davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Saks Fifth transferred my credit card account to Capital One in the summer of XX/XX/XXXX. I rarely use this card and it is one of a few cards on my account. 
I started getting calls from Capital One demanding payments the week of XX/XX/XXXX, which did not make sense for me - I was getting XXXX balance in my online account, there were never any paper statements, so I thought the calls were a scam. Finally I called the number on the card on XX/XX/XXXX and it turned out that the account I was accessing was the old account that was closed, the access to the new account was blocked, yet the paper statements were never sent to me and there was a balance on the account. I requested to get paper statements, and they were sent to me on XX/XX/XXXX ( see attached ). Once I verified that the purchases were mine I called back Capital One, they agreed to remove late fees and interest and I made a payment on the same day, so the transaction is reflected on my account as of XX/XX/XXXX. 
Yet soon after I started getting messages from my bank account that my FICO dropped significantly. I had a FICO of XXXX and now it was showing XXXX ( based on XXXX  - see attached ). The investigation into my credit report confirmed that the drop was due to delinquency reporting on Capital One credit card account. I called Capital One, but all representatives were saying that's not in their scope of responsibilities, while being transferred 6 times. I later wrote a letter, but they responded they'll not remove delinquency out of courtesy. I wrote back explaining that the payment was sent out as soon as I received the info about the balance, the original statements were never sent to me, so I never received the bills, but they never responded. 
I believe the reporting of delinquency is not justified as they reported it while they blocked me from accessing balance information - no paper statement and no online access.
Consumer complaint received 2021-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX  XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-09-02
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. (MD)

I submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I placed an order for a workout machine by a company named XXXX / TD Retail Card Services back in XX/XX/2020. It just so happened that covid-19 hit so shipping of the item was never made. I spoke to customer service at least 30 times with waiting times of an average of 2 hrs per call. Everytime they told me that they did not know where the item was. So I told them that I wanted to cancel the entire order. Months of fighting with this company, they were finally able to locate the device that never made it to my destination.

Months pass and looking at my credit report there was still a balance unpaid of {$490.00}. I again spent countless hours trying to get ahold of multiple departments each pointing the finger at one another without being able to get any resolution. They are stating that the {$490.00} remaining balance is due to a restocking fee. I  fought and spoke to supervisors on the matter that the machine never made it to my house so why would I have to pay for a restocking fee. They are now refusing to take this charge off and its hurting my credit. I refuse to pay this exaggerated fee of an item that i never received and I cancelled. 

I made attempts to make disputes for each of my credit bureaus and because XXXX / TD Card Services are stating that its a valid charge they can not remove it. This is hurting my credit and I am also getting phone calls. Can someone please help me get this resolved? 

Company : TD Retail Card Services / XXXX XXXX I have an account # and other information to help me fights this.
Consumer complaint received 2022-08-04
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. (WI)

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I contacted Freedom Mortgage and sent them my Insurance Policy. This included multiple messages with my insurance information attached as well as calling XXXX to have them send Freedom Mortgage my insurance information. Freedom Mortgage refused to recognize my insurance. I then filed a compliant with the CFPB and attached my insurance documents as well. As a clearly punitive action, after I filed a complaint with the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX Customer Service responded saying he went out and purchased an insurance policy without my permission and overnighted the payment WITHOUT MY PERMISSION. This is completely unacceptable as I clearly provided my insurance information. 

CANCEL THE CHECK TO TRAVELER 's for the insurance policy you illegally purchased on my behalf and respect the policy I provided you MULTIPLE times through multiple forums. My policy is attached AGAIN for your review.
Consumer complaint received 2020-07-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My husband ( an active XXXX ) and I applied for a refinance with Mr Cooper mortgage services on XX/XX/XXXX. They already have our existing VA loan and we requested a streamline IRRRL with an expiration date of XX/XX/XXXX. At the time the rates were very good and we were reassured that they will take care of our loan so we turned down multiple other offers. We have not needed to change anything on our end, not the POA or home insurance or anything that was reviewed multiple times by Mr Cooper during this process. The only change since initial application is that my husband 's credit score has increased 100 points many months ago. I feel like we are being deceived by Mr Cooper. They keep extending the rate lock of 2.75 percent over and over again. The most questionable thing that keeps happening is the loan processor XXXX XXXX calls me on the phone to tell me not to pay the mortgage as we are about to close and it may hold up the process. In XXXX she told me not to pay for XXXX and I told her via phone conversation that I was uncomfortable with that and went ahead and paid. It seems I did the right thing because the refi still has not closed as of today XX/XX/XXXX. She told me to delay in XXXX for the XXXX payment as well which I did and I think they charged me a penalty. She again told me this month I did not have to pay as the refi will definitively close as of XX/XX/XXXX. I repeatedly called and emailed both her and her management all last week to respond on the status of the loan without answer before finally paying yesterday. So are they trying to incur penalty fees or find a way to not process our loan by misleading us or both? They won't tell me why the excessive delays on what is suppose to be the easiest loan to process even though I have asked many times. My phone calls and emails generally go unanswered which is very frustrating.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I bought an XXXX  XXXXXXXX XXXX XXXXXXXX that was locked to the XXXX  network from BestBuy on XX/XX/2022. I paid the full amount using my BesyBuy credit card on XX/XX/2022. XXXX sent me to collections recently for an amount of {$1000.00}. I called XXXX customer service to find out what this amount is meant for and I was tol by the customer service agent that the amount is for the XXXX XXXX XXXX XXXXXXXX device. I explained that I already paid the full amount and that XXXX should contact BestBuy to verify that I have paid off the full amount for the phone. They refused. They sent me to collections because I would not pay twice for the same phone. 
I am writing this so that this organization would mediate between me and XXXX regarding this issue. In the first place, I did not purchase a phone from XXXX. I purchased the phone from BestBuy and I see no reason XXXX would contact me to pay for a phone I already paid for. 
Another argument XXXX brought forward was that EMEI number in my receipt does not match with the EMEI on the phone. I contacted BestBuy regarding this and they made me understand that there are two EMEIs on an iphone. EMEI1 and EMEI2 on the phone box. EMEI2 number was used to process my payment from BestBuy and according to BestBuy, any of the EMEIs is good enough. XXXX only wants to see EMEI1 on the receipt or on the account. I am only a customer that purchased an item and I am not responsible for creating receipts. BestBuy and XXXX should work this out. I have lost almost 60 hrs of work time from XXXX till now driving around to XXXX and BestBuy store trying to solve this problem without any progress
Consumer complaint received 2020-09-02
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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   XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX  XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-04
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. (MA)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (FL)

We were about to sign for our TCF Bank HELOC when we received this email message : " TCF Bank has made the decision to prioritize all purchase and refinance transactions that are currently in the banks pipeline at this time. When capacity allows, TCF Bank will change focus on closing your HELOC transaction. We understand that may delay projects you had planned, but we are fully committed to continue on working your application for you as soon as possible based on our capacity. '' My loan was in the pipeline long before other loans that are being prioritized above my loan. They are now telling me that our loan will not close until sometime in XXXX. I believe this to be an UNETHICAL practice and would like to be advised as my best course of action.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (PA)

Tried to dispute XXXX XXXX denial that we decided to let the claim go if I made payments over 12 months totaling {$1000.00} dollars they reneged on the deal took my money and kept it on the books. I was disrespected and handled non-professionally and with no integrity on their part. HELP HELP HELP HELP XXXX XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NE)

Helllo, I attempted to transfer money ( {$1600.00} ) from my PayPal account to my checking account on XX/XX/2019. However, I inadvertently sent it to a XXXX checking account I do not have access to. It's an active account but I am no longer listed as a user on the account and haven't been for over a year. When I realized the mistake I contacted PayPal ; the representative said that because the transfer was accepted by XXXX that I'd need to call XXXX to fix it on their end. So, I contacted XXXX. The XXXX representative said that because I do not have access to the checking account, there's nothing XXXX can do and it would need to be resolved with PayPal. 

I contacted both PayPal and XXXX additional times to relay what the other institution told me, without luck any time. Ive filed claims ( denied by PayPal, determined that it wasnt actually unauthorized activity ) and sent messages but both insist that it must be handled with the other institution. I also contacted the CFPB by phone but the representative said the only thing she could find was to contact PayPal, which of course, I've already done. 

The money didn't go to the intended recipient and I just want it to go back to originating account. I'm stuck and havent been able to find any potential resolution to recover the money.
Consumer complaint received 2022-08-04
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. (GA)

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three. 
15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.