davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The account in question ( XXXX XXXX XXXX ) does not exist on either of my credit reports. And I Never had an agreement or contract with Any company called XXXX. 
No documents were ever sent to me either.
Consumer complaint received 2020-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.
Consumer complaint received 2020-07-23
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. (OH)

I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX ( XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX
Consumer complaint received 2020-07-23
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)

Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..
Consumer complaint received 2020-07-23
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. (GA)

Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..
Consumer complaint received 2020-07-23
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. (CA)

EXPERIAN is the credit bureau that I use to monitor my credit reports and scores. They offer free services and my current membership states that I am entitled to these benefits : Free Experian Credit Report & FICO Score Experian Credit Monitoring FICO Score Tracker Experian FICO Score Monitoring I have not  been able to view or receive these benefits for the past year. I try to call and the phone number listed is an automated-system that is not very helpful. I want to submit a Claim because Experian says these benefits are available to me yet they are not honoring them to me.
Consumer complaint received 2018-06-14
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. (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} XXXX   XXXX orig creditor XXXX
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (WV)

This is in reference to Paypal.com and using paypal credit. I ordered a dress from a very disguised XXXX website ( XXXX ) on XX/XX/XXXX paying {$74.00}, realized my mistake and canceled the order on XX/XX/XXXX, per their website within 24 hours and prior to shipping the product. 

I contacted them on the first time XX/XX/XXXX to request a refund, and XXXX times making the same request since. I filed a dispute with Paypal on XX/XX/XXXX, stating I could not communicate with the seller and I wanted my payment refunded. Paypal gave the seller an opportunity to send me the product ( a dress ) and closed my case on XX/XX/XXXX. The product the seller has sent is a cheap necklace, so I opened a new dispute that the item is not as described on XX/XX/XXXX. 

Paypal has given me 9 days to send this product back to XXXX. I can not ship to XXXX in the middle of a pandemic, they will not communicate with me and are refusing to refund my money when I had clearly shown the product was not as described and is not desired. I've done everything in my power to immediately stop this transaction, and Paypal 's advertisement of buy protection is a false advertisement. Paypals purchase protection is quoted as follows from their website : " When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesnt arrive or is significantly not as described, we will help buyers get a full refund.

To qualify for PayPal Purchase Protection : Use PayPal to complete your payment.

Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute. 
Keep your PayPal account in good standing.

If your transaction qualifies for PayPal Purchase Protection you are covered for the full purchase price plus the original shipping charges. '' This product more than qualifies.1. I tried to cancel the order. 2. I've sent numerous emails to the seller as well as contacted them via their contact us the website. 3. I am willing to ship this invalid product back to anywhere in the U.S. that I can actually ship it to.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

I attended an online webinar at XXXX on Thursday XX/XX/2020 and purchased a digital product XXXX XXXX XXXX  invoice # XXXX using my debit card which has the mastercard logo. and the company ran it as a credit card purchase. Friday I was notified that I lost my job and income due to the pandemic. I immediately contacted the company and was transferred to voicemail and I also sent email through their system requesting cancellation and a refund. I heard nothing friday from them or over the weekend. On Monday the charge posted to my account and I called XXXX XXXX XXXX XXXX XXXX. I then reached out to my bank Pinnacle to see if they could assist me. Within 2 hours of that email I received email from XXXX from XXXX saying I had exceeded my 72hr refund window. I have never accessed any of the material because I want and need a refund. I then submitted a dispute with my bank and have been notified their final determination was against me. 
Why can't the transaction be disputed as a credit card because that is how the company viewed it? If I make online purchases I use XXXX but that wasn't an option in this case and I am in a Chapter XXXX bankruptcy and I don't have a credit card anymore. But I was under the impression that the logo made it a credit card transaction as long as the PIN wasn't used.
Consumer complaint received 2020-07-23
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)

Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of XXXX XXXX ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX  XXXX XXXX and XXXX XXXX.which is been serviced by XXXX XXXX XXXX credit is on my credit report.. which I have no idea or affiliation with these companies..
Consumer complaint received 2020-07-23
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)

