davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Do you see the notation on the CFPB web site ... '' INVESTIGATION YOOK MORE THAN 30 DAYS ''. That is the law. YOUR INVESTIGATION TOOK MORE THAN 30 DAYS THEREFORE, WHAT YOU INVESTIGATED OR WHAT THE COMPANY TOLD YOU AFTER THE 30 DAYS IS IRRELEVANT. YOU DO NOT GET ANOTHER 30 DAYS. THAT IS NOT HOW THIS WORKS. STOP BEING COMPLETE IMMORAL MORONS. 

DELETE THESE ITEMS BECAUSE YOU ARE BLATANTLY BREAKING THE LAW.
Consumer complaint received 2017-12-11
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. (OH)

In the credit report the balance on the XXXX XXXX XXXX mortgage account is incorrect it is stating {$0.00} paid as of XX/XX/XXXX. The payments on this account are current last payment in the amount of {$490.00} was made on XXXX/XXXX/XXXX the current balance on the account is {$35000.00}. The bankruptcy was discharge inXX/XX/XXXX the mortgage was not included in the bankruptcy. The statement on the account " delinquency due to extended unemployment '' was put the report prior to the year XX/XX/XXXX. It also states the information would remain until XX/XX/XXXX which is well over 10 years and should be deleted.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

Was contacted by company stating I was past due on payment. Notified them that I have not used card since previous one expired in 2020. I had never received another card nor activated one. The person I spoke with would not listen as I explained I have made no charges and kept interrupting me to ask for a payment. I again explained that these are not my charges but again was told to make a payment as if they were reading off a script and not listening to me. I will not make payments on charges that are not mine on a card I have NEVER received and NEVER activated. And I didn't even hear from this bank until months after they claim there were charges. Plus this is a different bank then the one from when I originally opened the account. I refuse to pay charges that are not mine and this is a TERRIBLE company that will not listen when I explain these are not my charges. I've had impeccable credit & would have no reason to randomly jeopardize it now but I will not be bullied by horrible companies with no customer service demanding payment from me on unauthorized charges.
Consumer complaint received 2021-08-19
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. (LA)

Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but Equifax and XXXX is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but XXXX and Equifax is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX is.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH XXXX XXXX, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE XXXX XXXX SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.
Consumer complaint received 2020-11-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

On XX/XX/2020 Medical Data Systems INC, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, MEDICAL DATA SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2020-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2020 my girlfriend sent me money to cover the amount needed for a bill. On XX/XX/2020 I discovered that a limitation was placed on my PayPal Inc. account, -- -- -- -- -- -- -- -- -- -- -XXXX. I was not given notification as to why this occurred, or how long it would take to be resolved ... only that they required a copy of my driver 's license AND a photo of the debit card I had on file, which I already find highly suspicious in this age of Identity Fraud. However, I sent in the proper documentation, and when I attempted to contact a LIVE person via the issue, I was not able. There was no response via the " contact us '' option, and even the customer service phone number, which was supposed to be available 24/7 was entirely automated and stated, " there are no customer service representatives to address your issue at this time. '' and AUTOMATICALLY DISCONNECTED. I am NOT ABLE to make any changes regarding the card they have on file, I am not allowed to close my account, and I am not allowed to transfer the money into the back account. PAYPAL IS HOLDING MY PAYMENT HOSTAGE, AND WILL NOT TELL ME WHY, HOW LONG IT WILL TAKE, NOR ANSWERING ANY OF MY ATTEMPTS TO MAKE CONTACT REGARDING THIS ISSUE. and I can not even close out my PayPal, Inc. account. I want to to be contacted by A PAYPAL INC. MANAGER, THE LIMITATION LIFTED OFF MY ACCOUNT ( as there should be ZERO reason why it was placed to begin with, as I've been a customer for nearly a decade ) AND MY MONEY TO BE TRANSFERRABLE TO MY BANK ACCOUNT. They are simply holding it hostage, collecting interest on it somewhere, and refusing to deal with customers regarding this highly suspicious, borderline illegal practice. 
In addition, there are HUNDREDS OF COMPLAINTS, regarding this issue, via the community message board in paypal, and also the XXXX XXXX XXXX as well. The consenus is that paypal refuses to acknowledge why limitations are placed on accounts, and it takes MUCH longer to resolve these issues than the customers were being told. In addition, the services representatives, when customers HAVE been able to access LIVE people, have been severely rude.
Consumer complaint received 2017-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I was approved for a loan modification without the borrower signing any of the request for the loan Modification. after paying three months trial period. I received paperwork from Penny Mac! requesting for the borrower to sign the final mod documents. The borrower did a quick claim deed to me which I 'm the co-borrower as he was no longer interested in the property. I asked my mortgage company if there was a way I could get all docs signed without borrower due to the quick claim deed. They advised that he had to sign the documents or they could n't go through with the Modification. My home is now in foreclosure sale date is set for XXXX/XXXX/17.
Consumer complaint received 2020-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX and XX/XX/XXXX my bill of XX/XX/XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me to resolve this issue when pay payment was automatically set.
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion continues to violate the federal credit reporting act by stalling to remove accounts that are related to credit transaction and also relating to the privacy of my consumer report. I requested in XXXX and XX/XX/2021 and they still come up with lies of validation. I am the original creditor pursuant to 15 USC 1692g and only I can validate. I've attached documents of the FCRA law requesting deletion of all accounts listed.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (UT)

Police report XXXX is attached. XXXX XXXX has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I constantly reported to Experian that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at Experian said that they can't put late payments on a collection when there was no agreement to pay.
Consumer complaint received 2020-12-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

Navient has begun a harassment campaign against me by making many calls per day to my phone number from different states and at all times of day. This has resulted in a confusion between these Navient spam calls and important calls that I get during the day. I have missed an important call from a personal contact because the call was filtered out as spam along with the unreasonable amount of spam Navient calls. Navient 's phone call harassment campain against me can not continue because it might lead to me missing an urgent call for help from a family member or friend and the results could be disastrous. 

I demand that Navient immediately cease spam calling my phone number because this presents a tangible danger to my family and other contacts.
Consumer complaint received 2021-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascendium Education Group (WA)

I have been an XXXX XXXX  member for 13 years plus and when I applied for a student loan with the Dept of Education in 2008 I was approved for the XXXX this loan was given to me via Ascendium and the US Dept Of Ed. I have had the loan in forbearance several times with intention of using my education awards to pay this loan in time, I recently was informed that tis loan was in default and I owed a sum of {$9500.00} for a loan of only {$3700.00}!!! I as an XXXX XXXX XXXX XXXX member find this excessive interest rates XXXX and unacceptable at the time of the loan I had no understanding of the 6.8 percent interest on this student loan coming form the department of education!!! I have never heard of such a rip off of the student loan process!!! I need help reducing or canceling this loan as I have made several attempts via myamericorps.gov portal to pay this loan with no success and it continues to increase my interest apart from the covid-19 protocols someone needs to raise this issue to congress as XXXX students like myself have been placed in this situation base on my race credit and lack their of this is a violation of my civil rights to equal treatment and I want to raise this issue as high as it high as it can go to expos this travesty in the XXXX community!
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Global One Arbitration Inc. (AL)

Complain XXXX XXXX XXXX XXXX, XXXX of legal age, with email XXXX, and in my capacity as owner of the policy XXXX with an effective date of XX/XX/2019, as I certify with the document attached to this email, I respectfully appear to expose : That I have come to file a complaint against the company XXXX  XXXX XXXX XXXX XXXX with address at XXXX XXXX XXXX, XXXX XXXX TX XXXX E.U.A. 

That on XX/XX/2019, the undersigned carry out a contract called offset transaction, which had the objective of terminating the contractual rental relationship with reference XXXX, which I attached to this document in format pdf in order to prove my saying. 
From said contract at the point indicated with number 4, a policy that they would have to pay emerges which has as data the policy XXXX, single folio XXXX, document series XXXX, with settlement date XXXX, for an amount of {$7600.00} USD, and which covers the amount of {$310000.00} USD.
Consumer complaint received 2021-04-08
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: Fidelity National Information Services, Inc. (FNIS) (MO)

On or about XX/XX/2021 I attempted to open a new checking account with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mo XXXX and was mailed a letter of denial stating ( Based on information received by ChexSystems, a consumer reporting agency ) Letter sent have a phone number of XXXX to call and obtain a free copy of my credit report, however when calling said number the auto mated systems continues to hang up and say call later, I called ChexSystems customer service on or about XX/XX/XXXX at XXXX CST and was hung up on several times by their representatives they are refusing to provide me a free copy pursuant to the FCRA and are reporting inaccurate information and not allowing me a opportunity to dispute it!
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc. (FL)

I am receiving calls from Total Visa at XXXX XXXX XXXX weekends nights holidays even on a Saturday night demanding money but my bank refused to pay them last XXXX. He never made a demand for money but just calls. I do not know what he is talking about. 
He says Total Visa told him to call me at XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, New York XXXX but I am on XXXX which is exempt from lawsuit and garnishment but he says that is only the law and he does not have to obey it. 

He issued nothing in writing just threatening abusive phone calls.
Consumer complaint received 2020-08-31
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. (CA)

I am a Victim of Identity Theft and Experian has not been given the protection and service that is required by law for someone who is a victim of Identity Theft once they provide a completed FTC Identity Theft report and valid proof of their identity. 

I have made numerous attempts both over the phone AND in writing to get them to BLOCK fraudulent information ( see the attached for details of the accounts I am referencing ) discovered on my report and all I have received back from them is bogus responses saying that the companies CERTIFIED to them that the information is true and correct. First, they did NOT immediately block the information which they are required to do by law as long as they receive a true copy of the FTC report and valid identification. Second, they sent me a response letter saying that the companies CERTIFIED to them that the information was correct. By law they are supposed to VALIDATE by retrieving and providing ME with a valid contract with my signature on it. They have refused to follow the law and it has hurt both me and my family tremendously by not allowing us the opportunities to rebuild our credit due to these fraudulent accounts keeping my credit score down in the dumps. 

Experian has been horrific with their customer service and their willingness to follow the law, and it HAS TO STOP. I am doing everything I am required to do by law and all I am asking in return is that Experian do the same by BLOCKING the fraudulent accounts which BY THE WAY both XXXX AND XXXX did without hesitation once I notified them because they KNOW and FOLLOW the LAW.
Consumer complaint received 2021-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.