davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (AL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It Also states consumer reporting agency can not furnish your account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-03-24
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: Paypal Holdings, Inc (TX)

The transaction was dated XX/XX/2021 it was a purchase that i made for a bag i bought thru XXXX  XXXX  since there was no purchase protection on it the seller wanted to use paypal since it has purchase protection. When i finally paid it online it finally paid it online it did not appear to be payment to friends and family which paypal says thats what i did! Two weeks later i got something in my mail it was a card from the seller that say thank you thats when i realized i got conned, i was mad i called the same day and reported it to paypal and filed a complaint that theres nothing they could do as they already gave the money to the seller same with XXXX the card that i used to pay on paypal they closed my case saying that paypal provided a tracking number proved that the seller sent an item which 3 months later i still haven't got anything except fir the thank you card. I need help getting my money back! Thank you in advance..
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

i called the company about them saying i was 18 months behind. 
I said i have been paying every month at the agreed amount, it has been taken out of my account every month they said the only way to take off my report was to pay in fool. Which is not what they agreed to. I gave the dates that we paid and they have records of all payments. Is says on the statement that we are on a payment plan.On their statement they have all our payments.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I had XXXX  and when covid first hit we were no longer working so I disconnected my service to get the free service for low income since I was on public assistance because it was the height of the pandemic where thousands were dying a day there was no way to return equipment every the was closed and the rep that closed my account said there is nothing that can be done and that my account balance would be XXXX. Since then I've had 4 different collection agencies including the most recent that put the XXXX back on my credit reports each time it has been put on I dispute it the XXXX agencies remove it and then it passes to a new collection agencies it feels like a scam and the current one XXXX XXXX XXXX never contacted me no notice or phone calls nothing at all and less than six weeks ago it was a different collection agency I spoke with them exploit the situation and she claimed to dispute it on her end I never heard anything else from XX/XX/21 when we spoke and when I checked my credit since I was planning on moving I see that it bas now changed hands again and its this agency now I can't even move my credit is ruined and they have been doing this to me through I the entire pandemic even when I contracted XXXX  and felt like I was XXXX I had to stop and dispute this while shivering with XXXX XXXX I would really like this to stop please make these people stop doing this too me my life was destroyed by contracting XXXX losing my job and now my credit is completely ruined because I never owe anyone no matter what I was going through financially I even took loans out that I'm still paying back now to survive and make sure I pay all my bills on time
Consumer complaint received 2021-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have tried unsuccessfully since XXXX of XXXX to get Specialized Loan Servicing to close a HELOC which was never used / never had a balance. I have called more than 10 times, followed their online instructions as well as those received from their customer service reps, sent emails to various email boxes provided by them and even emailed their CEO, COO and Head of Customer Service - all without resolution. 

My first email requesting closure was sent to XXXX on XX/XX/XXXX and contained all required info ( payoff statement showing XXXX balance generated from their website, my driver 's license, etc. ) Upon inquiring why the account had not yet been closed on XX/XX/XXXX, I was told the email must have been lost and could I resend. I did so on that date but was instructed to send it to XXXX. I was assured the account would be closed by a supervisor by end of business. 

Later it was clear based on my online inquiry that the account was still open. I spoke with XXXX XXXX rep ID XXXX ) on a date I didn't record and XXXX on XX/XX/XXXX - both asked me to repeat the same process and insisted it would work this time. It did not. 

On XX/XX/XXXX, Specialized Loan Servicing sent a letter saying that I needed to provide homeowner 's policy information or they would force place insurance on my account - clearly it still has not yet been closed. I spoke with XXXX ( rep XXXX ) on XX/XX/XXXX at XXXX who again asked me to repeat the same futile process. I requested a manager and was told one would call within 24 hours - I have received no such call. 

Also on XX/XX/XXXX, I emailed all prior correspondence to the CEO, COO and Head of Customer Service at SLS. I have received no response from them. 

