davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (TN)

I have already submitted a complaint and the company called Direct Recovery ignored the complaint and keep harassing my sick mother. They have ignored the first complaint submitted to you and now I expect you to take action. They have broken the law when you told them to stop. The phone call was made today XXXX
Consumer complaint received 2020-12-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Due to the COVID-19 crisis, my employer cut my income by 25 % starting in XX/XX/2020. I placed my mortgage in forebearance as allowed on under the law. My full pay was restored in XX/XX/2020. Since that time, I have made {$11000.00} in catch up payments and currently am not in default for my XX/XX/2020 payment. Despite this fact, LoanCare, XXXX  XXXX  XXXX, falsely reported on XX/XX/2020 to the the credit bureaus that I am delinquent. I called on XX/XX/2020 and explained that the reporting is a mistake. I spoke with XXXX ( ID XXXX ) and she spoke with her manager, XXXX XXXX ID XXXX XXXX who stated that they are placing the report to the credit bureaus under review but that there was nothing that they could do otherwise. The review takes thirty days. The problem is that I am scheduled to close on a refinance on my home by the end of XXXX. I would be grateful if the CFPB could remove this false delinquency from my credit report. I obtained a permitted forebearance under the law and made good faith payments to catch up the mortgage and am a victim of false credit reporting.
Consumer complaint received 2021-06-04
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. (AZ)

I mailed in a notarized FTC report to Experian and called a day later to follow up. The rep hung up on me within seconds. I called back today because I still didn't get a response and they hung up on me after they said they would verify if they received the FTC report. I can't get through to them and they aren't taking my file seriously. Identity theft has caused me major damages over the last year, leaving me with unauthorized inquiries on my credit report. According to the FCRA, by law, unauthorized inquiries must be removed. I have filed an FTC report per my lawyer.
Consumer complaint received 2020-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (TX)

I requested for a hardship modification with upstart almost 3 weeks almost month ago I have not heard anything back from them and they keep saying they're going to get back to me and that's not happening this may cause negative credit reporting. 

I previously submitted for a hardship program same information nothing 's changed it was done rather quickly
Consumer complaint received 2017-11-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (WI)

I WAS NOTIFIED BY XXXX XXXX THAT MIDWEST RECOVERY PUT XXXX IN COLLECTION ( RECYCLED COLLECTION 3RD PARTY ) FROM XX/XX/XXXXTHIS WAS CANCELLED BY THE STATE OF WISCONSIN BACK IN XX/XX/XXXXTHIS COMPANY WAS A PAY DAY LOAN THAT OVERCHARDEG HIGH INTEREST, IT WAS REMOVED FROM MY CREDIT REPORT, NOW IT WAS OPEN AGAIN ... ..FOR XXXX DOLLARS THIS COLLECTION AGENGY FAILED AND BROKE WISCONSIN AND FEDERAL LAW I THINK -- -- 1 THEY FAILED TO CONTACT ME BY MAIL WISCONSIN LAW CH 427 WISC STATS 30 DAYS MY RIGHTS THAT I HAVE ALSO ENFORCING PAY DAY LOANS IS NOT LEGAL IN WISCONSIN ... ... THAT ALSO INCLUDES WITH FEDERAL LAW THAT THEY FAILED TO CONTACT IN WRITING, THIS IS CAUSED MY CREDIT SCORE TO GO DOWN BY 40 POINTS, I AGAIN THIS DEBT WAS TAKING CARE OF BACK IN XX/XX/XXXX ... LOOKING ON THE LAW THE VIOLATED THE FAIR CREDIT ACT USC 1681 SUBJECT TO XXXX DOLLAR FINE I WANT THIS REMOVED RIGHT AWAY, AND NOTICE TO THE CREDIT BUREAU
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I spoke with a representative in the recovery department of FIFTHTHIRD BANK name XXXX on XX/XX/XXXX, regarding a balance owed on my bank card in the amount of {$970.00}. XXXX advised me if paid in full, FIFTHTHIRD would remove this account from my credit report within 30/60 days. I processed the payment in full using my debit card with XXXX on XXXX/XXXXXX/XX/XXXX. I noticed to date that item is still showing owed on my credit report. I called FIFTHTHIRD on XX/XX/XXXX and spoke with a young lady in the recovery department, who was extremely rude, told me that FIFTHTHIRD was not responsible for advising the credit bureaus that the account had been paid, even though I was guaranteed that it would be removed, but that I would have to file a dispute with the credit bureaus. I pleaded with her to get me to a supervisor because I am desperately trying to repair my credit to buy a home. She repeatedly said be patient and file a dispute, and eventually hung up on me. Item was not only, not removed, but never updated. On XX/XX/XXXX, I received an alert that my credit score dropped by 27 points. I called XXXX directly and it was confirmed that it was due to the FifthThird account showing even further delinquent on my credit report. Needless to say, this account is still sitting on my credit reports stating a balance due of {$970.00}. This bank has set me back so far due to their misrepresentation and lack of keeping their recorded commitment. 
Please, compel FIFTHTHIRD to honor their word and remove this item and hopefully Ill get those lost points back, and never deal with them again.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

A balance transfer in XXXX of 2020 for {$5100.00} was initiated and Citi sent the check to the proper address but the name of the bank was wrong. That check was cashed at XXXX  XXXX XXXX. Since the bank name was wrong it never paid off the balance it was supposed to. 
I contacted Citi about the mistake and Citi sent another check for {$5100.00} to the same address but this time with the proper bank name and this time our balance was paid off. 
Now Citi wants to charge me {$10000.00} for one {$5100.00} transfer!!!!!!!!!!!! 
They tell me to find the missing check!!!!!!!! 
They tell me to call XXXX  XXXX XXXX and find it!!!! 
It says pay to the order of XXXX XXXX XXXX on the back of the check!! 
XXXX  XXXX XXXX will ; not talk to me because I do not have an account there!!!!!! 
Citi knows where the check is!!! 
They admitted it!!! 
Citi tells me they will call me back but they don't!!!!!! 

I am tired of being lied to, shuffled around and ignored!!!!!!!!!!!!!!!!!!!!!!!! 

FIX THIS!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-12-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.
Consumer complaint received 2020-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently completed a loan rehabilitation of my XXXX XXXX loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX and XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX and XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX and XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.
Consumer complaint received 2020-12-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

At XXXX I got notifications a XXXX transaction was made for {$240.00}, however I didnt make that transaction and my bank is holding me accountable for it even though I was dealing with a flat tire at that time! Also they said they cant help me. Well they are my bank they have to help me its a transaction to a unknown person Ive never met or heard of I think its unfair.that someone got a hold of my accounts
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America withdrew {$400.00} from my checking account without authorization. Making my checking account go negative. This is the second time the bank does this to me.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (IL)

Creditkarma has been reporting false information from : places of employment and credit score to certain items on my credit report, just to try and sell me on getting loans or credit cards with high interest due to the damaging information on my credit report. I have also contacted some of the original creditors and the credit bureaus about some of the incorrect information on my credit report and have been told that they either have no idea why its on my creditkarma report or that they have contacted creditkarma to remove certain items and creditkarma either didnt want to or just ignored it. This is damaging to my financial life and is preventing me from getting a fair interest score when applying for crediy
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Issue transpired in XXXX 2020 with BB & T Home Mortgage sending a letter requesting my home insurance info as they had no record of insurance. I callled them back and told them the policy was in effect and was same insurance company and same sturcture policy our Condo has had for 10 years and they have contact info. Gave them the Insurance company contact info again ( same last 10 years ) and they actually called them while I was on hold but the Insurace company call went to voicemail. They said they left a note and would call back. I checked back a week later with BB & T who had done nothing, then with our Insurance company and they had not received a required email/fax requesting info. But BB & T was saying they would now purchase Insurance for me as they did not have the information. But would apparently not try to validate my insurance info. I vehemently protested their lack of effort to verfiy info. I then contacted our Insurance company, sent them the original letter and our Insurace company proceeded to send the insurance policy info that very day. Called BB & T next day, told them policy info had been faxed to them. They said to call back to confirm as needed to be processed. I called back a week later and they acknowledged ploicy info and did not purchase insurance for me. But now they say they want my personal home insurance policy info. They have never requested this before in over 10 years, but said it is required. They have sent a letter now in mid XXXX requesting this info. 

I went through this same issue with BB & T 6 years ago and their lack of effort to verify policy info. It's clear they systematically try to set up a pressured, quick response situation to allow them to justify and purchase their own expensive insurance. The situation is very predatory. It seems like BB & T is targeting seniors also. 

And now they are requesting my personal home policy info that they have never requested before. I have have personal home insurance in effect, including hurricance coverage. Their is no documention this info is required or necessary. Again, trying to set up a pressured, fast response siutation to justify forcing the consumer to pay for their expensive insurance. 

I filed complaints 6 years ago also. And now they want my personal home insurance info they have never required before.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MN)

PayPal has a service called PayPal XXXX, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

On XX/XX/2021 I received 6 refunds in regard to transactions I made at XXXX, XXXX, and XXXX using my PayPal XXXX  at the end of XX/XX/2021. On or around this same day, my PayPal  account was permanently limited for undisclosed reasons. I am unable to access these funds, and/or receive refunds from any outstanding transactions. 

The following transactions were refunded to my PayPal account, but I am unable to withdraw : XXXX {$4900.00} XXXX {$3000.00} XXXX {$4300.00} XXXX {$1900.00} XXXX {$3000.00} XXXX {$3000.00} I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX These transactions were for personal airline tickets in my name I purchased using my credit card through PayPal XXXX. These flights were subsequently canceled, and refunded to me. It appears these refunds have been going to my PayPal cash balance, not the actual underlying credit card used on my PayPal  XXXX. Because of this, I essentially have $ XXXX in credit card bills, but PayPal has held the refunds as theirs! 

I am respectfully requesting the release of my funds. These funds should have been refunded to my underlying credit card. I can not be charged for a transaction that was canceled and refunded and have my funds held. I request either the release of these funds, OR the return of these funds to my underlying credit card that was charged by PayPal XXXX. 




I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX Additionally, I am requesting the return of my funds for these 2 above transactions that were unable to be refunded by the merchant. I am unable to dispute this transaction with the merchant because PayPal has limited my account and dispute access. Essentially PayPal is not allowing the merchant to refund me, and I can not open any dispute or inquiry into this matter because PayPal has limited my account access!
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXXXXXX XX/XX/XXXX {$520.00}
Consumer complaint received 2024-02-25
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-03-24
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

On XX/XX/2020 around XXXX, I received a text alert from Netspend that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from XXXX XXXX XXXX XXXX XXXX FL . I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I have had direct deposit of my VA XXXX checks with Netspend for over 10 years. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. 

The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from XXXX XXXX ) posted to my account with the following memos : Signature purchase from XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute over the phone and also a written dispute via fax and email as instructed on XX/XX/2020. I was told that I would get a provisional credit as they investigate my claim ( # XXXX ) however, as of XX/XX/XXXX Netspend stopped replying to my secure messages online, and when I called about a provisional credit to pay my rent and bills that are due by the XXXX, the CS gave me the runaround aside for stating that my claim could take up to 10 days ( XX/XX/XXXX ) to investigate and that a provisional MAY be issued if it takes longer than XX/XX/XXXX. I was on hold for a supervisor for over 2 hours before they hung up the call. I have called several times about this and I have no resolution. 

I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe that Netspend is withholding my money because this is an inside job with an employee of Netspend and an employee of XXXX XXXX. 

Please help me, I want all my funds back and to be made hold. I suffer from major XXXX XXXX and XXXX XXXX, since the day this occurred, I have been under undue XXXX unable to XXXX  and enduring several XXXX XXXX a day. I need help immediately!