davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/XXXX I sent {$75.00} from my XXXX  account to another account that will not release the funds to the recipient. I contacted XXXX XX/XX/XXXX and was informed that if the recipient called XXXX and requested that the money be reverse transferred back into my account, the situation would be handled. However when the recipient called XXXX  they informed her that her account was frozen and the money was non-transferable at that point. The only option the recipient has is reimbursing XXXX from a previous charge that was mishandled. I believe XXXX is committing fraud. Her bank never froze her transactions, but XXXX   claims it did and has locked her out of her account with a {$160.00} fee for reinstatement since XX/XX/XXXX.
Consumer complaint received 2021-02-21
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. (FL)

XXXX is reporting a fraudulent account under my credit that i did not open, on my XXXX, equifax and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.
Consumer complaint received 2023-01-27
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: NAVY FEDERAL CREDIT UNION (TX)

NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

I paid of in Full my Student Loan through the XXXX Website on XX/XX/XXXX using their " Payoff Calculator '' On XX/XX/XXXX they debited my bank account the full amount of my regular student loan. When I called, I pointed out that I paid it off in full and was still debited on XX/XX/XXXX. Furthermore, the website showed the - {$130.00} balance and also stated I was still in " REPAYMENT '', even though other loans clearly said " PAID IN FULL ''. They would not immediately refund what they took from my bank account without permission ( They no longer had permission because I PAID IN FULL ). And would not give me a date of when I could expect my money back. Nor could they change the status to PAID IN FULL. Paying off my loan should not entitle them to continuously debit my bank account! And if a company provides a payoff calculator, and the customer uses it to pay off the loan, then their should n't be any need for the customer to ever call back in.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2022 my BJ 's Commenity Bank XXXX XXXX charged me interest of {$100.00}. I have my card paid in full and automatically debited from my account, so an interest fee is not even possible. When I called to report the error the representative told me I would received something in the mail about my complaint to begin to resolve it. Nothing has come after waiting two months. Very frustrated and looking forward to the agency helping me get my money back. Thank you!
Consumer complaint received 2022-10-07
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: Merchants and Professional Bureau, Inc. (NC)

XX/XX/XXXX, and XX/XX/XXXX Merchants and Professionals Collection Bureau , INC. ( a third party collection agency ) was contacted in regard to two fraudulent accounts ; XXXX XXXX XXXX XXXX in the amount of and XXXX XXXX XXXX XXXX in the amount of {$210.00}. Alleged debt for account XXXX on XXXX XXXX report was being reported at {$220.00}. XX/XX/XXXX XXXX credit report is now being reported at {$140.00}. 

An Affidavit of Fact was sent to XXXX XXXX XXXX of Merchants and Professional Collection Bureau XXXX Inc. XX/XX/XXXX. 

There has not been a VALIDATION of alleged debt by either XXXX or the third party collection agency. 

My credit profile that was generated XX/XX/XXXX, indicates that the " Account information disputed by consumer '', but it is still reporting negatively on my report.
Consumer complaint received 2023-01-27
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. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Bill collector verified personal information including the last four of my social with someone that was not me by phone, not even the same gender, disclosing my debt. They did not disclose who they were and called numerous times over and over again on the same day. 
I called to speak with a manager who claimed she can not assist me without verifying my information today XX/XX/2020. 

Portfolio Recovery Manager XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late Closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2018-03-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

Contacted this agency to let them know one the amount that they were trying to collect was wrong. That I never received an amount close to that and that some of what I did receive was paid already. They did not want to here that and told me I had to pay all or nothing. Just dispute it. Which I have done to no avail. The amount is wrong and is almost double. I asked for a settlement and they said the settlement is the whole amount.
Consumer complaint received 2018-03-29
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: JPMORGAN CHASE & CO. (CA)

I need the Chase to provide me the IP address where someone has pulled hard inquiry with my information.. 
I never authorized anyone to pull hard inquiry and I need further instruction how I can make a claim against Chase and file the lawsuit and also make a police report .. 
This hard inquiry is not authorized by me and I would to clearly get some more info how someone has taken my information.. 
I am willing to make a police report, file the FTC complaint as well
Consumer complaint received 2019-10-03
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: Fidelity National Information Services, Inc. (FNIS) (NY)

This customer service is horrible I cant open any bank account with no banks checking they tell me to call XXXX because of if theft alert on my social security number that XXXX is providing to these banks they refuse I called them and they say the same thing this is not fair when are my concerns going to be resolved this company XXXX and couldnt care less for me because they dont fix this issue I have proof from a bank that declined me stating the reasons and contacted this company to try and resolve this issue they say their is nothing they can do they play games with me and the banks refer me to this company to have this fixed with their system reporting internally id theft security alert do not open an account at this time the bank showed It to me and in a letter
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX from XXXX contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with LVNV Funding which was an account from XXXX XXXX Bank, all of which is not legitimate. 
The XXXX XXXX Bank was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge. 

