davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Mercedes Benz Financial Services (CA)

I would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to MB Financial Services ATTN : XXXX XXXX XXXX, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an Mercedes consumer. 

Ive submitted disputes with the bureaus as told by MB Financial and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a MB Financial customer service representative. Look back at my calls, notes from XX/XX/XXXX/XX/XX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day.

This what I submitted to MB Financial.
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. (NJ)

I reported identity theft due to a collection on my reports previously and it was removed from XXXX  and Equifax, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reported identity theft due to a collection on my reports previously and it was removed from Transition and XXXX, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NJ)

A customer tried to send the sum of {$2200.00} on XX/XX/XXXX to my PayPal business account and was 100 % sure there were no exorbitant fees involved. Eventually, I got charged {$65.00} and the money has been put on hold until XX/XX/2020 for no reason whatsoever. 

PayPal literally has no customer service. Whenever you call their number XXXX XXXX XXXX XXXX XXXX, they don't connect you with an agent. You can't even send them an email. This is just wrong in every way possible.
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: Experian Information Solutions Inc. (CA)

In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I have been in a mortgage forbearance since it was offered in XXXX due to the pandemic. With available extensions the forbearance will conclude at the end of XXXX. I have been in communication with the servicer of the loan Nationstar Mortgage LLC, d/b/a Mr. Cooper as to how to proceed now that the forbearance will be ending. Initially the discussion was for a loan modification, however that appears to be a high bar to get over, therefore I requested the modification request be canceled in favor of a workout plan which would incorporate a deferral of a portion of the arrears to the back-end of the note. 

Since Mr. Cooper does not have the authority to act on its own, the lender, XXXX XXXX would need to approve of the workout plan and deferral. XXXX XXXX has the reputation of not working positively with borrowers, thus when Mr. Cooper listed the resource of the CFPB on the monthly statement, I called and the CFPB representative advised on filing a complaint as a precaution and preemptive action. 

I am prepared to remit the higher monthly amount Mr. Cooper calculated at, {$1300.00} ( PITI ), verses the amount pre-pandemic of, {$1200.00}. The current principal balance is {$89000.00} at an interest rate of 4.875 %. There is a negative escrow balance of {$8200.00} as of my XX/XX/XXXX statement which is a result of RE taxes and insurance. 

I want to be assured that the workout will be approved, whereas the escrow arrears will either be on the back-end or as Mr. Cooper indicated can be retired over a 6 month period. The total amount to bring the loan current is {$23000.00} which includes the negative escrow. 

I don't believe that when the federal government had intervened to protect homeowners to have payments paused without interest or penalty but allow for a land grab by lenders at a later date if the full arrears at the conclusion of the forbearance where demanded is not made in one all inclusive payment or they would foreclose. 

The loan has 34 years and 6 months to go. Loan number ; XXXX, property address XXXX XXXX XXXXXXXX XXXX  NJ XXXX, which is my primary residence.The phone number for the Mr. Cooper XXXX XXXX XXXX. is ; XXXX. They use several addresses however I believe their main address is XXXX XXXX XXXX XXXX, TX XXXX. 

My contact information is : XXXX XXXX XXXX - Cell ( XXXX ) XXXX email : XXXX address previously noted above.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (TX)

The following unauthorize in excessive inquiries were made on my credit report. 
XXXX XXXX XXXX XXXX XXXX MD XXXX Phone XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020
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)

In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.
Consumer complaint received 2019-03-09
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)

I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been trying to get Equifax to fix my account with them direct for 2 years. I Tried again today XXXX, the agents tried with 3 different email address and could not fix the issue.

I change 3 different browser at there request, it did not work. 

THEN THE AGENT ASK ME WHY DO I WANT MY CREDIT REPORT? 

are you kidding me! what are they reporting on my credit report? 

my complaint is please fix my account so I'm able to get a credit report directly from Equifax like the rest of America.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (CA)

I have had no late payments for any of my credit cards, for this US bank card, zero late payments, yes my balance drastically went up in XXXX because of COVID-19, but still never a late payment. When I did get the extra money, I paid it completely off in late XX/XX/XXXX, {$6000.00}. When I used it in XX/XX/XXXX for work, a big purchase, it was declined. Finally got on the phone to speak to them, and they lowered my limit from {$6000.00} to {$700.00}! And that i was over my credit limit. This has greatly affected my credit utilization from 66 % to 97 % and even though I have excellent payment history, I now have horrible credit! I would completely understand if someone were a deadbeat and not paying bill on time regularly and you penalize them with a rate increase and decreased credit limit ... but this is crazy. Lowering credit limit based on other reporting credit score that doesn't take into consideration issuer credit history is not fair.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I received unemployment from the state of Illinois due to losing my job during the COVID Epidemic. After received my back pay from the unemployment office, Chime suspended my account. Ive had Chime for 3 years and couldnt understand why they would do that. When I called, I was given no explanation. I spoke to 3 customer service reps, 3 supervisors, and 1 member dispute agent. I submitted proof of my identity and proof from the unemployment office that I was entitled to the benefits deposited. My account is still suspended. This is just very frustrating because lots of people had to fight for their benefits
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nevada Credico, Inc. (NV)

Been called at least 5-6 times for the past 2-3 week before and after work. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Voicemails : XXXX XXXX/XXXX/XXXX I spoke with a representative called " XXXX '' for XXXX XXXX XXXX XXXX  XXXX and I asked him about his company name , address or business license, he was n't able to provide any information and said I was going to be taken off the list, and they were looking for XXXX instead. 

It 's fraud and a scam. Please be aware of this number.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So after months of trying to negotiate with Bank of America they finally sent me another letter saying that my claim has been denied. I asked what was going on my account in XXXX and they said my account was frozen due to suspected fraud and that I could unfreeze it in two weeks once unemployment department opens up again. So I waited two weeks and I verify who I am with the state and they unfroze my account after I proved there was no fraud. Shortly after my account got unfrozen they deducted around {$2700.00} from my account putting me into the negative. After several attempts hours upon hours of waiting on hold the claims department representative stated that they automatically reject any disputes done on my account because of it being frozen due to suspected fraud. Im sorry but what In the world is going on with this bank, this is my second consumerfiance complaint. The first complaint the lady did call me saying the error would be corrected within 30 days and Id have my money by then. Its now XXXX I havent received any of my funds back and they mailed me a letter saying that I basically lost the dispute and that their original investigation which was an error they stated previously have been found correct and that I wont be getting any of my money back. So far theyve stolen over {$900.00} from me and left me in the negative balance on a prepaid card. Getting ready to organize a class action lawsuit against victims of this dispute/frozen account errors that theyve made. Lost my home and car cause of them.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/2019 XX/XX/XXXX XX/XX/2019
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: EQUIFAX, INC. (GA)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged intoXX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Consumer complaint received 2023-04-01
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: Resurgent Capital Services L.P. (NJ)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XXXX I, XXXX XXXX  Federally protected Consumer and Natural person extended credit to LVNV FUNDING LLC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent LVNV FUNDING LLC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. LVNV FUNDING LLC is now civilly and criminally liable for violating my consumer rights. LVNV FUNDING LLC union has yet to resolve this matter.
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I am writing to you with a matter of extreme urgency regarding fraudulent items that have appeared on my accounts with your company. It is imperative that immediate action be taken to rectify this situation, as the presence of these unauthorized charges poses a severe threat to my financial security and well-being. 

The consequences of these fraudulent activities are dire and extend far beyond financial losses. They have compromised my trust in your company 's ability to safeguard my personal information and protect against fraudulent transactions. Additionally, the prolonged presence of these unauthorized charges is disrupting my ability to manage my finances effectively and is eroding my confidence in your company 's commitment to customer satisfaction. 

Given the gravity of this situation, I am urgently requesting the following actions be taken : Immediate removal of all fraudulent items and unauthorized charges from my accounts.

Thorough investigation into the origin and nature of these fraudulent transactions to prevent recurrence and identify potential security vulnerabilities.

Provision of compensation for any financial losses incurred as a result of these fraudulent activities, including reimbursement for fees and penalties.

Assurance that robust security measures will be implemented to safeguard my accounts and prevent future incidents of fraud.

Regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 
I can not overstate the urgency of this request. Every moment that these fraudulent items remain on my accounts increases the risk of further financial harm and undermines my trust in your company. Therefore, I implore you to prioritize this matter and take immediate action to address it. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-04-11
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: LEXISNEXIS (MS)

Lexius nexius reporting incorrect birthdate, phone numbers, addresses, and employment to XXXX  and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and XXXX  refuse to correct incorrect information on my credit report.
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 have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I filed an original complaint. The company did acknowledge one of two unauthorized charges and refunded me {$850.00}. I filed another complaint ( XXXX ) regarding the company 's refusal to acknowledge and reimburse me for the second unauthorized charge of {$230.00}. 

The response to my second complaint only acknowledges them refunding me the {$850.00} and not the {$230.00}. They are totally ignoring my second unauthorized charge. 

My previous complaint read I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XX/XX/XXXX in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XX/XX/XXXX transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.