davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

RE : Foreclosure State Case XXXX Civil XXXX XXXX, Florida Property : XXXX XXXX XXXX XXXX. XXXX Fl. XXXX Mortgage Loan Acct : Mr. Cooper Case Number : XXXX PART 1 Since as early as XXXX/2015  Mr. Cooper [ thru ] employees XXXX XXXX, XXXX, and others known and unknown employees [ with ] their legal representative XXXX  XXXX  XXXX ( by and through ) associates XXXX XXXX ; XXXX XXXX and others known and unknown associates are knowing conspiring to either " facilitate '' and/or " in aiding " abetting in furtherance of the conspiracy ++over-acts++ of [ false statements and deceptive information ] to ( willfully purposely ) delay the confirmation of the successor interest for it will triggers successor becomes the borrower having private rights to assume the mortgage and file private action for violation of federal laws Cooper selling the property and getting away with it for it. 
XXXX PART 2 This federal agency CFPB own regulation as given them a way to get away with it by them just delaying making successor the borrower. 
Was that intentionally sinc eit seems to me the drafters of the regulation are attorneys cheating the public deceptively implementing a rule that looks good to help consumer but in fact leaving it open so the creditors can still cheat the consumer anyways.
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

XXXX Her name is XXXX XXXX and she hacked my account and sent herself XXXX. She is a fraud and I would like my refund! She even said it was for XXXX tickets and used my military husbands card!
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I opened a secured credit card with Navy Federal Credit Union. I also had direct deposit going into my checking account that was to be used for automatic payments. At some point in 2019 I became ill and was hospitalized with a XXXX XXXX with complications. I thought that because the account was secured and that automatic payment was set up, the account was fine. The account balance was payed with my secured balance but what was left which consisted of only bank fees, is being reported to credit bureaus as delinquent. I called the company and asked why they didnt take the fees automatically with my auto pay? They said because it was over limit the automatic pay was cancelled and direct payment was required. Mind you at the time I had {$500.00} in my account and the fees were only {$50.00} and change. Furthermore I was hospitalized and didnt even know the delinquency had occurred. I contacted the company on three different occasions to explain the situation but they refuse to resolve the matter. I would like to have this matter settled fairly and have the delinquency removed from my credit report.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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. The following inquiries listed below need to be deleted from my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-11-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE UNATHORIZED INQUIRES THAT ARE NOT RELATED TO ANY OPEN ACCOUTS I HAVE AN ACCOUNT THAT DOESN'T BELONG TO ME AND ANOTHER ACCOUNT WITH AMOUNT REPORTING NOT CORRECT AND ANOTHER ONE WITH IN CORRECT STATUS SEE WORD DOC ATTACHMENT FOR DETAILED EXPLANATION
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MERCHANTS CORPORATION (IL)

Again, the mobile app gave the error message, " The data network is busy, please try again or come back later. '' The balance was {$110.00} in my account. This morning, I checked the app again and my balance went to {$110.00}, however, there was no debit transaction to account for the {$4.00} difference! Everytime I bring this to the bank 's attention, they lie about it. In this case, they told me they don't see a balance of {$110.00}, they see a balance of {$130.00} before other transactions came through, they always make up an excuse. They never reimburse me, but I took pictures this time.
Consumer complaint received 2022-04-14
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-11-26
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. (OK)

On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of Equifax data breach. I want to delete all unknown and inaccurate account or I will file litigation.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to LexisNexis on XX/XX/2021 and was not responded to. LexisNexis is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (NY)

XXXX should be held responsible because I applied for a Home Depot credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I received a notice that my coronavirus nsf fee waiver would end on XX/XX/2020 on XX/XX/2020. I had been caught up with moving out of an apartment I could no longer afford due to my roommates mom XXXX from XXXX. At the end of XXXX I realized that USAA had taken almost {$500.00} in nsf fees from my account. After working my way up to the office of the XXXX, I was told they would assign me an advocate. The advocate called me a few days later with almost no knowledge of my complaint and told me that they were keeping the fees. I was eligible for the waiver in XXXX, as I was severely overextended from the move. To be ineligible because I hadnt known the waiver could be extended seems predatory, as I really need this money. Please help!!! I can not afford to take this to court.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (AL)

I have been turned down for several jobs due to inaccurate background and credit reporting. These reports were an out of pocket expense for {$29.00}. Dates include XX/XX/2022
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

XXXX, {$1000.00}, XXXX, XXXX XXXX has sold Lvnv Funding a debt that effected my credit score. I contacted XXXX  XXXX and they will not release any itemized statement or fine print to established this debt nor LVNV Funding.3 and half years, I disputed the debt was not mine and asked for it to be removed and deleted off my credit history. Now they are moving this account through all 3 Credit Bureaus which is hurting my credit score and costed me lot of wasted time. I sent police report of identity theft to all parties involved.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CO)

I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Barclays, regarding my Barclaycard XXXX card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. Thanks.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is in violation of the FCRA by taking over 45 business days to respond to my letter. I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XXXX XXXX, 2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.
Consumer complaint received 2021-09-23
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. (CA)

Experian, XXXX and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, Experian reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CT)

This is related to my complaint on XX/XX/XXXX with Goldman Sachs XXXX. The bank responded that they closed my account while I still have {$5000.00} left in my checking account. They have NOT returned my money.
Consumer complaint received 2021-10-01
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. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/2019, I went to Capital one Bank Branch to set up automatic payments for both of my credit cards. so I wouldn't have to worry about calling to make payments. The representative told me that I was already all set for automatic payments, I gave them the credit card and the checking account information and the due dates for both credit cards which is the same day for both credit cards, but She didn't do it correctly. I thought the credit cards payment were debited from my Checking account. But in XX/XX/2019 my son taught me how to get into the capital one bank app and he noticed that my payments were not debited from my checking account. As a result Capital one charged me late fee for several months and Capital one Bank put my account as delinquent for both credit cards. the months that my both credit cards were compromised were ( XXXX, XXXX, XXXX, XXXX and XXXX in 2019 ). I went to the branch to speak to manager and they told me there is nothing I can do. I expressed that is been a mistake by their associate. but they didn't want to help. Since I was denied several times and my lack of knowledge. I couldn't do anything and didn't know until now that it was affect really bad to my credit. Now I'm applying for a mortgage and the interest rates are high due to the delinquent accounts that capital one reported. I would like to request support with this matter because it is affecting to buy a house.
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 XXXXThis 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 two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, my Experian credit score dropped 28 points. When I looked into this issue with creditwise.com and freecreditreport.com I found that the only suggested reason for the drop in my credit score was due to my XXXX XXXX credit card. 

After speaking to a XXXX XXXX representative, I found this information : In XXXX of XXXX, my credit score dropped significantly ( by approximately 28 points ). Since then, I have not missed a payment on that account. Since XX/XX/XXXX, I have made well over the minimum payment every single month, on time. My new balance is now {$160.00} ( Down from over {$8000.00} originally ). I was told that credit monitoring companies, such as Experian, sometimes make credit adjustments due to extremely old user errors ( such as missed payments ), however, because I have already had my credit go down due to this same exact error, they should not have dropped my score a second time. The XXXX XXXX representative told me that if I filed a dispute with Experian, they would call XXXX XXXX, investigate my recent payment history, and that XXXX XXXX would confirm that I was proving great reliability. 

Since my disputes ( 2 so far ), Experian has not changed my score at all nor have they provided me reasoning as to why. Their phone system does not allow me to speak to a real human to gain answers. 

XXXX and XXXX RAISED my credit score last month by 7 points. I see NO REASON why Experian could have lowered my score. Every bill I have, every card payment, ever debt I owe has been paid on time. I deserve explanation and answers.