davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Paypal Holdings, Inc (NY)

Back on XX/XX/2020, I loaded {$200.00} on my paypal cash debit card and I purchased a room at the XXXX XXXX which charged me at about {$160.00} including a security deposit of {$50.00} which I was due to receive back after I left the hotel. This money was taking from my account as a pending charge which left me with the remaining. 
I made two other purchases after that which lefted me with a positive balance. 
Also on XX/XX/2020, I was robbed for my cell phone and my PayPal mobile App was compromised and the pass word was changed not enabling to get on the mobile app. 
I called customer service and was told that I had negative balance of {$48.00} which I didn't understand because PayPal doesn't allow you to overdraft your account because it's a prepaid card company that you have to put your own money on the card. 
My card became restricted due to this matter and I spoke to a PayPal agent about my concerns and I filed a dispute. 
I was given back a credit of {$50.00}, but was still responsible for the overdraft of {$48.00}. 
On XX/XX/2020, I spoke to another PayPal female agent to address this issue and we were on the phone for over an hour trying to figure out how I got into an overdraft in the first place and she couldn't figure out the answer and she told me that I had a balance of {$1.00} and change. This was after the {$50.00} was reimbursed from me from the hotel stay at the XXXX XXXX. 
She stated that she would connect me wit a PayPal specialist, but when she did no one ever came to the phone which didn't surprise me because PayPal has a practiced of using the excuse of low staff for not being able to speak to a consumer. 
I feel that I should have at {$50.00} in my account and the overdraft was an error on PayPal not me because I never purchased anything to be in an overdraft and if the person who had access to my mobile app shouldn't have been allow to overdraft my account because PayPal has overdraft protection and don't even allow consumers to overdraft on their prepaid cash debit card. So I am having a big issue with PayPal and feel that PayPal has unlawfully cheated me out my money
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc. (AZ)

Global receiveable solutions has reported a item on my credit reports that I have already spoken to them and advised that i was disputing the charges with the insurance company as it should have been covered by the insurance company. After telling them to stop calling me they repeatedly continued to call me. I would get three to four phone calls in a row with no voice. Prior to them calling i was NEVER advised that this account was sent to a collection company until i brought it to there attention that i never got a statement in the mail. I have gotten one statement letting me know that this account was in collection, and have not received Anything from them. In addition to that they are calling me from multiple phone numbers that are not addressed as a collection company but as a local phone number with an area code of XXXX. I have already told them multiple times to cease and desist and they continue to call me.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see attached documents. I have disputed an account that Transunion is reporting in error EIGHT times, since last year stating in XX/XX/2021. They have not been able to send me proof of how they " verified '' the inaccurate information. This is clearly an reporting error and a VIOLATION of FCRA and it is to the point that if this is not removed /corrected I will pursue legal action against them,
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Remove the fraudulent XXXX XXXX account with account # XXXX immediately, acknowledged as identity theft by the company. Failure to act promptly violates federal laws, impacting my well-being, and I demand immediate compliance for an accurate credit report.
Consumer complaint received 2022-04-05
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. (WV)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

On XX/XX/XXXX and XXXX at approximately XXXX XXXX, Convergent Outsourcing in XXXX, Michigan called me. I don't answer my phone if I don't recognize the number and of course, I didn't recognize the number and they did not leave a message because I blocked the number. I did a XXXX search and that's how I found out that Convergent is a debt collection agency which for the record, I do not owe anything to anybody so it's either a scam to try to get money from me or it's the wrong number. 
I do, however have my phone service through XXXX and again, I did a XXXX search with Convergent and XXXX and found out that they teamed up and could be trying to scam people into claiming that they have an outstanding debt from XXXX and they don't, well I don't anyway. So with all that being said, they need to quit calling me and harassing me.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ON MY TRANSUNION CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH TRANSUNION. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY XXXX CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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  Balance : {$380.00}
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

I am not legally responsible for this account and do not owe LVNV any money. I received a dismissal with prejudice in the XXXX County Magistrate Court in reference to this matter that all issues are settled between myself and LVNV. This was filed with the court on XX/XX/2021. On XX/XX/XXXX, LVNV reported to all 3 credit bureaus that this was a past due collection obligation with a balance, which is false.
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT)

I requested a Forbearance in XX/XX/2020. I was accepted and continued to request assistance through the Pandemic as my business and income was directly affected by Covid -19. In XXXX of 2020 the Forbearance ended, I continued to request assistance, and have since been given the run around, without much assistance or information as to the programs that may be available. I have been in constant contact with Rushmore Loan Management Services , LLC. and their Loss Mitigation Dept. On XX/XX/XXXX I requested again for a Loan Modification and sent a new application into the Loss Mitigation Dept. for review. I have since complied with all requests for new bank statements and all documentation that was requested. I have yet to get an answer just more delay and run around on what is needed. I have expressed over and over that I want to keep my home and that I can make the payments. Please assist me in getting this Modification completed and past due payments caught up. This has also affected my Credit, as they have been reporting to the Credit Bureau that I have been late! Before the Pandemic I was caught up and current on my Mortgage Payments. Please assist me to keep my home. Thank you, Sincerely
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital One closed my account for non use ( only two years ). This is exactly what consumers do not need right now with the Covid-19 issue. This closure hurts my credit and it was down with no warning and is Un-American.
Consumer complaint received 2021-09-15
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: Bread Financial Holdings, Inc. (MA)

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CB/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-11-18
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. (MA)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX XXXX XXXX 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the student forgiveness department on the student aid website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached SSN. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on XXXX, XXXX AND TRANSUNION! 

( XXXX XXXX XXXX ) Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NY)

XXXX trying to collect on my XXXX  account I spoke with a agent from the company on the phone she made a statement that my account with XXXX  can be recalled and a lawsuit filed against me under the fair debt collection practices it is a violation they have committed
Consumer complaint received 2017-07-06
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. (WA)

On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>Transunion : XXXX XXXX listed as an " adverse account '' XXXX : XXXX XXXX listed as a " Negative '' in XXXX XXXX XXXX report : XXXX XXXX XXXX " date of 1st delinquency, '' XXXX " Date major delinquency 1st Rptd '' On XXXX/XXXX/XXXX I contacted Transunion XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Inquires on my Equifax report that I did not authorize : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (CA)

Hi, I and my girlfriend did a refinancing with AllyBank a couple of months ago and got approved, signed all paperwork, and moved our mortgage from XXXX XXXX XXXXXXXX to AllyBank. 
Since that, all documents sent by them are only on my girlfriend 's name, and I can't even set up a payment on my name, even if my name appears on the mortgage. 
I've been trying to call them many times, with absolutely no answer, they supposed to call back many times and it never happened. Now we have a mortgage to pay at the end of this month, on my name, and I can't even set-up the first payment. 
At this point, I need external help ... 

Thanks,
Consumer complaint received 2020-08-19
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2021-01-25
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. (FL)

XX/XX/XXXX I went to the post office and I mailed a certified letter to Equifax XXXX XXXX XXXX XXXX Georgia it was estimated for XX/XX/XXXX however it was delivered on XX/XX/XXXX but Equifax denies getting it after I followed up on it on XX/XX/XXXX and confirmed acceptance of delivery. They dont own up to be responsible for this matter but blames the issue on the address maybe being wrong if the PO Box for disputes is wrong then they failed to update on there end to customers or any third party who sends mail to it or providing on there website
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MO)

The vehicle loan was a subprime loan with Santander Consumer USA. They sent the account to collections with a company called XXXX XXXX XXXX. I have not had this vehicle in my possession for over 7 year 's. They repossessed the car back in 2013. I have asked them to remove this account off my credit report on several occasions. They didn't do the proper procedures. They sold the vehicle and still stated I owed more than the vehicle was worth. They originally sold the vehicle to me for {$17000.00}. I paid on this vehicle for 6 years and they still said I owed {$10000.00}. They claimed they sold the vehicle for {$1500.00}. I never received ANY legal documents proving that's what they really sold it for. They currently have it on my credit reports as a balance of {$7300.00}. None of these numbers add up. And I keep getting the run around.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MA)

I activated the credit card cash back offer on the early of XX/XX/2022 which shows the offer expiration date as XX/XX/2022. After that, I finished two transactions as required under the terms on XX/XX/XXXX and XX/XX/XXXX with my credit card. I'm qualified for this offer but the {$75.00} cash back never gets to my account. I started to inquire it around XXXX XXXXXXXX XXXX. During their long process time, they agreed I'm qualified for the offer and should get the {$75.00} back to my account soon. But for now they still keep telling me that they are researching the issue and have no estimated date of resolution.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (SC)

I sent a letter to XXXX  and Experian on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.
Consumer complaint received 2020-10-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC) (TX)

I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in writing and will not call me back.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX  XXXX  also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to Transunion and XXXX  on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.
Consumer complaint received 2020-10-09
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. (MA)

After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX credit and they haven't. 

XXXX credit - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US. 

Any assistance will be greatly appreciated.