davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP (GA)

XXXX XXXX [ Aldridge Pite Haan, LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XX/XX/17 ] To [ Aldridge Pite Haan ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, XXXX XXXX
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

Advised Western Finance I am not working but will make a payment once I receive some money. I have made payments prior but unable to at this time. They have been coming to my place of residence. They have been to my home 3 times the last time being XX/XX/2022. Each time I have them not to show up at my house.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (MA)

I opened up a paypal account for my boyfriend to receive his unemployment payments ... The transactions went through with out a problem up until XX/XX/2020 when a large deposit was made and PayPal instantly put limitations on my account which left me to not be able to transfer the funds to my debit card in other words they are holding my money hostage! Ive called Ive sent messages Ive done everything possible to reach them and I get the same answer every time ... Im told that Im not longer able to use PayPal that I went against there agreement policy and they are holding my funds for 180 days! Ive uploaded information proving who I am and my boyfriend is and that we live at the same address I uploaded both ID and utility bills with one in his name and one on my name showing the same address ... still have not heard a word for them! This money is vital to our survival, how can they hold people unemployment payments!! Im not the only consumer with this issue they have been doing it to everyone! I need help!
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I was COMENITY BANK/XXXX customer since 2014. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. This is my second request. If you delete a missed payment - I will put payments on auto pay.
Consumer complaint received 2019-11-01
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. (FL)

XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX -XX/XX/XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXXand paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and Equifax all three have failed to dispute correctly and are in direct violation of the FCRA.
Consumer complaint received 2019-11-01
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. (FL)

XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX  in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX-XX/XX/XXXX.

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXX and paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

Experian, XXXX and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.
Consumer complaint received 2018-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I called Experian yesterday to submit a dispute regarding the inquiries that are present on my Experian report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Experian to investigate the inquiries present on my report that I did not authorize.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I started the process to refinance our current mortgage ( with Mr Cooper ) and obtain a home equity line of credit for an addition on our home on XX/XX/2020. We were helped by XXXX XXXX from Mr.Cooper, our mortgage company, whom led us through the beginning of the process to start our refinance and credit line. He told us our credit was outstanding and we should do a different type of loan that would lower our monthly payments. He then told us we have to pay a fee from XXXX whom they ( Mr Cooper ) solely uses for appraisals. I paid the fee immediately, putting my trust in our mortgage company. They sent a woman to appraise my home that, not only, ran through my home without asking questions in under 5 minutes missing many key points of upgrades done, but also used unrealistic comps for my home. Before she left my home, the day of the appraisal, she asked me if I had any comps for my area. Strange, to say the least, especially after I paid XXXX to my trusted mortgage company to hire someone to ask me to do her job. I received the appraisal that was dramatically lower than what it should have been. I handed the appraisal over to a local realtor and appraiser, that laughed at the appraisal stating this is insanity! The woman hired by Mr Cooper Mortgage comped my home with comps that are abundantly less, not only figuratively and cosmetically to my home but that had variances on the property, in flood zones and on slabs. 
I sent in a request to revise my appraisal to XXXX ( the manager at Mr Cooper ) that told me my issue would be escalated in the company. I received a call from XXXX stating the appraisal was in review due to the fact it was indeed wrong. I received the new appraisal just 3 days later stating they increased the value a measly XXXX. Without sending a new appraiser, still using the same unrealistic comps. This company is completely NEGLIGENT and does not care to correct their appraisers after they admittedly state there is an issue with whom they forced me to pay to appraise my home and asked ME FOR COMPS! This business is horrible and misleading. Then they use the excuse its the law we can not use any outside appraiser why???? Why because they will state the truth not getting paid on the side to LIE about the worth of a home?????? Shame on this business.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

DIscover revoked my account though my payments were on time. They said they saw something on my credit report and decided to close my account. In addition to revoking the account which they agreed had an outstanding payment history, they reduced my credit limit on my credit reports to the balance owed. This lowers my credit limit to debt ratio which further hurt my credit.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.
Consumer complaint received 2019-11-01
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. (MO)

XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AP)

XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8000.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2400.00} XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8200.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2500.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$5100.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2000.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$2600.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2300.00} This list is actually higher than when I started paying on my loans several years ago. To date I 've paid : Principal Paid : {$3300.00} Interest Paid : {$7600.00} Amount Paid : {$10000.00} I have made several attempts for an explanation. Contacting by phone is troublesome as I reside overseas ; both costly and timely. I have made two attempts at loan forgiveness ; as a public service worker ( XXXX ) and been found ineligible. Any help would be greatly appreciated.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. National Credit Adjusters willfully and willing re-aged this alleged debt knowingly violating the consumer laws for the FDRA and the FDCA. Re-aging a alleged debt is illegal.
Consumer complaint received 2020-08-19
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: BARCLAYS BANK DELAWARE (CA)

Purchased a few items on XXXX with Barclays credit card, returned said items within a span of a week to the local XXXX XXXX location, and handed off the returns. 

2 months and numerous phone calls later, XXXX XXXX customer service team tells me they can't find the order numbers and refused to give a refund without " proper documentation '' which I already gave them. 

Called Barclays to resolve this issue within my own bank. Submitted three separate claims for the said items from XXXX. 

A few weeks later Barclays resolved the issue as my fault and adjusted the balance. Now I have a balance of {$1300.00} and no product.
Consumer complaint received 2020-05-22
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. (MO)

I had too many attempts at logging into my Experian account. The website gave me a number to call to address this. I called, and was put through a series of prompts, finally to have a voice recording advise me to use the website to access my account, then hung up. No option to speak with a live agent, and certainly no assistance with my problem. I have sent several emails with customer service only to receive a form letter email instructing me to use the website to access my account. Back to the original issue, with no resolution.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the fair credit reporting act XXXX XXXX XXXX credit # 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 an account without my written instruction.
Consumer complaint received 2020-10-12
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. (CT)

WHAT IS XXXX CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assista

nce of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result. WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT
BUREAUS ( TRANSUNION, XXXX, AND XXXX  )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/2020 : I have been a frequent victim of identity theft so I put a temp freeze on my credit report when its not being used. Im trying to apply for a loan for a new AC   system. The company uses Experian for their credit checks. 

I went to Experians website to remove the freeze. I dont remember my PIN ( its an odd length and I dont do this often ). So, I answered the out of wallet questions to help verify my identity. While I answered them correctly, apparently its different then whats in my file with Experian. The only option they are giving me to remove my freeze is mail. I tried to call, but their IVR prevents you from speaking to a person. You get stuck in a loop where their automated system tries to help you, but it fails. I tried calling their corporate office, but could not get ahold of anyone either. 

This process is completely unfair. I can not see why mailing a price of paper is anymore secure than anything electronic or via phone. Someone could very easily mail in this form and they would have no idea. 

I also feel this takes advantage of the slow response via mail, especially during COVID where everything is taking longer to ship.

I simply can not wait to mail information back and forth to remove this freeze from my credit. There is mold in my AC unit its unhealthy for my family to continue to breath this in. Im going to end up having to wait if I have to mail this back and forth.

Its the 21st century. If they gave a 2nd chance on these out of wallet questions, perhaps I could have answered other information that would have helped them verify my identity.

Im sorry Im so frustrated. I hope you can help prevent other people from having to go through this.
Consumer complaint received 2018-09-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (GA)

XXXX, XXXX XXXX, and Servicer, Seterus, Inc. have violated the Truth-in-Lending ACT Section 129C : 1411, 1412, 1414, that when issuing the Mortgage Modification to XXXX XXXX # XXXX and XXXX Loan Modification # XXXX, Seterus XXXX ; there is an apparent disregard for the " Ability-to-Repay Rule. As a result, I am paying the monthly mortgage, but do not receive credit to the credit reporting agencies. 

Property address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I am a authorized third-party on the loan, and Joint tenant on the " DEED. ''
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2021-12-25
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)

I am aware that I am a victim of identity theft, I have reviewed my consumer report through XXXX and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (FL)

I mailed the Fortiva, via certified mail, the CFPB collection letter to request verification of a debt being reported on my credit report. A week later I was sent back a letter from the company requesting information from me. I don't know why I'm being asked to provide information, in response to my request for my consumer file as per 5 U.S.C. 1681. I will attach the letter sent from the company and my Certified Mail Receipt.
Consumer complaint received 2017-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NCB Management Services Inc. (VA)

Took out a line of credit with this online lender XXXX. Requested they close the account and let me pay it off over time ( interest rate was too high, could not afford it ). XXXX XXXX who works for NCB debt collection for this place called my husband 's, my son 's and my home phone which I did not provide them with any of these. She was told not to call these numbers and she lied and said I gave them to her. Not true, I would never do that. Last night she called the home phone which we NEVER use, except for emergencies and asked was this " XXXX XXXX '' I said yes and she said who she was. I was really upset she has my e-mail, cell phone, work phone and home address. I made arrangements to pay monthly but one payment was returned. They reported me to the credit agency and I feel these high interest rate online loans should not be legal anyway so why should they be able to report to the credit agency. They say they are XXXX XXXX but they are just loan sharks.
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (SC)

We want to payoff and close our line of credit to Santander Bank. We went to the branch that we opened the account and did the request conf # XXXX on XX/XX/20 at XXXX XXXX They said that we will receive a confirmation letter on the mail. We called again on XX/XX/20 because the payoff that was provided and we paid ( XXXX ) on XX/XX/20 was XXXX more on XX/XX/20 and the answer was that they can not see the account and they did not know what was going on ( XXXX XXXX ), I decided to pay that extra amount in santander online banking. When I checked the account today it shows that we still owe XXXX, We called again and was the same answer, they can not see the account and is nothing that they can do ( XXXX XXXX ). Money was in our checking account to payoff but they said that we still need to do the request ( did it 3 times ), we did the request but did not receive any answer so we decided to do the payment online but that did not stop the bank to post more interest on the account and/or provide a clear explanation of what is going on. I have more details about this situation, if you need it.