davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (FL)

I called in on XXXX XXXX, 2017 prior to the payment being due to request for the minimum payment to be removed due to natural disaster hurricane XXXX in Florida. The specialist told me my zip code was not showing as an impacted area. I advised them it was declared on fema.gov website it was and was told to call back in two weeks. I was forced to make a payment that I needed for food and gas. I'm also wanting to see if I can get a temporary credit line increase for the natural disaster relief act.
Consumer complaint received 2018-07-21
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. (PA)

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .XXXX, Equifax and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (ID)

They charge me two overdraft fees for reverse payments. Now they're saying that they didn't charge those overdraft fees, but they are clearly showing up on my account statements that I have and they are missing from my bank account and the math just doesn't add up and they keep saying that they weren't charged.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my XXXX income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. OnXX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Consumer complaint received 2020-12-04
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: ERC (WA)

I am writing to ENHANCED RECOVERY CO L agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting ENHANCED RECOVERY CO L agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (MN)

On Friday, XX/XX/2018, I received a letter from Phoenix Financial Services stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
Consumer complaint received 2021-09-22
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. (MS)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

In 2014 I went to Carhop to get a car, i put down {$500.00} and i was supposed to pay {$320.00} a month, the car was in an accident which lead the person who caused it insurance company paying out {$3500.00} so i had to pay a little under {$800.00}. I called the UAC company the lady told me that if i paid off the balance then she would make sure it would be taken off my credit report. I have tried disputing this since and no luck they wont take it off even after they didn't hold up their end of the deal. I paid what was owed and i feel it should be taken off my report, I have been disputing this same company since 2014 and i am pretty fed up so this lead me to write this letter. I hope i can get some type of relief now.
Consumer complaint received 2018-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (AZ)

XX/XX/XXXX I went inside the branch to make my mortgage payment using a bank cashier check.

Long story short, as of XX/XX/XXXX ... XXXX XXXX XXXX dont see a payment. Called multiple time and I keep getting different answers. A few Agents said they see XX/XX/XXXX payment it will post soon and a few of other agents says they dont see the payment or havent received it.

XX/XX/XXXX I received a late fee charge but it was credited back because Im safe for 60 days.

2 months in with this dumb company and still cant get it resolved. Worst customer service and worst customer experience.

So the XX/XX/XXXX payment is no where to be found. I still have a copy of my XX/XX/XXXX Payment Cashier check. Processed my payment for XX/XX/XXXX ( which was posted for XX/XX/XXXX ).

Before XXXX XXXX XXXX, there was XXXX  before they merged/bought out. It says it will take XXXX XXXX XXXX up to 45 days to catch on to XXXX  system which ... the days have passed.

Need to get their XXXX  straight.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

I SENT A LETTER OF DISPUTE ON XX/XX/2021 FOR XXXX, EXPERIAN AND XXXX  TO VERIFY SOME STATUS OF MY REPORTS AND IT HAS BEEN 30 DAYS SINCE I SENT THEM THE FIRST SET OF LETTERS AND THEY HAVE NOT RESPONDED. ON XX/XX/XXXX I SENT THEM ANOTHER SET OF LETTERS THIS TIME CERTIFIED AND IM WAITING ON THEIR RESPONSE.
Consumer complaint received 2021-09-22
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. (NJ)

Transunion refuses to remove duplicate account from XXXX financial. Received correspondence from XXXX that the account was removed but both still showing on file. This account from XXXX XXXX was included in bankruptcy. However, they can start by removing duplicate account and they refuse. Can you please assist!
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

During the pandemic, our family restaurant was obviously impacted. At that time Specialized Loan Servicing, the company that holds our mortgage, offered a 3 month forbearance which we took advantage of. After the 3 months, I was placed on a payment plan to pay-off the 3 missed payments. During the past 6 months I have received 200, if not more, pieces of mail threatening foreclosure through regular mail and certified mail, plus daily voicemails even though I have talked to representatives on multiple occasions who have assured me we were in no danger of that happening. On top of that, they have placed my account in the bankruptcy division. A previous bankruptcy ended about 7 years ago, well before they took over my mortgage. I feel harassed by this company even though I am taking the exact steps we had discussed to get me back on track. They truly made a very difficult year for us even more of a nightmare with the constant threat of taking our home away from us.
Consumer complaint received 2018-07-20
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. (NY)

There are two accounts from XXXX XXXX on my Equifax report which are business accounts under a tax id and should be on my business credit profile only. While XXXX and XXXX XXXX, still Equifax reports it to my personal profile causing me damage.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NE)

On XX/XX/XXXX, I received notice that my PayPal accounts have been permanently limited. I have two PayPal accounts which are XXXX and XXXX. Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX and Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX. 

I have {$1400.00} in XXXX and {$2100.00} in XXXX which totals to {$3600.00}. This is a large amount of money being withheld from me. 

Week of XX/XX/XXXX, I called PayPal customer service about why my accounts were permanently limited and why my money is being with held from me. The representatives response was that they have no obligation to disclose why my accounts are being permanently limited and my why my money is being withheld from me. 

On XX/XX/XXXX, I sent PayPal a letter requesting why my accounts were permanently limited and why my money is being withheld from me. 

On XX/XX/XXXX, PayPal responded saying that my accounts were reported to be involved in possible fraudulent or high risk behavior. I must want 180 days from the limitation to withdraw my money. 

On XX/XX/XXXX, the {$1400.00} in XXXX transaction ID XXXX and {$2100.00} in XXXX transaction ID XXXX which totals to {$3600.00} was transferred to PayPal citing PayPal 's damages caused by acceptable use policy violation.
Consumer complaint received 2018-03-30
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: General Motors Financial Company, Inc. (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2021-09-22
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. (MD)

On XX/XX/2021 at XXXX, I submitted a dispute with Experian XXXX XXXX XXXX for inaccurate information contained on my report. Credit bureaus say it can take up to 30 days for a response. 
Unfortunately, I received an email that my dispute was complete at XXXX on XX/XX/2021. 
I do not understand how this is possible. Was my dispute even sent to XXXX XXXX for review? It hadn't even been 1 hour. 
I called Experian today at XXXX to get clarification on how this is possible, and the rep told me that the dispute had never been sent to XXXX XXXX and a supervisor would contact me in 72 hours. 
I am EXTREMELY concerned about this behavior by a credit Bureau. They are responsible for the livelihood of millions, yet they place inaccurate data on our reports and do not perform properly when consumers reach out.
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. 
Thank you!
Consumer complaint received 2022-08-08
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Hello, I was working with AmeriSave to refinance my home and worked with XXXX XXXX. We went through the entire process and was told that if the refinance did not work out or we decided not to proceed we would get a refund of our {$500.00}. I have all the texts and when we started the process we were told we should try again in XXXX. Now that XXXX is her my husband and I decided this just isnt working out for us and would like our refund. XXXX had called me when I reached out and told me he no longer works there and gave me his bosses number/email at AmeriSave XXXX XXXX XXXX to request my refund. I have made multipule attempts to reach out with no response. I made this payment on my XXXX XXXX credit card on XXXX XXXX. I am just asking for a refund as I was told it was refundable due to being a refural.
Consumer complaint received 2021-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have several fraudulent hard inquiries on my credit profile CAPITAL ONE XX/XX/2021 XXXX  XXXX XXXX # XXXX CAPITAL ONE BANK USA XXXX XXXX - XXXX CAPITAL ONE BANK USA
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX, XXXX phone calls were made to Navy Federal Credit Union at around XXXX XXXX to question why money/funds were not returned back to Savings Account by Navy Federal Credit Union as required with a service offered by them known as XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction date of XXXX XXXX. An amount of {$8.00} was transferred from XXXX Account XXXX XXXX XXXX Account on XX/XX/XXXX. The amount transferred was the XXXX  payment towards the XXXX XXXX Account. Initially, the XXXX  customer representative spoken to acknowledged that there was an amount of {$8.00} which was transferred and paid towards the XXXX XXXX Account, and that the reason why it was not released or returned to me is because the transaction was identified and categorized as a different type of transaction. I was placed on hold so that she would resolve the matter, but the phone call was disrupted by a concluding automated survey. 

An attempt to reach out to Navy Federal Credit Union again was made on same date of XX/XX/XXXX at around XXXX XXXX and spoke to a XXXX  customer representative. The XXXX  customer representative claims that due to having numerous transactions on account, she assumed it would be difficult to see the release of the funds. There is no proof that there was a release of funds or return of funds and a request was made to the second customer representative to provide such proof because there should be for documentation purposes to have proof that there was an equal exchange between lender and borrow. The second customer representative dishonored the request. Therefore a request to speak to the supervisor was made. 

The second customer representative on the same phone call transferred the concern and subject matter of this complaint to the supervisor as requested. It was explained to the supervisor the concern of the funds not reflecting on the savings account after payment towards the XXXX loan. The supervisor claims the money has been released and it may not be able to be seen due to the " high amount '' of transactions within that time frame. This information is conflicting due to the fact there is no proof that there was an increase in the savings account balance where Navy Federal Credit Union was to return the funds owed. A request for confirmation of the funds that certifies that the funds were returned or released was made and the supervisor dishonored and refused request. The supervisor unprofessionally goes on to threaten the consumer that she will be hanging up the phone due to her inability to fulfill her fiduciary role as XXXX for the Consumers account, which includes providing proof or confirmation of funds ever being released/returned to the consumer as obligated.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently received a wage garnishment from midland funding through a default judgement. There are three issues with this action taken by midland funding which causes the filing of this complaint. 1 The debt was not mine, this can be proven with a police report i made back in 2017 that the credit card was being used without my consent. All midland funding statements reflect on my name because i did open that account, but was later used by my ex girlfriend. 2 The debt was charged off as bad debt, profit and loss write off this is reflected prior to the default judgement and reflected in my credit reports I possessand most importantly this is TAX FRAUD. 3 Midland funding knowingly filed documents in superior courts to obtain the default judgement and directed other entities to garnish my wages.