davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I believe my property was wrongfully foreclosed on. I have sent a large attachment with correspondence and the following to thetrustee that foreclosued on my property. The pages correspond with the attachments I had sent. There was gross negligence by theemployees and account managers assigned to my XXXX XXXXXXXX and it resulted me in losing my home when i didn't even know there was apending sale. I was unaware of an active sale date of my property and found out about it when the third party showed up at myproperty letting me know they purchased it at the auction. Up until XX/XX/XXXX, I was in communication with my accountmanager assigned to my XXXX XXXXXXXX to fi nalize a trial modifi cation I was approved for in XXXX of this year and had made 6 successful trialmodifi cation payments for. I was in an active modifi cation trial and had made all trial payments. Contradictory information andnegligence for months caused the sale of my home, a sale that I wasnt even aware of was pending. I was in communication with myaccount contact who was following up with the escalations department TWO DAYS PRIOR to the sale which led me to believe my fi lewas still being worked on ; a follow up for something that was submitted to the escalations dept from XX/XX/XXXX for documents that weresubmitted for review by an employee of Shellpoint on XX/XX/XXXX! Again, I dont want to start any legal proceedings, because I believe thiscan be resolved by reversing the sale of the property, and with the information I provided, I believe I have just cause to have thatdone. I will not lose a house thats been in my family since XXXX because of the careless and negligent mishandling of mymodifi cation by Shellpoint and their staff. I have over 60 pages in correspondence that I've printed and notated. I would like theforeclosure rescinded and be given the actual chance to pay back the amount that was owed. I again would never have let my familyhome of 34 years slip through my fi ngers had I known it was in active foreclosure. I request review and resolution to be able to getmy home back. THank you in advance
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX, I was alerted that my checking account had a low balance. Upon checking the problem was a draft of {$560.00} from my PayPal account. My checking account had a balance of {$170.00} at the time. When I checked my PayPal account there was a draft created from PayPal balance account. I have never funded this account all payments come directly from my checking account. I also found an email address and another bank listed that did not belong to me, which I immediately removed. Transfers of this kind take 3-5 days to complete, so the PayPal balance did not yet show the increase of {$560.00}. I then went to my bank and tried to stop the transfer which was already complete on their end. My bank account was locked and I got a new account and debit card. After 2 days they also credited the overdraft charge back to me. It took a few trys to get a response from PayPal. By XX/XX/XXXX they had locked my account. On XX/XX/XXXX they credited the {$560.00} back to me. My account was still locked at this point, so it wasn't until XX/XX/XXXX after I was reissued a debit card by my bank that I could repay {$390.00} to PayPal. They are still requesting {$170.00} which was my bank balance. I have filed a dispute several times and they are reversing themselves and are now saying there was no fraud involved. I provided them with a bank statement from XXXX which they requested and are still reviewing. Due to my locked account I can not provide a bank statement showing the current situation.
Consumer complaint received 2022-05-03
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. (SC)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LendingPoint Holdings LLC (PA)

15 US. CODE 1681-2 XXXX consumer report an agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an illegal identity Theft not later than four business days after the date of receipt theft please delete this account as soon as possible ( Lending point LLC )! It has been 30 days and you are in violation of this law because I am a victim of identity DEF please delete this account as soon as possible These accounts should not be furnished all my consumers report is they are in violation under code 15 US CODE 2681b- permissible purpose of consumer report ( a ) in general subject two subsection ( c ) any consumer report an agency may furnished A consumers report under the following circumstance and no other ( 2 ) in accordance with the written instructions of the consumer to whom it may relates I never gave any consumer report and agency written consent to report anything or my consumer report which violates my rights as a federal protected consumer.No CONSENT IS IDENTITYTHEFT. As a consumer I am demanding the deletion of the account listed immediately ( leading point LLC )
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT SOFI ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE
Consumer complaint received 2023-04-05
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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 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 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
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I have had a home mortgage with Chase for many years, and have always paid on time. Then around XXXX this year Chase informed me that I had missed a payment, so I called them and discussed it, and learned that they were saying a payment I made was " returned. '' This turned out to be check # XXXX dated XX/XX/2022, for my XX/XX/XXXX rental payment in the amount of {$1000.00}, and I found out from my bank that this was debited by Chase on XX/XX/2022 in that amount. I explained this to Chase and thought it was settled, but then Chase started double-billing me. So I spoke with them again around XXXX and at length in XXXX or early XXXX. On XXXX XXXX, 2022 Chase sent me the bill due XXXX XXXX for {$1000.00}, but then on XXXX XXXX sent me a bill for {$2100.00} due on XXXX XXXX. I kept paying the {$1000.00} for XXXX, XXXX and XXXX, but I was sent another bill by Chase on XXXX XXXX saying I had to pay {$2200.00} by XXXX XXXX, so they were double- billing me again and adding late charges. Finally on XX/XX/2022 Chase sent me a letter admitting their error, writing : " On XX/XX/2022, we received your check for {$1000.00}, which we applied to your account as your XX/XX/2022 payment. We applied these funds effective XX/XX/2022 '' -- but the truth is Chase received this check on XX/XX/XXXX. Even though I was always up to date, on XX/XX/2022 I received an e-mail from Chase saying my " payment is past due. ''
Consumer complaint received 2022-09-12
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)

