davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.
Consumer complaint received 2018-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: URS Holding, LLC (MI)

According to Alltran 's record, they received my student loans with a balance of {$38000.00}, from two consolidation student loans that I refinanced on XX/XX/XXXX for {$21000.00} and {$6900.00}, respectively ( although that is a dispute by itself ). They received this account in XX/XX/XXXX. So the defaulted loans were not paid from XX/XX/XXXX-XX/XX/XXXX ( 38 months ) by the time they received them. They both have a fixed interest rate of 5 %. No other fees were indicated prior to defaulting. So the total amount in fees, using a compound interest calculator with a 5 % charge would make the new balances for the loans {$8100.00} and {$25000.00}, or a total of {$33000.00}. In that contract, the fine print indicates that once it's defaulted, the collection company ( Alltran ) MAY add up to 18 % in fees for collection. Even if that was done according to the contract, that would be a total of {$6000.00}. The cumulative total would be {$39000.00}. This year, without any formal notice or anyone reaching out to discuss repayment options ( or without any bills or other correspondence ), Alltran garnished my tax return for {$8400.00}. If that was applied to the total balance, which is have reason to believe is completely inaccurate, that means my total debt would be {$31000.00}. The excess fees are not in the contract. The interest accrued and charges are not in the contract.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In  XXXX     2017 I pulled my cred it report for all  XXXX  bureaus to find an open    XXXX   XXXX   XXXX    account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for on   XX/XX/2017  ) to  the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 th e company sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after  31 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( se e attached ) signed for on    XXXX   aski ng them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my origin al letter therefor vio lating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to m y letter s to provid e evidence.
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK (TX)

This is more of a general complaint towards commerce bank. 

Commerce bank engages in shady practices by not allowing users to enroll in auto pay electronically like 99.9 % of banks that do auto loans. 

When logging into commerce bank with your username and password, you can not make a payment with out entering your loan number. Your loan number is not disclosed in the online account or provided by their " secure message system ''. They will force you to make a phone call to customer service to retrieve your loan number. 

There are no payment reminders or anything by email, with the lack of electronic auto pay enrollment they are hoping you go past their 5 day grace so they can bill late fees. 

Even with ACH they charge you a {$5.00} payment processing fee to pay by checking account routing and account number which is not disclosed by the dealership to the customer when signing for the loan. 

All in all I've had maybe 60 auto loans in the past 10 years and commerce bank is the only institution I've found to engage in shady business practices to make paying your bill hard.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

I am writing to complain about a new practice at PayPal of holding money paid for goods and services. I sold a bike frame to someone. They paid via PayPal for goods and services. PayPal put the money on hold after they took their 3 % cut to protect the sale. I sent the bike frame, put the tracking number in the PayPal system, and the bike has now been delivered. 

However the funds have not been released. Even though we are within business hours, there is no way to contact a human at PayPal to discuss this. I have tried multiple ways for hours. 

This hold is explained as reflecting the unusual activity or risk or other issues. Yet I have paid 3 % for them to move the money. And I do not fit any of the categories that they claim on their site explains the hold. This is not unusual activity fro me, I am not a new customer, my account is very old, and I have an XXXX credit score and no " risk '' to explain. 

And there is no way to get this money released as far as I can tell. I have done what they say to do. The buyer has the goods. The money is not released. And there is no way to contact them. 

I'd also emphasize that I did not agree that the money woudl be held. They did this *after* the transaction was done. I think this is fraudulent. They should at least be required to say before the transaction is finalized the money will be held, and they must have clear criteria for the release *and* personnel available to discuss problems. 

Anyway that is my complaint. There is no choice but to use this company. They should not be allowed to act like this. 

XXXX XXXX
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I do not recognize this inquiry - please remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This should have been a soft inquiry
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. It is listed below. 
XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a dispute with Transunion through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. Transunion needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to Transunion in the first place.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Complaint Description : XXXX Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. XXXX invoiced consumer after the account was closed and paid in full. 

