davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I was buying a a puppy that was online and they required me to pay {$200.00} through PayPal and I try to cancel it was a scam I tried to get PayPal to refund my money and they refuse not to saying that he was a friend or relative and I did not know him or anyting and it was a puppy scam and I actually text to see if he would refund the money and he wouldn't so I try to work things out with him and he didn't want to do that.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (GA)

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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I just received a collections letter for a card that I never applied for or used, that is apparently from back in XXXX for a balance due now of {$5500.00}. I never graduated high school and have never had a job or income in my entire life. So don't understand how I could have gotten a card with no income or credit and be held responsible for it 17 years later! I do not owe this debt! I have never had or applied for a credit card in my entire life.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX has sent out letters to collect a debt in the amount of {$4700.00} for capital one but I didn't authorize nor give consent for XXXX XXXX XXXX to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (LA)

Account was charged off after repossession on XX/XX/2018. The co borrower filed bankruptcy but GM Financial will not disclose if this vehicle is involved in his bankruptcy. The account is still showing open and sent to recovery but in fact according to GM Financial it is charged off. The credit bureaus are not reporting as charged off.
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I've been attempting to refinance my mortgage for over 5 weeks now and new lender is being delayed due to an escrow closeout not being completed in FHA connection. It has been requested several times and not happened. 

Per HUD, the escrow closeout is a task that the lender who originated the loan ( i.e. the company whom you closed the loan with ) or the company who services the loan ( i.e. the one you send your mortgage payment to ) need to complete. 

Per new lender, this is preventing the case number from being transferred.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I filed for Bankruptcy in the USBK COURT XXXX XXXX OF OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

AARGON AGENCY INC XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed for Bankruptcy in the USBK COURT XXXX XXXX OF OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX XXXX 3 Seater Sofa XXXX from XXXX  XXXX  through their website XXXX under order # XXXX. 

Unfortunately, the sofa I received is defected and is not the correct dimension as advertised and verified by the XXXX XXXX Quality Control Department because the sofa was delivered today with the incorrect dimensions of XXXX vs XXXX, XXXX vs vs XXXX, and XXXX vs XXXX. 

To resolve the problem, I have contacted the merchant without an acceptable response to resolve the issue. Provided the merchant and Capital One all requested information to document the measurements of the sofa being disputed. Enclosed are copies all email communications with the merchant, written email communication from the merchant acknowledging the sofa delivered was defective with the incorrect measurements, receipt for proof purchase detailing the measurements advertised by the merchant, email communication advising the merchant on XX/XX/2019 the sofa is available for inspection and measurement by a XXXX XXXX representative or pickup for return at their discretion. 

Despite providing Capital One sufficient documentation to support the dispute claim under Claim # XXXX, your dispute claim representative has refused to continue my claim process and reapplied the disputed charge to my account for the amount of {$2500.00} on XX/XX/2019.
Consumer complaint received 2018-09-24
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX and XX/XX/2018, I started an investigation regarding Bankruptcy 's listed on my credit report. I sent Experian Letters that I received from the bankruptcy court that they do not report to any credit agencies Experian notified me by mail and closed the investigation on XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

Again, On XX/XX/2018 I faxed over a letter to Experian that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX. 

I've asked for Proof of who tolf them that information and they reverted e back to the court and court said they they did not provide the nformation. 
Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.
Consumer complaint received 2020-07-09
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. (MI)

I am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, XXXX, and Experian on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MA)

XXXX XXXX XXXX sued me over an alleged unpaid balance. During the court process the case was disissed with prejuidice. Subsuqent to this I have filed a dispute with all 3 CRA regarding this. Discover continues to tell the CRAs that the debt is correct. I then called Discover directly on three different ocassions ad they continue to report this debt even though they know the case has been dismissed with prejuidice.
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates ( # XXXX ) /medical? 

Not sure where this is coming from and have not receive anything in this name but is showing in my credit report and is hurting my credits!
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, TransUnion, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I reached out to all my creditors including care credit as I was closing some accounts and making payment arrangements you see late 2018 I lost my only brother and had to help my mother financially since then, My brother was hit by a car and taken suddenly so no time to plan. But trying to make good with all my creditors I put this account with care credit closed status and to withdrawal {$10.00} monthly from my bank account they then unknowing to me sent the account to collections drastically hurting and impacting my score leaving other creditors to believe I do not pay my bills and is false ; I have other synchrony accounts that are almost paid off or paid off in full.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

I was contacted on XX/XX/XXXX on the phone by National Credit Systems , Inc. telling me that I have a debt that they are trying to collect. During subsequent calls I repeatedly asked the representative from the company to mail me information and a return envelope so I could send a check to them but she never sent me anything and told me the only way to pay would be by giving her my credit card information over the phone or my bank information. This is after repeatedly verifying my identity over the phone by giving the caller my address which she confirmed she had. XX/XX/XXXX I received a letter, again with no information about how to mail payment, saying the debt would be reported to the credit bureaus. I was never informed I could dispute the debt and the untimely communication with National Credit Systems inc. gave me no choice but to give my credit card information over the phone because of threats from the representative who again refused to mail me anything about this debt. I was never trying to get out of paying the debt but I never had any physical proof that the debt was truly owed or that the people contacting me were not scammers.
Consumer complaint received 2021-02-02
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: ERC (PA)

On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

On XX/XX/2020 I settled and paid a debt with Enhance recovery collection agency then requested that the account be removed from my credit report because Im trying to buy a house. My score dropped down 35 points because of this and Im still trying to recover from this point drop. I was told that they do not remove anything and that a manager would call me back. 

I was passed around from one agent to another and none we able to help me. As of today, I have yet to receive a call from a manager and the collection remains on my report and has a huge NEGATIVE red for the month of XXXX when this was legally paid in XXXX.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit report with XXXX and TransUnion reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my XXXXredit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (PA)

Someone else opened an account in my name via the XXXX XXXX XXXX, which appears to be administered by TD Bank, and made a purchase of {$1400.00}. I did not open this account. On XX/XX/XXXX, I received a collections notice from TD. This was the first I had heard of this account. On XX/XX/XXXX, I spoke with XXXX ( ID XXXX ) from TD Bank, who submitted a fraud claim on my behalf. On that day, I contacted all XXXX credit bureaus and placed a hold on my credit. I was told that an affadavit would be sent to me in 14 days. On XX/XX/XXXX, the affadavit was sent ( per the date on the enclosed letter ) ; I received it XX/XX/XXXX. The enclosed letter noted that I had 14 days to complete the affadavit. I completed the affadavit on XX/XX/XXXX and emailed it to XXXX, as instructed. On XX/XX/XXXX, I received a note, dated XX/XX/XXXX stating that my fraud claim was denied and enclosing a purchase receipt for the phone. From the receipt, I note that the purchase was completed online and the phone was picked up in person. It does not indicate that the person picking up was required to show any ID. The email address used for the purchase is not mine, and a search for the location of the XXXX address shows XXXX, XXXX. I do not live in XXXX, nor was I there on the date of purchase. 

In summary, my claim was denied based on incorrect information, and before my affadavit was received. Moreover, the denial of claim letter, addressed from XXXX XXXX XXXX, includes a phone number that appears to be XXXX XXXX 's personal phone number, which has gone to voicemail on the XXXX XXXX I have called it since receiving the denial of claim letter. I have called TD Bank twice to discuss this matter further, but have been told that there is " no fraud department '' nor is there anyone I can speak with. When I ask to speak to a supervisor, I am placed on an indefinite hold.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2018-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

I took out a home equity line of credit on my home approx. 8 years ago with XXXX XXXX. I paid it off about 7 years ago and never drew on it again. In XX/XX/XXXX XXXX  XXXX advised me that I would not be able to draw after XX/XX/XXXX. I understood this communication to mean that my account was closed, since I had a XXXX balance and wasn't able to borrow anymore. 

In XX/XX/XXXX I received a notice that my loan servicing was being sold to Rushmore. Since I didn't have anything to service and my account was scheduled to be cancelled in XX/XX/XXXXI took no action. 

In XX/XX/XXXX, I scheduled the sale of my home for XX/XX/XXXX. On XX/XX/XXXX, my  attorney sent a fax to Rushmore to request a pay-off letter. Approximately a week later my attorney called Rushmore, who told him I had to sign the fax request. I signed it and he resent it on XX/XX/XXXX 

When we still did not receive the pay-off on XX/XX/XXXX, I called Rushmore and asked for the payoff. They were confused because I had a XXXX  balance. I asked them to fax the pay-off to my attorney, and had to repeat the fax number 3 times because the Rushmore employee kept transposing the numbers. 

On XX/XX/XXXX, I called Rushmore again. I got an employee who said this was the first communication they had received according to their system. I told them they need to do a better job of updating their system. I asked to speak to a supervisor, and spoke to XXXX. I begged him to get the payoff out to my attorney so that money would not be escrowed at closing. He told me I needed to pay {$70.00} to issue a release. I paid it via credit card that day. 

On XX/XX/XXXX, my home sale closed, and we had no word from Rushmore. Due to the HELOC lien, in order to close we needed to leave $ XXXX in escrow ( for a XXXX balance loan ). 

The following week, my attorney contacted Rushmore, and now they told him they faxed the pay-off to the wrong fax number ( fax number still transposed ) and they couldn't deal with him because they had to speak directly to the borrowers. My attorney then received a letter advising that the status of the loan is XXXX, which is not a pay-off letter. So I am still unable to get my money out of escrow. 

On XX/XX/XXXX, I called Rushmore to see what was going on. I spoke to a supervisor named XXXX who told me that Rushmore has 30 days to issue the release according to XXXX XXXX, Illinois, so I can expect my release on XX/XX/XXXX ( which is not 30 days from my first request, or from the date I paid for the release. ) Due to XX/XX/XXXX sale of my XXXX balance loan which they had advised me they were closing, and Rushmore 's incompetence, I was required to pay a {$160.00} escrow fee as well as experience the escrow of over {$30000.00} despite not owing any money on this loan for many years.
Consumer complaint received 2018-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This are erroneous credit inquiries on my credit that I was unable to get remove in speaking with a customer service person. 
Thank you XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX DateXX/XX/XXXXXX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion