davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My mortgage was transferred from XXXX to XXXX Loan Care LLC. 

I sent in a payment for {$1800.00} on XX/XX/2019. They cashed the check but applied the loan proceeds to a wrong account number. 

I notified them of this via Phone call to customer service. I spoke with XXXX. She said it would be reversed and posted to the correct loan in 4 to 5 business days.

After 5 business days, it was not corrected. I called Back.

This rep said she could see it was in process and check back on XX/XX/XXXX. 

I called and spoke with XXXX at XXXX on XX/XX/2019 and was told that nothing had been done.She did not know when it would be taken care of or what it would take to get cashiering to get the payment posted correctly.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

This is a account from XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!
Consumer complaint received 2019-07-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I recently subscribed to credit monitoring through XXXX and noticed a collection account that I have no knowledge of. I mailed a 2nd debt validation letter by certified mail on XX/XX/XXXX to the collection agency listed on my credit report, United Revenue Corp, for proof of the debt, what it is for, anything with my signature on it, etc. The company sent me a one page response saying my debt is valid per their investigation but did not send any form of proof that the debt is mine, that they have anything with my signature on it, etc. I have no knowledge of this debt and it does not belong to me. The original creditor is XXXX XXXXXXXX XXXX and by doing a basic XXXX search, its a chain of hospitals in the XXXX, TX area. The letter states that I was seen in an emergency room on XX/XX/2016. I have not been to the doctors or any hospital in the XXXX area. I requested that the debt be removed from my credit report due to fraud and the fact that proof of the debt can not or will not be provided to me, the consumer who is suffering from a negative account which does not belong to me being hit on my credit report every month.
Consumer complaint received 2019-07-24
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 (GA)

I was notified this morning via email from PayPal that my account is permanently limited for violating their acceptable use policy. The notification went on to say that my entire balance will be held for 180 days. I called PayPal and was told that some type of back office group of management has decided that my account should be restricted and that they do not have a way to find out why this has happened. 

My current account balance is {$19000.00}, which has been made up of many charges over the last year. I expressed concern over this process and my entire account balance being held hostage for 6 months when the funds go back further than their 6 month return policy. I was told they dont keep track of that so they just hold the entire balance regardless of how much falls within their 180 day return policy. 

I spoke to a supervisor and was again told that he is not provided the reason my account was restricted, and he had no way to find out. He said that that the entire balance is held just in case someone requests a refund over the next 6 months. I explained that I provide XXXX XXXX  and this balance has accumulated over the last year from sales ranging from around {$15.00} o {$2500.00} and that my clients have never requested a refund and that if they ever did, I would refund them myself in a heartbeat. 

He agreed to submit my account for another review and that I would get an email shortly. I received an email a couple of hours later with the subject " PayPal appeal denied '' which indicated that my account will remain permanently limited and that my entire balance will be held for 180 days.
Consumer complaint received 2018-05-19
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. (NC)

I disputed inaccurate reporting from Equifax previously. A collection is reporting that I am positive is not mine. They claim to have investigated and said the information is accurate. I have a different account that has been paid in full over 45 days ago. This account has always been in good standing and just has not updated the {$0.00} balance through Equifax. I disputed the reporting balance of {$4300.00} and AGAIN was told this information was accurate. I can easily prove the balance is NOT accurate. My point is this ... ..Equifax did NOT investigate either one of these disputes. This is a violation of the FCRA. This illegal activity must be stopped. The impact their reporting has is huge and that responsibility must be not be taken lightly. No excuse for violating my rights.
Consumer complaint received 2023-01-13
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (AE)

I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ally Bank has locked me out of my account and their website. I was receiving security codes to my XXXX cell phone to access my account, with email as a second option. In XXXX, Ally notified their customers they would stop sending security codes by email. Now they have instituted a policy that they will only text codes to XXXX cell phone numbers, effectively locking me out of my account. Their support office told me I need to get a XXXX cell phone to access my account. I pointed out again that Im in XXXX and have no need for a XXXX cell phone, and have no way to open an account from here. Their response was to repeat that I need to get a XXXX cell phone or access to XXXX belonging to someone else. They werent able to explain how sending my security code to someone else improved my security. They wont text to XXXX XXXX accounts so that wont work either. I filed a complaint with customer support but of course no one from Ally has contacted me as they promised. I am locked out of my account and Ally Bank has made no effort to help me or the others affected by their recent decisions.
Consumer complaint received 2019-07-24
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: CHECK INTO CASH INC. (IN)

I went into Check into Cash to obtain a loan that I had been to before. 
The following month, I noticed that the company did a hard credit check / inquiry. I contacted them and they informed me that they started doing them the month I came in. I explained that I was not told at the time I was in, nor was there any information regarding this in the store. They told me to call corporate. 
I called corporate, and they told me that they indeed did start doing them the month I came in. They also stated that there should have been placards in the store mentioning this and that it was in the fine print of what I had signed. I told them that there were no placards relative to this in the store and that I was not told of this change. They again, referred to the mention of it in the fine print. 
I had read near all of the extremely lengthy contract in the past before there was this change. Had I known or had they told me or had the placard up for me to read, I would have opted for another business nearby to do business with. This was explained, but they simply have no interest in my credit, the impact this has caused, or the desire to remove the inquiry that I did not authorize and was not made aware of them doing should I do business with them. I know in the end, it's the consumer 's responsibility to read everything. But, like I had said, I did previously. It should be their responsibility to inform clients of any changes or addendums they make. 
I simply want this inquiry removed. It not only impacted my credit score, but looks bad having done business with this type of company to future creditors.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MD)

