davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

On XXXX I received a notice that my PayPal account was limited. I learned the confusion twas due to a name change secondary to marriage, I was more than irritated. I have been married for 17 years and since I use this PayPal account primarily for online transactions, I never took the time to change my XXXX XXXX XXXX PayPal account. It was resolved with an apology as several of my subscriptions had been bouncing and one was canceled and it ended up being quite a hassle. I decided to use Venmo as a replacement as I lost trust for PayPal following this experience. I have had a Venmo account for probably 4-5 years and I use it primarily for paying babysitters. I have also used to reimburse people I know for expenses like restaurant meals, errands for a sick co-worker, paying for piano lessons, babysitters, and I sold a few items out of my house recently. I had accumulated {$1000.00} and attempted to transfer a portion on XX/XX/XXXX but mistakenly transferred the whole amount. I received an email the next day informing me that my account was limited and my transfer was being reviewed. I was asked to provide evidence of my identity, but when I logged onto to my account I saw no evidence that my account was limited. I provided the photo of my XXXX passport on XX/XX/XXXX when I was unable to use the account as I thought I was being scammed or phished. I spoke to several customer service representatives and was told that my account being reviewed by a specialist. I was finally informed late on XXXX that my account had been permanently frozen that money that belongs to me will be available in 180 days. I called customer service on XXXX and was told that my account looked normal and they would request another review. I was informed late on XX/XX/XXXX that the decision remains. I did not violate the terms. I am not being given an opportunity to defend myself. And, they are retaining my money without any explanation. This entire ordeal occurred due to discrimination, as men do not change their names due to marriage. PayPal and Venmo are the same company and I started using Venmo as a replacement for PayPal so my account activity increased during that time. This is all very shady and after doing an Internet search I learned this is common. I am a normal person : a boring suburban mom with a regular job and a dog, cats, and a backyard garden.
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: EQUIFAX, 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 Equifax and XXXX Data breach. All is being investigated by the FTC.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2020-08-18
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-10-12
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. (TX)

Was given your link from XXXX XXXX XXXX. They tried to help me but XXXX continues to indicate they issued the credit and never received the credit back from Chase Bank. 
I writing to you in hope of getting some action to the recovery of my money in the amount of {$1300.00}. My name is XXXX XXXX and I have been working on trying to receive funds back related to an item purchased from XXXX on XX/XX/XXXX at XXXX. I have been working with XXXX since XXXX indicated I would need to work with them to pursue my credit refund even though I never used XXXX. 

Below are the events that occurred : 1. On XX/XX/XXXX at XXXXXXXX XXXX ET, I placed an order with XXXX order number XXXX # XXXX in the amount of {$1300.00}. 

XXXX. The charge was made using my Chase credit card ending in XXXX on XX/XX/XXXX with reference XXXX XXXX OH 3. After almost a year and constant follow-up to check on status of order for merchandise not received, I cancelled order and XXXX issued a credit memo XX/XX/XXXXXXXX XXXX # XXXX in the amount of {$1300.00}. 

XXXX. XXXX transaction dated XX/XX/XXXX at XXXX XXXXXXXX XXXX EST transaction ID reference number XXXX credit back to Chase Bank credit card ending in XXXX. 

XXXX. I had requested a check since the credit card had been cancelled. Chase Bank issued a credit back to merchant XXXX XXXX XXXX transaction reference XXXX on XX/XX/XXXX because they had purged my account. 

According to XXXX since I didnt purchase the product using a XXXX account there is no credit that would have gone into my account. Instead, the credit would have gone back into the account of XXXX merchant account.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reportin gAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently discovered that my personal information has been used without my authorization. This unauthorized use has resulted in fraudulent activities, including the opening of accounts and transactions that i did not initiate. I am concerned about the potential impact on my financial standing and personal security.
Consumer complaint received 2022-12-08
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. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Collection ) XXXX Date opened XX/XX/XXXX Balance {$24.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

on XX/XX/2020 spoke with XXXX at newrez mortgage. to refi my current morgtage, after calling for months, and signed paperwork to refi 2.62 % for 15 yrs. this would save me XXXX month. told XXXX i am XXXX yrs. old and not that computer savy, he said not a problem. 
Called about the end of XXXX spoke to XXXX and said have not head or received any e-mails or request for paperwork. XXXX said he would reach out to XXXX called yesterday XX/XX/2020 spoke to XXXX said he would talk to his manager and call me back. no one has called, no XXXX -mails. spoke about uploading documents, i said not good with computers. ok i can fax. Later that day i found out the document upload sites are down or don't work at all. 
I mailed paperwork requested to company on XX/XX/2020 XXXX said did not received any doc. This is XXXX  i am XXXX the extra money would come in handy for medical bills. There practices are against the fair lending act and newrez does not want to lend to people with XXXX act. no top of this they are losing XXXX a month for 12 mo. and 15 years. thank you for your help XXXX XXXX XXXX XXXX phone XXXX
Consumer complaint received 2020-08-18
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

When obtaining the loan, it was not clear that I would be paying such a HIGH interest rate nor that I would be paying this loan twice a month. I needed the cash to assist with my father 's unexpected medical expenses. I only borrowed {$3000.00}, which only got a portion of that deposited after fees, and I have paid a total of {$6700.00} so far and have 6 more payments to go. That means I would have paid at least {$8100.00} for this loan. I have been fortunate enough to still have a job and although it is a struggle, I have been making this payment, however I read that the maximum interest that can be charged to consumers in California is 10 %. I am being charged 200 % + here.
Consumer complaint received 2022-05-23
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. (NC)

XX/XX/XXXX XXXX DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending XXXX XXXX XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending high school at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i XXXX XXXXXXXX XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the XXXX XXXXXXXX XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the XXXX grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Our Mortgage payment of {$2000.00} was auto drafted from our checking account on XX/XX/XXXX. On XX/XX/XXXX Lakeview Loan Servicing mistakenly marked the payment as Bad Check Reversal. We contacted their Customer Service department as soon as this came to our attention on XX/XX/XXXX. We were told that our bank needed to submit a transmittal of the ACH transfer to prove it cleared our account. This document was submitted via fax on XX/XX/XXXX, however on XX/XX/XXXX the loan company claimed to have not received anything. We contacted our bank and a representative sent a printout of the ACH transfer via email along with a statement that no funds were stopped or returned to our account As of XXXX our mortgage account online still showed the payment marked as insufficient funds. We contacted Customer Service again and were told that the document sent was not what they needed. Our bank then provided a full page transmittal form on XXXX. .As of today 's date XX/XX/XXXX they continue to show a missing payment and have done nothing to resolve our issue. We made our XXXX payment on time and the loan servicer applied it to the XXXX payment they lost, marked our XXXX payment as late and have reported the late payment to the credit reporting bureaus. They have also charged late fees against our account.At this point, we don't seem to have any further recourse. Any assistance your agency can provide to resolve this issue will be greatly appreciated.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Account Control Technology, Inc. (NC)

I have submitted 3 different disputes with XXXX  regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed account control technology collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to account control technology and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months XXXX  continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.
Consumer complaint received 2020-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

This is my third attempt to removed the inaccurate items. My name is XXXX XXXX and this complaint is done by me. I used the information in FCRA to help me. Experian said that they didn't think it was me filing that complaint. While they used stall tactics, my credit continue to report incorrectly with false information. I have attached all the necessary documents to get these accounts removed.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I submitted an application for a secured credit card with Capital One because XXXX XXXX said that my chances were excellent however I when I completed the application it had redirected to a regular credit card and I was denied and a hard pool was done on my credit file and there was not supposed to be one. XXXX XXXX used misleading information and this whole thing is just XXXX
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (FL)

Unauthorized Inquiries Did Not Give Permission for these companies to pull my credit. 

XXXX  ... .XXXX XXXX XX/XX/20 XXXX ... XXXX XXXX ... XXXX Experian ... XXXX XXXX ... XX/XX/20 Experian ... XXXX XXXX ... XXXX Experian ... XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ... .XXXX  ... XXXX XXXX ... XXXX XXXX ... XXXX
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (UT)

I was provided the attached closing disclosure on the day of my mortgage loan closing. It shows the interest rate as 0 % with the monthly principal & interest amount blank, the projected payments section blank. I pointed this out to the notary who said that I still needed to sign it, which I did. 

This is after PFCU had provided multiple other LEs and CDs ( due to delays ) changing the interest rate and saying it was at my ( the borrowers ) request. Only after I objected did they offer to cover the cost of the increased origination fees.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

I contacted American Express about paying off the portion of my balance that has the highest APR of 18.24 % - as of my last statement that was {$3400.00}. I also carry a balance of XXXX at a lower APR of 15.24 %. I made the minimum payment on my account for this month. Based on my experience with other Credit Cards, I should be able to make an additional payment this month and have that amount apply to the amount carrying this highest APR ; the XXXX. However, I was informed by two different service representatives with American Express that any additional amount paid to American Express would be applied, in my case, to the amount with the lowest APR.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I recently requested mortgage assistance and a forbearance under the Cares Act, XXXX XXXX, XXXX with XXXX XXXX my mortgage company, I read the homeowner can request the mortgage forbearance up to 180 days, our family is still being affected by Covid-! 9, my wife has XXXX has scheduled a property foreclosure sale XXXX. I have requested several times mortgage assistance and I feel that the mortgage company is not trying to assist me with not losing my home to foreclosure. Also the mortgage company is not complying with The Care Act. Received property foreclosure sale notice 60 days ago when the Care Act was first put in place for scheduling foreclosures by the president. I also never received a property foreclosure letter from the mortgage company or the foreclosure attorney Tennessee requires the homeowner to receive 30 day notice prior to foreclosure sale date
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (AL)

Net credit is reporting in correct information on my report and I have disputed several times, reached out to them by email several times. This is what you are falsely reporting. 
The updated balance, paid off amount, balance, status saying past due 180 days, the late payments. They are reporting the payments as not current and the current payments, are current. This account has been agreed to settle. I have been disputing for months.
Consumer complaint received 2020-08-26
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. (TN)

This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.