davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On this date ( XX/XX/17 ), I went to each of the three credit reporting agencies and applied to freeze my credit reports. I was able to freeze my XXXX XXXX XXXX reports, and when I tried to do so with TransUnion, they guided me through the process on-line, but, somehow, they signed me up for " Credit Report Monitoring '', not simply freezing my credit report, and I was charged {$20.00} for this " service ''. At no time during the process was I advised that I was applying for credit monitoring and nowhere did they indicate that I was being charged. I was asked for my credit card information, however, I assumed it was for confirmation of identity. At the end of the process I was simply sent an e-mail indicating that I was charged {$20.00}. The website is set up in a deceiving way, and they fail to disclose that the " application '' is for credit monitoring and that there is a charge for this service. I do not want credit monitoring, and only wish to freeze release of my credit report. 

I have been on hold with the company for 30 minutes already, and no one has yet helped me, and there is no means of contacting customer service online.
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 — Account status incorrect
Company: EQUIFAX, INC. (TX)

The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX  Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

PayPal continues to put my withdrawals from my PayPal balance to my confirmed bank account on hold for indefinite periods of time, without any notice as to the time it will take to complete ( or at least a timeline that proves accurate ), with no way for any human at PayPal to resolve it. The money I have in my balance was needed to pay my bills, and now, I will be late paying them, as PayPal has decided to pad their accounts with their users money in an attempt to gain as much interest on their money as possible before deciding, at their sole discretion, when their " security '' checks are done, sending the users ' money to their account. 

A call to PayPal lead to poor customer service, and upon asking for a manager, I was put on hold for nearly 45 minutes to wait for a manager, who pointed towards an obscure part of their user agreement as reasoning for this, and that no human can/does actually review the transaction.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is refusing to correct my address on my report. They wo n't show my home address and want to show a business address. This is a major negative impact on my credit score because my credit is based on my home address NOT where I work and Equifax for months has not corrected this error despite my constant and repeated request for them to do so.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
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 — Account status incorrect
Company: Sa-Vit Enterprises, Inc. (NC)

Savit Collections is reporting a debt that I do not owe. I recently took a look at my credit file and noticed this popped up. I was not aware that this debt was even owed because I have insurance. My insurance should have taken care of the total bill, I was never billed by my insurance. This needs to be removed.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

I was XXXX in Florida Department Of XXXX and did not authorize any transactions from this account.XX/XX/2021 = - {$50.00}, XXXX XXXX= - {$100.00}, - {$200.00}, - {$200.00}, - {$140.00}, - {$500.00}, - {$500.00}, XX/XX/XXXX, XXXX= - {$100.00}, XX/XX/2021 = - XXXX..
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc. (IL)

The company called CLIENT SERVICES, holding my debt from XXXX, XXXX ( XXXX XXXX ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
Client services account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service for qualification for the Public Service Loan Forgiveness Program. 

My loan records will demonstrate that I have faithfully made payments to my student loans for more than 20 years and have been denied the forgiveness of XXXX XXXX as well as the US Department of Education and Federal Student Aid. 
1. These student loans qualified for the program originally ( and XXXX servicing later consolidated these loans ). 
2. I made payments on time each month toward my student loans. 
3. I notified my servicing provider that I was in public service and was NEVER TOLD that these payments were not qualifying due to some sort of an issue with the consolidation. 
4. My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service. 

XXXX refuses to pay off my student loans and my current balance is {$10000.00}. The U.S. Department of Education and Federal Student Aid  refuses to assist to resolve this dispute. 

Your assistance in resolving this is greatly appreciated.
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: EQUIFAX, INC. (TX)

fcra violations : Resident type Single family XXXX XXXX XXXX XXXX # A XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family please correct dr to DRIVE that is how you spell it isn't it?! 

must be ACCURATE INFOMATION FCRA law quit deleting accounts I did not request!!!!!!!!! 


not mine : also : XXXX XXXX XXXX XXXX Cellular ( XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
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. (CA)

There is XXXX account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX - Acct # XXXX Amt {$580.00}
Consumer complaint received 2020-10-20
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Ocwen was notified XXXX of enrollment in AZ XXXX XXXX XXXX program. 
Ocwen never recognized participation in program. 
Payments received from the AZ XXXX XXXX were improperly applied to my account. XXXX XXXX Requests were made about alternative options to assist me from losing home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. 
XXXX XXXX was sent and received XXXX XXXX XXXX House was placed on trustee sale XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
I was notified XXXX/XXXX/XXXX approved for loan modification I was informed XXXX/XXXX/XXXX of lien and need to remove prior to XXXX/XXXX/XXXX. 
Loan modification was denied XXXX/XXXX/XXXX because of lien. 
Relationship XXXX was asked about sale date and foreclosure status for XXXX/XXXX/XXXX was told no current sale date and foreclosure was on hold.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX has confirmed that they send one batch of updated accounts to the bureaus. They said that this is sent to all bureaus at once. This is usually done on the last day of the month. For the past three months, XXXX  and XXXX  have updated my XXXX accounts within a week, but Experian can take 14-20 days. I contacted Experian about this last month and the rep told me that he would have someone update my info. Three of my accounts that still had outdated info ( my student loan and my XXXX credit card and auto loan ) were magically updated the next business day if I recall correctly. 