Theres an apartment community showing as a collection on my credit report with XXXX  by the name of XXXX XXXX and creditor by the name of XXXX XXXX  which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my transunion report which I have disputed ... I have never lived at any of these apartments ...
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC (CA)

XXXX Mcneil Meyers is a company I have never known of are ever did business with. XXXX Mcneil Meyers has sent untruthful information to all credit bureau as an attempt to destroy my credit score because XXXX Mcneil Meyers has assumed I owe them {$1700.00}. Instead of XXXX Mcneil Meyers trying to go through legal lawyers to investigate to ensure this dept they are assuming I owe is actually true that I owe them or If it's even me or if they even have the right correct person. I have proof that I have personally sent to XXXX Mcneil Meyers that I do not owe XXXX Mcneil Meyers or do I know or have ever done business with XXXX Mcneil Meyers. Still, they have attacked my personal credit life for there own gain. XXXX Mcneil Meyers company or person, do not have any respect for human life at a time in the world like it is today. 
This is a warning to people about XXXX Mcneil Meyers.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

Home Loan 1st and 2nd originated XXXX we paid off the 2nd Loan number XXXX XXXX Chase can not provide the Escrow company evidence that we have paid off the loan. We have not been contacted about this loan and now this old loan is keeping us from getting our new home. 

With this lack of help. I only am told they escalated the scenario. But they won't provide any additional information. 

Chase send us the following e mail -- -- -- -- -- Forwarded message -- -- -- -- - From : Lien Release Customer Research XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX  Subject : Chase Case # XXXX RE : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX via XXXX XXXX Hello, I am writing in response to your recent request about the home mortgage loan referenced above. We have fulfilled your request by completing the following : We can not process a release for the XXXX of Washington. The release will be processed by a 3rd party vendorno ETA. They will have the release processed and sent directly to the county for  recording. This case will remain open and monitored until the issue is resolved. An update will be provided as soon as a copy of the release is received from the vendor. 


Thank you, Lien Release Customer Research ( XXXX ) From : Lien Release Customer Research Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Cc : XXXX XXXX via XXXX XXXX Subject : Re : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX Hello, Customer ( s ) name : XXXX and XXXX XXXX Your closing date has been noted. According to case number XXXX, your request is still being worked on. Please allow more time for resolution. 
If you have any further questions, please contact our Customer Service Department @ XXXX and reference your case number with all inquiries regarding your request. 
Thank you, Lien Release Customer Research Logging
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX I am pay in full with all my mortgage payments from XXXX XXXX to XXXX I have been SAYING and REQUESTING THAT THIS COMPANY have been Submitting a request over the phone from me ALMOST everyday since XXXX XXXX. 

I HAVE ALSO BEEN ASKING for Specialized Loan Servicing cashier department to fix there web page to document all my payment as mortgage payments PAY IN FULL SO IT show that I am current from XXXX XXXX to XXXX. 

And all I get is a run around I been asking to SPEAK to the person who is in charge of the payment department and THEY KEEP TELLING ME THAT DEPARTMENT DON'T TAKE PHONE CALL. 

All they do is put ANOTHER request in FOR ME TO HAVE A SUPERVISOR CALL ME BACK time after time. 

THE person WHO call me BACK can't do anything WHO IS NOT A SUPERVISOR EITHER SHE OR HE CALL BACK, JUST TO tell me they will submit another request in. 

THE CLIENTS FOR THIS MORTGAGE CO.NEED TO GET SOME PEACE OF MIND INSTEAD OF MORE PROBLEMS. 

CAN YOU HELP US.

WHAT WE DON'T NEED TO get is another incompetent, unprofessional BLAH BLAH BLAH OR OUR PHONE CALL GET HUNG UP ON, AND WE HAVE TO CALL BACK AND GO THREW THE SAME OLD INCOMPETENCE AND UNPROFESSIONAL SERVICES ( NO SUPERVISOR FROM THE PAYMENT DEPARTMENT. NO CORRECTION ON OUR MORTGAGE PAYMENT AND ON THE TRANSACTION AND HISTORY. 

