davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

W

hen I mailed in a request for my credit file to be unfrozen, and a separate request for my credit record, I received a response that my SSN had been updated as the resolution to a dispute. I had not submitted any sort of dispute. I set up an account at my.equifax.com - despite the horrendous terms of service/legal agreement - for the sake of trying to fix this. My credit record is currently unfrozen according to my account at my.equifax.com - however, the " dispute '' form shows that I have a " Legislative Security Freeze '' on my account. As a result, I can not refinance my mortgage ( banks/mortgage specialists say that a soft pull shows my account is still frozen with Equifax ).
When I called to attempt to fix this, at on the first couple attempts I was told that my account is unfrozen and the banks must be wrong. Then I was able to call someone who said they could see the legislative freeze,  but that their attempts to fix it failed because the " system was updating '' and I need to call back later. I've called since then, but I'm told that I failed verification and that I can not get any help over the phone.
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

Freedom Mortgage company is my lender for my home. They reached out to me in XXXX XXXXto offer a refinancing proposal. I accepted the option for a lower rate. I disclosed that I had a bankruptcy. They got back to me and shared that I was eligible for the refinancing. 
I contacted my bankruptcy attorney and got approval from the court on the refinancing and provided the documents to Freedom Mortgage. They called me on several occasions with statements that it was in process over the last XXXX months. They then stated that if it goes to end of XXXX I will be charged a fee. I am very concerned that this company does not have the appropriate staff providing accurate information. I dont know who to officially turn to. 
Account loan number XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (VA)

american express keeps calling my house regarding my son who does not live with me and i don't know any of his business. i told them repeatedly not to call my house and they have my ; sons number which they could call but instead they keep harassing me and want info about my son which i don't have. i have been in the hospital for the past month and a half and my phone caller id is loaded with their number since i just came back home yesterday from hospital. they need to stop calling my house and threaten me. i have no business with this company and don't owe them anything.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having issues accessing the site to receive my Trans Union and XXXX  Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Around the middle of XXXX I checked my credit report and seen a new added collection from XXXX XXXX i immediately looked into the account to try and gather any information I could about the unknown debt. The first action I took was to dispute it with all 3 credit bureaus, and I also wrote the collection agency as well to get this resolved. I waited 30 days to hear back from both parties. I looked more into the negative information and it reports the debt was opened in XX/XX/XXXX for XXXX original creditor was XXXX XXXX now I'm more upset at the negative information because I been with my light company past 2 years so could i open a new account with them. XXXX comes back and says it's verified as my account which is impossible. So I looked into the FDCP section 809 and read upon the unfair debt practices I should have received a letter which gave me a right to dispute. So I decided to call and ask about the account. I asked the lady why are they reporting inaccurate information on my report and to verify the address. She tells me the debt was XXXX and gave an address of a city I never lived in now I'm really confused how did XXXX verify this debt was mines when the information clearly doesn't match. I'm currently trying to buy a house and it's very unfair to have a debt pop up out of nowhere and for them to tell me it's from XXXX that's a 6 yr old debt with a city I never lived in that my credit report is suffering behind inaccurate unverifiable information.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

XXXX XXXX of XXXX XXXX XXXX XXXX NC XXXX, ShellPoint Mortgage, account XXXX last four of SS XXXX On XX/XX/XXXX I received a notice of insurance lapse from ShellPoint ( no insurance lapse happened and I can prove that ). I had my XXXX agent fax proof of insurance. After that I received a second notice and a third notice, I contacted ShellPoint and they found proof of insurance. I thought that had been handled. I requested a pay off in 2nd week of XXXX. I received a XXXX charge for forced insurance, XXXX charge for inspection fee and a XXXX late fee. I was surprised since that had been handled. I found out last night my agent sent proof for XX/XX/XXXX until XX/XX/XXXX. I didn't prove I had insurance for XXXX and XXXX of XXXX. Which I was not contacted for proof of that time period since it was in XXXX and my insurance renewal runs from XXXX to XXXX. The XXXX inspection is fraudulent too, no one came out to my home. I'm always home and I have cameras. If it was a drive by picture why charge so excessively. I highly doubt anyone came out, I'd like to see these " photos ''!!! It's been a nightmare with ShellPoint, I'll make a payment and it does not credit to my account. I've had to email a screen shot of my billpay payment 3 times. Incompetents, lack of training or thievery? If I had made a money order payment and lost my receipts I'd be out of that money. I don't have extra money to make repeat payments! I'm not the only one having problems with ShellPoint Mortgage. Their reviews are 1 star. Please investigated this company!
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TX)

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account. 

Here is the transcript of my conversation with Paypal regarding this issue
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX
Consumer complaint received 2021-04-10
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: EQUIFAX, INC. (MN)

On XX/XX/XXXX, my wife tried reaching out to Equifax to remove a freeze we placed on her credit from when they mishandled our information and they were hacked in XXXX. 

When we called the consumer line, the auto verification process wont allow her to get through. We tried 5 times ... each taking many minutes, and getting the we cant immediately verify your information. Please complete this request online. 

Great ... so we go online and go to set up an online account. It states weve created an account previously and to recover it. 

Then when we try recovering, it states There is not account matching this information - please call in To get an agent on the phone it is required that you pass their auto verification check. 

So I go through the process with my information. I finally get through to an agent. I tell him the issues were having. 
His XXXX is absolutely terrible and I have to explain my issue many different ways. 

He responds thats a common issue were seeing with the online accounts. Im going to transfer you. 

He doesnt transfer me. He puts us back in the queue. We have to go through it again and start over. 

This time when I try to auto verify my information, it says that we cant process the request and would need to complete it via mail or fax. 

