davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc ()

For more than a year ( since  XXXX    XXXX   indeed ) I have been unable to login to my  Paypal account as Paypal restricted my login with arbitrary and illogical reasons, and as I moved and changed my landline phone number, I can not receive the nonsense automated phone call to my original phone number on file with Paypal . In addition, I have a balance of around  XXXX  Euros that I am unable to withdraw because of this unexplainable limitation and the most regrettable matter is that I can not send or receive payments via  Paypal. Besides, my bank account can not be used for another Paypal account as Paypal does NOT allow the same bank account to be used in more than a Paypal  account, which is really a stupid limitation!   I point out that NOBODY other than me entered my Paypal account  XXXX  XXXX  XXXX  and if Paypal suspected of an unathorized access, that is erroneous!
Consumer complaint received 2024-02-26
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. (IL)

In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from XXXX and I did not receive a response from XXXX or Equifax at all. When I did receive a response from XXXX, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from Equifax or XXXX but one from XXXX another 2 months later stating the same thing XXXX stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX XXXX office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have credit inquiries on my credit reports that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: SYNCHRONY FINANCIAL (LA)

I did not apply for Credit with SYNCB listed on my  XXXX  Report. I sent in a request for physical verification that the SYNCB Inquiry listed on  XX/XX/15    was in fact something they could prove I applied for and they sent a response saying they are unable to provide the proof, but then also refused to remove the inquiry from my report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 
XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX  for the accountopened XXXX XXXX with account number XXXX XXXX, XXXX XXXX XXXX for the account opened XX/XX/year> with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to compy.
Consumer complaint received 2024-10-13
Product: Credit reporting 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. (GA)

I have credit inquiries on my credit reports that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting 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. (NV)

On XX/XX/2024 XXXX bank placed a inquiry on credit report. Did not apply for any auto loan or credit loan with XXXX Bank. 

ID Theft fraud.
Consumer complaint received 2022-08-10
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. (NV)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was originally contact by a blocked number on XXXX/XXXX/16 who advised me I was being summons and to give them my updated address when I refused he advised I needed to call XXXX XXXX law firm, to discuss matter. When I called I spoke with " XXXX '' who stated I owed XXXX for a 5/3 account that originally had a balance of XXXX but he is asking for XXXX. When I asked for more information on who they were he immediately got rude with me. He stated I 'm not a collection agent I 'm a lawyer. He never provided me the attempt to collect a date verbiage. At this point I was fearful and under extreme duress. He stated this is a criminal offense and if you do n't pay today we will see you in court!. At this point I begin to feel threatened and uncomfortable with the situation. He than told me to find some resources and call him at his personal line which was XXXX. After I got off the line with him I contacted 5/3 bank who stated they had no clue who this company was but advised me the debt was only XXXX and was sold to another company .. I also pulled my credit, and I noticed that my credit was pulled on XXXX/XXXX/2016 by them. After making numerous calls to different companies I received XXXX voicemails today from this said XXXX at XXXX legal again harassing me saying he is the only person that can help. As I m typing this complain I received a call from XXXX XXXX XXXX, CA someone who stated that again this is a criminal offense because of the amount and that the charges would be dropped if I pay XXXX
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Our home owners insurance is made with our monthly payment to Ocwen financial service. The invoice from the insurance company is sent out in XXXX, and is due XXXX XXXX. As is the case this year and the past two years, Ocwen does mske the payment prior to the home owners insurance policy lapses.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

My account transferred to Freedom in XXXX. Right from the start I had issues. I called Customer Service because my insurance was paid by the previous servicer on XXXX XXXX, 2016 ( this is confirmed on Freedom 's website ) Freedom then paid my insurance on XXXX XXXX, 2016. I called to get the payment cancelled and the agent was very rude i let her know there were XXXX payments showing on the website and she proceeded to argue with me that only XXXX payment had been made. I offered to wait while she logged onto the website to verify but she claimed there was no way the previous servicers history was on the website ( see attached screen shot its on there ). After getting hung up i finally got to the insurance department whom claimed they stopped the check from going on out. However the check did go out and so my insurance company sent me a refund of {$1100.00} thankfully I knew enough not to cash this. I called my insurance company who stated that Freedom stopped payment on the check and it was not valid. So while my issue is resolved my complaints revolve around XXXX things XXXX the shoddy customer service and the rude agents at Freedom. Second i have sent to email requests to freedom regarding this issue w/no response the first in XXXX which i do not have a copy of and the second XXXX in XXXX ( copy attached ) i have not gotten a single written response from Freedom other than an acknowledgment that they have gotten my complaint and will respond by mail. I work for a mortgage company and was appalled out how i have been treated and how i have not received a response.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

I used 5th 3rd bank 's credit card to charge a part of {$130.00} from XXXX XXXX but I called they right away not to order the part but they refused to refund me, when I ask the bank to dispute the charge they are not helping me not dispute the charge, I like to get the money back because I did not order the part and cancelled the part.
Consumer complaint received 2016-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Dynamic Recovery Solutions, LLC (MN)

I paid off a XXXX XXXX loan in 2010. I have all the paper work showing it has been paid off. However, every year I have a different company contact me about this debt. I have continued to forward the paper work ( including : bank statements, letters and account numbers, etc. ) all showing it has been paid. How do I get these companies to quit contacting me, when I have already settled the debt.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC (FL)

i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XX/XX/10 I applied for a credit card offer through experian. The notification stated the offer for XXXX XXXX issed by XXXX XXXX Experian had this as my top match for approval so I applied but I was denied. I understand things are subject to approval but after receiving the adverse action letter which stated the reasons for denial I quickly realized I did not meet any of their criteria for approval. Why then was this a top credit match when I did not meet minimum score, credit length, income, etc. which are credit basics. 

I would like to request the hard inquiry be removed as the credit match criteria did not fall along the parameters for approval in most of the guidelines.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

American Express declined my application for a XXXX Credit Card on the basis of 'too many new accounts '. After walking through my credit report and detailing the number of new accounts and the timeline of opening these accounts, company representatives have explained this 'does not seem like too many accounts ' - therefore bringing into question if this was inequitable / discriminatory consumer lending practices. I would like American Express to explain, quantifiably, how many accounts over what period causes a decline in order to match this information with my credit report and see if this was equitable or not. 

Recommended solution : 1 ) Appeal and manual review of the application, 2. ) Contact from American Express outlining its policies that quantifiably explain the rationale for decline ( equitably ), and/or 3. ) company retraction of hard inquiry from my credit report.
Consumer complaint received 2022-08-10
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. (NV)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm having a problem with XXXX XXXX CREDIT CARD ... .I NEVER USED IT AND THEY PUT ON MY CREDIT REPORT A BALANCE THAT IS NOT TRUE ... THIS CAUSED MY CREDIT SCORE TO GO DOWN 54 POINTS ... .I CALLED THEM AND THEY SAID THAT THEY WILL SEND XXXX A LETTER STATING THE ACCOUNT WAS CLOSED AND THEY REMOVED THE BALANCE TO A CHARGE OFF ... .IF THEY DID EXPERIAN NEVER FIXED THIS PROBLEM ... .PLEASE HELP
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (TX)

I have been contacted multiple times by a collection agency that goes by Ability Recovery. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COLLECTIONS USA, INC. (IN)

On XX/XX/2017 I viewed my CBR as I do each month. I noticed that there was a collection item listed on my report. I immediately disputed this item against my credit as I had NEVER received anything in the mail regarding this. On XX/XX/2017 I received a response to the dispute from XXXX stating that this item had been reviewed and found that it was an accurate reporting against me. Again confused because I had never received anything in regards to this debt. On XX/XX/XXXX I receive a letter from the agency ( Collections USA located at XXXX, XXXX, AZ XXXX ) this letter was dated XX/XX/2017 several days after the item was already reported against my credit report. My complaint is this. For some reason I feel that this must be some sort of FDCPA violation. How is it legal for an agency to report something against your credit before sending the initial 30 day demand letter giving an opportunity to dispute the item BEFORE it is placed against someone 's credit. Should n't they be allowed the 30 day ( lawful dispute time ) before it is reported?
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: G & D COMPLIANCE (ND)

I worked with a gentleman in college who apparently got into some serious situations. Ever since then I have received phone calls randomly from Debt Collection agencies asking for him and information on how to find him. I have repeatedly asked them to stop calling my number because I am not the person they are referring to and have no contact with him any longer. I continue to receive phone calls and I am not impressed that someone was able to use my phone number as a contact number, which I did not agree to, and now I receive harassing phone calls when I have repeatedly told them to stop calling me.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

I have 3 student loans with Navient, formally XXXX. As with all 3, Navient has put my accounts into forebearrance without my approval. They have also reported to all 3 Credit Bureaus as being " paid on time '' during these forebearrance months, then the following months reporting as " 90 days late '' and so forth.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

My car was declared total loss and my insurance paid to my lender $ XXXXand I paid for a Gap insurance and it has to pay the rest of my balance which is {$800.00}. My Lender does n't want to cooperate with the information requested from my Gap insurance and it wants me to pay for a car that was declared total loss.
Consumer complaint received 2020-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I've already tried to work with Navient on repaying my student loans.. I'm XXXX sick of them ... they are horrible! I can't afford {$200.00} plus dollars a month for payments. I need my payments lower. They are not trying to work with me!! And why is it that the federal government allows them to take advantage of people trying to repay student loans. I feel like you all want us to live in poverty!!! Come up with a way that allows me to lower my payments!!! This country is absolutely horrible because of the way we are treated over student debt.!! For the record I will always give them a low rating because they don't work with individuals repaying student debt. Student loans were created by XXXX!!
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Windham Professionals, Inc. (CA)

We received a payment demand from Windham Professionals for {$500.00} alleging that XXXX XXXX XXXX XXXX XXXX America reported our company as a delinquent debtor. 

Our company has never purchased any insurance policy from XXXX XXXX XXXX XXXX XXXX America in any capacity, including its affiliates. 

We do not owe XXXX XXXX XXXX XXXX XXXX America any money. We have never been a client of XXXX XXXX XXXX XXXX. In addition, the {$500.00} extortion is unwarranted and is not attributable to our company. 

Windham Professional Account No : XXXX Date : XX/XX/2021 Amount : {$500.00} Phone : XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (PA)

This debt collection company is attempting to collect on a XXXX year old debt on behalf of the XXXX. XXXX years ago in XX/XX/1987, the XXXX cleaned and sealed a vacant property. I did not owe this property in XX/XX/1987, I was XXXX years old. I verified with the city that this happened XXXX years ago. Why is the city attempting to collect on a XXXX year old debt?