davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX for wrong personal information as well as accounts and inquires. I received an email on XX/XX/2021 that stated my results were ready to view, I attempted to the results online and was told that they were not available on line and to call XXXX, I called and spoke with a XXXX who advised me that he could not get me the results and that I needed to be transferred to the dispute department. I was transferred to XXXX who was rude and wouldn't let me explain to her that I did not need help with the website but more so with the obtaining a copy of my dispute results, she advised me that they have no control over the results not being given to me and that I could check my report for the results, she then transferred me over to the fraud department where I spoke with a XXXX and he advised me that the website is not something that they handle and that there is no way for me to receive the dispute results and to resubmit it. I requested a supervisor or a manager to get some type of help or explanation why the results wouldn't be available for me to see by mail or email and he said that he could have a supervisor reach out me sometime in the future. This not the first time I have mailed letters to them with a dispute and never received the results in return.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OK)

Freedom mortgage issued me an escrow surplus check on XXXX XXXX 2016. Immediately after receiving this check my insurance agent called and informed me that my homeowners insurance had not been paid. I called Freedom Mortgage with my insurance agent on the line and requested a check be sent overnight. The Freedom Mortgage agent said that it would be overnighted. Several days later my insurance agent called me and informed me that a check still had not been received and that my insurance policy was close to termination. I called Freedom Mortgage back and an associate in the insurance department told me that indeed the request for payment had been denied from Freedom. So she said she would put in another request and this one should go through since the last one was denied. I called Freedom Mortgage the very next day and once again another associate in the insurance department told me that the request had been denied. At this point I asked to speak with a supervisor and I was told that a supervisor was not available. So I hung up and immediately called their customer service department. I told them about my problems and that I had requested to speak with a supervisor buy was told they were unavailable. The customer service associate put me on hold and called over to the insurance department and requested to speak with a supervisor. After thirty minuets of holding, I was connected with yet another insurance department associate who told me a supervisor was unavailable at the moment but that she would try to resolve my issue. After around thirty more minutes talking with that associated I once again asked to be connected to a supervisor and was put on another five minute hold. I was finally connected with a supervisor who said he would request that a payment be sent out to my insurance company. How am I supposed to trust that this payment request wo n't be denied like all the rest of them? So my complaint is : I 've talked to around five to six different people over the last two weeks about my problem. I have had three different requests for payment of my homeowner 's insurance that have all been denied and all anyone can tell me is sorry for the inconvenience. This company has put my home, me and my family at risk and this is unacceptable. An inconvenience would have been the first time I called at this point we are at a severe problem. My homeowner 's insurance is at the point of being terminated because of the negligence of Freedom Mortgage Company.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AR)

Transaction authorized XX/XX/2021 for XXXX to XXXX XXXX through Paypal for a transaction on XXXX. Messages to XXXX XXXX through the website have gone unanswered. Although the website indicated it is housed in Ohio, the time stamps for the messages are for the XXXX XXXX time zone. I fear the site is a shell for fraud and wished to cancel my payment before any further exposure occurred. Paypal indicated that it could not cancel a payment once authorized despite the potential fraud and risk. Please see transcript in attached document. Paypal did not provide a copy of the transcript upon my request. The document was copied and pasted from the online exchange that spanned approximately 14 hours.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - 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 XXXXXXXX Fraud Accounts : XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX  - Account number XXXX Additionally, there is a record of XXXX XXXX XXXX discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. 

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. 

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. 

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. Credit Acceptance Corporation XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3.XXXX  - mailed XX/XX/2020 4. XXXX  - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date.

I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX  on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to CAC 2. Dispute letter to XXXX XXXX 3. Dispute letter to XXXX  4. Dispute letter to XXXX  5. Dispute letter to XXXX 6. Response received from XXXX that does not include the method of verification required by the FCRA. 
7. Certified Letter Confirmation Numbers
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (OK)

I had a vehicle leased thru GM Financial and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being XXXX XXXX. I settled the account with XXXX and account was paid in full. XXXX is either not reporting to GM Financial that this account is settled or GM Financial is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIBANK, N.A. (NY)

I write to complain about the debt collection conduct of Citibank, XXXX XXXX, and XXXX XXXX XXXX. I owe about {$30000.00} on a private student loan I took out with Citibank to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX. The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called Citibank well before XX/XX/XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. Citibank told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. Citibank began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX problem and how it stopped me from working and that I had used up my savings. Citibank then transferred the case to a new servicer, XXXX. XXXX began calling on XX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TN)

I requested a refund for the payments I made during the pandemic since I am eligible for the one-time {$20000.00} loan forgiveness. I made this request on XX/XX/2022, in the amount of {$4900.00}. The lady I spoke with that day stated they do NOT provide confirmation numbers/emails for the refund requests. I basically have to have faith that the request was made but have no proof of said request. 

So, I talked to two representatives today ( XX/XX/2022 ) to confirm that the request was made and to find out how long it will take. The two representatives that I talked to were less than helpful. They were able to tell me the refund request date as well as the amount, but would NOT tell me how long it would take to process the refund. The first representative, XXXX, just said that it is processed according to the Department of Education 's timeline but could not provide that timeline. The second representative, XXXX, told me " We do not have a timeframe. '' How do you not have a timeframe? 

The lack of transparency with this company is very alarming and completely unacceptable. Every time I speak to someone they tell me something different and now no one has any answers about the refund processing times. As a service provider, you should be able to at least give an estimated timeframe for the refund.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (PA)

I received a phone call from someone stating I owed money on a MasterCard that I did not apply for. I'm assuming it was from a Collector for the amount of almost {$3000.00}. I also spoke to a woman in the Legal Department and she immediately asked me to confirm my social security number over the phone, which I refused and her attitude immediately changed and she became agitated. Both people I spoke with never identified themselves and I then became very suspicious. They told me I had 48 hrs or they were filing an Injunction.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (GA)

I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TN)

I have a XXXX XXXX XXXX where I XXXX XXXX XXXX XXXX XXXX  and XXXX. I usually use 3rd party sites like XXXX and XXXX but I have a few loyal XXXX  who request to XXXX XXXX XXXX directly. I have had XXXX XXXX  set up for several years with license, tax id, DUNS, etc., so I applied for a merchant account with XXXX in order to process payments. I applied on Sunday XX/XX/20 and the application process is very similar to a credit card application. I was asked for my EIN, Business Information, XXXX, phone number, DOB, and SSN.  After entering the information, I waited for a response and was approved after about 3 minutes. I was instructed to enter my banking information for deposits, and finish the setup. When I finished, I got a notification informing me I was ready to receive payments. I sent my first invoice for {$550.00} and was paid promptly. The next morning, Monday XX/XX/20, I shipped the item via USPS Priority Mail. Tuesday afternoon, XX/XX/20, I got an email informing me that XXXX considered me a " high risk '' for charge backs and they would not be doing business with me. I logged into my account to find they had refunded my buyers credit card, without warning. I was out {$550.00} and my inventory, a XXXX XXXX XXXX XXXX. I tried to contact them but they were not reachable by phone. Luckily, I bank with Chase who is partnered with XXXX, so I called my bank and they managed to find me an email address after about 30 minutes of calling the number they had for support, which didn't work either. I received a response the following day which informed me they would not tell me how they came to the conclusion I was " high risk '' and they had the right to terminate at any time. They directed me to their " Terms of Service '', which I read but why would they have the right without cause? There could be no justifiable cause. They could have denied my application. All my information is valid and up to date. The package was in transit. What am I supposed to do? The last message they sent suggested I should have waited for the funds to be deposited, which is not how credit cards work. That is laughable. If that was the case, I would take checks. Please help me. This is no way to do business and no way to treat people. The coin pouch was delivered Thursday, XX/XX/20, without issue. {$550.00} is a lot of money and I am sure they have done this before and will continue to do this if they can.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (SC)

Sequium Asset Solutions , LLC is reporting false and inaccurate information to my consumer reports and credit file. The account is reporting an alleged amount owed of {$100.00}. I do not have contractual obligation to Sequium Asset Solutions , LLC and have never had any initial communication with this company. I never gave Sequium Asset Solutions , LLC consent to obtain my personal information which constitutes identity theft and is a violation of my individual right to privacy pursuant to to 15 USC 1692. Pursuant to 15 USC 1681 ( a ) ( 2 ) this negative information being reported is harmful to my reputation. On XX/XX/2021, pursuant to 15 USC 1692g, I requested validation of debt from Sequium Asset Solutions , LLC and I am currently awaiting response from their offices.
Consumer complaint received 2018-06-29
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. (IN)

My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time a fraudulent account was opened in my name with XXXXXXXX XXXX. XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.
Consumer complaint received 2020-10-15
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. (IL)

The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, I made an online purchase with my XXXX XXXX XXXX ( AEO ) credit card and the purchase was approved. I had a known credit line of XXXX dollars with XXXX available. After making the purchase and returning the items, XXXX decreased the credit line to XXXX without my knowledge and as a result, put me over my credit limit by XXXX some dollars. I think this is unfair practice and as scam for a customer who paid the bill on time or before time. I called the company and they stated that the affiliated bank decreased my credit line and there was nothing they could do.
Consumer complaint received 2022-09-13
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. (FL)

Hello, my name is XXXX XXXX and I am writing to you in reference to Experian reporting the wrong and undeliverable address on my credit report. I have sent several disputes and tried to remove these addresses several times. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX. I will attach my utility bill. I need you to remove the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- the address is not deliverable and must be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- this address is not deliverable and must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX - this address is not correct and undeliverable please remove this from my report. 
I will attach a copy of my Experian report from XX/XX/2022.
Consumer complaint received 2021-03-02
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: AMERICAN EXPRESS COMPANY (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. 
AMERICAN EXPRESS Inquired on XX/XX/2020 2020