davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OK)

We have reached out to Freedom Mortgage several times regarding the Private Mortgage Insurance placed on our mortgage loan. Every call has been recorded according to their disclosure with the initiation of our conversation. Our current Loan to Original Value Ratio is 78.8 %. We have had two conversations with their mortgage brokers where we were told that we could send a letter to request the  removal of the PMI, but it really wasn't necessary because it will drop off in " XXXX '', which is in 2 months. So we sent the letter and was told that we have to have another appraisal. This costs {$500.00}. Our thought process is why should we have another appraisal when we have two months left? We can use this money toward our principal. Well after several more conversations : XX/XX/XXXX I spoke with ID # XXXX and was disconnected. I called back and spoke with XXXX @ XXXX on a recorded line. I was told " qualifies for PMI removal scheduled to drop off by self. '' Loan meets 2 requirement. Then he stated we had to be @ 75 %. 
They are not providing a logical reason to us that makes sense for why we are still having to pay PMI. Our original disclosure statement for PMI states that the PMI will automatically terminate when it reaches 78 % .They have this date scheduled. However, even if we reach 78 % prior to this scheduled date, they refuse to drop the PMI without an appraisal, which is not listed in the section discussing automatic termination.Today I called and spoke with XXXX ID # XXXX, she refused to allow me to talk with some in PMI and said that they do not take direct calls. I then was sent to her supervisor, XXXX ID # XXXX and was told that the PMI would not be removed before XX/XX/XXXX without an appraisal. We are not sure of why we had to have PMI in the first place because we put down over thirty thousand dollars when we bought this house. Please help. Thank you.
Consumer complaint received 2023-03-17
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX  and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX, XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX  ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXXXXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-05
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. ()

At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I have written several certified letters to XXXX AND XXXX XXXX asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Collection is not from the orginal creditor XXXX, the current creditor I.C. Systems, at XXXX XXXX XXXX XXXX XXXX, MN XXXX. They have been sending harrassing collection notices via email, mail, and by phone after the debt was sold stating that the payment was past due. I do not know this company. I have never done business with this company and they do not have a contract bearing my signature.
Consumer complaint received 2018-08-22
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. (NJ)

I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA
Consumer complaint received 2018-08-22
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. (NJ)

I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA
Consumer complaint received 2019-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

There is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is XXXX XXXX XXXX.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc. (NY)

these animals keep calling me from this company Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX phone i woe nothing to nobody and they are annoying me and i am also on do not call list, so please please stop these animals
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about this on XXXX. There is numerous of people they have done this too and have wronged.
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I was refinancing my Home with a mortgage company. XXXX XXXX had sent me a brochure with a rebate at that time for the purchase of a car. I traded a XXXX XXXX Note XXXX for a XXXX XXXX XXXX. The total cost was XXXX. I was offered 5 years, with a monthly payment of {$600.00} a month. 

I was told that night by the mortgage company that night that my loan fell through. I was not getting the loan. I went back to XXXX where I had purchased the XXXX XXXX, to return it. It was around XXXX the next day. I was told I could not returned the car. I could not get my XXXX XXXX Note back. This was within 16 to 18 hours after the purchase of the XXXX XXXX. I was told to go to a bank and get the bank to refinance the car, or pay Nissan Motor Acceptance {$4000.00}. towards the XXXX XXXX to have the car payment down, to have the car refinance. 
I can not make the payment on this car. I am afraid XXXX will take the car from me when I can not pay for it. They wanted to keep my old car and theirs too. This will leave me with nothing.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

In a response letter from XXXX on XX/XX/2023 from my compliant filed on XX/XX/2023, they mentioned that " we confirmed your charge off accounts are not reporting to XXXX '' when in fact they are reporting to all 3 credit bureaus : XXXX, XXXX, and XXXX. Initially, the charge off accounts were only reporting on XXXX. 

So are they incorrectly reporting to XXXX and XXXX? Should these charge off accounts be only reporting accurately on XXXX?
Consumer complaint received 2022-07-08
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. (NJ)

I had received the alert from my Experian Credit Report. about the over usage on one of my credit cards for XXXX XXXXXXXX XXXX XXXXXXXX XXXX When I checked, it says that, " Your XXXX XXXX XXXX XXXXXXXX acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on XXXX XXXXXXXX XXXX XXXXXXXX and later on changed the address. Hence, I called the XXXX XXXX XXXX  XXXX and Experian to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from XXXX XXXXXXXX XXXX XXXXXXXX couldn't find this account under my name but he was further going to investigate about this matter and send out information to Experian. I was also told by Experian Customer Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my Experian Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

