davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, Paypal was contacted in writing with a formal cease and desist request to stop any and all debt collection communication with me regarding my accounts. This included the standard Paypal account as well as a Paypal Extras Mastercard. I received a confirmation of this request back from Paypal later the same day, however, they have started calling me from various phone numbers from throughout the country. Most recently XXXX, Ohio and XXXX, Ohio. I attempted to reach out to them today, XX/XX/19 after this most recent phone call to ask them once more to acknowledge my request and to stop calling and they referred me back to the " settings '' option on their website to turn off text messages and auto dialed numbers. This had been previously done and when I advised the representative of that, they told me that it would take 3 days for the settings to take effect. I told them that this had been requested well over a month ago and clearly didn't work and I asked to speak to a supervisor and was refused.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

EXPERIAN REPORT NUMBER : XXXX THIS IS A REPLY LETTER FROM YOUR REQUEST. I HAVE ENCLOSED 1 ) ID/DL 2 ) SS CARD 3 ) UTILITY BILL 3 ) FTC REPORT PLEASE REMOVE THE LISTED ITEMS FROM MY CONSUMER REPORT
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was compromised through the Equifax leak. Time frame unknown. I can not access any of the 3 big credit bureaus due to my stolen information someone has used to file for student loans, mortgages, credit cards and purchases. None of the information matches for me to access my credit.
Consumer complaint received 2019-07-27
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: EQUIFAX, INC. (FL)

I am unable to access on the Equifax website to obtain annual free credit report and to verify that my credit report was unlocked. On Thursday, XX/XX/XXXX at XXXX I called contacted Equifax to address the problems. They verified my identity but stated that they could not unlock my online account or provide a credit report or provide proof that my credit report at Equifax was unblocked as their system was updating. I was told to call back on 30 minutes to one hour. 

I called Equifax again at approxiamtely XXXX and answered multiple security questions over the course of 15 or 20 minutes including being placed on hold. I was again told that the system was updating and Equifax could not provide proof that my credit report was unblocked, unlock my online account or allow me to access my credit report online. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I called Equifax for the third time to receive verification that my credit report at Equifax was unblocked and to inquire how i could unlock my online account at Equifax. The representative and supervisor I spoke to over the course of 45 minutes said that the system was still updating and it was unknown when it would be complete. As a result, Equifax could not proivde proof my credit report was unblocked, unlock my online account or allow me to access my credit report.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX GA XXXX
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BB&T CORPORATION (FL)

OnXX/XX/XXXX I found a fraudulent charge on my statement. The charge was for {$120.00} made on my B & T card charged onXX/XX/XXXX and posted on XX/XX/XXXX I reported the fraudulent charge by calling XXXX My funds were not returned immediately as proscribed by law regarding fraud while an investigation was taking place. When I received the BB & T denial letter onXX/XX/XXXX I called the number provided XXXX and referenced case # ( see attached ) and was told that my claim was denied because I did not report the fraud within 30 days, which is completely contrary to what was stated in the denial letter. As I read the Federal Fair Banking and Credit act section Z it seems there is no statute of limitations on credit card fraud, only that it be reported in a timely manner. I reported the fraud as soon as it came to my attention and I became aware of it. It seems to me BB & T purposely misfiled my claim as a dispute so that they would not have to return my funds.
Consumer complaint received 2022-10-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$45.00}
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: Experian Information Solutions Inc. (CA)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for this issue but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc. (MS)

I disputed the debt XX/XX/2023 according to the CFPB regulations on medical debt paid or unpaid under {$500.00}. It was validated and updated but was not removed. I placed a phone call to Franklin Services at XXXX and spoke with XXXX XXXX in attempts to notify and remove the account. I was placed on a hold and at some point the call dropped. I made numerous attempts the same day to speak with a person and have not been able to. I made XXXX aware of the new CFPB regulations to which he replied we can add the accounts together to get past that before placing me on the hold that eventually would end the phone call.
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

I have an FHA mortgage with Freedom Mortgage Corporation that was temporarily on a Covid-19 forbearance. XX/XX/2021, I called Freedom Mortgage and indicated that I wanted to remove the loan from forbearance and resume payments via an owner occupied modification. Additionally, in XX/XX/2021, I resumed my regular monthly mortgage payments and of note, I have been making my regular monthly mortgage payments, every single month since XX/XX/2021. During this XXXX call, to end my forbearance, I was told that I would receive a loan modification packet within 30 days from underwriting with new terms of my mortgage and my signature would be required to accept this offer. Unfortunately, 4 months later, I never received this packet, and my mortgage is still in forbearance and no one at Freedom Mortgage has been able to help me move my mortgage into a current status after 4 months of waiting for loan modification documents. I call weekly and I do not get any clear information and it quite frustrating and concerning to me. There so many disparities in the knowledge levels in the customer service reps and Freedom has these escalation supervisor and their ability to triage and follow-up on escalated issues is sub-par. My property is held in a land trust and I have sent in the required Land Trust Review and a certified copy of my trust agreement to show that I am the only vested owner on my deed. Can your organization please intervene, regulate, or help enforce a level of fairness and diligence in business operations and efficiencies at Freedom with this situation? This forbearance being reported on my credit report 4 months later after I indicated I am able to pay my mortgage is totally unethical and just irresponsible and there is no one accountable within the entire company to even help me. Overall, Freedom Mortgage has been a very difficult company to work with in general. I can not recommend this company at all.
Consumer complaint received 2018-06-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed this conns credit corps account number XXXX many times and Transunion continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. This account number is also a duplicate account with a different balance of XXXX. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and the refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/2016. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both duplicate acccount one of XXXX and the other XXXX they are both charged off the balance should be XXXX.
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On Wednesday, XX/XX/XXXX I used the XXXX app to transfer funds from my personal account to that of a friend, to pay for a hotel room cost in the amount of {$160.00}. I was immediately notified on that day by XXXX that the transaction went through and the funds were subsequently removed from my account the same day. I then go on my vacation the following weekend and I am using my debit card the whole time while away. I returned from my trip on XX/XX/XXXX and was notified via email that day by XXXX that the charge had never gone through and that my account with them was now frozen, but that they would " cover '' the cost until I could pay them back. Now, my first issue is that the funds were immediately removed and it should not take 5-6 days for XXXX  to process that. XXXX  waited until I had no funds in my account available to charge me, then tried to penalize me for their delayed processing of the transaction. Recently on XX/XX/XXXX, my friend XXXX XXXX, tried to send me money through the XXXX app as a surprise and before I could tell her that account was frozen, XXXX took the funds and is essentially holding them hostage until I pay the {$160.00} to them. This is a complete violation of mine and my friend 's rights and we would like to recover both the {$160.00} and the {$75.00} owed to us by XXXX. My friend XXXX XXXX has nothing to do with my XXXX account issues and XXXX  should never have been able to receive the funds in the first place to a frozen account. This has now given them the ability to keep a third parties funds hostage until another parties debt is paid and that just seems like a blatant violation of our constitutional rights as consumers. I also have all of the emails from XXXX  stating that the funds were paid out on XX/XX/XXXX as well as all subsequent emails from them since they froze my account ion XX/XX/XXXX.
Consumer complaint received 2022-10-06
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  UNIV Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX SERVICE Date of inquiry : XX/XX/XXXX ; XXXX XXXX SER Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-06-26
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: Experian Information Solutions Inc. (FL)

Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both Experian and XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting an inaccurate payment history on my credit reports. 
XXXX and XXXX ( XXXX ) they are reporting that I was 90 and 120 days late in payment, when in reality, my account was in forbearance for several months. This is also, the case for XXXX, when I was on public assistance and having problems paying my loans. They placed me on forbearance again, but showed me delinquent XXXX-XXXX XXXX. In XXXX, I was making regular payments, on time, but was hit with lated fees, because they failed to apply my payments by my due date. As a result, they count the late charges against me, even though I was making regular payments on time. The fees were counted separately than my regular payments. The late fees shows me not making any payments for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. I know this was incorrect, because XXXX later refunded me these late fees as over payments, late last year. I need these these late pays removed from my credit report, asap. It is hampering my ability to secure adequate financing for a new car.
Consumer complaint received 2021-06-10
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: LEXISNEXIS (MS)

I submitted a complaint requesting lexis nexis to provide me with the method of verification they responded they needed proof of my identity. Lexis nexis is stalling on validating their method of verification.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

In XXXX I noticed that I was getting charged finance charges for debt protection plan ( charges you a % of your balance each month in case you become unemployed ) on my Best Buy Visa through CitiBank. I tried to reach out to them via secure message because I never agreed to this service. Their secure message system, unfortunately, does not allow the use of any punctuation or special characters. Needless to say, I gave up trying to fix my message when I went through 1 by 1 to try and figure out what character wasn't allowed. I forgot about it, as I paid the card off quickly. A year later on another 0 % interest purchase, I noticed the same charges and when I called to say something, Best Buy had no way of removing that or notifying Citi Bank because they were closed on Saturday & I had to call back. I froze my account and sent them a secure message revoking authorization for any further charges and to opt-out of their debt protection program. I only hope they could understand it without being able to use any punctuation. I did request a refund of all charges. I will not call them again to try and have debt protection removed. They will not hold people hostage to a service they did not agree to by not allowing adequate communication.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I paid " Current Balance '' on XX/XX/XXXX, which I assumed was the entire balance since I did not use this card at all for quite awhile. On XX/XX/XXXX I was charged {$27.00} in interest charges. Its very deceptive. As the consumer, I believed I was paying the entire amount. 

Chase, the credit card issuer replied with the following : Interest charges are listed separately on your monthly statement based on the type of transaction and the associated annual percentage rate ( APR ). 

You have different types of balances on your account. Each has its own APR. 

- Your purchases had an APR of 0 % variable good until XX/XX/XXXX, and the interest charged on that balance was {$0.00}. 
- Your promotional offer had an APR of 0.00 % variable good until XX/XX/XXXX and applies to the balance transfer, and the interest charged on that balance was {$27.00}.