I am now at my wit 's end as to how to close this account - Please help me!!!
Consumer complaint received 2015-12-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

My PayPal balance of {$5400.00} has been withheld by PayPal. I already submitted XXXX complaint about this issue, and yesterday, PayPal filed a reply, promising : " On XXXX XXXX, 2015, PayPal made your full Account balance of {$5400.00} available for withdrawal. '' However this is not true. I have tried many times today to withdraw my balance as promised and the account is still blocked. I can not initiate any withdrawal.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK (FL)

I been trying to get a credit card for the longest. I never had one and every time I sign up I get declined. I want to have a chance so I can build my credit. So can y'all please help me thx.
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Ocwen never provided us with a XXXX-1098 form for one reason only they did not service us when our mortgage transfer due to the mortgage scandal. 
I dont care what letters they have provided in our original complaint. 
They have provided us with documents from XXXX to the present minus the 1098 form for XXXX
Consumer complaint received 2021-02-09
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. (KY)

Experian never investigated my dispute against XXXX XXXX XXXX. My complaint is that the collection amount reported to them is not mine, because it isnt. Experian never investigated as XXXX is unable to confirm anyone from Experian ever reached out for any confirmation or investigation whatsoever. What I did experience throughout the process was a constant bombardment of credit offers and sales promotions. Experian advertised a service they didnt attempt to provide.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Between XX/XX/2023, and XX/XX/2023, XXXX XXXX XXXX XXXXXXXX credit card balance decreased by {$14000.00} from {$14000.00} to {$27.00}. 

At that same time Trans Union cited this decrease in the amount owed to XXXX  XXXX XXXX as justification for DECREASING my credit score by XXXX points! 

Trans Union has refused to explain this change in my score. They responded by merely sending me a copy of my credit report.
Consumer complaint received 2021-03-24
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. (WA)

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.
Consumer complaint received 2017-12-06
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. (ND)

There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We refinanced with Citizens Bank our existing equity loan with XXXX to have it paid off on XX/XX/XXXX. This payoff to our existing account with XXXX was to be be paid on XX/XX/XXXX as shown on their loan documents ( copy attached ). 
To date we have contacted Citizens more than 10 times beginning XX/XX/XXXX to no avail that the loan is still outstanding. Citizens has provided nothing but lip service from our inquiries with no resolution that the loan is paid off. They have refused to contact XXXX, even giving written authority, to attempt to remedy the issue. 
Currently I still have the loan with XXXX which I must pay while waiting for Citizens to remedy the issue. Meanwhile Citizens really has not shown any effort to remedy their mistake. 
We respectfully request Citizens be sanctioned and penalized for their their negligence in failing to payoff our loan timely.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and unemployment. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. Now I have XXXX XXXX contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX owner and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has been working 10-15+ hour shifts, driving over an hour to work. Can someone help me?
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

On XXXX XXXX, 2016 XX/XX/XXXX XXXX XXXX opened up an account for XXXX dollars in my name. This is an error because I never opened up an account with XXXX XXXX. I would like for this to be removed because it is having a negative impact on my credit score.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MO)

At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLOBAL PAYMENTS DIRECT INC. (MI)

I entered my bank account information at XXXX  and was approved for funds that were deposited into my Michigan lottery account to play with. 2 months later I am getting harassed by Global Payment Check Services for {$120.00} stating that it did not go through and I " was given the funds in advance and I still owe this ''. I told them they should not have approved this transaction if they didn't have the funds! I don't feel this is my fault and I was willing to work with them and pay half but they stated they could " do 70 % off but that's it '' ( making the total around {$85.00} ) I agreed to this and was transferred to a supervisor to complete the transaction. When I spoke with a supervisor he stated " no they will not do anything off or work with me and they do not want half they want {$120.00} or nothing ''. So instead of working with me and taking my money ( {$85.00} ), agreeing to take half and write the rest off due to their mistake, they refused my money and said all or nothing.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK (OH)

My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?
Consumer complaint received 2021-03-24
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: Paypal Holdings, Inc (MS)

I purchased an item I thought to be a legitimate merchandise from a XXXX " advertisement '', I paid it through my paypal account on XX/XX/2021. The item had never been delivered, as of todays date, XX/XX/2021. So on XX/XX/2021 I requested that Paypal dispute the charge and to credit the amount back to the source of payment, but Paypal has not resolved the dispute as of todays date. Whenever I go to the paypal resolution center, it says that it has moved the time for the resolution up 5 more days. IT has done that three times since XX/XX/2021. IT was suppose to be originally resolved by XX/XX/2021 but there has been no movement. The company XXXX XXXX XXXX XXXX, issued " fake '' tracking number, so as to not be able to track the paid merchandise, thus I believe it is a scam. IT was a split payment from two credit cards, through paypal. See Attachments of receipts/copy of disputes, invoices, etc.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (GA)

Upon reviewing my credit report I noticed that your agency have an inquiry on there from XXXX XXXX XXXX on XX/XX/2019. This is an unauthorized inquiry and I did not authorize or gave consent to this company. I do not have an account with XXXX XXXX XXXX neither have I signed or have any recollection of signing any documents with this company. This need to be investigated to show how this company got accessed to my file without y knowledge or consent.
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have asked Doctors XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.