davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (PA)

I received a few calls recently on my cellphone from people asking to speak with my mother. I asked what it was regarding or who was calling or what it was about, and they'd respond with the same script, " it's a personal matter and we can only discuss it with [ my mother ], now can I speak with her? '' This would go on and on until they'd hang up. Other times I'd tell them wrong number, don't call. Yet they kept calling. 

So today,XX/XX/XXXX at about XXXX, when I received the call, I decided to prod deeper on who this is. I asked my questions and they gave me the same script. So once they hung up on me, I called back. Told them I was in fact the person they were looking for ( I was not ), and they proceeded to ask me to verify ( my mother 's ) name, address, and social security number - all of which was accurate. I did not confirm, told them they had the wrong address and soc, and they refused to work further with me. I told them that they must, because they got my name correct. They hung up on me. 

I called again, with the same song and dance, but this time I claimed to be power of attorney for my mother. The rep, wanting proof, told me I could fax or email. I said email since that could give me info - it did. They wanted it emailed to XXXX. With quick research, unifinrs is a debt collection company based out of IL. I then began to grill this woman on the company, and she would stop to speak to somebody in the background. I made mention of this person in a flippant way, and he decided to get on the phone. A very aggressive man named XXXX. He refused to spell his last name, but it's pronounced XXXX, XXXX, or XXXX, I couldn't make it out. He then argued with me and gave me scripted lines as well when I'd ask for information about what the calls are regarding. He hangs up on me. 

I continued calling back asking to speak with him, since he hung up on me. So that I may tell him to not call and that I'd be reporting him. Also to ask for his name spelled. I was put on hold and left there, so I kept calling asking for him. Finally reached him, he argued with me and when I said I was going to report them for harassment, he then said I was the one harassing them. He refused to spell his last name and we parted ways. 

With research, unifinrs specializes in old XXXX debt. This makes sense since the only thing in collections for my mother is an unjust and disputed XXXX bill from pre-XXXX. This company calls and harasses and spits out social security numbers, without stating who they are, when they call from spoof numbers, and are rude in the process, for debts that are over 7 years old.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (DC)

The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint Equifax responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from XXXX  dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to Equifax, XXXX and, XXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2022-10-05
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: Penn Credit Corporation (CA)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2018-09-14
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX- This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2019 I accidentally purchased tickets for a show at XXXX via a third party website with no affiliation with the show venue or promoter called XXXX. 

These tickets were to be willcall at the XXXX box office for the day of the show, and I had paid {$340.00} for the tickets to this third party. This would not have been an issue for me if the tickets were willcall as expected. 

When I got to the box office at the show, there were no tickets waiting in willcall at the box office. Dismayed I asked the attendant to look again who happened to ask for our email receipt to pull up the tickets. We pulled up the email and showed the attendant the receipt who informed us that they did not have a relationship with that company and to dispute the transaction with the payment issuer. We then had to purchase 4 more tickets for {$110.00} with tax. 

Fortunately for me I thought, I bought the tickets through PayPal so I could dispute it then and there. So while I was at my evening of XXXX XXXX and XXXX XXXX, I logged into PayPal on my phone through a web browser and disputed the transaction. Paypal 's dispute module does not let you upload supporting documentation after the fact to find out, so the only thing they had to go by was the statement I put in the dispute where I happened to mention the price difference ( which in MA is an illegal markup ). 

PayPal took until XX/XX/XXXX to review and deny my claim in a matter of 6 minutes with no explanation. When I called PayPal to find out why the representative told me that I was uneligible for the fraud dispute because I mentioned the price disparity and seller claims the tickets were delivered. 

I offered to provide to PayPal my supporting documentation which included the purchase of replacement tickets, the sworn affadavit from the venue about the fraud, and the original email about willcall tickets. 

The representative at PayPal refused to let me email or provide the documentation, and only was able to reopen the ticket. As stated before, PayPal doesn't let customers add to tickets when documentation is available after the fact, but I figured this time they may reach out to me for it again. 

Today at XXXX outside of Paypal 's calling hours I received yet another denial notice about my claim with no additional request for documentation. 

At this point I think there is no further recourse between PayPal and myself short of small claims court. And I would really like to avoid having to miss work and be out more money to get my money back. Paypal 's fraud protection service did not work as advertised and is not fair to customers who use their service. 

PayPal transaction # XXXX PayPal claim ID # XXXX
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC. (ID)

XXXX does not disclose transfer schedules and wait times to transfer money in and out of account clearly. They hold onto money for unnecessarily long periods of time and cause financial harm by not having a system that operates continuously or reliably and has no customer support available. There system has many outages and problems.
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: EQUIFAX, INC. (NY)

On XX/XX/2021 I mailed dispute letters to XXXX XXXX and Equifax credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (OH)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank you
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

We started receiving letters from DiTech Mortage Company, that they were filing Bankruptcy and would keep us abreast of what was going on. As it turns out, DiTech " WAS NOT '' granted the authority by a Judge to file Bankruptcy, and was forced to SELL their accounts to another Mortage Company named XXXX XXXX. 

I am a 100 % Unemployable XXXX Veteran. I have been in this status since XXXX, and have progressively gotten worse as far as my health goes. Because of that, DiTech ALWAYS HELPED US OUT WHEN WE HAD PROBLEMS WITH OUR MONTHLY PAYMENT. 

We have been in our home over 20 years this Past XXXX. Throughout that time we had problems on occassion with making our monthly payment. DiTech always helped us out, with allowing us to break up the payment into XXXX or XXXX payments so as to stay up with our BALANCE OWED. In XX/XX/XXXX, DiTech returned our XXXX Payment without reason or fore-warning. When we called them, they explained that because of reasons " undisclosable to us '' they were " LIQUIDATING '' all their accounts, and that they had a right to DEMAND THAT ALL THE PAYMENTS THEY ALLOWED US TO SKIP ( because they were going to the end of the note, ACCORDING TO THEM AT THE TIME ), HAVE TO " NOW '' BE CAUGHT UP!! So they are DEMANDING {$15000.00} or they will foreclose on us. And, as they said, SINCE I AM ON A STRICT BUDGET BECAUSE WE LIVE OFF MY XXXX, THEY ARE FORECLOSING ON US BECAUSE THEY ARE ALREADY AWARE THAT I DONT HAVE THAT KIND OF MONEY. 

When I asked to speak with their XXXX XXXX to 'BEG ' them for help, they refused me. They said they " WILL NOT '' ALLOW ME A LOAN MODIFICATION, REFINANCE OR " ANYTHING ''. ALL THEY WILL TELL ME IS THAT THEY " ARE '' GOING FORWARD WITH FORECLOSURE PROCEEDINGS. I RECEIVED A LETTER ( DATED XX/XX/XXXX ) ON XX/XX/XXXX ( DAY AFTER XXXX ) THAT I HAD TILL " THAT DAY '' ( XXXX XXXX ) FROM A LAW OFFICE ( XXXX XXXX ) THAT REPRESENTS THEM AND THEY JUST SAID I HAD TILL THAT DAY ( THE XXXX OF XXXX, ) TO COME UP WITH {$15000.00} or " THEY ARE FILING FOR FORECLOSURE '' on my HOME. 

FILING BANKRUPTCY ISNT AN OPTION ( NOR SHOULD IT BE ) BECAUSE IT'LL take most of my MONTHLY COMPENSATION. According to XXXX XXXX ( XXXX XXXX ) here in XXXX XXXX Texas. 

I receive {$3200.00} and he said I would end up paying about {$3000.00} monthly if I filed Bankruptcy. MY Payoff is {$50000.00}. The House and XXXX acre it sits on is appraised at {$160000.00}. I'll lose everything I have if they are allowed to get away with this. 

PLEASE! PLEASE! I AM BEGGING OF YOU. PLEASE HELP ME!!!!
Consumer complaint received 2019-01-09
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. (TX)

I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

2 months ago I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I get an account from SYNCB/HOME DESING FURNITURE XXXX which is not mine I have not applied for credit I want them to review and investigate I have not authorized the furniture store to give credit on my name .i the past i had an account with them my debt with them was XXXX and it has been paid since 2015 always I made my payments and I do not owe anything now I have an open account for XXXX whose account I do not authorize and its not mine.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

I was waiting for my stimulus check to come on the amount of {$1200.00}. I got my last check in paper form. The IRS portal opened up on XX/XX/XXXX. I learned then that it was direct deposited to my Netspend card. I haven't used that card in almost 2 years and was even locked out of online access because of inactivity. Also, my wallet was stolen on XX/XX/XXXX in which a police report was done with the XXXX Police department. Once the portals open because I did not have access to Netspend online I called customer service and was told I had a balance of XXXX. Netspend was closed. I called early XX/XX/XXXX spoke to a rep who filed my dispute and unlocked my access to my Netspend online. There online in the secure inbox, Netspend sent an email on XX/XX/XXXX staying an ACH deposit was received and that additional information was needed to process it, if I did not respond by XX/XX/XXXX XXXX CST they would send check back. They did not do that. They processed the check on XX/XX/XXXX. On XX/XX/XXXX I received ba message stating that no error was detected and I would not receive a credit for my lost funds. The transactions were all signature transactions, the check was not supposed to be deposited to the account in the first place. They were suppose to send a new card and on XX/XX/XXXX stated card was sent back because address was unverifiable but I've received all my stolen information including my new ID but not their card now I can't even access the XXXX left.
Consumer complaint received 2021-01-29
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (CA)

I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

I had CAREcredit credit card and I paid the entire balance on time and in full. After the balance was paid, the issuer cancelled my card and even though I meet the requirements for a new and/or old account, they will not approve me. I was told there is no one I can talk to about it and no one can change the automatic response of denial.
Consumer complaint received 2022-07-28
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this XXXX XXXX {$0.00} under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiableaccount.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Consumer complaint received 2020-01-23
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : DSNB MACYS XXXX XXXX XXXX XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

Have issues with Wells Fargo in the past and I never liked the XXXX XXXX XXXX sold my mortgage to them years ago. I never trust Wells Fargo. I never had issues with XXXX XXXX XXXX even though there has been some talk about them. If I could I would like XXXX XXXX XXXX take care of my Mortgage or if Wells Fargo has been cheating on my Mortgage I want my Mortgage Closed. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX