davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I attempted to send my Nephew {$1000.00} through my Bank 's choice and promoted transfer service XXXX, having a XXXX XXXX resulting in some XXXX problems, I put the wrong last digit in the phone number. I caught it immediately, called my bank ( Bank of America ) and was transferred around several times over the next hour, only to be told I had to go to XXXX, because BofA has nothing to do with XXXX transfers - thenk to be told by XXXX that since I transferred the funds through my bank using XXXX I had to talk to them. FINALLY after over an hour, I was transferred to Bof A 's dispute department, I opened a dispute, and was told it would be 10-45 days. On the 45th day ( XX/XX/2020 ) I called BofA 's dispute customer service department and was told XXXX XXXX denied my dispute and I would not be receiving my {$1000.00} back. Now {$1000.00} is the difference of whether or not my rent is paid this month, so I am financially in despair. I sent emails to BofA 's Customer Care Exec at their Corporate Office,  her name is XXXX XXXX and getting her name took several calls to customer service, talking to 2 different supervisors since the reps answering the calls did not know who to direct me to. 
6 emails over the past 3 days and no response from this woman. I then started research on the internet and found out I'm not the first to be defrauded by XXXX using the Banks that offer XXXX XXXX  service. In addition to that, I found out that XXXX was created by the BIG BANKS i.e. Bank of America ( CEO spear headed to create it ), XXXX XXXX, XXXX XXXX, etc .... to compete with XXXX 's money transfer division. The article went on to state the banks created it because they would have the capture market of thier customers, and now they are branching out to other consumers to make the app profitable. I can not get a response from BofA, XXXX XXXX, XXXX to correct this error and transfer back my money. So I'm turning to you. I saw several more complaints on line and on XXXX response when I posted my experience there, also on the Consumer Affairs site, XXXX, etc ... .. Please help, I have no income right now, and need my money back - FYI - the same day, I did send my nephew a {$1000.00} because he is in the same situation - I used XXXX and got the number right the second time, so I transferred {$2000.00} through XXXX and BofA that day. The Case Dispute number at BofA is XXXX
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (VA)

In XX/XX/2022, I submitted letters to each credit bureaus, Experian, XXXX, XXXX stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, Experian, XXXX, XXXX stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police corporation. I submitted all the documents request from the credit bureaus and still nothing.
Consumer complaint received 2020-09-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of this year 2020 I filed disputes with XXXX, XXXX  and Transunion I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX est Spoke with XXXX XXXX at Shellpoint Mortgage. Advised him that my local DMV had told me that XXXX XXXX XXXX still held the lien to my single wide mobile home. However they sold out to XXXX, then to XXXX which filed bankruptcy. Online search shows all accounts were obtained by Shellpoint Mortgage, but XXXX XXXX said he had no information for our account being in their system. I am in need of an acceptable payoff amount for my account, as I need to sell the single wide mobile home. XXXX XXXX said he had used all the resources there to help me, he was very kind and helpful. We used all information that I had to offer but were not able to resolve who has my mortgage. The balance from the last communication was {$6500.00} or maybe a little more, I can't recall exact amount. 

I need my credit report to show that this debt has been paid and be able to receive my title so that the sell can take place. 

With thanks, XXXX XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My credit card company, Capital One, has unilaterally decided to lower my credit limit because " during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$5000.00}. '' I have never missed a payment or done anything negative with this account. When the credit card company lowers your credit, they also lower your credit score. It is not fair that they offered me a higher credit limit and because I did not use their card as much as they would have liked, they are lowering the limit. They are not taking into account the higher cost of other credit that this will cost me because they have essentially lowered my credit score. I want them to restore my credit limit.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NJ)

I paid my collection with Midland Funding long ago and they still have not removed this XXXX XXXX account. This is not the first problem I have with them, last time they tried to charge me again after paying them!
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

To whom it may concern, When the COVID-19 pandemic happened, I had applied for forbearance with my current lender, Dovenmuehle, and was told I would be receiving paperwork in the mail to sign. I received the paperwork, but I decided not to go through with it and never sent them the signed paperwork. I found out in XXXX that the forbearance was still applied to my loan ( when I never signed the paperwork ). This affected the credit of my parents ( who are co-signers ) and I. My parents are trying to refinance their home, but their loan can not be processed further until an opt out letter from Dovenmuehle is received. 
I contacted Dovenmuehle on XX/XX/2020 to send me the opt out letter of proof that I am no longer on forbearance, current with my payments, and do not owe any back payments. They sent a response on XX/XX/2020 stating they will respond in timely manner as " required by law ''. I've made more than ten calls between XXXX through XXXX, but the only response I received is that the letter has been sent out ''. I had also sent another follow up email on XX/XX/2020. Finally, around XX/XX/2020, they admitted that they made a mistake and the correct opt out letter was not sent and will be sending it out soon. Ive made two follow up calls on XX/XX/2020 and XX/XX/2020 requesting the opt out letter ( again ) to be mailed and emailed this time. The letter still has not been received and today is XX/XX/2020. It has been over two months of waiting. 

I attached my communication with them and proof of my current mortgage payments. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2022-10-28
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I was scammed out of XXXXXXXX XXXX XXXX on two separate prepaid American Express cards I purchased in trying to rent a car. I called my bank and they say it may take up to 45 days to get the case disputed and it's not a guarantee I'm going to get my money back!
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the Credit Bureau on XX/XX/2022 and XX/XX/2022 and have not received any response via mail or any other communication regarding the accounts that I have requested verification and validation of the debit. According to the FCRA credit bureaus are required to validate each debt they report with in 30days and reflect on a consumer 's report to ensure the validity of that debt with an original signed contract for validity of the debt. No action has been taken because I have repeatedly sent letters and have not received any response in a timely manner nor do I have an original signed contract stating regarding this matter.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} XXXXBalance {$95.00} DPT EDXXXX-Balance {$2300.00} DPT ED/XXXX***-Balance {$5400.00} DPT EDXXXX-Balance {$7500.00} XXXX XXXX**-Balance {$390.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$590.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance {$590.00}
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this is my 2nd complain to same matter. my previous complain number XXXX where XXXX XXXX  accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and XXXX  XXXX  is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or XXXX XXXX should give me loan immediately as both are responsible for my credit mess and XXXX  XXXX  accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how Transunion report shows late payment. who is lying Transunion or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO  either Transunion is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX, XXXX XXXX. I am attaching XXXX XXXX loan officer email copy where XXXX XXXX  is declining loan. whoe 's fault it is. XXXX XXXX  has accepted fault but XXXX  XXXX  kept on lying and declining my loan
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (CA)

Companies Involved : XXXX Credit Card I have XXXX credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXX of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.
Consumer complaint received 2021-10-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I took out a credit card with XXXX  XXXX in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. Portfolio recovery associates purchased the debt from XXXX  XXXX in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Experian is reporting 7 collection accounts which are negatively affecting my credit score. Dispute letters have been sent asking to verify the debt and no proof has been provided. Please see below the following accounts in question : XXXX XXXX XXXX  Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
I previously disputed this account and it was never verified by the creditor but its still on my credit report. 
USDOE/XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$330.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$940.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$950.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$2200.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please re-investigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-09-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MD)

Before the Covid-19 pandemic I have tried to get in a payment plan with Sallie Mae. They have continously given me the run around with no real assistance. Since the pandemic I was granted 1 covid forbearance. I've tried multiple times ( 7 - 8 ) times to get this handled and applied again but am told that there is nothing that can be done to help me. Today ( XX/XX/20 ) I spent almost an hour on hold waiting for my account manager to get back on the line to tell me what repayment options I had. She never returned and the call was disconnected. I called back, they stated she was unavailable and then told another associate to tell me to call back after XX/XX/20. Once again, no options and no help! I feel as though they want me to default on this loan. I am trying to pay what I can every month but can't afford it. Every single time I call someone gives me a different answer or a wrong answer. Its utter disregard for the customer and disgusting practices by Sallie Mae.
Consumer complaint received 2022-04-26
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have reached out to the company on several occasions to try and resolve my issue. I have also disputed their reporting with the Credit Bureaus to no resolution. I have asked for proof the debt belongs to me such as written agreement creating my original requirement to pay. I was told and provided a statement copy, which does not establish my ownership of the account in question. Several agents told me this is the only information available. The agency continues to call several times a day regarding this debt.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

I had XXXXXXXX XXXX XXXXXXXX XXXX withdraw money from my account to pay this debt off with Midland Financial on an XXXX account. XXXX is showing the account is not settled and Midland Financial is playing both sides with me and XXXX.