davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have not received my EDD card with my money paid out to me on it but from the looks of it someone has used all of my money I was depending on to pay my over due bills to make sure I don't get evicted
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MN)

PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

Sometime on or around XX/XX/2021 my PayPal account was permanently restricted. Prior to this date, I had a transaction on XX/XX/2021 using my underlying credit card through PayPal Key for {$660.00} transaction ID : XXXX Because my PayPal account was limited, I am unable to receive a refund for this flight from the merchant. This was a personal flight booked in my own name that the airline js refunding me for. However, that can not happen.
Consumer complaint received 2023-04-04
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: Early Warning Services, LLC (OH)

I contacted Early Warning Services on XXXX XXXX regarding information reporting on my consumer report due to identity theft. I was denied relationships with financial institutions and currently have one account frozen due to derogatory information reporting on my account resulting from me being a victim of identity theft. I disputed this information followed with a police report requesting that the information be blocked. I also filed a separate dispute with the CFPB ( Reference # XXXX ) clearly stating the account number to the account that needed to be blocked ( XXXX XXXX XXXX XXXX XXXX ). I had been harassed by a debt collection agency named XXXX so I specifically listed the account at XXXX that needed to be blocked as there is an ongoing investigation! Early Warning Services sent a letter stating they received my dispute and had placed a block on the XXXX account due to identity theft. They didnt reference back to the XXXX account that I listed on my dispute CFPB complaint. Instead Early warning services blocked one account that list checking account fraud but not all of them! I recently tried to open a bank account and was denied again due to Early Warning Services not being fair in their practices! Also Early Warning Services is reporting several accounts from XXXX bank with different status reasons. The accounts are listed below : XXXX XXXX Account # XXXX Closed Purged XXXX account # XXXX it doesnt state what type of account this is but status lists Closed-purged XXXX account # XXXX XXXX for cause-purged This inaccurate information is critically damaging my future relationships with banking institutions and needs to be removed immediately. I owe XXXX no debt and any outstanding balances has been satisfied per my EWS consumer report.
Consumer complaint received 2020-12-10
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. (TX)

I filed a Chapter XXXX bankruptcy petition in XX/XX/2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

The company I am filing the complaint about ( LOANCARE ) was the initial servicer of my newly refinanced mortgage. Prior to the due date of the first mortgage payment I received notice of a change to my servicer along with a request from the new servicer to make payments to them instead of LOANCARE. I contacted the new servicer by phone and received confirmation, so from the start ( approximately XX/XX/2020 ) my mortgage payments have gone to the new servicer. The problem is that LOANCARE continues to bill me on a monthly basis for the mortgage, and even though I have contacted by phone multiple time and by writing one time, they continue to bill me. Today I was notified that LOANCARE has placed a delinquency report with XXXX, so now my credit rating has been damaged.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Bureau LLC (KY)

Contacted by phone from " Franklin Associates '' regarding a settled debt. 
Despite providing No proof of debt ownership, threatened arbitration if I didn't pay XXXX USD Franklin & Associates Processing Department XXXX XXXX XXXX Demanded I pay. So I did onXX/XX/XXXX ... 
Now they are extorting me a second time by attempting to charge me a second time onXX/XX/XXXX The website XXXX has been under construction for at least that long, now. 

I believe I was scammed once and they are attempting to scam me again.
Consumer complaint received 2021-04-09
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. (UT)

Experian is reporting an bankruptcy on my credit file that must be removed. I recently checked my credit and noticed that Experian is reporting a bankruptcy on my credit file from 8 years ago. XXXX & XXXX  have removed it because it is past the credit reporting limit but Experian continues to report this item and it is a violation. This bankruptcy must be removed from my credit file as it past the credit reporting limit.
Consumer complaint received 2020-12-10
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Consumer complaint received 2020-12-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC ()

To Rushhmore Loan Management Services we dont owed any mortgage payment. They bought the loan mortgage from XXXX XXXX XXXX and XXXX XXXX XXXX  said there is outstanding balance of {$5500.00}. 

XXXX XXXX XXXX claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XXXX XXXX. FYI and record too 4 times said documents were faxed via fedex fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/2020. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from XXXX XXXX XXXX. 

Please see my previous complaint and reference number are XXXX XXXX XXXX and for Rushhmore Loan Management Services XXXX
Consumer complaint received 2020-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I refinanced my mortgage with another lender and closed on XX/XX/2020. The loan with PennyMac Loan Services was paid off on XX/XX/2020. Since XX/XX/XXXX, I have received various letters and correspondence in the mail from PennyMac. However, I have yet to receive my escrow refund. According to their portal, the refund was issued on XX/XX/2020. On XX/XX/2020, I called PennyMac to confirm the refund was in fact sent on XX/XX/XXXX. I spoke with a lady in the escrow department and she confirmed the XX/XX/XXXX date. 