This month, I encountered the same issues with Experian not updating my info, while the other two bureaus updated the info within a week of receiving it from XXXX. I called Experian today and they claimed that they never received the info from XXXX. I promptly called XXXX, who claimed that they sent it. XXXX has always been honest when they had delays reporting to bureaus, so I have no reason to not believe them now. I know other people who are having the same delayed reporting with Experian and they claim that even Experian 's own employees have acknowledged the issue. However, the reps that I spoke to today blamed this delay on XXXX. They wanted me to file a dispute to let XXXX know that the info was incorrect -- -even though XXXX claims that they already sent it. That's not resolving the real issue, which is Experian not updating the info once they receive it.
Consumer complaint received 2017-11-07
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. (FL)

I had spoken to Equifax about an account that they are reporting on my credit file and they said they were not changing anything. I have forwarded them information showing the account should be removed as per the company and they still are giving me the running around. The account is XXXX XXXX XXXX and I have included the letter showing it is suppose to be deleted. I really need your help. I do n't know why Equifax continues to not do their investigation.
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

Each month Navient charges me a late fee and my statement clearly shows I paid on time. I've asked for the Navient 's representative to to explain and help me figure out why. Each month I or my wife call and explained the issue. Navient respond by saying it's a glitch in their system. Or they put me on whole for up to 30 minutes which forces me to call back and and start the process over again. In addition, I've applied for Niavent forgiving loan based on me working for a non profit for well over 10 and when I followed up I didn't get much of a explanation from the rep Navient ... ... .Sorry you just don't qualify. Their custom service is awful.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

I have already contacted this bureau about this debt. This debt problem is on a previous complaint that I submitted to this company about three months ago. The company in question was XXXX XXXX. XXXX answered my complaint. Now I am going after the company that XXXX sold the debt to. This company is XXXX XXXX. They continue to call and harass me about this old debt - 11 year debt. I never take the calls. They always leave a message, saying that they are trying to collect this debt. They have called about twenty times, perhaps more. I mentioned this company in my complaint to XXXX, hoping that they would get the hint and they did not. They continue to harass me about this eleven year debt.
Consumer complaint received 2017-11-07
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: ACS Education Services (NY)

I had a private loan ( Amount {$3500.00} ) with ACS which I got when I started school at University XXXX Arizona ( opened XXXX ). After graduation, a couple things happened. XXXX the Government switched student loan servicers to XXXX XXXX XXXX. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out XXXX Account last active XXXX ) before it went delinquent. 
But on my XXXX XXXX, the report shows XXXX instance of the payment being XXXX days late and XXXX instances of it being XXXX days late. This is inaccurate. It should say XXXX instance of it being XXXX days late. It is not that I had XXXX loans that were XXXX late. It was that XXXX student loan ( which changed servicers ) that was late for more than XXXX days. 
I contacted ACS couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My XXXX XXXX is XXXX and I have never had a late payment other than this student loan. Showing XXXX instances of me being XXXX late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).
Consumer complaint received 2018-09-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax is reporting a collection account ( XXXX ) from XXXX XXXX XXXX on my credit file that do not belong to me. After reaching out to this collection agency they have failed to verify this account. XXXX XXXX XXXX subsequently has agreed to remove all information regarding this account from my credit file.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (IL)

I have an account with eToro USA LLC. I have my cryptocurrency in my eToro account. Recently I changed my cell phone number and now eToro is not allowing me to log in to my eToro account. I have sent several emails to eToro and left several voicemails for eToro to enable me to change my cell phone number but neither my emails have been replied to nor my call has been returned. Please intervene and direct eToro to allow access to my account. My cell phone # is XXXX. 

XXXX XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For the past XXXX days, after I enter all my personal info at XXXX, the Transunion site displays a message that due to the XXXX breach Transunion can not process my request. That is the only XXXX of the XXXX companies from which I have not requested a free report within the past year. I 've been trying to access my report early in the morning CST, before too many are awake in the US, and have also tried in the afternoon and at night. 

XXXX. After a breach of this magnitude, there should be no charge by any of the XXXX companies to an individual requesting his/her own credit report. 

XXXX. If Transunion can not handle the request volume, that message should be displayed at XXXX BEFORE we enter all our personal info. 

XXXX. We all need new identifiers to replace our SS # s!
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (WA)

I send them a request of validation letter requesting the following ; Name and Address of Alleged Creditor Name on File of Alleged Debtor Alleged Account # Address on File for Alleged Debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased Original or copy of agreement that bears my signature of where I agreed to pay the creditor.

However all I got in response was some of the request and nothing showing my wet signature nor a notification where it states I can dispute this. They are also affecting my credit report by reporting to the CRA 's which is a violation of the federal law 15 USC 1681a ( 4 ).
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: Conn's, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a letter from XXXX XXXX XXXX XXXX stating that if I paid a portion of my bill the rest would be listed as settled in full. I paid the amount on XX/XX/XXXX. I received my credit report on XX/XX/XXXX. My report states that I paid only a portion and that I need to pay the balance.
Consumer complaint received 2018-04-06
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. (TN)

OnXX/XX/XXXX, I sent a dispute letter regarding the inaccurate bankruptcy on my credit report. Equifax investigated and removed it from my credit report. A few days later it was added back on my credit report.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

I was reviewing my credit report. I was alerted to a collection report for XXXX XXXX. I do not know this debt and it also exceeds statue of limitations for XXXX as XXXX went out of business in 2020. This is not my debt.
Consumer complaint received 2022-04-06
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. (MO)

In accordance with the Fair credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : a creditor may not treat a payment or a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-16
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. (PA)

Ive written multiple dispute letters to transunion ask for the removal of multiple hard inquiries that are not authorized or verified and I havent received any response or updates whatsoever