davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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. (AL)

I filed a dispute in XX/XX/2020 for XXXX  to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I run my XXXX XXXX on XXXX. I buy my goods from the proper market. I have a proper invoice, but for some reason PayPal took my money out of my wallet PayPal - negative {$4200.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/XXXX Transfer Paid with Balance {$4200.00} Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with XXXX XXXX XXXX and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.
Consumer complaint received 2023-01-09
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. (TN)

XXXX, EXPERIAN has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX bankruptcy court stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in XXXX  days or CFPB VIOLATION occurs. next issue inconsistencies in COURT NAME & REFERENCE NUMBER Reference # : XXXX XXXX Experian XXXX XXXX different names Court : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting violation found XXXX XXXX  XXXX XXXX Account # : XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed
Consumer complaint received 2022-04-26
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. (MS)

XXXX XXXX  violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

On Monday, XX/XX/XXXX I received a letter from Medicredi indicating that they are attempting to collect a debt in the amount of XXXX. This was already paid under account number XXXX This needs to be removed from all credit bureaus report no later than XX/XX/XXXX. I will pursue legal action if this has not been completed.
Consumer complaint received 2020-12-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (HI)

I am not able to pay my mortgage due to COVID-19. I requested from my mortgage company, American Pacific Mortgage for Forbarance provided by the Cares Act. Called them in early XXXX. I followed up about 4more times. On XXXX XXXX, I called again and they said that they finally put me on Forbarance. They told me it would not getting reported on my credit, that it would be on freeze. As of today, XX/XX/XXXX, i hav I have a delinquency report on my credit and I believe that they did not put me on Forbarance. I am currently XXXX  months behind on my mortgage and fear i will lose my home.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NV)

On XX/XX/XXXX I cancelled my account and wireless services with XXXX XXXX XXXX, requested a final bill and with total amount owed on devices, XXXX XXXX XXXX did not cancel services and kept non charging me for services event though I had already switched companies, they never submitted a cancelation of the account to the department that handles closing accounts, for over a year and a half I kept contacting XXXX XXXX XXXX to get this matter resolved, speeded hours on the phone with several representatives and supervisors, they admitted their mistake and made promises of correcting the issues. XXXX XXXX XXXX  never contacted me back as they promised they would, never provided me in writing any information of the corrections, in fact they did nothing and kept on charging me erroneously for an account it was inactive since XX/XX/XXXX, on or around XX/XX/XXXX a collection with XXXX XXXX showed up on my credit report regarding this account, I filed a dispute with XXXX  and it was removed since there was incorrect and inaccurate information reported to my credit bureau, on or around XX/XX/XXXX another collection showed up from the same creditor this time under Sunrise Credit Service collection agency, reposting again incorrect and inaccurate information, they refuse to remove the information and make numerous threats to harm my credit since their client XXXX XXXX XXXX has submitted that those were valid charges, after contacting XXXX XXXX XXXX on XX/XX/XXXX an adjustment of {$790.00} was made into the account since they admitted and realize the mistake made since XXXX, Sunrise Credit Services keeps on reporting to my credit report this account that in fact it should have never been place in collection if XXXX XXXX XXXX would correctly cancel the account in XX/XX/XXXX, there has been nothing sent in writing and XXXX XXXX XXXX refuse to provide writing documentation and refuse to correct and delete this information from my credit report even though we are still working on finalizing the bill with the correct charges.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XXXX I received a wire transfer from a friend from his Wells Fargo account to my wells Fargo account. Shortly after this transfer I was locked out of access to all 3 of my Wells Fargo accounts. I called and spoke to two different people in the fraud department and after 30 min was told I would not have access to my accounts for 10 days. I expressed my outrage at this since it meant that I don't have access to any of the funds in any of my accounts for 10 days. I called my friend that sent the wire and he contacted his Wells Fargo banker who said this sounded wrong and he would fix it immediately. It has not been fixed and I still do not have access to my ( the funds that were in my account before the transfer or the funds in the transfer ) money or my accounts. The fact that a bank can arbitrarily stop me from having access to funds that are legally and properly available to me is unacceptable and I hope regulated by some law.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (TX)

XXXX XXXX XXXX along with Scott & Associates , P.C . ( XXXX XXXX ) are doing this here with me and numerous others in XXXX XXXX of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. 

The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. 

I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.
Consumer complaint received 2021-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Again, please provide me with the " exact '' information I am requesting! I need an itemized financial breakdown of each forbearance plan I was placed on. Plan # 1 {$13000.00}, Plan # 2 {$14000.00}, Plan # 3 {$3800.00}, Plan # 4 {$12000.00}, Plan # 5 {$8800.00}, Plan # 6 {$8400.00}.
Consumer complaint received 2018-01-08
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: JPMORGAN CHASE & CO. (VA)

Chase Bank and XXXX XXXX XXXX/XXXX/XXXX bought 4 plane tickets through XXXX XXXX XXXX/XXXX/XXXX time changes have been made to the flights, so I canceled 1 ticket and got a refund and called back a week later to cancel the rest, but XXXX XXXX rebooked the rest. I filed a dispute with chase since I did not want the remaining 3 tickets to be rebooked. 
XXXX in early XXXX Chase refunded all four tickets by mistake when it should have been 3 XXXX/XXXX/XXXX I was rebilled for the initial ticket that was refunded, which I paid. 
XXXX/XXXX/XXXX I was rebilled AGAIN for the initial ticket, which I paid. 

I 'm am disputing the second rebilled cost! 

I reopened the same dispute 3 times and Chase misunderstood the problem and thought I was arguing that I have n't paid for the rebill, which caused another rebill from XXXX. I 've talked to the supervisor at Chase to re-explain and he said there is nothing they can do since it 's past the disputing period. 

I was able to cancel the first flight since the flight time changed. When this dispute is going on, I got another message saying that the second leg of the flight has been canceled. This means I definitely qualify for a refund. 

I 've attached the flight cancellation email.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding, LLC along with XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) are doing this here with me and numerous others in XXXX County of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. 

The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. 

I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.
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 status incorrect
Company: MARINER FINANCE, LLC (IL)

In XX/XX/XXXX, I identified on my XXXX  credit report that Mariner Finance ( previously Personal Finance Corporation ) was incorrectly reporting my account as being in collections. In XX/XX/XXXX, I was 30 days late with my payment, and prior to that, I was current until being 30 days late in XX/XX/XXXX. Since those occurrences, I have not missed a payment. 

On XX/XX/XXXX, I contacted local branch manager XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL XXXX ), and she verified that my account was current in their system. She responded that she would have to take it up with corporate ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). I followed up by mailing a copy of the report indicating the account in collections. 

It is now XX/XX/XXXX, and no progress has been made, and my credit score has been adversely affected.
Consumer complaint received 2017-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

Elderly woman received call from grandson that he had been in an accident and was now in jail and needed money wired to him to get out. Described all kinds of injuries. Had a supposed public defender ( XXXX XXXX at XXXX case # XXXX ) call with explanations and directions to go to local XXXX XXXX with {$500.00} cash and Western Union the money to : XXXX XXXX XXXX XXXX XXXX XXXX Western Union tracking # XXXX
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (NJ)

Checkr background company wont update and release my driving report so I can continue to drive with XXXX & XXXX. This has been going on for about 11 months.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Good Day, We were in the process of a deed in lieu of foreclosure on XXXX XXXX XXXX select portfolio servicing contacted us to let us know that our first step would be a walk thru to see the condition of the property.XXXX XXXX we were given written confirmation that we could proceed after we were completely out to contact them so we could be inspected .on XXXX XXXX, XXXX i then contacted XXXX.to let them know we had vacated the property they the replied oh we are so sorry we sent that document out prematurely and you can move back in so we can work out something there is a lien on the property after going back an forth for several months the title was cleared and we began the process again. XXXX XXXX this year we signed our closing deed in lieu at that time we were told nothing else was required from us and that the property did not have to be reinspected because it was done in XXXX XXXX so at this point we would just be notified.On XXXX XXXX i was then informed that we were denied because of a I.R.S. lien that was on the property i contacted the I.R.S. the representive said for me to contact a attorney because someone in the mortage company dropped the ball because the debt had been there since XXXX XXXX i feel we were treated unfair.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AL)

I sold Litecoin on XX/XX/XXXX at XXXX PST through Coinbase. The litecoin was immediately removed from my account without me receiving any payment. My coinbase history page noted that XXXX USD was due to my USD account to arrive by the end of the day on XX/XX/XXXX. I  have still not received any USD into my USD wallet as of XX/XX/XXXX. I have opened a support ticket through their website and was notified on XX/XX/XXXX that they have received the ticket and are working with a specialist to resolve the issue. Since then I have received no more communication from Coinbase.
Consumer complaint received 2024-02-25
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. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX  XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I disputed this account and Experian updated my account with the credit company listed below. The account should've been removed by Experian because the account isn't my account.. XXXX  and XXXX  has already removed this account from my report. Please help me to get this account removed from Experian, it's damaging my personal credit. 
XXXX XXXX account number XXXX opened XX/XX/2019 amount owed {$610.00}.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed by a tutoring company using the website XXXX They asked me to send them money for tutoring service via XXXX. Once I did, they stopped replying. I called chase bank and XXXX to explain the scam, and asked them to stop the payment but they both refused and said they do not refund in case of scam. The fraud company is still up and running and no one can do anything about it. Please help communicate my issue and help me get my money back. I paid XXXX for no reason. Chase never notified me that connecting XXXX to the bank account would out of liability especially that the XXXX enrollment process took place from Chans online banking account itself. please help.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WV)

Experian lists my credit score XXXX points lower than XXXX  with the same information. Attempts to contact the company for an explanation/correction have been unfruitful since they only have an automated system that does not allow you to speak to anyone and hangs up on you. How then do I get this issue resolved if I can not contact the company?
Consumer complaint received 2021-10-17
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. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX XXXX breach. All is being investigated by the FTC.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (FL)

My wallet was stolen and used to create a fraudulent account with Barclays Bank Delaware in my name. 

I have attached a Police report as proof that my wallet was stolen and that the account is fraudulent.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.