I asked XXXX XXXX to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from XXXX continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to XXXX on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

In the process of purchasing a home and had your credit pulled and was surprised to see a collection from AWA which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. Upon further review it is found that the original creditor has been paid, I have reached out and paid directly the original Creditor.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX ACCT SERVICE ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-26
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: EQUIFAX, INC. (FL)

My identity has been breached and used to obtain credit without me knowing. Please help me get to bottom of this and bring these people to justice. I can not even get a car loan because of this. I have become victim of identity theft due to I believe a data breach please help me.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.
Consumer complaint received 2024-02-21
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. (MD)

Filed a dispute via XXXX major credit bureaus on XX/XX/2024 as one of my XXXX  XXXX credit cards is reporting my Last Statement Balance of {$420.00} ( that ended on XX/XX/2024 ) as my " Current Balance- which is incorrect and is negatively impacting my overall credit score. I also contacted them via phone and the representative verified that my dispute investigation was complete and the " Last Statement Balance '' was reported instead of the current balance.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I was not behind on any prior Pymt before, Forbearance months of XXXX, XXXX and XXXX total of {$1300.00}. In XX/XX/XXXX received a call for Suntrust on Pymt. Paid {$440.00} on XXXX XXXX XXXX paid {$890.00}. Paid XX/XX/XXXX th of {$440.00}. Received my annual esrow statement shortage of {$590.00} on XX/XX/XXXX. Per statement I had to opinion 1 ) {$48.00} for 12 months added to new Pymt on XX/XX/XXXX of {$540.00}. or 2 ) pay {$590.00}. 
I have live in this house for 25 years my esrow has can short more time and my mortgage has changed. I paid XXXX {$440.00} and XXXX {$540.00} have the statement showing mortgage change because Esrow .After I paid the {$1300.00} XXXX Suntrust keeps saying I behind on my mortgage will not post any my Pymt to my account. I have called them 7 times but no one can not explained why and per the represent its noticed on my account to return my Pymt if dont bring my account up. I have log in Suntrust see where they post my Pymt then reverse puts its in XXXX applied funds. I printed out list mortgage Pymt from XX/XX/XXXX through XX/XX/XXXX its showing all my payments and I was never behind of payment. I have a copy of my statement from XX/XX/XXXXthrough XX/XX/XXXX. 
And they fees and charges me {$10.00} when I file forbearance from someone to go out inspection my house. 
This has been nightmare. I know its more Suntrust customer are going the same things.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

In XX/XX/2020, I called LVNV FUNDING LLC Collections to discuss the account for the amount of {$710.00}. I asked if I can do a settlement of {$400.00}. I was told yes and when I could make the payment. I informed the representative I could pay it now. So I proceeded to make the payment of {$400.00}. 

2 weeks later I received a call from LVNV FUNDING LLC stating I had a debt and wanted to know how I wanted to pay the debt. I informed him I already paid a settlement amount for the amount of {$400.00}. I was informed by him, that I should not have had an option to settle the account. Informed the representative that I held up my end, and, I don't feel that the numerous calls are not fair or appropriate. I was threaten if I don't pay the remaining {$310.00} they will report it on to my credit report. Which they did. 

Since then I keep disputing this matter with LVNV FUNDING LLC on my credit report. I feel I have been threaten, mistreated and reported unfairly when I called them, to settle the account and do the right thing. 

My score has suffered a great deal because of LVNV FUNDING LLC company dishonest, tactics of being unfair, rude and disrespectful staff who kept calling every 30 minutes until I block them from my phone.
Consumer complaint received 2018-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AP)

I transfer a money to western union and my sender has a different name in her ID's.. i call western union after a weeks and they sed the reciever can claim in 2days ... until now they canot claim the money now it is unavailable in the system ... plss help me.. they need the money by my couzen..
Consumer complaint received 2019-05-29
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: Experian Information Solutions Inc. (CA)

I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.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 and several negative items. 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 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid the full balance of my Credit Card bill which was XXXX. XXXX. Though i was late with the initial Payment, I paid this in full However, in the proceedings of The process i was asked to present documents of verification in which i did in full compliance. everything they asked for i submitted. But for whatever reason, my account was still restricted I provided the bank statement of my uncles account who paid off the balance and who authorized this transaction. They took the payment and it was posted. I have provided the following documents. After doing everything in full compliance the customer service at capitol one became very unprofessional and duragtory. They took my money and they still had not released my account. these are the documents I provided.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Hello I am hoping you can help me with an issues I have with Comenity Bank. In XXXX of XXXX Comenity Bank and myself came to a settlement agreement on a balance I owe of {$2200.00} the settlement agreement was {$890.00} of six payments. 
XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$390.00} Now they are trying to say that I owe them {$1300.00} which is the difference between the full balance and the settlement offer that was paid. Also on my credit reports XXXX XXXX and XXXX are all reporting a balance to. This should not be happening since I have a letter from them with the offer and payments schedule. I have attached the letter for you viewing. This has done on long enough and need to fix.