WE DISPUTED A LARGE NUMBER OF TRANSACTIONS WITH AMERICAN EXPRESS AND THEY DENIED OUR CLAIM BASED ON THE FACT THAT THE OWNER OF THE CARD GAVE ACCESS TO THEIR OFFICE MANAGER. SOME OF THESE TRANSACTIONS LOOK LIKE THE PARCELS WENT TO THE OFFICE MANAGERS HOME BUT THIS WAS NOT THE CASE. WE FEEL THERE IS IDENTITY FRAUD AND SOMEONE INTERCEPTED THOSE PACKAGES BECAUSE THERE WAS ONE PACKAGE THAT THE MANAGER RECEIVED THAT SHE HAD TO SIGN FOR THAT SHE DIDN'T ORDER BUT SHE THOUGHT IT WAS FROM ONE OF HER FRIENDS. THEY WILL NOT LOOK INTO THIS FURTHER AND WE SHOULDNT BE ON THESE FRAUDULENT CHARGES.
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (TX)

I have a problem with the auto and loan company I paid taxes title and registration fee but the the dealer never paid state of Texas or did paper work to transfer title and get license plates for the vehicle they filed for bankruptcy and I was stuck with a car loan with unfinished paperwork couldnt use the car because of no plates for months went with no answer just informed loan company that payments will be put on hold until we resolve the matter almost a year later I finally help them get a bonded title and shortly after they repossessed the car saying I owe them almost a year of payments and late fees
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (AR)

I received my response back from XXXX XXXX from the CFPB on XX/XX/2018 and XXXX XXXX stated that they are not required to show original contract,, XXXX XXXX still violated my right by not responding to my certified letter by mail, ,within 30 days I've showed proof that I sent them a certified letter and proof the day they received it, by law they were supposed to respond to my certified letter,,, I haven't gotten no response from them my mail,,, I even asked to received information on the verification process that was done to verify the account that's reporting on my credit file, they still haven't sent it and its pass the 30 days that they were allowed to reply back which they have not did,, I am a consumer and they supposed to respond back to my certified letter if they reporting items on my credit report,,, I asked for information and by law I should have received a response within 30days. they failed to do so XXXX XXXX has violated federal and state laws,, by not replying in a timely manner,
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I received an offer for XXXX points for opening a Citi Priority Checking Account with the stipulation I make consistent bill payments and a large purchase with my debit card within a certain period of time. I opened the account and funded with {$500.00}, and over the course of the next week, also deposited an additional {$300.00} check, {$500.00} check, and {$2300.00} cash, which would have covered my bill payments, large purchase, and some left over. 

Following this, I learned I was unable to use any of my funds and all transactions, transfers, and bill payments were being denied. I used both online chat and called several times, speaking to a manager last, who all said I could not access my money because a check needed to be verified. However, I rebutted that cash must still be available for me to withdraw since it was a non-suspicious amount and regulations required it to be available, but they insisted that the one check on hold meant they could hold my entire balance.

I asked if they could expedite and they said no. I asked if I could verify the information on the phone and they said no. I asked why my cash was unavailable and I kept getting an answer that my check was on hold, and no funds would be available until XXXX. 

Then I asked to close my account, and they refused. 

It seems as though Citi lured me with a marketing offer, and is now refusing to let me use any and all of my money as my online account and card are locked. I can not withdraw my money to pay these bills, and can not access my funds in any way.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

as a result of going to emergency room i end up owing {$390.00} which i paid all in 5 payments of XXXX, {$40.00} {$100.00} {$100.00} and {$120.00} directly to XXXX XXXX XXXX of XXXX Florida last payment on XX/XX/18, after i check my credit report i found a coleection as AR Resouces Inc # XXXX with a balance of {$120.00} in collection, i called they cant find me, i disputed the rsult was verified as accurted i called again the company teres no record of me they hang up onme
Consumer complaint received 2018-08-22
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. (TN)

It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (PA)

Ive paid a total amount of XXXX to XXXX XXXX. My payday loan was only for XXXX. I contacted the company about taking funds from my account and they said I was supposed for pay off interest. The amount I paid already is double the amount issued and there still trying to get money from my account
Consumer complaint received 2023-03-17
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. (CA)

Hello in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX I have my XXXX XXXX I paid them ( XXXX ) XXXX XXXX XXXX XXXX  account 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 stays consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I'm XXXX  XXXX  senior recently laid off and need your help. 
Paypal didn't pay me a refund of {$2600.00} that I am entitled to as a customer protection warranty. Also, Paypal has limited my account to the point that I can't even transfer my remaining balance of {$270.00} to my checking account. 
The {$2600.00} owed to me is a refund for an item that I bought on XXXX on XX/XX/2022, and returned to the seller because it wasn't as described. I followed Paypal 's directions correctly in order to get my refund. 
The seller received the returned item as it is stated by the tracking information from USPS express mail. 

Paypal has ignored all my verbal and written messages, and finally, the customer representative told me that their system algorithm " has decided to block my account indefinitely ''. 
There is not a clear explanation from them about this problem. 
Sincerely, XXXX.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service (NC)

Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022 for my Army/Airforce Exchange account XXXX 

I want you to know that I understand and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CT)

Your tracking number ( MTCN ) is : XXXX Western Union Hi i sent the money international via western union on XX/XX/2018 total amount {$1400.00} receiver did not receive the money and i call western union many time they are not cooperating in this matter.