davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Here are the list of items to be dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (NY)

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
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (SC)

A credit card was open with discover with someone trying to use my name. the name on the card is XXXX XXXX. I always go by XXXX XXXX XXXX XXXX. XXXX refuse to take this card of my credit file. The card was removed from my credit file in XX/XX/XXXX-XX/XX/XXXX. then suddenly appeared inXX/XX/XXXX. This card was open while I was in the hospital battling XXXX. I have spoken to Discover but they play games and give me the run around. The card was open online. plese have them remove this card from my credit file.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (LA)

I discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least 1 % of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

Received a property foreclosure notice by mail from XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/2019 for the sale of my home by mail XX/XX/2019. Tennessee law states the homeowner is suppose to receive the foreclosure notice 30 days prior to the sale date. 
I have submitted a modification request to my mortgage company Shellpoint Mortgage. 
I don't want to loose my home. 

Please, Please, Please, Help
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBV Collection Services Ltd. (CA)

I was contacted by mail by XXXX XXXX for a debt that is not mine, this account was established at XXXX XXXX  XXXX XXXX XXXX Ca. The debt was originated in 2008, meanwhile this company has been selling this debt to collection companies, the debt sits on my credit profile and I want it removed.
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Creditors Specialty Service Inc (ID)

Creditors Speciality Service Inc sent me a document saying I owed {$100.00} because of XXXX at  XXXX XXXX XXXX in XXXX, Idaho. We paid the amount XX/XX/2015 and thought this issue was resolved. I recently pulled my credit report and noticed that I am still in collections with XXXX XXXX XXXX. How do I resolve this issue?
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I have been a longtime American Express customer and have paid lots and lots in fees over the years. One perk of one of my cards is a companion pass to use on XXXX. AmEx extended the deadline for use during the pandemic, but despite tons of XXXX  travel issues in XXXX, refused to extend these passes ' deadlines again. As a result, I know lots of people who have been unable to use this benefit. 

I am scheduled to use one this weekend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called XXXX  today to see if I can get a few week extension on the pass. XXXX  said to call AmEx. I called AmEx, and AmEx said to call XXXX. I called XXXX  again, and XXXX  said to call AmEx. I called AmEx again and asked to speak with a manager. The CSR said that there was no manager available and someone would call back within 24 hours, but that AmEx would refuse to accommodate my request to extend ( or have reissued ) the companion ticket. 

This is really poor service, and shocking that during a pandemic, this business will not accommodate my simple request.
Consumer complaint received 2022-08-16
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. (MD)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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. (FL)

I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS
Consumer complaint received 2022-08-16
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 ()

Just today, XXXX XXXX, I got an email that I can no longer use their services and I can't withdraw my funds and need to wait XXXX XXXX for me to access my money. They reasoned out that I violated their policy where in fact I did not do any transactions for few days, so what is my violation? I did not do anything in past days and they will tell me that I violated their policy? The sad thing is they go ahead and cut you off immediately without giving any warning or clear reason. It is in any law that holding any assets or funds without proper reason and explanation to the user is absolutely illegal. Well I'm not asking to restore my account, just let me withdraw all the money from my account and we go in separate ways. But if you are generous enough I would be glad if you can restore my account
Consumer complaint received 2023-11-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CO)

On XX/XX/24 I was guiding to a website XXXX XXXX XXXX from a XXXX XXXX for marketing for animal lamps. I purchased 3 animal lamps using the website and my CashApp visa issued card at that time. After the charge was made I never received a confirmation email or number regarding this issue. I reached out to support listed as XXXX to get my confirmation number and details for shipping. I was told that as soon as the product ships from the warehouse I would be updated with the confirmation number and order shipping details. This continued for XXXX weeks. In the meantime others had also realized the avid scam and were beginning to tell their stories and the need to dispute with their financial institutions. So after week XXXX of no information or communication I asked for my order to be cancelled. I was advised that 'monies would return to the card on file '. There still was no confirmation or cancellation email with card numbers or a product that was ever shipped to me. This was an avid scam that only stole monies from me and is pretty clear to see. 

I have submitted 2 disputes including emails sent from this scam and XXXXXXXX XXXX or cash app continues to deny my disputes without giving any valid reason for not honoring a chargeback as this is a scam. Upon sending a documentation they detail that the case number is closed and there is no support for this issue any further. Upon submitting a dispute cash app also threatens to shut down a members account. The company will not dispute this scam and will not follow through with compliance on FDIC insured products, the dispute process and the explanation of reasons that it was denied. I have tried to escalate the issue and yet continue to receive no new understanding for this problem. The institution should protect me from scams, fraud and stolen monies with a visa backed card however they are not in compliance to my problems.
Consumer complaint received 2024-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC. (IL)

I am writing about the experience that Ive had with SoFi XXXX. Originally I refinanced my loan for a lower rate with SoFi in XXXX. In the beginning, I dont recall having many issues with SoFi accepting my payments online or over the phone. As a younger adult, I had issues such as overdraft fees, etc. however, this never heavily impacted the ease that I had successfully submitting student loan payments. Most requests would post in reflect in my bank account within the standard 2 to 3 day ACH window however, since XX/XX/XXXX, SoFi has not accepted any of my payment request. I had submitted payments online multiple times, and none of them were ever debited from my bank account. For example, so alleges that I made a payment on XX/XX/XXXX and theres no corresponding transaction reflected on my bank statement. Please see the attachment for a supporting image. Determined to resolve the situation, I reached out to SoFi last week about the status of my loan on XX/XX/XXXX, XXXX on that day, I had submitted a payment over the phone and I was told multiple reasons why my previous payments had not been processed. Some said that it was rejected by my bank and they did not know why. Another representative claimed that it hadnt gone through because a routing number was off. One told me that it was returned for insufficient funds. On a couple of occasions, I was asked who my employer was. It was uncomfortable, and when I inquired as to why that is important, and whether they would be notifying my employer, they mentioned it was out of curiosity, and that they were not going to call my employer. on XX/XX/XXXX a representative mentioned that there are people behind the process. That is when I asked for an explanation for why the payment Id submitted on XX/XX/XXXX did not go through. That representative even went so far is to promise me a call back, which has not happened yet. Based on the sequence of events, I am concerned about the possibility that I am experiencing the effects of predatory lending practices. I am a minority woman, a target demographic. I fear that Im being taken advantage of and Im submitting this claim is a cry for help so that I can continue to grow more financially stable and pay off my loan without any unnecessary hindrances moving forward. Thank you for your consideration. Sincerely, XXXX XXXX.
Consumer complaint received 2022-08-16
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. (OH)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX, a fraudulent charge of {$1500.00} was on my account. I contacted the bank that day, but no action was taken. I called back the next month and someone correctly fixed it with a credit. 
However in XXXX that credit got reversed. I have spent 20 or more hours calling them and asking for clarification. No one can tell me why they reversed it. I'm not trying to close my account, but can't because it's negative due to the reversal of the credit. 
Basically, the bank won't stand behind their claim to credit fraudulent charges and now are trying to take another {$1500.00} from me.
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge. 
But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have requested validation of the account that has been attempted to collect on from this collection agency ( XXXX XXXX XXXX ), and I have not received anything postal mail. It has been well over 45 days since original request was sent. First attempt XX/XX/XXXX and Second attempt XX/XX/XXXX. The collections amount listed on my credit monitoring site for {$680.00} and {$370.00} and I was never aware of such debt in writing.I specifically asked for a signed agreement and other supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting an erroneous balance on a XXXX XXXX XXXX account that was a part of a bankruptcy. The balance should be reported as XXXX but is showing as {$19000.00}. This should be corrected as no money is owed to XXXX XXXX XXXX. I have disputed this with Equifax for many months and have attached the latest letter sent to XXXX XXXX XXXX along with the certified mail receipt number. 

Certified mail receipt number XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I enrolled in Bank of America 's Pay Plan XX/XX/XXXX. They debit 26 biweekly payments from my primary bank account and apply those payments on the first of each month to my balance.

This month, even though they are holding {$1700.00} in debited funds, they have not applied it toward XXXX 's payment. 

I have contacted them on 3 separate occasions. The first, on Wednesday, XX/XX/XXXX, the customer service representative said she was able to apply the funds and it would be reflected on my account within 48 hours. However, the payment is still outstanding and the funds have not been applied. 

I called back yesterday and waited on hold for almost an hour. They were unable to apply my payment. As of this morning, there has been no progress on making my payment. 

I tried making a manual payment on their website, but they wanted to charge me a fee due to late payment, even though I'm a month ahead on my mortgage payments.
Consumer complaint received 2022-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (NH)

In the middle of the XXXX winter, approx XX/XX/XXXX, our furnace shut down, and we needed it repaired immediately, as we had elderly and a XXXX XXXX XXXX XXXX living in the house, and the heat was not working. I had to call my oil company to service it, and it was an unexpected expense. Due to the high cost of oil, and the service and repair charges, we were unable to pay our mortgage. In the beginning of XX/XX/XXXX, we applied for home owners assistance from the New Hampshire HAF. We were told that we could get assistance if we applied for a loan modification and were denied. We submitted a request for a loan modification on XXXX XXXX... I was asked to submit some missing documents, which I did.. Several days later I called my servicer for an update. They requested more documents. Eventually I faxed, and e-mailed everything they asked for. For the past several weeks I have called for updates, and was told there were no updates. This has been going on for 2 months, with no update. We need the servicer to make a decision ( approve or deny ) the loan modification request so that we can get current and avoid foreclosure. I feel the servicer is taking much longer than they should, and need a decision ASAP. THANK YOU.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (OH)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-09-17
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. (CA)

XXXX XXXX XXXX shows an old joint account auto loan as being Charged Off/Written Off in the amount of : {$5000.00} and a balance due of {$100.00}. In actuality, the loan was paid off by XXXX XXXX XXXX, due to a total loss. The pay-off amount was : {$5700.00}. The check was issued by XXXX on : XX/XX/XXXX and cleared by XXXX XXXX XXXX on : XX/XX/XXXX effective XX/XX/XXXX. 

I spoke with XXXX today, XX/XX/XXXX, after I disputed the inaccurate information with Experian and XXXX. XXXX is removing the erroneous information. Experian is keeping it. XXXX refuses to do anything about it, even after showing they received and cashed tje check from XXXX. I explained to XXXX that by writing off the loan amount as a loss on their corporate taxes and taking the check from XXXX, is a form of tax fraud. It is either one or the other, not both. 

I spoke with XXXX today, XX/XX/XXXX and obtained a copy of the check they sent to XXXX. I uploaded the copy to Experian 's website. 

XXXX is not being honorable and living up to their reputation as a predatory lender.