IF THE CFPB PUBLISH THIS DESCRIPTION ON THERE WEB PAGE EVERYONE WHO IS AFFECTED IN THIS WAY NEED TO FILE A COMPLAINT WITH THEM.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (MD)

I opened a XXXX  Mastercard by XXXX XXXX  on XX/XX/XXXX.The account was closed by XXXX XXXX in XX/XX/XXXX sinceI started in a debt relief program : XXXX XXXX XXXX  XXXX. I remembered I paid in full my account ; however I received a debt collector letter from Dynamic Recovery Solutions , LLC : XXXX XXXX XXXX, XXXX SC, XXXX. This collection DRS Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card  so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to Dynamic Recovery Solutions , LLC and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XX/XX/XXXX.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (GA)

I moved out of an apartment early along with my partner. There was a fee equal to 2 months rent, this final bill was sent Friday after XXXX XXXX. The following Tuesday the debt was paid in full, on XX/XX/2020. As Monday the XXXX was a federal holiday and the credit union that need to raise my limit was closed. 

On XX/XX/2020 I started to receive odd calls on my cell from XXXX one at XXXX XXXX, one at XXXX XXXX  and one at XXXX XXXX. Two additional calls were place at XXXX XXXX  on the XXXX. At approximately XXXX XXXX I received a call from " IQ Data International '' on my work phone which is not public from XXXX. The caller did not identify themselves and said they were calling in regards to an old debt from the XXXX XXXX XXXX. I stated the debt was paid in full but they could provide a debt verification letter if they wanted to place it was not. I stated it was my right to have them prove the debt and the caller stated it was not and that I clearly had debt since they were calling me at work. Caller refused to provide a debt verification letter. I confirmed the amount paid and said I would email confirmation when they hung up on me. I called the XXXX XXXX XXXX  within 5 minutes and they said they would resolve the issue. 

The apartment manager emailed these addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX And stated the account was paid in full and attached a statement. My partner was CCed on the email but I was not. 

My partner received numerous other spam calls from a XXXX area code which the debt collected ID as them. 

My XXXX  profile was also view by a " XXXX XXXX '' whom is listed as a senior rep at IQ data. 

No letter has been sent in the mail from them and I can show as such, as I have USPS informed delivery.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (CA)

On XX/XX/2020 I missed an auto payment due to XXXX check comming in late. XX/XX/2020 they emailed stating a repayment would happen XX/XX/2020. 

On XX/XX/2020 when funds became availble I made the payment for XXXX via their online services. Their system stated specifically that my next payment would be XX/XX/2020. 

XX/XX/2020 they took they payment out of my account causing an over draft, I caught it that day, called them up and asked what was going on since the payment was done. They processed a refund minus the {$15.00} ACH return fee. While processing a complaint for the overdraft fees the accrued. 

XXXX XXXX I recieved an over draft fee {$35.00}, XX/XX/2020 I recieved a continued overdraft fee of {$30.00}. I called on XX/XX/XXXX and they stated they were just processing the refund that day And i amended the supplemental complaint to include the additional {$30.00} fee. XX/XX/2020 i recieved the refund. 

XX/XX/2020 I recieved an email stating they were denying coverage of the bank fees becuase there were not assessed by Upstart. So I sent them proof of the fees and that there mistake was the sole cause of them by a account summary covering the days in question. Along with the statement that their system informed me on XX/XX/XXXX, that the next payment would be XX/XX/XXXX th. 

They are sticking to the fact their original email on XX/XX/XXXX superceded the information provided to me on XX/XX/XXXX. Had there system stated the original XX/XX/2020 payment was still in effect this whole situation could have been avoided.
Consumer complaint received 2021-01-26
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. (CA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

I was checking my credit report and there was information from a collection agency Credit Collection Services for XXXX XXXX. I did not receive a bill from neither the collection agencies or XXXX XXXX. I have two insurances and supplemental insurance XXXX pay through my job, so there was no reason for the company not to be paid. I was not given an opportunity to pay or dispute the information. The collection agency provided the same information three times to the credit reporting agency The amounts are {$100.00} and {$140.00}. 

I want this information removed immediately. This is causing serious hardship for me and is interfering with me obtaining credit and job.
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: EQUIFAX, INC. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX