davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Our complain is about PayPal. Our money has been on hold bu 180 Days and now it is time to get out money however, we see on our account that, PayPal has taken our balance and transferred to their system by indicating that we caused them a damage as per their Acceptable Use Policy Violation. 
However, this policy includes seeling the prohibted items : including, gambling, drugs, smokes, or other illegal items however we are a gadget store and we sell phone cases, and some car holders along with other electronic accessories. We can prove that by showing each single transaction on paypal which shows the name of items as well. 
We strongly believe that, PayPal has made a big mistake and have taken our money from our account at the time of release date. 
We urgently need this problem to be fixed
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

I have paid this debt with the original creditor XXXX XXXX XXXX XXXX Merchant and Professionals collection agency is still reporting it as unpaid. Please validate and delete. I received online notification from all three credit bureaus on XXXX XXXX that Merchant and Professionals Collections place an account on my Credit report in the totals of. {$190.00}. Merchant and Professionals violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report. This debt can not be validated, I do not owe this debt.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

We fell behind on our mortgage and sps servicing made a trial loan modification. I have a letter from them accepting agreement. Dated XXXX. I made the 3 payments for XXXX, XXXX and XXXX. SPS is holding my XXXX payment hostage. Which they cashed the check. I made it every third of the month. There making it look like we did not make the 3rd payment! There holding the payment until my husband signs agreement saying they can pull the payment on the XXXX of the month. Mind you our S.S.does not hit the account till theXX/XX/XXXX I don't trust them since they keep changing the payment amounts. Constantly harassment, XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX  file date of XX/XX/XXXX to experian, XXXX, and XXXX about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I purchased XXXX, approximately two years utilizing the Coinbase application. I haven't used the application since the original purchase. I tried selling the position that is now valued at XXXX dollars and the application says my account is restricted and to contact support. I am only able to send a request on their support page and did so about 3 weeks ago and again last week. I can't get a response and my account is still restricted and I am unable to sell the position and remove my money. Coinbase doesn't have a phone number available for customers that purchase crypto on its application and I can't withdraw the current value of my holdings or/and the XXXX I put in.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Dynamic Recovery Solutions, LLC (PA)

was called from XXXX XXXX XXXX XXXX was told to call them back that it would be in our best interest to do so. we are currently trying to get out of a time share with XXXX XXXX XXXX. 
this has been on going with the XXXX XXXX resort for 2 years. The collection agency has been told to contact our lawyers. the law firm we are using has also told these people not to call us. To no avail they just keep calling
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I XXXX XXXX have tried on several times to get my Experian Credit Report unlocked so that I am able to see my credit score and obtain loans for my businesses. I want this fraud alert removed from my Experian Credit Bureau permanently. I sent two letters to Experian requesting to remove the alert from my credit profile one on XX/XX/2022. And one time on XX/XX/2022. I have called on 3 occasions. Once on XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (FL)

Old Checks were compromised and transactions were made twice to XXXX XXXX XXXX. I didnt receive notification about this until I received a called from the collections agency. I explained to them this was fraudulent activity and I will be submitting a police report. I filed a police report and submitted it to Payliance several times. This was the 6th attempt reaching out to them and no response. I have documents to support this problem.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (IL)

The first week of XXXX I was checking my credit and I noticed a mark for collections from a said company called sunrise credit services. The company put this ugly mark on my credit stating I owe XXXX dollars. I immediately disputed the account with the credit bureau. The investigation was done and said the debt is valid. Im writing this complaint because my rights were violated I never received any notification via mail or phone prior to this derogatory mark being placed upon my credit. on XX/XX/XXXX I reached out to the agency requesting a debt validation letter and an itemized bill for the said debt. The woman whom I spoke with said the agency had been emailing an incorrect email address she took my actual email and assured me I would receive the letter via mail and email I have yet to receive an email with this debt.this company needs to be held liable for their negligence and REMOVE the mark they wrongfully placed on my credit you cant hold me responsible for a debt that I wasnt notified about and am also disputing nor can u put this kind of mark or someones credit without proper notification and communication Im also prepared to take legal action if this isnt corrected
Consumer complaint received 2019-08-07
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. (NY)

