davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current (MI)

I have an acct with current card acct number XXXX and i also have another acct with them for some reason when i lost my card and they were suppose to send me a new card they sent me a whole new acct number also so XXXX  has been putting my stimulus money in the acct XXXX witch i open so long ago i dont remember the phone number or email i used at the time and dont have access to them anyway i have sent my picture of my id in to them all the correct info of my adress and ss # and i. Still haveing problems getting to this acct i have been trying since XXXX to get this resolved they kept the money and didnt send it back to irs for me to get the money from them they kept it and now wont let me have access to it
Consumer complaint received 2021-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

We had our mortgage financed through AmeriHome. We refinanced in XX/XX/2020, with XXXX. We are owed an escrow refund of over {$3000.00} from AmeriHome. We have called several times since XXXX and have been given various responses saying, the check was on its way. The company clearly has our correct mailing address as we have received our tax paperwork stating we have received our escrow check ( which we have not received ). Each time we call, it is a 1+ hour ordeal and they assure us we will receive our escrow check by the end of the week. When we ask to speak to a supervisor, there is never one available. We are assured one will call us back within 48 hours and that never happens. 

When you contact AmeriHome and provide our account number, they will initially say it is an inactive account ( or something similar ) because the loan has been paid off, which adds to the difficulty of getting our escrow check. 

Please help us!
Consumer complaint received 2022-04-26
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After 13 year with the credit card the lower my credit with out any reason, they been doing that in my research I found that a lot of people are complaining about this, this is affecting my credit report because the available credit when down
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

A second XXXX XXXX account was opened in my name and appeared on my credit report after I paid off one XXXX XXXX account. I am not the owner nor did I open a second card account.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DE)

I visited the ER on XX/XX/2020 due to XXXX XXXX complications. I gave the hospital my insurance information. On XX/XX/XXXX, The hospital called me to let me know that I was infected with XXXX XXXX. I never received any bill or statement stating that I will have to pay out of pocket for something that my insurance should have covered.
Consumer complaint received 2021-04-11
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. (TX)

I have reached out to Experian & XXXX  several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided Experian with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (TN)

I received a debt collection notice from ; Premiere Credit of North America , LLC XXXX XXXX XXXX XXXX XXXX, IN. XXXX XXXX Creditor listed, as ; XXXX  XXXX XXXX , XXXX for ; {$10000.00} XXXX  XXXX XXXX is fictitious. A foreign for profit corp. filed in FL in XXXX  Which is defunct. 
There has been nothing on my current, XXXX credit report, about this ever.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from Experian or XXXX credit agencies. I did receive a response from XXXX but they did not resolve all of my issues.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (NC)

To whom this may concern : My name is XXXX XXXX XXXX. I have written to the credit bureaus numerous times, in hopes of disputing incorrect information on my credit reports. I have reviewed all incorrect information, and each time I have been asked to contact each individual agency should I contest any findings. This is a time consuming process, in which each bureau should take very seriously. My frustrations lie in the fact that each bureau reports differently, including different scores. Most times different bureaus have outdated information, which should be updated once a dispute has been challenged with one of the respectable agencies. THIS IS NOT THE CASE!! 

The purpose of this letter is to inform you that, while I understand the need to fact check, some concerns DO fall short. As was the case with my initial dispute. On XX/XX/2021 at approximately XXXX EST, I reviewed my credit report. Per usual I looked over EVERYTHING attached to MY name. 
I came across a few unfamiliar addresses. One of the addressed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX. My XXXX search yielded a name of XXXX XXXX, and a business name of XXXX XXXX. 
A number did pop up of XXXX. A woman answered by the name of XXXX. I inquired, why my name was attached to her business. She advised that she was physically located in Arizona. For this reason this company should be thoroughly investigated.
Consumer complaint received 2022-04-26
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)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-11
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. (NC)

I have sent out letters to Equifax and XXXX XX/XX/21 and XX/XX/21 disputing inaccuracy for addresses and employers.. This is fraudulent information. The listed addresses and employers are not mine and requesting to have them removed.
Consumer complaint received 2021-04-11
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. (TN)

Upon checking my XXXX XXXX TransUnion credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to XXXX and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX FXXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. JP Morgan ChaseXXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of XXXX. ''
Consumer complaint received 2020-12-02
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. (GA)

I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Solutions Group, LLC (VA)

Recovery Solutions Group LLC has repeatedly contacted our XXXX XXXX email over a debt the original creditor ( XXXX  ) was well aware of an ongoing dispute over the balance from 2016. The debt of {$2300.00} supposedly owed to XXXX  is a false debt. As this was for an AC unit in which their sales man gave us a discount of that amount. After documents were signed and the AC unit was installed, XXXX claimed the sales agent didn't have the authorization to provide such a discount and that he had been fired. They ( XXXX ) have tried to collect on this amount after they knew very well about what their salesman did. We went back and forth with XXXX  on this issue in 2016. Fast forward to XXXX we received a collection letter from Recovery Solutions Group LLC for the above mentioned amount. 
Recovery Solutions Group LLC has repeatedly violated FDCPA by harassing our business line, and emailed the business email regarding the debt which included harassment of a judgment and tarnished credit. After sending them a Cease & Desist.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I Have banked with Paypal for seven years recently suffered some financial situations Where I lost my wallet and phone and unauthorized charges were made which overdrew my PayPal account and placed limitations Despite having nothing to do with these payments I paid PayPal through the debt collection XXXX to lift the limitations on my account they received said payments and said that they lifted my limitations and that I could continue using PayPal how I always have on top I provided identification and have all necessary Accounts and credentials to verify identity recently received my pandemic unemployment assistance direct deposit to my PayPal they approved said deposit and gave me a balance of XXXX Which Is under my name and further proves authenticity and verifies its self I paid all my dues prove my identity and they said there are no security issues hindering my account but they wont let me buy send or transfer nor withdraw my money saying it is a security issue They have no call centers open due to COVID-19 very Unhelpful and unprofessional customer service and can not give me a specific reason as to why I can not take out my money. They insist on putting holds on any transaction To be sure that there is enough balance to cover knowing well that there is because they are the ones who accepted the direct deposit in the first place I cant pay my bills they do not want to override holds knowing that funds are present and insist on treating me as if I were a criminal Putting limitations where there should be none as I stated I verified identity and paid my dues yet I can not access my account features nor withdraw my money
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-12-02
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)

On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

-attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-12-02
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-09-01
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. (CA)

XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.
Consumer complaint received 2021-04-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My complaint is against Nissan Motor Acceptance Corp. A/C # XXXX. In XX/XX/2020 I co-signed for my son to lease a car. My son lost his job and I just found out he did not make several payments and was two months late. I am fully aware that I am responsible for making the payment if he does not make them, but my complaint is that at no time did Nissan Motor inform me the payment were late. They are claiming they did not have my information but at the very minimum they have my address. There is no way they would allow me to be a co-signer without getting my personal and contact information. At no time during this process have I received an email, a phone call and much less a letter letting me know the payment were not being made. As soon as I found out about the late payment, I called them at XXXX and brought the account current. I also told them I had just found out the account was late and was asking why I had not been notified. They told me they cant control the USPS and most people call to say they have not received the letters they send. The claim they sent two letters. At no time did I receive any letters and I have proof. I am set up with the USPS and every morning at XXXX I get an email with a copy of the envelopes I am receiving that day. I can provide these emails going back several months if necessary and you will see that not one envelope was received from Nissan. I asked the rep who would only give me his first name of XXXX, if he didnt think it was strange if as he says most people claim they dont receive mail from them. I did not receive any mail or notices from them. This has a big impact on me since late payments are reported to the credit agencies which can impact negatively in many aspects. It impacts jobs, interest rates, ability for me to refinance my mortgage, car insurance, just to name a few. Since Nissan did not notify me that the payments were late, they should also not have the authority to report this to the credit agencies such as XXXX, XXXX and XXXX XXXX. As a co-borrower I am obligated to make the payment but if the borrower does not make the payment, Nissan is also obligated to inform me that a payment is due. I have my obligations as a debtor, but Nissan also has an obligation as a lender. I want a letter from them confirming they will not report the late payment since they did not due their due diligence in contacting me. I am sure my conversation with them was recorded. I am asking the CFPB to assist in this complaint since they are so difficult to deal with. I was finally able to get my son to give me a copy of an old statement which I provided.
Consumer complaint received 2020-09-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.