When I go to the equifax site, there is no place to complete the process that way or find any forms. It simply tries to get us to register for an account, putting me back in the same loop. 

It is absolutely astounding that such an incompetent agency is in charge of the credit for millions of us. 

They messed up with mishandling our information, and for some reason were unable to make any progress when reaching out to them.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I found out a few days weeks ago that I had something on my credit when I went to go buy a house. After which I called the company who had it and found out that they did not notify me or give me the proper time to contest or pay it without it impacting my credit report. I reached out to the company in regards to rectifying the situation. I found out that they had an address that I have not lived in since XXXX. Then they said, well we have a XXXX XXXX XXXX I checked with the postmaster and got a list of mail delivered to my XXXX XXXX since XX/XX/XXXX when they reported this to my credit report, the same day they purchased the debt. Found out that it was XXXX on the dollar. After speaking with them I asked them how we can handle this and get it removed. I was never notified of it and was not given the proper opportunity to contest it or pay it. They did not want to comment but did want to make a payment arrangement. I said, well how about I just pay it in full, can we get it removed? They said, if you pay it today we will update the credit reporting agencies immediately to show paid and closed. Then after 30 days of the payment posting, we will remove it. I asked for it in writing, which they sent me a letter just saying they would remove it after 30 days I proceeded to pay the full amount of {$1800.00}. So, after about 5 days they sent one Update to my employer, XXXX, but it does not say closed, it just says XXXX balance and open, and they did not update my other two with either status. Now come to find out they after today XX/XX/XXXX after getting a background check they filed a XXXX XXXX complaint to levy my bank account for the full amount as opposed to the amount they paid for it ( {$140.00} ). ( XXXX ) http : XXXX? XXXX XXXX never provided proper notice for me to be able to defend myself nor did they verify the information and validity before providing the court with this information. NOW, to add to this further, after getting a fully detailed report on my credit report, I found that they falsified the information on my credit report saying I owe them more ( {$1900.00} ) than what they actually bought and made appear like I made a payment. This was to impact my score more than it should have been from the original creditor ( {$1800.00} ).
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My problem is my girlfriend of 10 years obtained my Social Security number and has it memorized and has opened numerous things in my name let them go to collections found out recently she opened a couple credit cards on my name one of them went to collections couple of them I just never opened she also shut down one of my bank accounts and yes she is a hacker I just found this out she tried to do deny it every time I bring it up she makes a big fight shes contacted police and put fake police reports on me three separate occasions on the reason I didnt know about it is I was in love with her and I am in love with her but she needs to go to jail for this so she cant do this to another person she has completely ruined my life I lost two awesome jobs from it I cant even get an apartment because of her its bad her name is XXXX XXXX but she still has her name in XXXX XXXX as well which was her ex-husband and she changed her name back to XXXX but she still has credit cards in the slot her name shes a very bad person and she needs to go to jail her address was XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX she recently just moved and is getting a apartment at the end of the month
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: ROBINHOOD MARKETS INC. (MA)

RobinHood Markets won't let me access my account and has had it restricted for over a year. They restricted it when an XXXX trade was halted and restricted from purchase. At this time a deposit didn't clear but it did not cost them anything because once I realized they had restricted the security for trading I sold the security for the alleged deposit. When the deposit didn't clear it was because they restricted the purchase of the stock. I don't want to shut the account down, but I do want to access funds which I already had in there before said trade.
Consumer complaint received 2020-06-03
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. (MD)

My complaint is against Equifax, XXXX  and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (TN)

on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

I was reported to the Aldous & Associates for collection of a debt for 2 gym membership accounts. The name of the gym is XXXX XXXX. On XX/XX/20 I went into the gym and spoke with the General Manager named XXXX and satisfied BOTH accounts. I also rejoined the gym and got a new membership. XXXX stated he was going to email Aldous & Associates the same day to inform them the accounts were satisfied. The next day I called Aldous & Associates and spoke to a very rude man who stated he was not going to remove these accounts and he does not care what the General Manager at the gym says. He said he made his final stance and will not change his mind and the accounts will remain on my credit reports until I pay them ( Aldous ) the FULL balance and hung up the phone in my face. I then called XXXX at the gym to inform him what was said to me about the accounts. He was shocked to hear this information because he said this has never happened. 

I don't know what to do at this point because Aldous & Associates are VERY rude and really needs to be closed down.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX XXXX. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after XXXX XXXX opened more than 4 accounts in my name, charging me extra each month on each account.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (IN)

I HAVE A CARD WITH XXXX XXXX CARD BY XXXX XXXX XXXX AND HAD ACCOUNT ASSURE IN XXXX TRIED TO FILE CLIAM BUT WAS CLOSED BY THE BANK W/O KNOWLEDGE TO CONOMER.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-04-13
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. (CA)

I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information
Consumer complaint received 2020-06-02
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: Conn's, Inc. (LA)

I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AL)

Last Thursday I received a letter that all of my US Bank Credit Cards are closed. 

Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. 

When I called the US Bank representative I was told that my account was closed Due to the Extra Risk to the bank because of my purchases. It completely contradicts what is in the letter. 

I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Salary Finance Inc (IL)

Salary Finance approved a loan of XXXX in XXXX of XXXX. Payments were made weekly and account was paid in full XXXX of XXXX Credit Bureaus report no payment since XXXX. Account was disputed through bureaus with proof of paid off statement from Salary Finance. Salary Finance claimed account balance was still at XXXX and last payment was XXXX of XXXX and my dispute was dismissed as they said it was being reported correctly.
Consumer complaint received 2022-04-26
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX, Experian XXXXXXXX XXXX XXXX Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to XXXX, Experian, and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided XXXX with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.