davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
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. (CA)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (CA)

On or around XX/XX/2019 and begin to notice unauthorized charges placed on my account and began to contact XXXX XXXX regarding the matter. XXXX XXXX card services made it very difficult for me to submit a complaint and shame to push me on weather they should close the card out or not for good from me making a complaint in the first place. XXXX XXXX is currently being sued for predatory lending and not following fcra guidelines when it comes to identity theft victims. It is hard enough to support myself and my family without XXXX XXXX breaking the law and ignoring the fact that once again these charges were unauthorized and needed to be investigated. FFRCRguidelines require that does negative information not be reported to credit bureaus until the matter is resolved. Not only have I submitted FTC reports but also complaints to the Card Services Department many times. Lastly, despite my many inquiries through the credit bureaus and disputes they have failed to realize and comply with the current laws regarding identity theft and unauthorized charges and the reporting of those negatively affected accounts to the credit bureaus.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MD)

I have a " spending '' account and a savings account with Chime. I have {$100.00} in the " spending '' account and {$250000.00} in the savings account. I called customer service on XX/XX/2023 to close both accounts and was told it would take 30 days to process my request. Then they slipped in the phase " 30 Business days ''. Nothing happened. I called again on XX/XX/2023 and asked again to close both accounts. I received various emails asking me to confirm my mailing address and the last four digits of my Social Security number. I was told the account would be closed in 5 days and it would take up to 30 days to process my request. I checked my balance this morning and it appears that both accounts are still open. Please help me close both accounts as promptly as possible.
Consumer complaint received 2022-03-05
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: Early Warning Services, LLC (NY)

EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I received a call and a voicemail from a woman claiming to have issues with a Bank of America prepaid card in my name. Now, I bank with Bank of America, so immediately was concerned about the status of my account or if there was a problem. I called the number back and it was now a man asking for my first and last name, which at first I had no problem giving. However, then he asked for my social security number, which I thought was a part of the process so I gave it. He asked for my social again, and after hearing the shakiness in his voice, I realised that it was a scam. I am currently worried that he might've heard enough of my information to do something with it, and I was writing to see if there was any way of checking this or filing a bigger report.
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc. (FL)

I recieved an email on XXXX stating that my card is now frozen, and submit my drivers license and 2 debit cards showing that they belong to me. I did and i was told i have to wait for some to review it and release my funds.. how is it legal?? all i did is pay off my credit cards from tax return?
Consumer complaint received 2022-03-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-12
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. (OH)

There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

Portfolio recovery services calls me at least 20 times a day I get calls from New York, Virginia, Minnesota and many other states. Many times when I answer these calls there is noone on the line and it will disconnect when I xall the numbers back it is an automated system for PRS yes I have record of all calls. They dont leave messages and becausr it is typically automated machines there is noone to speak with. I cant believe that these companies are just allowed to do whatever they feel and their is no protection for the consumer. I cant clear a debt when you constantly call from automated machines, and fail to send any documentation to me in the mail. This is ridiculous and needs to stop.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

After I refinanced my mortage with XXXX during XXXX, I was later informed XXXX was a predatory lender. Then on XX/XX/XXXX, XXXX transferred my loan to Select Portfolio Servicing Inc., ( SPS ). Prior to the final transfer, XXXX, provided an escrow analysis with a refund, and its projected escrow analysis included no shortages. 

Once my mortage transferred to SPS I began to regularly notice and addressed escrow and other mortage problems. On XX/XX/XXXX, I received a shockingly escrow analysis from SPS that included an escrow shortage of {$1100.00} then again on XX/XX/XXXX, SPS issued another escrow analysis and with an additional escrow shortage. I decided to fully pay both shortages to avoid my mortage from increasing. Although I attempted to stay ahead of the game, SPS appears to slowly and flippantly handle my concerns. I noticed SPS kept increasing my mortage even after I elected to fully pay those shortages at SPS requests. I continued to dialog with SPS over the phone, but when that failed I shifted to sending qualified written letters to no avail. 

I later found some relief after I was later approved for the Real Estate Tax Exemption. However, I discovered during XX/XX/XXXX that SPS took {$500.00} from my mortage escrow account. SPS demands to handle my escrow, but we keep finding the errors centering on SPS. 

When I contacted SPS, I was informed that SPS received a tax bill from the City of XXXX for the quarterly Real Estate Tax and that SPS paid it. After consulting with City of XXXX Real Estate Tax office, I was told SPS didn't pay any tax bill since XXXX as my mortage tax was fully approved and exempted due to my 100 % Service Connected Disability via the Department of Veteran Administration. We verified SPS received its requested documentations. SPS was advised repeatedly regarding the mistakes, but they proposed another Escrow Analysis with shortage and demand for mortgage increase even after I confirmed SPS and their taxing department received the requested documents on XX/XX/XXXX.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services (TX)

I 'm am receiving phone calls from Intergrated Services trying to collect a debt that my son owes, I explained to the person that he was calling my cell phone number and that I was n't the person he was trying to contact, he asked if I knew the person and I told him yes but we have n't spoken in about two years and that I did n't have any contact with my son, After the third phone call I requested that they no longer contact me about a debt that I did n't owe, His reply was that since I would n't give him any contact information I just became " XXXX XXXX and that I could pay my sons debt or continue receiving the phone calls '', I requested to speak to a supervisor and was told that " if you want to speak to a supervisor then I suggest you get out your credit card and start making payments '', I told him i considered this to be harassment and to stop calling me, his response was that " We ignore the word harassment '' He then asked " if my son was a XXXX and then asked why I did n't just tell everyone that he was '',
Consumer complaint received 2022-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I was chatting with an agent online on XXXX about connecting my bank account to withdraw funds from my online wallet. I was assured that any overdraft would be taken care of. I explicitly stated that the way the transactions were being processed, there would be a {$28.00} overdraft fee, and once again, I was assured that Paypal would take care of it. 

They then sent 2 sets of confirmation transactions, which resulted in not just 1 but 2 overdraft fees.

When requesting the transcript as it was not sent to me as it should have been, I've been told by online support to call in, and when called in, I was told to to contact through online chat.

I've been told 24-48 hours now multiple times, and none of it has come to fruition. Support tickets closed without contacting me. Escalations that go nowhere. No departments available, etc. Hours on the phone and online chat that have gone absolutely nowhere to resolve the main issue, which is the lack of transcript being provided. The secondary issues regarding what was in the chat and what the agent said, and as well as sending two sets of transactions through have been either ignored or put aside. 

It has now been a week and the futhest I've gotten is more " escalated '' tickets being created, and an e-mail from a " supervisor '' telling me to call a number I was specifically told not to call again regarding this matter. I have all the transcripts, all the phone conversations, everything recorded. For some reason, the only one that is missing is the one that is in question, from XX/XX/19 from the original chat I was having online regarding linking my bank account. How is that possible unless they are actively blocking me from access?
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Attempted to open a dispute online with Experian, but was told to call. I tried calling several Experian numbers, but no phone options ever gave me the chance to select dispute, & could never get with a real live person.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (FL)

Discover Credit Cards place exorbitant holds on purchases at their pumps. A hold of {$170.00} was placed on my card for a {$25.00} gasoline purchase at the pump.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (NY)

I HAVE SEVERAL FRADULENT ACCOUNTS ON MY EXPERIAN CONSUMER REPORT. I NEED TO HAVE THIS FRADULENT INFORMATION REMOVED FROM MY CONSUMER REPORT. ATTACHED ARE THE FTC IDENTITY THEFT REPORTS. 

XXXX XXXX OPENED XX/XX/XXXX {$91.00} XXXX XXXX OPENED XX/XX/XXXX {$280.00} XXXX XXXX OPENED XX/XX/XXXX {$470.00} XXXX XXXX OPENED XX/XX/XXXX {$1200.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1600.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX {$5300.00}
Consumer complaint received 2019-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ME)

Submitted disputes through Equifax online system. Received email notifications regarding dispute updates, however online dispute check from Equifax will not work. Called Equifax directly, they stated they could not help me. Equifax offers an online dispute resolution service that does not work, and the customer service is not willing to help.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Over the last four or five years I have been sent three borrower to defense loan forgiveness applications and I have sent them all in. I have received letters from the Attorney General 's office telling me that I qualify for loan forgiveness due to the fraudulent acts of XXXX XXXX. NAVIENT is the loan servicer and has not granted my loan forgiveness or given me any information as to the outcome of all three of my applications. I was a victim of fraud by XXXX XXXX. XXXX XXXX promised me that I could transfer my credits to any college of my choice after I graduate. That turned out to be false. XXXX XXXX allowed me to attend their school and graduate without a high-school diploma. XXXX XXXX recruiters told me I don't need a high-school diploma and that it is okay to have a felony record. All of which is false. XXXX XXXX promised me job placement which never happened. All the XXXX college campuses have closed and I can no longer take refresher courses. I can not work in the medical field without a high-school diploma and a felony record. XXXX XXXX has been found guilty and all I ask is to have my loans forgiven so I can move on and begin a new credible College. Approximately {$28000.00} in student loan debt from a fraudulent school is hanging over my head and reported to my credit bureaus
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

My credit report is showing World Omni account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/2018, Mr. Cooper was paid off, in full, upon the sale of my house by the attorney & title company. They have misapplied the payment due to their error after having first told me that they 1 ) Never received the check, despite having signed for the Overnight envelope 2 ) said that though they may have received the check, it may have not had my name / account number on it -- so they would have destroyed it 3 ) incessantly calling me at work now to say they are reporting me late and will begin foreclosure process, even though they are " researching '' this issue. 4 ) Have taken no measurable action to correct this issue which has driven my credit score to less than 600 and is impeding my ability to find other housing. 

They have now stated that they believe they credited the wrong account, but are still investigating. My attorney sent them a letter, but it does not seem to have expedited the resolution of the issue. I also believe that they attorney & title company were negligent in not confirming receipt of the payoff or processing it by wire transfer vs. a seller provided third party check. 

They are not overly concerned with assisting me in this matter, they have no sense of urgency and they have added a {$25000.00} fee to my loan balance, according to my online loan access?? They have not disclosed what that fee is for or when they will remove it due to their errors. This makes me extremely nervous. The buyer of my house will be listing the property soon to resell after upgrading the house and I am nervous that I will be sued due to lack of clear title to the house I sold. Help!