I purchased my XXXX Lease and all outstanding payments were paid in full at time of the transaction ; I had a XXXX balance and no late payments. After the vehicle was sold from a Lease and the account closed, XXXX invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is XXXX XXXX   responsibility to request and collect a refund from XXXX County. 

XXXX was not able to provide the prorated amount due until XXXX County refunded tax collected. On XXXX XXXX, 2019, XXXX County refunded {$270.00}. To date, I have not received from XXXX a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XXXX XXXX, 2019 confirmation # XXXX within the terms of the letter. XXXX incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my XXXX Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please see attachments that reveal the technical problems in transunion 's computer systems.they can not deliver the free annual report.they can not put a report online since XX/XX/2019. 
I'M TRYING TO DO A DISPUTE ON AN ACCOUNT THAT QUALIFIES AS TOO OLD TO REPORT ... YET I LIVE WITH THE CREDIT DAMAGE AS A RESULT OF TRANSUNION 'S INABILITY TO DELIVER A REPORT.I HAVE A NORMAL SIZE ACTIVE REPORT WITH ABOUT 10 ACCOUNTS.THERE IS NOTHING UNUSUAL ABOUT IDENTITY OR THE NUMBER OF QUESTIONS TO GENERATE IDENTITY CONFIRMATION. 
IF TRANSUNION IS GOING TO BE A CREDIT BUREAU THEY SHOULD FUNCTION AS ONE ... THEY HAVE HAD TECHNICAL PROBLEMS FOR 18 DAYS AND I SUFFER FINANCIALLY FOR IT, AS THE NEGATIVE ITEM WILL MOST ASSUREDLY BE DELETED BY TRANSUNION 'S IN -HOUSE POLICY AND THE PASSAGE OF TIME.. 
THE ACCOUNT I WOULD LIKE TO HAVE REMOVED FOR " TOO OLD TO REPORT '' IS XXXX XXXX, ACCOUNT XXXX ... THE DATE OF FIRST DELINQUENCY IS SLIGHTLY BEFORE WHAT IS RECORDED ON THE REPORT AND THE ACCOUNT FITS THE POLICY OF TRANSUNION FOR REMOVAL NOW!
Consumer complaint received 2019-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC (TN)

XX/XX/2019 XXXX was posted to my bank account. 

I called my personal bank and wanted to get information on what I could do to help myself out, and I was told to call where I got my loan and get to the bottom of it. On calling I was told that even though I took the right steps for the process and tried to revoke my payment with them just because I cant afford to pay them anything until my bank gets back into positive, they denied me any access to support and manager. I would love to pay and never take out a loan again and yet they are making it difficult to even pay them money I cant simply get within thin air. 
I tried to discuss a payment option and plan a week before today and I was told that they do not care about my problems and that I had to pay rent which made me late on a payment. 
I was harassed when I got a call from them while at work it was embarrassing to have a woman yell out my name in such a disrespectful manner demanding i pay regardless of what I can actually conjure up. In my honest opinion being told hey I dont care that you dont have credit history and youre more than likely not going to be accepted at most places I still need my money. Completely understand the principle of it but being logical I came to you guys for help because they were the only ones accepting of my no credit history. I even let them know that I can not simply just get money from another loaner and bad habits like that is what I intended to stop I see the importance of never borrowing money from money fulled lenders who do not care of my living situation yet money.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. Remove this error, it was never paid late on XXXX  XXXX
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2019 my Citi Bank credit card was charged {$420.00} by a merchant known as XXXX XXXX and XXXX. I called this merchant to perform a check of my air conditioning system at a rental property owned by me. I was not contacted by any representative of the company ( other than a text notification telling me the service provider was on his way ) until after they had unilaterally decided to perform a $ XXXX+ dollar refrigerant refill on my unit, at which time they demanded payment and charged my card. This may have been fine, however, the unit neither had a problem with refrigerant levels nor was fixed by their service provider. I engaged a second tech at this company who came out to service my unit, when guests alerted me nothing had been fixed, who subsequently told me upon arrival that I needed a new compressor and that the issue was not with the refrigerant at all. Keep in mind these two techs worked for the same company and gave me completely different explanations of my problem, neither one fixing it. I was informed it would be a {$2000.00} fix. At this point in time I contacted a new provider, XXXX  XXXX  and XXXX, whom immediately came out to service the unit, informing me the problem was what is known as a filter dryer, and fixed it the next day at less than half the cost that was quoted by XXXX XXXX XXXX who by the way would have replaced the compressor and not addressed the problem at all ). The tech from the second service provider also informed me that my AC filter was missing and had been taken by the previous technician. I have documentation to support all of this. I believe the initial service provider, XXXX XXXX, was taking advantage of me as consumer with little knowledge of AC systems, fixing things that didnt not need to be fixed and charging me exorbitant amounts of money to do so, all while not even getting the AC system to work properly. They refuse to address my claim with them and Citi Bank has now reversed the dispute in the merchants favor with no ability for me to counter. I need help resolving this matter.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I called into Equifax to dispute unauthorized inquiries from my credit report. I was informed by a representative and his supervisor thats its against the law for them to submit a dispute for me and I would need a police report to do it on my own. I asked for the law that governs inquiry disputes, and was told to XXXX it. All credit reporting agencies do the same. However, I reached out to XXXX, and they were more than helpful in submitting my disputes for me. Misinformation and the inability to help a customer, is unacceptable. I called CFPB, and was informed that the information from Equifax is false and a customer has the OPTION to submit documents. It is NOT a requirement.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, Extra ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

There are two issues. The first is our PMI that we are no longer supposed to be billed for. Our principal is below 80 %, but Shellpoint Mortgage is still charging us for PMI. We followed the procedures they instructed us to, including setting up and paying for a home appraisal with a company that Shellpoint told us to use. We submitted all the documentation, but Shellpoint had taken several weeks to give us the next steps. We eventually had the appraisal done on XX/XX/XXXX, but we are still being charged PMI. According to the standards that customer service had told me in XXXX, our final PMI payment should have been XXXX. I've asked them several times about this, including, most recently, speaking with XXXX XXXX ( customer service supervisor ) on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. I have spoken with other customer service people prior to this, but I can't remember who. When I spoke with XXXX on XXXX, it was after not having received a response about this from prior conversations. XXXX told me that she would find the solution and call me by the following Monday ( XXXX ). Today is XX/XX/XXXX, and I still haven't heard from her. I called on XX/XX/XXXX, and XXXX said he'd send an email to XXXX about my folllow-up since she wasn't at work that day. On XX/XX/XXXX, I still hadn't heard, so I call again and XXXX put me on hold so she could speak with XXXX, who told me that she would look into that day and call me right away. It is now XX/XX/XXXX and my next mortgage payment is due, and I've heard nothing. I've told all three customer service people that I want a credit for the extra PMI that I've paid because I will not pay for their inefficient process. I am not obligated to pay PMI, but their ineptitude has forced me to because I don't want a negative mark on my credit report. 
My second issue is that Shellpoint has shut me off from seeing my account information. I've called every month for five months to tell them that when I log in, their website displays a screen that reads " processing '', but never shows my information. I don't want to be late with payments, so I pay by phone. However, they are not giving me access to my information, which they are required to do. My first complaint about this was with XXXX several months ago, pre-dating the PMI issue. Since then, I've been told at least four times that an IT ticket would be submitted and that I would be contacted about the solution. Yet, I haven't seen my information for nearly 6 months. In my conversations with XXXX, XXXX, and XXXX, all of them told me that they'd be submitting an IT ticket. Most recently, on XX/XX/XXXX, XXXX told me that she'd submit the ticket and call me back herself within a day or two. That didn't happen either. 
My goal, which is reasonable, is for Shellpoint to remove PMI and credit me for PMI that I've overpaid. Additionally, I want immediate access to my account online.