davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
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. (FL)

XXXX is showing that I have a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : XXXX ( XXXX ) XXXX - XXXX.The mortgage does not belong to me, I never applied for it or never enjoyed it, furthermore, I was living at the time overseas. According to the report, the account was opened on XX/XX/XXXX. The original mortgage amount was for {$29000.00} and the remaining balance is for {$25000.00}. The mortgage amount is {$500.00} and has been paid ( struggling ) monthly by someone, but stopped payments altogether in XX/XX/XXXX. After I have tried before to calling to XXXX  and XXXX to try to get the issue resolved but I have been unable and got as response that " after they investigation they concluded that the debt was mine ''. It was impossible to get it resolved. 

Recently I was able to pay a visit ( had to go in person ) to the address before described ( XXXX XXXX XXXX ) given that I was unable to get it resolved by phone or email and was promised that they were going to investigate the issue. A week later I got the following answer from XXXX XXXX XXXX : '' Thank you for contacting XXXX XXXX XXXX Financial Services Department. Pursuant to your request, we have concluded he investigation, XXXX XXXX XXXX does not have your information on our records. Management recommends that you reach out directly to Experian and XXXX and process a dispute of the information they are reporting ''. 

I would like to have the wrong information deleted from my report as it does not belong to me and it creating a lot of stress and it is not allowing me to buy a car or a house with a decent score.
Consumer complaint received 2019-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I have two PayPal accounts, one personal and one for a small business of mine. Both are under my name and with the same Social Security Number. 

On XX/XX/XXXX, I transferred {$1200.00} from my personal to my small business account and PayPal decided to hold my funds, transferred to myself, for 72 hours pending verification. I attach copy of the pending status of this transaction seen from my two Paypal accounts : I as a sender and I ( through my small company XXXX ) as the receiver. 

I have been a stellar customer with a XXXX perfect credit score for almost a decade, since the beginning of PayPal. 

I called their awful customer service. I was made to wait several times, until I decided to ask for a call back. When I finally got the call back, instead of connecting me immediately, I was made to wait another 15 minutes. A very rude Limitations Specialist that identified herself only as XXXX ( calling from ( XXXX ) XXXX ) and refused to transfer me to a supervisor, said that she was the only person I could talk to and basically go fly a kite. 

I'm furious that this company can basically take my money and do whatever they want with it for the time they decide. This should not be allowed. There is no basis whatsoever for they placing a temporary hold on transfers between my accounts and they are creating a potential risk to my small business by not having the balance immediately available.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

We have tried for years to get Shellpoint to work with us it got so bad that we filed Bankruptcy in XXXX cause we didnt know what to do then we tried to modify the loan but they want us to pay over XXXX a month which is way to much. Last year in XX/XX/XXXX we signed a deed in Leiu of foreclouse I was told they would settle with the second mortage for XXXX which was never done. We received a letter from an attorney for the second mortage. All of this should have been taken care of and nothing was done. when I called Shellpoint they said the Deed In leui was not longer valid cause they couldn't get in touch with second mortage which we we were never notified of any of this. They show we owe XXXX which is XXXX over what we paid for the house kinda scary. I beleive they charging all kind of fees for paperwork and deed in leui and foreclosure process and other fees but they not doing anything the house is falling apart.
Consumer complaint received 2019-09-23
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)

Equifax, the bureau who appears to be out of business ( undergoing maintenance for 5 days as of this writing ) has continuously " verified " a fraudulent loan account, a loan that was created fraudulently without my assistance or knowledge.I HAVE ATTACHED AND INCLUDED MY CALIFORNIA DRIVERS LICENSE WITH VERIFIABLE SIGNATURE. 
WHATEVER SIGNATURE THE CREDITOR HAS ON LOAN DOCUMENTS DOES NOT MATCH MY SIGNATURE BECAUSE THE CREDITORS LOAN DOCUMENTS ARE FRAUDULENT. 
The account is US DEPT OF EDUCATION/XXXX # XXXXXXXX AND XXXX   HAVE BLOCKED, SUPPRESSED OR DELETED THIS ACCOUNT LONG AGO. 
EQUIFAX, THE CONFUSED INCOMPETENT BUREAU IS TODAY PREVENTING ME FROM PURCHASING A CAR AND A HOME BY THEIR PHONY NON -STOP " VERIFICATIONS '' OF THIS FRAUDULENT INFORMATION.
Consumer complaint received 2019-09-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Law Office of Michael J. Scott, PC (VA)

i requested a verification of debt from scott and associates. They sent in regular mail with bill of sale, acquisitions of accounts, including 48 social security numbers other people information on their interest owed and how much they have to pay as well. No attorney wants to touch i have went through two. they said i did not have any standing
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

In XXXX of this year LoanCare LLC took over the servicing of my mortgage after the bankruptcy of XXXX. The first statement from LoanCare showed an additional {$12.00} added to the amount I was supposed to pay and categorized as " Total Fees and Charges ''. There was no explanation as to what these fees were for. The amount continued to show up on successive statements. I continued to pay the mortgage amount that XXXX 's final statement indicated. 

On XX/XX/XXXX of this year I sent a letter to the customer service address indicated on the back of the statements. I have not received a response to this day nor has there been any effort on LoanCare 's part to resolve this issue. 

It was not my choice to have this company service my account. I had no choice in the matter. I feel that they are not honoring their commitments and are not dealing fairly. I think it's likely they are doing the same thing to other XXXX customers that had this situation thrust upon them.
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2018 for and amount of {$1300.00} dls, was charged to my account due to an error on the merchants website and submitted a dispute which was processed very poorly and not enough effort in getting my money back which now I am being charged along with interest. Also I have done 90 % of the leg work for Chase and provided them with information but nothing yet. Also feedback in never consistant very upset and tired. Please advise
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am challenging the account being furnished on my credit report with the account number XXXX. XXXX, XXXX, and Equifax failed to conduct a proper investigation and remove this inaccurate account. On XX/XX/2022, the account XXXXXXXX XXXX  XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXXXXXX XXXX This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXX Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (AZ)

I had fradulent online charges using my debit card on XXXX to XXXX in the amount of {$2800.00}. I reported it on XXXX as soon as i noticed it, had my card cancelled and a new one issued. I got a letter dated XXXX from Money Network, my financial institution that i had to sign and return. I sent the form back and awaited a response. I got a response denying my claim. After speaking to them i found out they never investigated anything, they claim they based the decision on previous account usage. I never had any charges/payments to 99 % of those merchants. I have since filed a police report and appeal with money Network and no money has been returned
Consumer complaint received 2019-09-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (FL)

XX/XX/XXXX I XXXX XXXX XXXX, in XX/XX/XXXX obtain a PAY DAY LOAN from XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL. XXXX ) due to hardship, I was unable to pay the loan I spoke with XXXX XXXX   several times, thet told me at that time to enroll or take a Financial Program and when I was finished with the classes to call them to let them know I completed the class. I completed the program and called them, at that time they did not ask for any re-payment. I took that this program waived the payment in some way. I did not receive any calls and I had the number they had for a while and I did not receive any mail. This month when looking at XXXX XXXX   on XXXX, I saw me in Collections for {$550.00}, I called XXXX  and was informed on XXXX, PLAZA SERVICES, had reported me. I never held of them and did not receive any mail from them, I would have received mail if it was sent to the address XXXX XXXX XXXX XXXX. I spoke with them as in my letter and they said I can not have a copy of what was sent to me. XXXX
Consumer complaint received 2019-09-23
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)

nXX/XX/2019,IsentEquifaxarequesttodeleteaninaccurateaccountonmycreditreport.Isentscreenshotsshowingthatisreportingdifferentlytoeachofthe3bureaus.Ineverreceivedaresponseinthemail,justanotificationfromXXXXXXXXthattheaccountwasupdated.However,theaccountwasstillreportingdifferentlythantheotherbureaus.InXX/XX/2019,Isentanotherletter,againwithscreenshotsincludedoftheinaccuratereporting.InXX/XX/2019,againIdidnotreceivearesponseviamail,justtheXXXXXXXXupdate.IcreatedanonlineaccountwithXXXXtoviewtheaccountinquestionandIseethatitisSTILLreportingincorrectly.

Myfrustrationisasfollows:1.Whyaretheynotsendingmemydisputeresultsviamail.

2.Howiseachbureauproperlyinvestigatingiftheyareallreportingdifferently?

3.HowcanEquifaxreportthatIwas60and90dayspastdue,butthepriormonth,Ihaveapaymentstatusof"OK''.HowcanIbe60dayspastduewhenIwasn't30dayspastduethemonthprior.

4)3.Howcananaccountbechargedoffifisnot180dayspastdue?The2monthspriortothechargeoffstatus,Equifaxisreporting"OK''forpaymentstatus.5.Whydotheylistabalanceonachargedoffaccount?

6.ThedateofthelastpaymentinincorrectThereareseveralthingswrongwiththereportingofthisaccountandEquifaxnotonlyfailedtodoaproperinvestigation,butalsoviolatedmyrightsbynotdeletingthisaccount.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Student Loan Financial Assistance (OH)

The company claims to be the student loan assistance center or some lie. They are NOT the federal government who I have my loans with, yet they make false claims about helping borrowers for a fee. I have requested not to be contacted by them but they continue to call. I tried calling back to obtain their company information, but their employee, XXXX, hung up on me when I asked for their address. They hang up when asked for information and they continue to place unwanted calls to my cellular phone. The CFPB needs to shut this criminal organization down, they are attempting to prey on people who took out student loans by making false claims and even using President Trump 's name in their false claims. They call from phone # XXXX. The phone # they want people to call them back at is XXXX.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

American Express mailed me a solicitation to apply for the American Express Delta SkyMiles Card. The  solicitation promised XXXX bonus miles if I was approved for the card and spent {$2000.00} on the card. 
I responded to the solicitation, applied for and was approved for the card. Then, as induced by the solicitation, I made a financial transaction in excess of {$2000.00}. 
I was then granted XXXX bonus miles, instead of the XXXX promised. I contacted the company and they said, Oh, your offer was only XXXX. 
I still have the original offer in my possession. I have provided a copy of it to American Express but to no avail. 
I believe American Express used a bait and switch scheme to fraudulently induce me to make a financial transaction in excess of {$2000.00}.
Consumer complaint received 2019-09-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Savings Bank issued a credit card to someone using my name and SS # and is on my credit report. I have contacted USAA and reported this as well as XXXX. I believe my SS number may be comprimised. 
I have no documents or any correspondense of this matter
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I recently obtained a copy of my credit report and discovered several inquiries that I did not authorize and have no association with. These unauthorized inquiries are damaging my credit score and are indicative of potential fraudulent activity.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation (SC)

I gave birth to my son in XX/XX/XXXX. I had XXXX XXXX XXXX XXXX insurance through my employer, managed by care coordinators at XXXX XXXX. I received a final bill for services rendered after prior payments had been made. The final bill amount was {$1900.00}. The final bill was from XXXX XXXX XXXX XXXX XXXX. I called the billing department at the hospital and was set up on a payment plan through XXXX. I made payments on time and finished paying off the debt on XX/XX/XXXX. After that, I received another statement from XXXX dated XX/XX/XXXX in which is reflects a XXXX account balance and my bill had been paid in full. In XX/XX/XXXX, I received a new bill for {$820.00} with no explanation of charges. I called the care coordinators on the back of my insurance card ( XXXX XXXX ) to inquire what the amount was. They told me it must have been processed incorrectly and they would have to sort through the payments/deductions to see which bill was reprocessed. I called back several times and was told this was a mistake. I asked them to contact XXXX XXXX to verify the amount as the insurance ( XXXX XXXX ) was in disagreement with XXXX XXXX re : payments made vs. payments owned and the exact amount. Due to the bill being disputed by my health insurance, and not having any explanation as to where this amount came from, I was advised by XXXX XXXX care coordinators to wait until everything had been reprocessed to pay the final amount seeing how I had already received a bill with a XXXX account balance. This was escalated to management at XXXX XXXX. Care coordinators at XXXX XXXX report they never received a reply from XXXX XXXX and were told the account had been sent to collections. They were told the collections company was Receivables Management Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I then called the collections company to ask what the bill was for/from and could I please be sent a bill from XXXX. They were extremely rude and told me the amount was from an unpaid bill and I could choose to pay it or not, but it had already affected my credit score.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

Good Morning I have had a CITI account since XXXX. 

I was erroneously enrolled in XXXX protection when I started my account. The actual charge went unnoticed by me since I have had my card. I received bills electronically and due to my own fault, never noticed it/ This year in XXXX I was going to pay off my CITI card and I contacted CITI for a fee. As I was talking to customer service, I asked about the fee that I suddenly noticed. I was informed that I must have signed up for it. I demanded it be canceled and I asked to be provided proof that I even signed up. They said I must have clicked the option or agreed to it. They put me through to XXXX   and was under the impression that I would receive a reimbursement. 30 days went by and I did not see a credit so I called again. I paid off all my bill in XXXX but what I thought they owed me back - approximately XXXX. They could not locate my request and submitted it again. On XX/XX/XXXX, I received the first denial from CITI. I was upset and called customer service again 3 - 4 days later. I said that I was cancelling my card and I was then transferred to a supervisor - XXXX. He lead me to believe that again, I would be reimbursed and I asked again for proof that I actually signed up. I also mentioned the letter that I received in XXXX that I was being refunded XXXX in fees due to a settlement with CFPB. I asked for proof it was credited. 30 days later - XX/XX/XXXX, I received a second denial letter. This time I gave very negative feedback and was contacted by another senior account specialist. He said I did receive the credit for XXXX. I told him that CITI behaved in a predatory manner. He basically didn't care and transferred me back to a XXXX member. I wish I had the name and date by my phone deleted the vmail call in an update as well as my notes. The individual was located in KY - I believe his name was XXXX. 

I spoke with XXXX  again the first week of XXXX. I explained that I was a XXXX vet, received XXXX and XXXX compensations. The XXXX representative ( again - I apologize but my phone updated and deleted my notes ) was resubmitting the information a third time because she said I most likely was not even eligible. I said I would have never signed up for protection from unemployment or whatever, because I received compensation that most do not receive. Again, after 30 days I have received a third denial letter dated XXXX XXXX.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2021-03-07
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. (IL)

i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.
Consumer complaint received 2021-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.