On XX/XX/2020 an escrow analysis dated XX/XX/2020 was made available to me in their portal. On XX/XX/2020, I called PennyMac to inform them that I still hadn't received my escrow refund. I was told I needed to wait fourteen ( 14 ) days. This is upsetting to me because it does not take the mail that long to travel from XXXX XXXX to XXXX. In fact, mail takes about 5 days to go from XXXX to XXXX so why would it take 14 days from XXXX  to XXXX? I also take issue with why in XX/XX/XXXX the amount couldn't have simply been processed as an ACH and deposited directly into my bank account. I believe it is unreasonable to expect me to wait until XX/XX/XXXX for my escrow refund. If it doesn't turn up by that date then I have to go through a stop payment process, wait for the payment to be reissued and I guess allow an additional 14 days to receive the check? Surely a more customer focused remedy can be employed.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

CBNA is reporting erroneous lates on my credit file. They are reporting lates for the XX/XX/20, XX/XX/20, XX/XX/20. When I opened this card I was told there was some fees which was completely fine but i didnt know that they would charge me right away. If i were aware of these charges i would have paid them to avoid the late notations on this card. If you look at my file you can see that i never even used this card or added a balance other than your fees. I never received any letters, calls, or notices about the charges or the late payments until i pulled my credit and saw this account was delinquent. I called and paid it immediately and called to see where the balance came from and that's when i was advised it was the service fee that i was told i would not be charged right away! I need these lates if not the WHOLE account removed from my credit file. I keep all my accounts in good standing and this account has ruined my credit. I need it removed ASAP
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

The following items were listed on my credit report and they do not belong to me : XXXX account number # 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 2020-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020 around XXXX, I received a text alert from XXXX that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from Wells Fargo in XXXX XXXX FL XXXX I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from Wells Fargo ) posted to my account with the following memos : Signature purchase from XXXX WELLS FARGO C/A # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute with my bank and called Wells Fargo Fraud number on XX/XX/XXXX. The CS at Wells Fargo told me that because I was not their banks customer to contact me own bank for this dispute. And that was that with Wells Fargo. They took my money and now Im suffering undue hardship. The claim ( # XXXX XXXX for this fraudulent transaction at a Wells Fargo in XXXX on XX/XX/XXXX has left me devastated. I was told the investigation with Wells Fargo could take up to 10 days XXXX XX/XX/XXXX. ) I am a XXXX veteran that suffered from XXXX  XXXX and XXXX XXXX XXXX and the fact that all but {$120.00} from my entire VA direct deposit for my XXXX check is gone has been completely devastated! I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe this is an inside job with an employee of XXXX and an employee of Wells Fargo.I also believe I aint the only one that got ROBBED from this type of fraud by these two businesses.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history
Consumer complaint received 2021-06-04
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. (MI)

On XX/XX/XXXX my home was foreclosed on by XXXX XXXX XXXX. This company has been reporting that I am past due on my mortgage instead of reporting that it was foreclosed on in XXXX. I contacted the company to resolve the issue and I was told to file a dispute with the credit reporting agencies. So I filed a dispute with Experian on XX/XX/XXXX, but I was told I need to contact XXXX XXXX  to have them send in the correct information. So again I contacted XXXX XXXX  and asked them to submit the correct information but I was told it's the responsibility of Experian. 

I am embarrassed that my home was foreclosed on even tho it was due to me being ill and in the hospital for almost a year and therefore my pay was deducted by half which resulted in me defaulting my mortgage loan and losing my home. However I'm trying my best to move forward but I can't with XXXX  XXXX refusing to report the correct information. 

I filed a complaint with XXXX XXXX XXXX and I'm still waiting for them to comply with the simple request to correct what they are reporting.
Consumer complaint received 2020-12-10
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)

XXXX XXXX XXXX XXXX is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to Experian to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.
Consumer complaint received 2020-11-04
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. (MS)

The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-04
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: SYNCHRONY FINANCIAL (CT)

In accordance with the fair credit reporting creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-17
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. (NV)

I have a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXX data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.
Consumer complaint received 2020-12-10
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: MONEY SOURCE, INC., THE (CA)

I have informed the company that they are calling the wrong number ; more than 10 times. This is my work number XXXX. I am not associated with the debt or the Money Source. Again this is my work number I am a XXXX XXXX for XXXX XXXX county I have XXXX  call this number. They are disrupting my work and impeding my ability to provide services. Phone will not stop ringing they call non stop ; today XX/XX/XXXX they called 5 times back to back.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

XXXX Credit Report Changes Addresses added to Equifax Identity theft XXXX XXXX XXXX/ Do not use Equifax Equifax needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased a XXXX  XXXX in XXXX in XX/XX/2020 and moved to XXXX about a month later. According to the lease document from XXXX XXXXXXXX XXXX XXXXXXXX, in XXXXXXXX XXXX, I was to pay a total of {$750.00} Ohio sales tax for the life of the three-year lease which was divided up into 36 payments of approximately {$20.00} that were included in my initial monthly payments of {$310.00}. 

When I moved to XXXX in XXXX, Hyundai Motor Finance tacked on an additional {$22.00} in XXXX sales tax. So now my total monthly payment is XXXX and I am paying sales tax twice on the same vehicle. 

I have tried every outlet. Hyundai Motor Finance refuses to deal with this matter and referred me to the State of XXXX and State of XXXX sales tax departments. I contacted both agencies to resolve this matter and was denied by the State of XXXX saying the vehicle was leased there and thus its their right the money, whereas the State of XXXX, after giving me the runaround for several months, eventually denied me also, giving no clear reason for their refusal. So I am up a creek without a paddle and have been paying sales tax twice on the same vehicle for 10 months and counting. 

No one seems to want to help with this matter which everyone agrees is wrong so I am contacting you.
Consumer complaint received 2017-12-12
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. (KY)

Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX XXXX needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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