davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Fraudulent Loan. Consumer signed a Negotiable Instrument ( Promissory Note ) which is Legal Tender and for the total payment for the Vehicle in FULL. Credit Acceptance Corporation had Consumer signed a Promissory Note on XX/XX/XXXX and asked Consumer to signed another agreement in XXXX / XXXX of XXXX for the same vehicle with an additional Promissory Note, in which was tendered electronically so that consumer could not properly endorse the NOTE " Pay to the Order of the United States of America without Recourse '', making consumer the " Holder in Due Course '', " The maker of the Note '', and a " Real Party in the Interest '' to said property. Company refused to settle this FRAUD and tried to repossess ( STEAL ) the vehicle after consumer refused to continue making FRAUDULENT PAYMENTS in FIAT DOLLARS ( Federal Reserve Notes ). Company sent a UniLateral Contract signed only by consumer which does not constitute a Legal Contract under Uniform Commercial Code.
Consumer complaint received 2020-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (NV)

I have/had a Home Equity line from Chemical Bank loan number XXXX. I received my Statement from Chemical Bank for XXXX and it showed the total balance due. The loan is current. I called the number on the Statement on XX/XX/XXXX and was told that a letter was sent to me in XXXX informing me that they were closing the loan in XXXX and I should seek alternate financing. I called a mortgage broker I know and he ran a credit report. I had some late payments on my primary mortgage and he told me that until I make 12 consecutive on-time payments no other bank would consider refinancing. 

So I called Chemical Bank back and they referred me to the loan department. I was informed that had I called earlier they could have done something but the loan is closed. I explained that had I gotten their letter I would have contacted them immediately. Furthermore, there was nothing indicating timeout on my monthly statements, no one called me and I did not receive a registered or certified notice. They told me there was nothing they could do and referred me to collections. I called collections and spoke to XXXX XXXX Option 1. XXXX checked to see if there were any options. She called the next day and told me there were none. I could refinance or sell my house. I explained why I couldn't refinance. I told her I am perfectly capable of paying principal and interest for a year until I was eligible to refinance. She told me I couldn't do that and I should sell my house. I said I am a senior citizen recovering from XXXX, on XXXX, and you want me to sell my house because you sent a letter and I didn't get it? She said how could you not have gotten the letter? 

I said I have spoken to three departments, none of which can help me, and I obviously need to speak to someone higher up in the bank. She tried to get her supervisor on the phone but he was not available. She asked if I wanted to file a complaint and I said yes. She told me someone would call me back. It is XX/XX/XXXX and no one has. 

I called collections back the following day, spoke to XXXX and asked for a copy of the letter they claim they sent back in XXXX. I still have not received it. 

I am concerned that they will put my loan in default, ruin my credit, and ensure that I can't refinance, which is what I need to do to solve the problem. I could understand if I wasn't current on my payments, or couldn't pay principal and interest but I am current and offered to pay principal and interest. I can't believe all this grief because I didn't receive a snail mail letter. And finally I am concerned they could foreclose on my house.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OH)

XXXX XXXX is attempting to complete a short sale with PHH. XX/XX/XXXX XXXX XXXX called PHH and asked for a short sale update, PHH said the short sale is under review and the appraisal has been ordered and to call back next week. XXXX XXXX called back XX/XX/XXXX with the same response. XXXX XXXX called back XX/XX/XXXX, PHH said the file is not under review for a short sale but under review for a loan modification even though the borrower is deceased and the home is vacant. XX/XX/XXXX XXXX XXXX called PHH and they said the executor documents are not valid, the manager reviewed them and verified they are accurate and that was a mistake and he will updated the file. XX/XX/XXXX XXXX XXXX called in and PHH said the loan modification was reviewed and closed out, and now will be open for a short sale review and the appraisal will be ordered. XX/XX/XXXX XXXX XXXX called PHH and the file has been escalated and to call back in 2-3 business days. XX/XX/XXXX XXXX XXXX called PHH and they said the same thing. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale because the file has to be reviewed for a loan modification first. The manager got on the phone and said that was a mistake and the file will be opened for a short sale and will be escalated to the case manager XXXX XXXX ( never received a reaponse ). XX/XX/XXXX XXXX XXXX called PHH and they said the file has to be reviewed for a loan modification before it can be reviewed for a short sale. The manager XXXX XXXX ID # XXXX said she is not sure if the file has been reviewed for a loan modification and will expedite the file to get moved into a short sale review. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale as it needs to be reviewed for a loan modification first. The manager XXXX XXXX ID # XXXX said he personally escalated the file to get opened and reviewed for a loan modification, and the file has not been opened for a loan modification. Today he said he will open the file for a loan modification.

