davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On the XXXX of XX/XX/2022, my PayPal account was permanently restricted. The reason listed was a change in business model or your business model was considered risky. I have not done anything to my account that would justify this. After some research I discovered this phenomenon is caused when PayPal is opened with a XXXX active. Due to my personal security, I keep a XXXX on my phone, and made the mistake of not turning it off before opening PayPal, which likely flagged my account.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Adela, Inc (MS)

On XX/XX/2021, I received two back to back calls while I was at work. Since the number was a local one I answered but was having trouble understanding the lady on the other end so I told them I would end the call and step outside to return the call. 
When I returned the call I gave my full name to a woman named XXXX who answered. She told me she would transfer me to the correct department and then the phone was answered by a woman who identified herself as XXXX. I again told her my first and last name and that I was returning a phone call and asked what the call was regarding. She told me she couldn't tell me what the call was concerning until I confirmed my social security number with her. I responded that as they had contacted me and had not even told me what company they were and that I was not going to give out my private information to someone over the phone. She told me that she didn't have to identify her company or the reason that she was calling until I gave her my social security number. 
I even asked if this was for a debt collection or something similar and she told me she wasn't going to give me any information because the law prevented her from doing so. 
I told her I would just end the call and block the number to which she replied that if I did she would put a note on my credit file which would cause my credit score to fall. 

I ended the call and called back to speak with someone else. Again XXXX answered the phone. I once again gave her my full name and told her the situation that had just happened. She told me that again they could not give out any information without my social security number. I asked her to identify what type of business she worked for and she told me they " do many things. '' I asked if there was a supervisor I could speak with about the illegal comments that were made to me by XXXX and was told that the only person above her was the owner who did not have time to deal with me. When I mentioned that I believed that the company was acting in a illegal manner by making threats and that I would be reaching out to consumer protection agency about this incident, XXXX suddenly switched from antagonistic to pleasant and told me that she would be happy to set up a call back with the owner who previously did not have time to deal with me. 
I ended the call. 
A few minutes later I did call back to verify the information of who I spoke with, the company name and address, and the owners name. 
The info provided to me was : Adela XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX Owner 's name : XXXX XXXX Never once did either agent on the phone identify themselves as a debt collector even when directly asked. They were evasive of my questions and kept asking for my social security number.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

We are in the process of refinancing our home with Freedom Mortgage. 
We started the process back on XX/XX/XXXX. At that time our estimated close date was the XXXX of XXXX. I have had to reach out each time to communicate and ask for an update on the status of our loan. 
We have provided all documents that the company has reached out about in an extremely timely manner, same day or very next day, so clearly we arent holding anything up. 

After reached out to one of the customer service reps, XXXX, at the beginning of XXXX, since we had heard nothing and we should be closing, we were told that they had everything and the close date was pushed back to the XXXX of XXXX, not a problem. 
We then received phones called on the XXXX, XXXX and XXXX of XXXX stating that they had everything they needed but were waiting on a third party, XXXX, for subordination, fine. 
We then received a doc u sign email on the XXXX of XXXX stating that we needed to provide more document, weird since the last 3 weeks we got calls about how they had everything. 
So at that point I called our original rep, XXXX, to ask what these were about, since they came from his email. 
I spoke with XXXX who had no idea why we would have gotten that. He did let me know that they needed updated info since it was taking so long. 
One of the question they had for my husband was about his parents address, somehow the underwriters need an explanation for it, but ever had a question about it in the beginning when they pulled his credit. 
After providing everything, even things that XXXX missed on the email, by XXXX the following morning, we still had no update. 
I had also asked XXXX the following evening to have a supervisor call, no one did. 
I then asked XXXX to have his supervisor call me, this was on the XXXX, which also never happened. 
I ended up reaching out to XXXX the morning of the XXXX and asked to speak with his supervisor, in which he transferred me to XXXX XXXX. 
I spoke with XXXX and expressed my concerns about the process of the refinance and how frustrated I was with the extreme lack of communication. 
He stated that he would look over our file And figure out what was going on and either call or email that day with the Status, which never happened. 

I called and left two messages on Thursday, XX/XX/XXXX, and still have not heard back from anyone. 

This is extremely irritating and frustrating. 
I would NEVER recommend this company to anyone.
Consumer complaint received 2022-03-29
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: Portfolio America Asset Management, LLC (TX)

I have suddenly started receiving collection calls from PORTFOLIO RECOVERY A Since this is new to me I checked my credit report, I have the app on my phone and check it nearly everyday. I have seen nothing on any of my reports until this happened. They call several times a day, even on Sunday and from numerous cities and states. 
Upon checking the 3 credit unions I discovered it was added to all three on or about XX/XX/2021 yet they have been calling non stop for about a month now. 
The only information I have is what is on the report XXXX AMOUNT XXXX DATE OPENED XX/XX/2021 # 1- The only account I have had for several years with XXXX is XXXX and I still have it in excellent condition # 2- If the account was not opened until XX/XX/2021 then HOW was it put on my credit report 5 { FIVE } MONTHS EARLIER I have never even been notified of this until now
Consumer complaint received 2019-03-05
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. (WI)

I filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XXXX of 2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement
Consumer complaint received 2022-08-10
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. (NH)

: I XXXX XXXX XXXX of XXXX, XXXX non legal fiction have been back and fourth with this corporation for years as : I have stated in the past that Equifax inc has XXXX reporting inaccurate information on me for some time causing me to pay higher interest rates, being denied Credit opportunity XXXX over wrongful scores as you can see in recent weeks Equifax has been reporting millions of wrong scores to consumers for some time. 
putting : myself into a bind for my credit worthiness. 

pursuant to 15 usc 1681 ( a ) ( XXXX ) Equifax assumed their role in assembling and evaluating consumer credit and other information about consumers, : I XXXX living man never gave Equifax permission nor consent to report anything about : myself to report any information about me to said Equifax report. 15 usc 1681 ( a ) ( XXXX ) states there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy. 
Equifax consumer report about me with alleged accounts that were never verified through personal family members, neighbors, and close relatives is unfair and impartial because i was never consulted to verify if the information was accurate nor even asked if i wanted alleged accounts to be reported at all. ( this is aggravated identity theft, for enjust enrichment ) Equifax has not exercised there grave responsibility as evidence by hundreds of inquiry and accounts by sending fictitious scores to millions including : Myself. and including fictitious accounts that have never been verified. this corporation has shown lack of respect to my privacy and never had my consent to buy and trade my personal information this is acts of war and treason. these actions are as well violations of Gramm-Leach-Bliley Act, refrenced by 15 usc 6801 and 15 usc 6802. 
( accounts and all inquiry must be removed immediately with a copy of my updated report thru mail at address XXXX XXXX XXXX XXXX, XXXX NH XXXX.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I settled this debt and now it has been sold to three different companies. I do not know what to do. I am not getting any help anywhere. I paid XXXX XXXX XXXX directly. I have proof. I am requesting this be removed and cease collections and full verification. This isn't right PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  {$430.00} Balance updated XX/XX/XXXX Account info Account name PORTFOLIO RECOV ASSOC Account number XXXX Original creditor XXXX XXXX Company sold - Date opened XX/XX/XXXX Account status - Status updated XX/XX/XXXX Account type Debt Buyer Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Paid off 0 % Monthly payment - Past due amount {$430.00} Terms 1 Month Responsibility Individual Your statement - Contact info XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I applied to open a credit card with Bank of America to take advantage of a lower interest offer for a balance transfer. I wanted the transfer amount to cover the entire amount of another credit card ( XXXX ). After a couple weeks the company informed me that I only qualified for a portion of what I applied for ( XXXX ) so I contacted them by phone and told them that I was no longer interested and to stop the process. They agreed but about XXXX weeks later I learned that they opened the account and sent an arbitrary amount to my other credit card company. It took several months to get the initial money back to Bank XXXX but now there are transfer and late fees that I dont feell I should have to pay. I have been dealing with this since XXXX. I have talked to several people at Bank of America. Some sympathetic, some not but they really dont seem to want to help. Should I just pay the late fees and transfer fees and move on? Any thoughts would be helpfull. 
Thanks XXXX XXXX XXXX
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (ID)

Dear Sir or Madam, I wish to file a complaint against the entity, HomeLoanServ., of XXXX Idaho XXXX inregard to fraudulent escrow relaeses, and improper handling of escrow moneys, in the regard of my home @ XXXX XXXX  XXXX XXXX, XXXX Id. XXXX. Last year, after a house fire, XX/XX/2020, The insurance company, XXXX XXXX XXXX XXXX XXXX, depositet over XXXX $ in escrow to HomeLoanServ. The moneys were to be released in draws, as work ws completed and verified. The moneys were to be released in XXXX party checks, to ( myself, the homeowner ), and the contractor, XXXX XXXX XXXX, of XXXX Id. In XXXX of this year, the final release if funds was done, completely without my knowledge, or any endorsement of any kind by myself, who is a lifelong singleman, with no heirs or assignees. Upon independant inspection, it has been determined that the work that has been done os both shoddy and substandard. The inspector certifies that work was done after inspection, without sanction. It seems much of the work must be re-done to comply. It was also stated by HomeLoanServ., that the cotractor was within two weeks of completion, and the funds drawn were used to that purpose. I wish to see factual invoice of these contentions. XXXX XXXX are both fraudulent and lying, and I beleive that criminal prosecution is in order, for them and the escrow office of HomeLoanServ. 
Please contact me at XXXX XXXX XXXX XXXX XXXX, or by e-mail. XXXX XXXX
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK (TN)

I had a checking and Savings account with First Horizon bank that I wanted to close. I went to their XXXX XXXX branch today XX/XX/2020 at approx XXXX XXXX  and was told by the teller to speak to XXXX the lady who was sitting at a desk. I explained why I wanted to close and she verified my Drivers License, then she got up and said I will be back and just left. I waited for over 15 minutes and no one came back so I went to the teller and said I needed to leave as I had another appointment as the lady was not around. She too just said " Fine I will tell her you left when she comes back ''. I cane back home and then called the toll free number and got a gentleman to close the accounts and will hopefully get a check in 7-10 days. When I asked about the process of filing a report or complaint about the treatment at the branch he said I would have to go back to the branch and make a complaint. I asked what if that lady was the manager and he said the only option is to complain about her to her. That is the most ridiculous thing I have ever heard. I am appalled at the lack of any service at branch or telephone.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MA)

I am working to Refinance my existing loan with PHH and they do not refinance in the state of Massachusetts so I am working through another company. I have never been late on my mortgage and my mortgage states I am PAST due. I have called PHH to get a clean or updated mortgage statement 6 times and they will not provide me one, they keep stating it should be online. I have also emailed them twice. I am at the point that my refinance is not going to happen because of the horrible customer service of this company. I was under the impression that they had to provide a clean statement or any mortgage statement when asked for. 

PHH Mortgage is the company.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ideal Collection Services, Inc. (FL)

I do not know who these companies are and have never had an account with them. They continuously call and send documents however, these are not companies I have had any agreements with. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX IDEALCOLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. The PMI was finally canceled on XX/XX/XXXX. However, the servicer had taken a payment for PMI and sent it to the PMI insurer on XX/XX/XXXX. This created a shortfall in my escrow account that I will now have to pay because my unused premium has not been returned to me as of XX/XX/XXXX. I spoke with XXXX on XXXX and was told it would take an additional XXXX days to get me my refund. It is my understanding that under the XXXX XXXX XXXX of XXXX they are required to provide my unused premiums back to me within XXXX days of cancellation of the PMI with a XXXX of XXXX days. This has not happened as well I am paying for XXXX and XXXX because of the delay in processing my request. XXXX has said several times that they were backed up but that is not my problem and I am out XXXX dollars for their delay.
Consumer complaint received 2021-04-02
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XX/XX/XXXXXXXX XXXX Equifax XXXX  Account Name : XXXX Account Name : XXXX  MISSING Account Number : XXXX Account Number : XXXX MISSING Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have the same information from a bureau. Please send me proof my information otherwise remove this account from my credit report. Furthermore, as per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (OK)

I purchased some blankets online from a company that I found out are scammers after the point of sale. This was about four months ago. The company is XXXX XXXX  XXXX. I have tried to contact them numerous times about an update on the purchase and inquiring about a refund. All I have received is lies, denial, and obvious disrespect from customer service via email. I filed a dispute with my card XXXX XXXX  CARD. They have strung me along a foreign customer service saying to wait on an update on the dispute until today. I was on the line for 30-45 minutes until they told me my dispute has been denied due to it being legal action. They told me multiple times before this that my dispute was being processed. I have been lied to and scammed with no hope of getting my money back.