davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was working for XXXX online company for months and I was issued a check for {$3500.00} for the work I had performed for the company. I deposited the check into my account with Bank of America. I found out the check was not legit, and spoke with XXXX, which was the guy I was working for, told him about the issue and he issued me another bad check. I again submitted to BOA, at this point I had balance on my account for {$340.00}. Bank of America closed my account, and I had XXXX deposits over {$200.00}, which BOA kept, and would not release back to the employer. This all took place XXXX of XXXX, and its now XX/XX/XXXX I can not access my account, and Bank of America has made all this XXXX  charges to take the funds in my account before I deposited any check. I have spoken with several representatives, and every time I have been told a different story. I feel if the checks were not legit, and was not deposit into my account, then I understand not receiving the funds. I am demanding my full refund of my funds that was deposit into my account before and after the deposit of the checks which to my knowledge totaled over {$700.00}.
Consumer complaint received 2022-07-09
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. (CO)

Experian continuously reports inaccurate information I have updated my legal name with Experian and Experian is reporting only my former name and various accounts that do not belong to me under my former name when I try to dispute information such as wrong name and various accounts that do not belong to me I get a message saying I have to dispute this information with XXXX  I am then forwarded to XXXX 's webpage that does not show any of the information that Experian has on my credit report Experian has taken all accurate information off of my credit report in the past I have shown Experian my identification and social security card Experian also continues to report inaccurate third party information to my credit report
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC has been attempting to collect an unknown debt from me in the name of a XXXX XXXXXXXX XXXX  I disputed the debt with XXXX and the debt was appropriately removed from my XXXX account but still remains active on my XXXX and XXXX account. Portfolio Recovery is not currently licensed in XXXX to operate which makes them in violation of XXXX XXXX XXXX.
Consumer complaint received 2022-07-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

An old debt that has been delinquent for the last XXXX years illegally and illegitimately reappear on my credit report as a current, deferred and being paid as agreed. I have not communicated or made agreement to make this account current or pay it. It may have been acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning its too old to remain on my credit report.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Recently I was " Denied '' credit. I called up " Experian '' in order to get my " FREE '' annual " Experian '' credit report to see why I was " Denied '' credit. " Experian '' told me that I would have to " Pay '' for my " FREE '' annual credit report!!!
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (NC)

in accordance with the fair credit reporting act XXXX  account # listed below, 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. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was recently " Denied '' credit. When I tried getting my " Free '' annual credit report from " XXXX XXXX '' they told me " No '' and that I would have to " Pay for it. ''
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We had a XXXX dollar service charge held out by bank of America causing our account to be put in overdraft with another {$35.00} overdraft charge being added after out automatic payment was taken out of our account and we have direct deposit in our frauded account and have contacted social security about switching accounts it's not our fault they take so long to seitch accounts and they never mentioned any service charges before just call and get the funds transferred from the frauded account to the new account never even mentioned we have to have social security change accounts. This is so wrong big time and never mentioned this at all.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

paid a balance off on a credit loan on XX/XX/2024 and thinking it would automatically go away. It still shows on my report and yet when i dispute it on equifax 's website they came back saying its verified XX/XX/XXXX when it clearly shows they didnt really do anything. This is clear FCRA violation in accordance with the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( A ) of Title 15, United States Code, and the Metro 2 Credit Reporting Guidelines. Please remove this account because they continue to report it inaccurately. I have the payoff form from XXXX XXXX that i did pay so please help me
Consumer complaint received 2022-07-25
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  account # listed below, 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. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-07-09
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. (OR)

This account had been delinquent since about XXXX years ago, it may have been on my credit report back than, yet it reappear on my credit report as a current account but deferred and being paid as agreed. I have no communication or agreement to make my account current or pay. All what was reported is false. I believe the reinserted account shouldnt be on my credit report. The XXXX-year credit report limit begins on the date the debt became delinquent with the original creditor. I want the credit agency to remove the information from my credit history and to request the reporting collection agency how in the first place it becomes current, after XXXX years.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX OF XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (NY)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Consumers Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my Equifax credit report regarding an open account with XXXX XXXXXXXX XXXX The account in question is marked as late and has caused me distress due to harassment and threats from XXXX XXXX. 

I request clarification on the type of account and accurate reporting of its status, as it is neither in collections nor charged off but has been marked as late since XXXX  The lack of clarity and completeness in reporting this account has the potential to negatively impact my creditworthiness. 

I am requesting a thorough investigation into this matter and urge Equifax to update the information on my credit report to accurately reflect the status and type of account in question. I also request that Equifax provide me with a copy of my updated credit report once the investigation is complete. 

I also believe that XXXX XXXX has violated the Fair Debt Collection Practices Act FDCPA by engaging in harassing behavior, including non-stop calls and threatening messages. Additionally, the reporting of this account as late on my credit report has further exacerbated the situation. 

I request that Equifax conduct a thorough investigation into this matter and take appropriate action to rectify the inaccurate reporting of this account. Specifically, I ask that Equifax ensure compliance with the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) Section 611 : Requires credit reporting agencies to investigate disputed information and correct inaccuracies.

Section 623 : Requires furnishers of information, such as XXXX XXXX, to provide accurate and complete information to credit reporting agencies. 

2. Fair Debt Collection Practices Act ( FDCPA ) Prohibits debt collectors from engaging in harassing or abusive behavior, including threats of adverse credit reporting. 

I request that Equifax conduct a thorough investigation into the reporting of this account and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I request XXXX XXXX to cease all communication with me via phone calls, text messages, and emails or postal, as their behavior violates my rights under the FDCPA and TCPA.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-03
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: Exeter Finance, LLC. (SC)

Exeter finance states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX  and XXXX. I called Exeter finance and they stated there were no accounts under my name and they wouldn't take this fraudulent hard inquirie information off my credit reports.
Consumer complaint received 2018-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I made a transfer of {$1200.00} from my PayPal account to my checking account on XX/XX/18. On XX/XX/18 I was notified that the transfer never went through because my bank account ( that I use every day ) was closed. Since there is no reasoning with idiots in XXXX, I reset two bank accounts with PayPal and made the transfer again on XX/XX/XXXX. Again the transfer never went through. Their answer was, wait 24 hours. After 24 hours, when the transfer did not go through again, their answer was, wait 24 more hours. On the third day when the transfer did not go through, I demanded to speak with a supervisor, who in broken English told me to " wait 24 hours ''. After that, I scoured the internet for telephone numbers of PayPal offices in the USA and found a list. Most numbers were  disconnected but some were still executives of PayPal, who never returned any of my messages. Since then, I have tried & tried & tried to contact someone with Paypal who has a brain, but unfortunatly, there is no one there. On XX/XX/XXXX and XX/XX/XXXX I received a few emails telling me to wait 24 hours and another saying my bank account is closed. At this point I have cancelled further listings with XXXX, for fear that additional monies may go into my PayPal account. I simply don't know where to go from here!
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Fell Behind on pmts due to covid was told we will help you on a rate mod then they tell me to pay all past due no help available ..... 
I am unable to contact the loan holder no number available... .only can communicate with the servicer Select Portfolio Servicing .....
Consumer complaint received 2019-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX ; XXXX  and Transunion are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX  ; XXXX and Transunion because I have tried to fix this issue with them, but they are still reporting the late payments.
Consumer complaint received 2019-05-03
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. (CA)

one XXXX BANK ACCOUNT NUMBER XXXX date opened XX/XX/2017, this account is not mine, and is reporting under my equifax credit report. i have disputed many times and they have been playing me around, they keep saying it has been verified, the creditor itself does not have this information i don't even know where they have verified with, please i will be attaching my police report, i have provided this to equifax as well, i need your help to removed this from equifax credit reports thank you
Consumer complaint received 2018-09-03
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: OpenRoad Lending (SC)

Open road lending states that on XX/XX/2018 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX  and XXXX. I called open road lending and they stated, there was an application on file but, wouldn't give me any information about it.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MN)

In 2017, I had vandalism at my property and my siding needed to be replaced. I contacted THREE companies and put the project out for bid. Sears ( the company in this dispute ) sent a representative and gave a great presentation. As I sat at my dining room table, I told the rep that this was 100 % insurance. It was clearly a vandalism / insurance / police matter. I also was very clear that I have around an 800+ credit rating. I do NOT carry balances on Credit Cards and I do NOT use store credit cards ( only big banks ). I did not want to sign up for any " CREDIT ''. I also wanted to wait and hear the bids from the other two companies. For the next 15 minutes - I signed my name about 30 times on so many  documents. Again, very clear that this was a project OUT FOR BID for an insurance transaction. 

The next week - I got a call that a crew was on it's way to my home and I received a credit card statement. After many calls, I was told that I opened a credit card for nearly {$30000.00} with Sears and they had my signature. This was also the same day that I signed an agreement with another company ( who did NOT require me to open a credit card and dealt directly with my insurance company - they were also thousands less and used the same product ). 

Month after month I was told " well, you signed it '' and bills kept coming in. There was a fee for " work already performed '' which they called a survey. NO ONE was at my home for this. I fought this on principle and would not pay this bank. Further research showed that this is a pretty regular practice for this company. There are complaints at the XXXX and the FTC. I also read reviews on the websites for home repair and I am not the only one that experienced this practice. 

I am VERY disappointed that a company that WAS reputable at one point in time has challenged one of their former loyal customers over a few hundred dollars after being deceived at my own dining room table - IN MY HOME. Very upset. 

I will fight this until it is made right.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A situation has come to my attention, that need to be correct.

( 1 ) This problem is with trans Union, I paid off my mortgage and my score went down, ( 2 ) I paid off my credit card, my score went down, they have me for account that I do not know where they are coming from, I try to explain there mistake to know satisfaction Trans union is more interested in people to pay a fee for credit monitoring, that way they will increase your credit score, but I will not do that, that form of bulling, This is a serious problem with Trans Union credit reporting, they are trying to get you to pay for service that you do not need. eg. trans union do not make it easy to get a free report, you get a lot of surmountable obstacle before this could happen, they always pushing for you to purchase.
Consumer complaint received 2018-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed a past due amount on my credit report for the XXXX XXXX  company. I disputed in XX/XX/2018, and I sent additional proof to Transunion in XX/XX/XXXX and XX/XX/2018. I also called and spoke with representatives of Transunion, and provided proof that one of the other credit reporting agencies removed the account of their report for me, due to the error. Transunion has not followed through and have failed to properly investigate and remove/correct the Account due to the error. I have also made a screen shot of Transunion 's own payment history for me on this account, keeping the past due balance the same. At this time, the account is paid off, and the past due amount was in fact paid when the first dispute was submitted.
Consumer complaint received 2022-02-08
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: JPMORGAN CHASE & CO. (GA)

There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXXXXXX XXXX  XXXX, XXXX, XXXX, JPMCD CARD-XXXX, XXXX XXXX  XX/XX/2021, XXXX XXXX, XXXX 'S XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/2021
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Although we were victims of hurricane Harvey, that has forced us to apply and received a modification, afterwards the government shutdown severely affected homeowners income. After the government shutdown ended we started attempting to make up for payments and now we are being told our payment has increase to an amount we can not afford. We were told this was due to a payment that was stopped. The payment actually was returned, in error I made a payment for the entire amount, an NSF was received and Mr Cooper tried  to run it again, my bank inform me of this and recommended I place a stop payment on this amount because it was not enough funds in the account.We wish to continue to make our payment of {$1200.00}