davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (NJ)

I have been unable to obtain my credit report from Experian after 6 requests, supplying the complete identity documentation required. I have sent letters with all the required information five times to Experian by mail ( letters dated XXXX, XXXX, XXXX, XXXX, and XXXX ) ; Each time i have received the same form letter back stating that they either do not have record of my credit file or I have not provided the required documentation- which i have done each time. 

The last request via the phone was on XXXX, with the Dispute/mixed records department XXXX who acknowledged that Experian had received my prior requests with the required documentation- and they can not locate my file. They said they would conduct an investigation and fix the mixed file issue that exists, and then send me my credit report. Instead, i received the SAME form letter as above, dated XXXX, with no other specific informationm WITHOUT my credit report. 

I have been requesting my credit report since XXXX through today, a total of SIX times, without receiving it. I am unable to obtain any credit due to this issue.
Consumer complaint received 2021-09-01
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. (FL)

I disputed this account with Equifax. I have no idea what this is on my report nor is it showing and original creditor or collection agency to validate the debt with. 
Per FCRA rights this information must be reported in order to validate the Debt. 
With that being said this is misleading false reporting and it should be deleted immediately. 

The account number in question is showing as : XXXX. 

Below i have attached proof.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sessoms & Rogers, P.A. (NC)

I XXXX XXXX had a XXXX credit card and I fell back in 2016 and broke my ankle and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

My son is experiencing theft of wages, has been unable to eat on his breaks at work and attend school extracurricular activities due to the bank having his funds illegally garnished. This is causing severe XXXX to him and despite myself and the creditor sending the financial institution the letter of disposition releasing the garnish that never should've been taken in the first place per XXXX state law, we still don't have funds in my son or my account. The banks negligence has escalated and continues to be a problem in this situation. I'm in contact with the attorney general and also will be filing with the XXXX this afternoon. I've asked nicely too many times this is causing XXXX to my son!!!
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (IL)

During my XXXX I had several XXXX  like any woman would. At the time I was covered by an insurance plan through my mothers employer and also state insurance. One of my XXXX  had a copay while non of the others did and while in contact with the insurance company they never resolved it. I get calls several times a week all from a different number but the voicemail is always from XXXX from americollect. Early in the morning or late at night it dont matter. Knowing I dont have the money to give them doesnt matter they keep calling.
Consumer complaint received 2019-05-21
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. (AZ)

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion via phone on XX/XX/19,XX/XX/19,XX/XX/19 and sent a letter via certified mail on XX/XX/19 regarding the inaccuracies that are being reported on my credit report. I have been a victim of identity theft and the information that is being reported is not accurate. I am upset that the information that is being reported inaccurately has not been removed.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

Navient is working my case I am been playing my loans from long time. Couples of years ago they discounted my taxes return to pay my loans and til now I am continue paying the same amount. The only thing that I want is a full investigation. 
Thank you {$30000.00} and I never took a long like that
Consumer complaint received 2022-09-11
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. (FL)

To whom it may concern, I, XXXX XXXX, made an uninformed decision on when I entered into the consumer credit transaction for this credit card on XX/XX/XXXX. There was no evidence of indebtedness, The only evidence of indebtedness was the agreement, however due to the uninformed decision the agreement is null and void Pursuant to 15 U.S. Code 1601. The terms of the agreement were not clear and conspicuous and the account has been charged off since XX/XX/XXXX. I have previously disputed this account and due to the inaccuracy it has been promptly removed from XXXX and XXXX. It is now adversely affecting my Experian credit score.
Consumer complaint received 2019-05-21
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. (AZ)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (TX)

US Bank was the title holder on my car, which was included in my bankruptcy in XX/XX/XXXX. The bankruptcy was successfully discharged in XX/XX/XXXX. I received notification from my attorney in XX/XX/XXXX that there would be a final hearing on XX/XX/XXXX to complete the bankruptcy. I was called by the attorney 's assistant and told that it was complete. They would send me paperwork and fax a copy to US Bank to release the title. 
I called US Bank starting in XX/XX/XXXX asking about the title. I was told they did not get any paperwork from the attorney 's office. I waited 30 days then called again. I was told it was in " processing ''. that it would be 7-10 business days before I received it. 
Same story every month. XX/XX/XXXX I called again. Different person. Said she would send the request to the processing people. I called back XX/XX/XXXX. The processing people said they did not receive that request ; call back in a week. I did. I was told at that time that the title lien was released to the county where I lived before I moved to XXXX XXXX TX. on XX/XX/XXXX. I called XXXX XXXX County and they said they had received it and I could apply for it over the phone with them that day. I finally got the title 10 days later. I am appalled that the US Bank personnel could not look in their records after one of my phone calls and tell me that the title had been released. And why to the County? Why not to me?

Their business practices leave a lot to be desired, and their phone message that the call may be recorded for training purposes is a hoot! Who are they training? Certainly not the people who call themselves customer service representatives!
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (AZ)

I had a XXXX charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm Gurstel Law Firm P.C. formerly known as Gurstel Chargo P.A. filed and garnished my paycheck. Case XXXX Gurstel file number XXXX   filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from XXXX with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. Gurstel law firm is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

PayPal has assisted a scammer in taking my money. This is the short version of my situation. 

The full version is this : I wanted to make a XXXX time donation to an XXXX that I met on social media. They were struggling with paying bills and I wanted to assist. In trying to contact them and get their PayPal information so I could send the money, a scammer account made a XXXX account almost completely identical to the XXXX and replied with a fake email used to scam people. Because I did not realize that this was not in fact a message from the actual XXXX, I sent the money to the scam account. 