Everytime I call in to get a short sale status updated the phone call is at least 1 hour or more. Can someone please help PHH follow short sale guidelines.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Placed order online for an swimming pool liner in the amount of {$98.00}. Two days later I received an email stating that item was delivered. Reached out to the merchant through email @ XXXX. I sent 3 different messages on 2 different days and still no reply back. I then called USPS and gave them the Tracking number XXXX. The agent then asked me for my shipping address. She stated that the address on the tracking is not mine and that she would open an case for the item. Service request case # XXXX for USPS>>> After contacting USPS I then call my bank which is XX/XX/XXXX ( claim # XXXX ) which then credited my account temporarily. After 90 days of XX/XX/XXXXdoing there investigation they then stated that they would not pay the claim. I have reached out to the claims department multiple times regarding this issue and I was told to contact Pay pal who then stated for me to contact my banking institution. I have missed hours from my job trying to deal with this matter and I thought that your bank has your back.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
Consumer complaint received 2021-06-29
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 ()

Since XX/XX/2020 I Open my XXXX XXXX. With him i know more people or worker in XXXX XXXX : XXXX, XXXX, XXXX XXXX. I open my promotional activity, which i help the emergin XXXX XXXX to use better their money. I do the " XXXX XXXX '' in the XXXX XXXX, and i pay monthly XXXX XXXX. In the start we receive XXXX for month, but we can't pay all over Tax of Paypal and XXXX XXXX, or traplist team.. therefore we didn't obligated the artists to pay us for " XXXX XXXX XXXX '', we didn't knew was a law.. in XXXX and XXXX, i was coming to receive Donations by the Artists, they paid us to use better the money. But a big part of Money goes lost for " Buy '' the Services of XXXX XXXXXXXX XXXX, XXXX XXXX and inother we had to pay Tax, XXXX XXXX XXXX Team.. We don't obligated the " XXXX '' because the earnings were really few. Paypal, in XXXX XXXX permanent blocked my account Paypal with XXXX locked in Profile, and XXXX for monthly that i can't received because they use only paypal. I have now to Pay the Tax, because the money are fattured, but i'm young, i'm XXXX years old, and in XXXX i would start the university in XXXX ... if i don't use Paypal i lost my work, and i lost a year of Work and costumers ... I don't know if i can pay the University ... please help me, i promise that in future i will receive payments only in " XXXX XXXX XXXX  '', not " XXXX XXXX XXXXi '', also are Donations. I have a team of 10 people who believe in the project, i lose more.. I haven't do anything illegal ... In fact, i'm trying to do anything legally. Please help me.. my email of account is XXXX and my Name is XXXX XXXX
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently reached out via certified mail to XXXX XXXX and TransUnion about providing validation for an U.S Bankruptcy  XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent a complaint asking XXXX, XXXX, and Equifax to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/19, my Ally Bank debit card was fraudulently used. The charge was for {$410.00} and it appears on my bank statement as " XXXX XXXX XXXX XXXX , CA , US ''. I reported it to Ally Bank XX/XX/19 as a fraudulent charge and they opened a dispute. They came back to me that the dispute was denied because my debit card was used on the website of a 3rd party payment processor and therefore I needed to file the complaint with XXXX. I called XXXX and they continue to tell me that they can not locate the charge without the full 10 digit debit card # that was used. Because the card was fraudulently used, and I subsequently cancelled said card, I no longer have the card in my possession. XXXX tells me they can not locate the charge to open a complaint without the full ten digit number.

I have worked with Ally Bank and after exhausting all resources, they said they have no way of finding the full 10 digit # of a debit card that is cancelled. I have spent hours on the phone with XXXX, and they said there is absolutely no way for them to locate the charge in their system without the full 10 digit debit card number. I am highly suspicious that XXXX has no other way of locating it, or that Ally Bank can't work with XXXX to locate the transaction, but neither company is being helpful and I am still owed {$410.00} that was stolen from my bank account.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2019-11-05
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. (WI)

XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (IN)

When the bill was paid, it was stated that it would be totally deleted from the 3 credit bureaus and has since only been deleted from XXXX. Creditor stated it would be deleted with 45 days of it being paid.
Consumer complaint received 2020-08-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX  XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (UT)

The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. 

I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. 

I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. 

I have had no debt since I paid off my mortgage in XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (OH)

XX/XX/XXXX I was billed {$1400.00} I logged into XXXX, the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. I was hospitalized with a XXXX XXXX XX/XX/XXXX of XXXX, accumulating more bills within my XXXX portal. I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX program. Apparently XXXX XXXX department automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared in/on my XXXX portal where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to XXXX collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX program, especially automatically enrolling ONE of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment. 

Then XXXX sold my debt after this was originally settled via XXXX XXXX in an attempt to collect again. It is on record that XXXX XXXX hospital advised XXXX to stop collection on this debt. Now I am being harassed by XXXX XXXX XXXX. I attempted to inform XXXX XXXX XXXX about this previous report about shady collections on the part of XXXX XXXX and then OneAdvantage, but they ignored my written submission that included this report. 

This debt was shady from the start, as I paid my accounts in full, not aware that they moved a bill to another account that I had no access to. I am tired of fighting this unfair fight. Check my account with XXXX XXXX I am paid in full as I have always been. This is shady business deals, I never gave consent for any bills in my name to be moved to another account. 
I NEVER ENROLLED in XXXX. Ive attached that their own email states that it is optional and all I have to do in enroll to get started.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

I opened an account with SYNCB/B & XXXX account # XXXX I never received any bill from them. I was awaiting my first bill to make the payment. As soon as I was informed that a payment was due I quickly made the payment over the phone to avoid any other issues which I now see had impacted me in XX/XX/2020.