davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
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)

This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.
Consumer complaint received 2016-02-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (VA)

On Wednesday XXXX XXXX, 2016 I completed a transaction with PayPal to send {$950.00} to my landlord to cover monthly rent and utilities. Within minutes ( less than 5 ) the transaction was cancelled by the receiving party. I went into my paypal account it did in fact show cancelled. Intuitively since it was done in such a short period of time, it reflected cancelled, and there were no further instructions offered by the paypal site I concluded this had been resolved and paid my landlord via a more desirable payment method. The following day on Thursday XXXX XXXX, 2016 I received notification from my financial institution that my account had been overdrawn. I went and looked at the transactions and paypal continued to charge my account. I immediately contacted paypal to dispute this transaction and was advised that " regardless of you or the receiving party choosing to cancel, paypal will still debt the account and transfer the funds to your paypal account. '' Nowhere did it explain this was the process nor did anything in my account indicate or lead me to do further research as cancelled was stamped on the transaction in red. Paypal refused to provide any customer support and advised I would have to wait 3 to 5 business days before the funds would reflect in my paypal account.
Consumer complaint received 2020-12-08
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. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

I HAVE THIS CREDITOR ON MY XXXX CREDIT REPORT THAT WILL NOT AND HAS NOT UPDATED THIS ACCOUNT SINCE MY BANKRUPTCY XXXX WAS DISCHARGED IN XXXX OF XXXX. THE OTHER 2 BUREAUS HAVE UPDATED THIS ACCOUNT SEVERAL TIMES AND THE MOST RECENT UPDATE IS WHAT I'VE BEEN TRYING TO DISPUTE AND NOT GETTING ANYWHERE WITH XXXX  AND THAT'S WELLS FARGO HOME MORTGAGE. IN THE LAST FEW MONTHS I'VE BEEN GOING BACK AND FORTH WITH WELLS FARGO AND XXXX TO FIND OUT WHO'S RESPONSIBILITY IS IT TO UPDATE MY ACCOUNT CORRECTLY. LAST XX/XX/XXXX THIS WELLS FARGO ACCOUNT MORTGAGE LOAN WAS PAID OFF AND CLOSED. DON'T KNOW HOW TO EXPLAIN IT OR WHAT, BUT THE OTHER 2 BUREAUS HAVE MADE THE RIGHT CORRECTIONS AND UPDATED THE ACCOUNT. THEY BOTH SHOW CLOSED AND PAID.CI HAD ADVISED WELLS FARGO OF THAT YESTERDAY AND THEY STATED THAT THEY CAN'T UPDATE MY ACCOUNT AND HAVE NO AUTHORITY TO SHOW MY ACCOUNT PAID AND CLOSED. I SAID MY HOUSE HAS BEEN REFINANCED AND I NO LONGER HAVE TIES TO WELLS FARGO PLEASE UPDATE MY FILE AND SEND IT TO XXXX THEY STATED AGAIN THEY CAN NOT. I MENTION TO THEM THAT WELLS FARGO IS RUINING MY CREDIT BY LEAVING THIS OPEN MORTGAGE ON MY CREDIT REPORT. ALL THEY KEPT SAYING IS SORRY AND CAN'T HELP YOU. I SAID SORRY BUT YOU NEED TO DO SOMETHING IF THE OTHER 2 BUREAUS ITS UPDATE LAST YEAR WHEN WE REFINANCED. 
*******PLEASE HAVE THIS FIXED AND UPDATED SO MY XXXX   CREDIT REPORT SHOWS PAID AND CLOSED!!!!!!!!!!!!!!!! PLEASE PLEASE PLEASE HELP ME
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2020-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC. (IL)

I have a charged off /closed account with Sun loan and every month they still adding between $ XXXX {$50.00} on my charged off account .and doing unauthorizes hard inquiries.
Consumer complaint received 2017-07-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

While I was on XXXX XXXX, I was told by the XXXX office and Navient that I would be released from my obligation to my student loans, but instead was put in default and ruined my credit.
Consumer complaint received 2020-10-23
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: EQUIFAX, INC. (NY)

To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this 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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-23
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. (NY)

To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this  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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from 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 has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-09-20
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

The lender advertised a loyalty discount during the process- but doesn't disclose this discount on any of the final disclosures. This makes it impossible to see if it has been factored into the loan. After speaking with the representative - I was told this is included when you choose your loan and doesn't show up in any of your paperwork- but it can be seen on their side. I applied for a loan thinking I was getting another .25 % interest rate reduction and was mislead.
Consumer complaint received 2020-05-29
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. (NJ)

I've made all of my payments on tome from XX/XX/XXXX till XX/XX/XXXX. TransUnion has me making a late payment in XXXX. They remove it, then put it back on. I have all my cashed checks showing it was paid on time. Also my balance is {$270000.00} and they have my balance {$33000.00}. I was just denied a credit card based on what they reported on my credit report. I believe they are purposely reporting inaccurate information.
Consumer complaint received 2020-11-30
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: FinCo Services Inc DBA Current (GA)