Within an hour I realized the mistake that I'd made and immediately filed a dispute with PayPal in order to hold and cancel the payment, but they refused to act. Instead they told me to wait at least a MONTH in order for them to review the situation. I provided evidence of the scammer account and explained the situation to them, but they did not help. Instead I received an email today saying that they cleared the payment to the scammer. They have effectively assisted them in robbing me. 

I have attached the same images that I sent to PayPal in order to explain the scam. The first image is the user account of the person I wanted to help, and the second and third images are the scam message + scam account used to impersonate the XXXX and steal the donation.
Consumer complaint received 2020-10-12
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: FIRST ADVANTAGE CORPORATION (GA)

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 and XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. 
I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

I made a mortgage payment on XX/XX/XXXX for {$680.00}. I receive an email stating my account was short XXXX. I want and put XXXX in my account on the same day I received the email to cover the mortgage and the company. On XX/XX/XXXX I received another email stating that the mortgage payment reversal for {$680.00}. and I was charge {$35.00} when the amount was in my account to cover the payment.
Consumer complaint received 2020-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

I was laid off for 2.5 months due to covid. My husband 's hours were reduced. When I first got laid off I heard there may be help from mortgage companies. I called my mortgage company ( Carrington ) & they seemed very sympathetic, helpful, & told me I could go into forbearance for 3 months. I was told during forbearance I could make payments or partial payments if I wanted/could. I also received a letter letting me know I would be in forbearance. The letter told me my payments were not being forgiven, which I didn't believe they were. I simply thought they were being added to the end of the loan or postponed for this time during the pandemic. I called yesterday to make a payment as it has been 3 months & I am back to work. I was told that loan forbearance had been automatically extended until XX/XX/2020. When I said we didn't need forbearance any longer as we were both back to work, I was told if I removed forebearance, all the missed payments would be due today & if I could not pay it all, then it would be reported to credit agencies & my loan would be considered delinquent. I was shocked. I asked how in the world forbearance was ever considered a helpful thing to do, if it meant a giant payment would be due in the end. There is no point to it. I was told, I was informed of everything in the letter I received. When I hung up the phone I looked at the forbearance letter & NO WHERE does it say at the end of forebearance all postponed payments are due. If I had understood this was what they were planning to do I would NEVER have agreed to a forbearance. I called again to let Carrington know that my letter does not say all payments are due in full at the end of forbearance. I again asked how forbearance was helpful. The 2nd person I talked to stated that " everyone '' thought payments were going to be added to the end of the loan. That I was not the only one. He told me to try to catch up between now & XXXX, but if I couldn't there would probably be some options available in XXXX to help people who are behind. I feel that Carrington misled me about the details of forebearance thus putting me in a situation where I am " behind '' on mortgage payments. I want to report them for false information & if they received any government bailout money to help people during this crisis, they are absolutely helping NO ONE! I already had a dislike for this company. My loan was with XXXX XXXX, but was sold to Carrington just a few months before the Covid crisis. Carrington 's website is difficult to navigate & they charge you fees to make online payments or phone payments.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive reached out to TransUnion on numerous occasions in regards to two unauthorized inquiries that have not been removed. The two inquiries are XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX As a result I am requesting for these two unauthorized inquiries to be removed from my consumer report. This should NOT be reporting as I, XXXX XXXX, did not submit any applications to neither of these lenders for a line of credit or any banking services.
Consumer complaint received 2023-02-07
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 pulled my Experian credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I refinanced my home in XX/XX/XXXX to a lower interest rate. Several weeks before closing, as instructed by my new mortgage company, I contacted the old loan company " Specialized Loan Servicing '' and instructed them not to pay my real estate taxes as the new company would be paying them for me during closing. They said they noted my account and this would not be an issue. They still ended up paying my real estate taxes to the county tax collector. This created a duplicate payment of {$1800.00} that was sent to the local tax collector ( XXXX XXXX XXXX. 

I have been following up with Specialized Loan Servicing on this issue since XXXX and been told may different stories. The main story is that they still haven't received the refund check from the local tax collector XXXX XXXX XXXX Tax Collectors Office ). I called on XX/XX/XXXX and spoke with a supervisor at the Tax Collectors office that looked everything up and verified that the refund check was sent and the check has cleared their bank. The supervisor provided me with the following information : Check # XXXX, XXXX {$1800.00}, Cleared on XX/XX/XXXX. 

I have made over 20 calls to Specialized Loan Servicing regarding the funds that belong to me in the amount of {$1800.00} and still have no ETA on when I will receive my money back. The company needs to go back and listed to the multiple " recorded calls '' I have made to their company.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (IN)

The ATM At Huntington Bank Destroyed My Check I Made A Claim They Said Wait 10 BUSINESS days I Waited They Said They Couldnt Find The Check So They Couldnt Credit Me But in my complain i clearly stated the atm jammed or something it was malfunctioning it was makin nosies I canceled the transaction it didnt even release my card I had to yank it out the atm my self and had to order a new card and everything I stated the port to the check opened but never released the check I tried to pull it out and it was ripped and destroyed.
Consumer complaint received 2021-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

This debt is not mine. I have had this debt show up previously from XXXX with another collections company in which I disputed the debt and was it was removed and never validated. Now it has been sold to another collections company and the debt is not mine and has not been validated at request. Please remove debt or send proof of validation.