davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OR)

Date-XX/X/2017 Amount- {$150.00} Company- XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-Paypal Client # XXXX XXXX Account # XXXX Amount Owed {$150.00} Sent this notice that the records of PayPal Inc show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted PayPal and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe PayPal any money and they have no record of this debt.
Consumer complaint received 2017-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I inquired about a studio apartment rental in downtown XXXX listed on XXXX. It did n't have the usual scam signs and seemed legitimate. Friends agreed it seemed ok. I was asked to secure my rental with a {$500.00} security deposit, the month 's rent of {$1400.00} and a cleaning fee of {$100.00}. I was sent a lease to sign and the above bank info to send the money. Then they barely responded to my emails as my arrival drew closer. This concenened me as I prepared my departure from the East Coast, headed to XXXX. When I arrived, no one showed up at the apartment and have not heard a word since. I called the XXXX police who referred me to this sight. I have contacted XXXX and " prohibited '' the post. The man 's name was XXXX XXXX XXXX and his email was XXXX His phone number was XXXX. Posting : XXXX XXXX XXXX I  have also since been texted by this person and was advised to block them which I did.
Consumer complaint received 2021-09-09
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. (OH)

XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Contacted Experian regarding an account revolving XXXX XXXX as account to be corrected as PAID ON TIME. 1ST ATTEMPT WAS IN XX/XX/2021 ... NO RESPONSE. as possible finance corporate submitted a request to fix it delete from file. Another request has been sent XX/XX/2021 for the same request. No response from Experian
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have three missing closed loan accounts not showing in my XXXX credit report, I do see them in my XXXX and Experian. 

I confirmed with creditors account should be reporting with XXXX and was advised to contact the credit bureau directly. 

I have had issues in the past before I got my social security number, where the credit bureau system automatically create a credit file even without providing a social security number, this is why I am asking the credit bureau to try to locate those accounts manually as it could possibly be in a different credit file under my old address or previous name used. 

Please check attached cover letter and supporting documentation.
Consumer complaint received 2021-09-09
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. (OH)

XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (TX)

Sterling Info Systems and XXXX XXXX have classified me as a Tier 3 on a non conviction when my employer, XXXX XXXX XXXX paid for my background check. This same issue arose in 2013 when I applied at XXXX XXXX. I later was hired after I disputed the wrongful block and adverse action after being hired prior to XXXX involvement.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CO)

Over {$2600.00} dollars of fraud charges were charged to my Direct Express card. Which is were i get my social security payments from. I filed a complaint with the company supplied them with all documents they asked for including a police report that was filled. I was told the case was closed they couldn't find that they were fraud charges. 

I called back and spoke with a manager and explained to him that I was in the ICU for the whole month of XXXX that I had no way to make these purchases. He said he would reopen the investigation and asked me to send him the paper work from the hospital showing i was in the ICU. Which I did. 

Now anytime I call and reference the SR number it directs me to a message saying they are busy at the moment try calling back.. This has been going on for months. I have faxed them asking for someone to call me and I have yet to speak with anyone. A police report was filled and investigated and they have issued a warrant for the person who stole the money. That's great but I need my money back. I live on a fixed income and this is a big chunk of money that was taken. The customer service with this company is very bad.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Several fraudulent checks ranging from {$600.00} to to {$800.00} dollars over several weeks were cashed out of state and taken from my business account. Huntington admits that the checks were fraudulent and forged.These check numbers were way out of sequence. Also, did n't even resemble the checks we have used for several years. 
Check # XXXX XX/XX/XXXX{$600.00} # XXXX XX/XX/XXXX {$750.00} # XXXX XX/XX/XXXX {$710.00} However ; declined to reimburse these monies due to not utilizing a security feature that they can supply. But yet knew nothing about. I feel Huntington failed to protect my money.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP (MN)

Associated Bank in MN is apply a lender credit based upon the rate chosen and calling it a " grant '' so that the funds can be applied towards the down payment required of the borrower. XXXX recently issued a statement that this will no longer be allowed. The lender credit for rate selected should not be considered a " grant. ''
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (NV)

I paid off the debt directly with XXXX XXXX on XX/XX/2019. They stated they would delete it from my credit profile. This should be deleted from my credit file as soon as possible. Waypoint Resource group still shows that i am in collections Delete the WAYPOINT RESOURCE GROUP ( XXXX XXXX ) that is on all 3 credit bureaus. I would like it deleted from all 3 bureaus see payment receipt below : Hi XXXX, We've received your payment, thanks. 



Payment Amount : {$780.00} Payment Date : XX/XX/2019 Payment Method : Visa ending in XXXX Account Number : XXXX Make your life easier by setting up automatic payments using EasyPay. It's free, secure, and saves you time. 