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2022-09-13
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. (AZ)

-The original conversation with Transunion was initiated to remove an inaccurate inquiry on my credit report. 

-Transunion stated I was to contact the company ( XXXXXXXX XXXX XXXX XXXX reached out to XXXXXXXX XXXX and advised them of the concern and inaccuracy, mistaken or fraudulent inquiry of my credit account. 

-After a 23-minute call to them, reaching a live person and giving my full name and the last 4 of my SSN. I was advised that I don't have an acct with them nor do they have any inquiries pertaining to my information provided. 

- XXXX XXXX  advised me to contact Transunion again to dispute and challenge the inaccurate information. 

-Additional call to TransUnion was conducted and I was advised the second time after exspressing my prior conversation with XXXXXXXX XXXX with them, to call CFPB to file a complaint. 

-now I'm filing a complaint and would appreciate the removal of the inaccurate inquiry of my credit report. on XX/XX/2022. 

Best, XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC (FL)

In XX/XX/XXXX I bought a car at a Local Car Dealer called XXXX XXXX XXXX XXXX in the city of XXXX XXXX, they informed me that I could choose to have vehicle financing options, in fact they helped me with the financing of the chosen car They informed me that the financial company that had tested my credit was Westlake Financial ; at that time I only had a passport since I had just arrived in the United States as an XXXX XXXX the financial institution Westlake Financial assigns me an annual interest rate of 23.79 %, at which they informed me that at that time they would not report my credit history to the Credit bureau of the United States, but once it had my social security number, it would send the corresponding information in order to update my information in the system and also report my usage history to the country 's credit bureaus. 

On XX/XX/XXXX, I contacted the financial institution Westlake Financial to report that I already had my Social Security Number in order to update my information, they told me that I should send the supports of my information to the emails : XXXX, XXXX, XXXX, in order for them to update my information in the system and that it would take about 30 days ; In effect, on the day I sent the support of the documents on XX/XX/XXXX, I sent said information via e-mail and made sure that they had received the information, so I contacted the financial company again, to which they informed me that the documents were already in possession. of them and that they would carry out said modification. 

At the beginning of XX/XX/XXXX, I contacted the financial company again and asked why, if I had sent my information a month ago, the credit information was not updated, after many calls they finally informed me that this was not going to be possible since he did not have the right to have a financial report in the different credit platforms because he was not a XXXX or an American citizen. 

For a year now I have been paying my credit installments worth {$390.00} on time every XXXX of each month, without having the right to obtain a better interest rate because Westlake Financial simply does not want to publish my credit report apparently for not be a US citizen or resident ; Something I don't understand is if there is such discrimination for being an XXXX  because if they grant credits with high rates to the same XXXX 

A few days ago I received a letter from a financial entity in which they offered me the purchase of my credit, they were the ones who informed me that in the United States there was an office in which they could help me, that is why I ask for your help since As I inform you, Westlake Financial refuses to update my credit information, forcing me to pay their high interest rates and without having the possibility of accessing a decent vehicle credit.
Consumer complaint received 2022-09-13
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. (IL)

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello my name is XXXX XXXX and I am a victim of identity theft. There is information on my consumer report that is a result of identity theft. My rights to privacy have been compromised instead of protected through the Fair Credit Reporting Act. I did not provide written permission or instructions to be reported on my consumer report. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am requesting that the reporting of this information be BLOCKED AND DELETED. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
Account Number : XXXX  Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Number : XXXX Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2023-04-13
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. (CA)

In according with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WA)

I have been charged with very high interest and my credit line was reduced.

My balance went from {$3000.00} to {$5200.00} I pay every month yet the company keeps reporting delinquent on my credit reporting which significantly reduced my credit score. They company have reduced my credit limit from {$9000.00} to {$5100.00} which makes my utilization insanely high. I have tried to contact the company on XX/XX/2023 and was put on hold then the phone cut off. I called back the same day and the same thing happened. I am always receiving phone calls threatening me with collection.