This is my second time disputing and submitting proof informing XXXX and their collection companies that this isnt my debt. Yet they keep placing it on my report. This has been going on for years at this point. It is bordeline harassment because as a XXXX mom my credit is my leverage and this is hurting my accounts. I would like this removed permanently. I have attached the same report from years ago.
Consumer complaint received 2019-07-24
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: Innovis (TX)

On XX/XX/2019I was notified and alerted by credit bureau XXXX that CBCINNOVIS requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19@ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19@ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/XXXX @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19after I spoke with him at XXXX he said he had sent a correction letter to XXXX, XXXX  and XXXX  but today XX/XX/19@ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from XXXX  XXXX  or Innovis for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX I was having an issue paying my auto-loan online due on XX/XX/XXXX so I was late on the first month because I wanted to pay online and needed to take time out of work to call in and inquire why, I called in and there was a technical issue with account linking, so I paid on the phone and I thought the account link issue was fixed. My second payment ( due on XX/XX/XXXX ) I tried to pay on time but again I could not pay it online so fell 1 day late. After PNC debt collector calls me I told them about the issue of paying online, so they transferred me to the online department. They informed me that payment of auto loans is not available via mobile app, only available on the website. The debt collector and the website said that {$760.00} was due but that was a fraudulent amount because that included next month, there is no reason but FRAUDULENT BUSINESS PRACTICE to tell me both on the phone and on the website that NEXT MONTH IS DUE. I actually paid the {$760.00} amount online because this is a new auto-loan and I didn't know the actual amount of the payment and didn't want to under pay or waste more time on the phone with PNC. These banks will charge me $ 35+ if I make a mistake however they make multiple mistakes and there is no recourse. I asked for monetary compensation for the fiasco on XX/XX/XXXX and this is what I received from PNC on XX/XX/XXXX : XX/XX/XXXX Message : Dear XXXX, Thank you for contacting us through the Secured Message Center! 

I am sorry for any difficulty in making those payments. The total due shows for the higher amount because it is accounting for the next months charges. Only {$370.00} is due however, as of XX/XX/XXXX. While we would be unable to provide a monetary compensation, we can provide some help in ensuring payments are made and on time with methods such as auto pay or using the online transfer funds tool to set recurring payments manually. Please reply if you will like some additional information on those options. 

If there are any other questions or concerns, you may contact us using the chat button below, or by phone at XXXX / XXXX. We are available XXXX XXXX to XXXX XXXX EST M-F, and XXXX XXXX   to XXXX XXXX on weekends. Please remember that PNC is also available via XXXX, XXXX and XXXX, XXXX XXXX to XXXX  EST 7 days a week. 

Thank you for choosing PNC Bank! 

Sincerely, XXXX XXXX PNC Bank
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC (NM)

Best Egg solicited a loan, telling me I was pre-approved for up to {$50000.00}. This was stated without any qualifications whatsoever by the company. On checking online with their " personal offer '' number, I was made to answer numerous financial questions and ultimately denied credit. Therefore I was clearly not pre-approved.
Consumer complaint received 2019-07-24
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: Experian Information Solutions Inc. (NY)

At the end of my lease agreement with XXXX XXXX for my XXXX XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/18in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.
Consumer complaint received 2019-07-24
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. (NY)

At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up onXX/XX/18 in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.
Consumer complaint received 2019-07-24
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. (GA)

I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX  Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX  XXXX XXXX  Amount : {$6200.00} Account Name : XXXX  Amount : {$900.00} Account Name : XXXX XXXX  Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX XXXX XXXX  Account : {$1400.00} Account Name : XXXX XXXX XXXX  Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}
Consumer complaint received 2023-01-13
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2019-07-24
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. (GA)

I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$6200.00} Account Name : XXXX Amount : {$900.00} Account Name : XXXX XXXX Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX  XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : AXXXX XXXX XXXX Account : {$1400.00} Account Name : XXXX XXXX XXXX Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Balance of insurance money to finish up the house ... received letters from Chase ( 2 attached, dated XX/XX/XXXX & XX/XX/XXXX ) that if the inspection report came back at least 90 % they would release the balance of the insurance claim money. 

Inspection was done on XX/XX/XXXX and report states that we are at 90 %. This report was sent to Chase. Chase sent it back to the inspector state8ing that the homeowner canceled the inspection ( which was not true ). Inspector was at the property inspected the property and had the contractor sign the report, also showing that they were on the property and had completed the inspection. The inspector sent the report back to Chase stating that the homeowner did not cancel the inspection and that the inspection was complete and the inspection report was complete and sent the report back to Chase. Chase has had the report for 2 days. I called Chase yesterday and the Chase representative stated that they were still waiting on the report ( when in fact they had received the report 2 days prior ). Just yesterday my contractor received 3 or 4 calls from other inspection companies hired by Chase to come and do an inspection for 100 % ( we just received the inspection that came back at 90 % last week, all that is required by Chase in their own words ( SEE THE LETTERS ATTACHED ). It seems to me that Chase is playing games and keeps changing their own rules that they have set and actually put in writing to me in the two ( 2 ) attached letters. This is WRONG ON EVERY LEVEL. The ONLY resolve for this issue is that Chase release the balance of the insurance money!!! ASAP, the only resolve after that would unfortunately be a lawsuit ( I WILL HIRE A HIGHLY QUALIFIED ATTORNEY TO SUE CHASE FOR DAMAGES ).