ACTIVATE EASYPAY
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I sent correspondence to Select Portfolio Servicing ( SPS ) notifying them of their violation ; of California Statue Limitations four years and my rights under the Servicemembers Civil Relief Act ( SCRA ). On XX/XX/XXXX responded to my letter stating they would reply ; no response was given except for foreclosure. 
First, violation by SPS I have a family member who is Active XXXX XXXX. He was enlisted in XXXX. I notified SPS of our rights under the SCRA and asked for them to stop Foreclosure proceedings on XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX proceeded with those actions and foreclosed on XXXX. In violation of our rights under the SCRA. 
Second, violation by SPS California Statue of Limitations for written contracts is 4 years. The last date of payment on this loan was XXXX. They filed the Notice of Trustee 's Sale on XXXX. In violation of California Code of Civil Procedure 337.2 4-year time limit ; no action shall be brought.
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (GA)

I recently checked my credit and I noticed my reports for  XXXX ,  XXXX  and Experian contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows  :   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Experian :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also think that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were placed on several different dates.
Consumer complaint received 2021-04-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 
As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about this unverified account as of today.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I sold XXXX on coinbase.com and the bank transfer ( XXXX ) is still pending, it was on the XXXX of XXXX. 

Multiple people have the same problem, they just email you some generic response and nothing. It 's about XXXX XXXX, which I need to finance my house. 
Please help me.
Consumer complaint received 2017-11-16
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. (FL)

I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

At the end of XXXX around the XXXX XXXX. I talk with the credit bureau about my credit is out of date. My credit card reporting payments has been incorrect information. Hard cord fell off my credit and made my credit go down. Incorrect late payment history being put on my credit is making my score go down. Its never been fixed. My credit card payments is still sitting from 3-4 months ago. I spoke with my credit card companies and they all say there is no late payments on my credit cards. I have statements that says there are no late payments from the last three months now. I just got a report from Transunion saying there was a late payment so my score drop, that is incorrect information. My score would be a XXXX then itll drop to a XXXX then for them to fix something it still wont go back up to what it wouldve supposed to have been when it was a XXXX. And there was a error on the report that made my scores drop.
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

THIS ACCOUNT IS INVOLVED IN LITIGATION. I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ENGELHARDT v GRAVENS (mo) 281 SW 715,719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THERFORE EXISTS.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After being alerted of the XXXX personal information leak I tried to set a credit freeze at the three big credit reporting companies. One of these companies, TransUnion, buried their link to the credit freeze service behind multiple pages and ads for their own " credit security '' service, making it very difficult and confusing to freeze my credit. On top of this, they are blatantly abusing their power by charging a fee to freeze my credit after this massive leak, which can be said for XXXX as well. This is not a run-of-the-mill identity theft case. It is a massive breach of personal information, and these companies already stand to make billions of dollars from credit freeze fees alone. There is no reason for them to be pushing their own services to take advantage of people in vulnerable positions.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUHOME SOLUTIONS, LLC (OK)

True Home Solutions purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by True Home Solutions whom was informed by XXXX XXXX XXXX  that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. True HomXXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting AgencieXXXX. However this hasn't been the case. I also recall having to address this with True Home Solutions ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX and CFPB in addition to any further action that may be taken against said mortgage servicer.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze/unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

To whom it may concern, On XX/XX/2019 I placed an order on Kohls.com for the amount of {$110.00} and incorrectly used my saved shipping address, which I have recently moved from. When I realized my mistake, within moments, I contacted Kohl 's customer service to have the order cancelled, per their policy. When I logged into my Kohls.com account, I saw that there was no way to cancel my order, so I contacted their customer service department. The customer service agent told me that because I elected to have part of my order for pick up at a store, and the other part shipped, I could not cancel my order or have my order redirected. Instead, I would have to track down the shipping companies and make my own arrangements. When I asked for a supervisor for further assistance, the supervisor advised me of the same issue, that she could not/would not cancel the order, and that I would have to make other arrangements. After this call, I proceeded to cancel my Kohl 's Store Charge Card and stated, I would not be able to receive the shipment, and I would not pick up the items in the store -- - and therefore, I will not pay the bill. 

My complaint is in two parts : one, Kohls.com policy is that an order may be canceled within 30 minutes, by logging into their ordering system and selecting cancel ( not available for me ) and/or by calling their customer service number. I was not able to cancel my order, even after I followed their policy -- - two,  because they would not cancel my order, I will not receive my order, and therefore, I should not be liable for : {$110.00}. Last, I was not provided the carrier or tracking information to change the direction of my shipment, and the supervisor could not confirm which carrier would ship my order, making it impossible to fix this issue. 

I am disputing a charge of {$110.00} on my bill, for goods I did not receive and I advised Kohl 's I would not be able to receive, moments after submitting an online order.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I called or messaged Experian, XXXX and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all 3 that was not possible.
Consumer complaint received 2019-10-28
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. (DC)

I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.
Consumer complaint received 2019-10-28
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. (DC)

I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.