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my XXXX, Experian and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Consumer complaint received 2022-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened an account in the Citibank branch on XXXX XXXX ( XXXX, CA ) upon advise by the banker that this account would earn a cash bonus after 60 days. It has been over 1.5 years and I have gone to the bank several times, contacted customer service, filed investigations, and still no bonus. Every time they give a different reason - old account was closed, didnt open checking alongside, etc etc. No one is able to resolve this issue in Citibank and they keep asking me to go to the branch in person. 
The branch manager opened my account and promised I will receive a cash bonus - still no one is able to address the non payment of bonus. Looks like they scam customers by promising cash bonus and then give a run around when it is time to give the bonus. Heard many other customers have a similar issue.
Consumer complaint received 2022-03-28
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. (CA)

I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, equifax, and XXXX  about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

Hello, I reviewed my credit report and saw that XXXX at XXXX was STILL reporting to my credit for Equifax. This account has been paid in FULL! I have attached proof of payment and would like for you to remove this from my credit report at once! This is tarnishing my credit score and impacting my buying power. I have already sent over XXXX rounds of dispute letters!
Consumer complaint received 2022-03-28
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: Lending Club Corp (NC)

I sent an FTC report to all 3 credit bureaus. XXXX and XXXX removed my fraudulent account. On XX/XX/2022, XXXX removed my fraudulent Lending Club account from my credit file. Then again on XX/XX/2022 and again on XX/XX/2022 and again on XX/XX/2022. On four different occasions within a three week span. I don't know why this is continuing to happen and who's breaking the law. But I'm overwhelmed by what's going on and would like to have this fraudulent account from Lending Club removed from my credit file and report.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc. (FL)

I went to the ER ( XXXX XXXX XXXX Florida ) on XX/XX/2019 and XX/XX/2019 and the hospital did not bill my insurance and sent me to collection. I spoke to the collection agency and they said they could not do anything and to contact my insurance. I contacted my insurance and they never got a claim for it so that's why they did not pay. Now this is affecting my credit and not letting me get a loan to purchase a home.
Consumer complaint received 2022-07-07
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. (TX)

XXXX XXXX {$350.00} XXXX XXXXt XXXX {$1800.00} XXXX XXXX {$280.00} XXXX XXXX {$200.00} Inquires that i didnot authorize on acc to all except XXXXr In accordance with the Fair Credit Reporting act XXXX accounts above havrle 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 the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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 2021-05-12
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. (TX)

wrong address not mine : FCRA XXXX XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On my credit I have a collection from XXXX from a collection company. Ive never had a XXXX account. Convergent outsourcing Incorporation I did a dispute 6 months ago and I have not gotten responses at all. I know I was a victim of XXXX credit breach and I have personally been keeping an eye on my credit. That collection is not supposed to be in my profile.
Consumer complaint received 2015-08-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I was a customer of Caliber Home Loans. When I refinanced, they failed to fully return my property tax escrow. I went to the county tax assessor and confirmed that a disbursement Caliber claims they made was never paid out. Twice I have opened a case with Caliber. They tell me I have to wait two weeks for a resolution and that they are escalating. Twice now they have 'accidentally ' closed it and told me I have to start all over again. I feel they are trying to keep my money ( over {$2000.00} ).
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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 2019-08-07
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)

I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXXXXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. XXXX XXXX
Consumer complaint received 2019-08-07
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. (MD)

I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on TransUnion I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and XXXX keep reporting a bankruptcy that they refuse to explain how they verifying the item
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX/XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-18
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. (FL)

I filed a dispute in regards to the incorrect items on my credit report. And its been well over 30 days and I have received any investigation results
Consumer complaint received 2019-08-07
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 writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, experian, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX 6.  XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Mohela contacted me XX/XX/XXXX informing me they are now servicing my student loan. I paid in full to XXXX XXXX on this loan already with paid in full notification XX/XX/XXXX. I called mohela and XXXX a phone supervisor said fedloan made mistakes and i emailed my proof of payment to him.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (MI)

The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.