I went on a trip with family XXXX XXXX until XX/XX/XXXX and vacationed at XXXX XXXX XXXX XXXX XXXX. Upon checking in, per the hotel policy, they would authorize my card for the full amount of the reservation ( {$1900.00} ) and at check out I can choose to pay with cash or use the card on file. Well at checkout I paid with cash and was provided a receipt stating so. After about a day or so, I noticed that the amount of {$1900.00} was no longer pending in my " Current '' cards transaction and it changed to a normal purchase. Assuming it was the fault of the hotel i contacted the XXXX XXXX XXXX XXXX XXXX XXXX in regards to the " authorization hold '' and they said that sometimes it can take up to 3-7 business days for the charge to disappear. I waited the full estimated 3-7 business days and per the hotel, the authorization had been released and the offered to email me the receipt of my stay which states cash and stated that there is no longer anything else to do on my their end. Before disputing the charge i contacted " Current  '' about the transaction and asked if there may be an additional delay on receiving back the " authorized '' amount. Even after telling them that i spoke with the merchant they told me to contact the merchant again. so i did so. Got in touch with the corporate office after a few days and again received the response that the amount had been released and should already be available to me. i contacted " Current  '' again about the merchants response and i received a disconnected chat! they have no answering service to speak with someone unfortuanetly. i contacted them again and was directed to file a dispute. I filed the dispute on XX/XX/2020. waited a few days and then checked with " Current '' for an update, they stated that a dispute can take up to 90 days and with 10 business days i MAY receive a temporary credit. Lastly, submit any supporting documentation. I submitted that documentation on the same day which was XX/XX/XXXX. I have waited the full 90 days and still NO response. i have been contacting them for the past few days and they say they dont have an update on my dispute even though it is past the required time to have a dispute resolved. We are now at 110 days AFTER filing the dispute i have provided my receipt and still have no refund and i am reporting this company for theft of my money or failure to communicate any dispute results with me. The amount of my dispute is {$1900.00}. 

XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-06-22
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: Medical Data Systems, Inc. (GA)

According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (TX)

I have a previous complaint number XXXX, XX/XX/20. I received a letter from XXXX XXXX on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the XXXX XXXX report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at XXXX XXXX should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off XXXX XXXX website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get XXXX  to Correct my report, Can I sue them? 
Thanks, XXXX XXXX
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

I am trying to get a mortgage on a new property from Better.com. I was told that my mortgage was approved and that we were ready to go to closing when that step was necessary. A week later, I was told that there were other requirements for the approval of my loan, that my current mortgage needed to be paid off, the closing date needed to be moved or the mortgage contingency on the contract of sale of my current house needed to be removed from the contract. I complained that they had already approved my mortgage and that these late requirements made it almost impossible. I sent a complaint to their complaint department and to their CEO and they reiterated their demands. Then they told me that they were not going to use my current mortgage in my debt to income ratio but that I needed to get a distribution plan from XXXX, the company where I have my IRA- this is not possible, there is no such thing- it is a self directed IRA. 

I made plans to purchase the new house with cash and choose another mortgage company in the future and so removed funds from the IRA as a short-term loan using the once-yearly rollover ability for IRAs. 

This morning, XX/XX/2021, I was told that my mortgage was done and that I should wait for underwriting to send me the paperwork to review and approved so it can go to closing in time for the closing on XX/XX/2021. Just hours later, I am sent the same demands for contingency removal and distribution plan. 

1- Better wants proof that I, as a retiree, can prove that I will have solid income for the future when they do not require this of people with jobs.

2- Better has told me on two occasions that my mortgage was approved only later to tell me they had the same requirements, requirements which I was told were no longer required.

3 - Better waited until no more time was available for me to get another mortgage before they started adding requirements to what was already an approved mortgage. 

4- Better required that I reinvest my IRA into an annuity so they could have proof of income. I am not sure that Better has the legal status to be providing securities advice and hold that advice as a requirement in their mortgages. 

I am prepared to buy my new home on XX/XX/2021 with cash but will suffer when applying for a mortgage after the fact because of my rejection by Better and because it will be a cash-out refi on an already paid off home. If I can get a Better mortgage before XX/XX/2021, I will, as that would be the simple solution even though I prefer not to do business with them any further. 

My concern is that those without financial knowledge may be being coerced to do things for which Better has no right to require. 

I can provide an email trail, which will take some time to gather, to support the above.
Consumer complaint received 2023-01-30
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: Bull City Financial Solutions, Inc (NC)

Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX  {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} XXXX XXXX {$150.00}
Consumer complaint received 2022-08-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions