davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

I have made extra payments to my mortgage regularly. In XXXX, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. Since I have not yet made an extra payment with Carrington, I called last week to ask them how to make an extra payment and have it applied to the principal. They told me to go online and select " additional payment, '' and it would automatically be applied to the principal. I did, and my extra payment was applied mostly as a monthly prepayment, with only {$46.00} going to the principal. There are already thousands of complaints posted against Carrington for finding creative ways to make sure your extra payments don't go towards the principal. Why hasn't this company been shut down????
Consumer complaint received 2018-12-03
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: Bread Financial Holdings, Inc. (AR)

This is something I have never had access. I would like to know who opened the account as well as press charges on the individual responsibile for ruining my credit that I have not been able to use due to their fraudulent intentions. Everything that I have applied for has affected my credit and has been denied due to this account. I'm wanting to own my own home but my credit worthiness is beyond horrible from the hard and soft inquires. Some one also attempted to used my information to purchase a vehicle which was denied but is on my credit for the next 2 years. I need someone to help me dispute these things because I don't have anything, not even a student loan. There are utility bills in my name that I have not opened because I have never lived at some of the addresses. I tried to dispute it on XXXX  but I need direct assistance with everything thatd5 going on. Could someone please look into my file and contact me so I can explain everything that is not related to me. Please XX/XX/2018 Date Opened Open. {$120.00} past due as of XX/XX/2018. 
Status Updated XX/XX/2018 $ XXXX Monthly Payment {$310.00} Credit Limit {$1300.00} Highest Balance NA Terms {$440.00} Balance Updated XX/XX/2018 {$0.00} Recent Payment Amount
Consumer complaint received 2018-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I was in the process of changing banks and left my old bank account ( XXXX XXXX ) open since changes to my direct deposit setup were slow in going through. On XXXXXX/XX/XXXX I changed my Paypal preferred method to my new bank ( XXXX XXXX. I attempted to delete my XXXX XXXX  account from Paypal but it would not permit me to do so. I went on a trip that day for a conference in DC and used several XXXX. When I got home, I found out that Paypal had continued to send transactions through to XXXX XXXX  over the weekend, and was therefore overdrawn with overdraft fees for each transaction amounting to nearly {$400.00}. I sent Paypal a message and received an automated reply that they would respond to me within 24 hours. They did not contact me. I double checked that my preferred method of payment was saved as Chase. It was. I tried again to delete my XXXX XXXX account from my Paypal account and could not. I tried to close my Paypal account entirely, but the webpage was non-responsive. I went to my bank and asked them to forgive the late fees, and they agreed to take a little more than {$100.00} off. But by the end of the week, additional automatic transactions for subscription services were sent through, overdrawing me again by more than {$100.00}. I video recorded the problems I have had with the Paypal webpage, but  now I have lost over {$400.00} in overdraft fees because the webpage is unresponsive. Finally, I went into XXXX XXXX  and closed my accounts entirely. This morning I received notice from Paypal that they are still trying to send transactions through.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I wrote to Transunion informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided. 
The alleged accounts on my credit report are : XXXX XXXX XXXX which they did not provide an account number and proper verification IC System which they also have not provided the account number and proper documentation as I have no idea of this debt, t & finally XXXX and XXXX which yet an account number and proper verification, including my contract has not been provided. 

I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX BALANCED {$150000.00} XXXX XXXX XXXX BALANCED {$17000.00}
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Had a high balance on a Chase Credit Card. Paid of the high balance on the Chase Credit card. Then received high fees and interest month later as I continued to use card. Paid of balances that belong to me and left only the balance of fees. Contact Chase to tell them that the fees were excessive, XXXX total, and I would not pay. Now account is growing because I will never pay the card due to the excessive fees. This has been reported before and Chase determine that they are valid. So this a complaint that Chase is  apparently allowed to put any charges on customer accounts and call it valid.
Consumer complaint received 2018-04-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but Trans Union and XXXX has not followed the laws.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I received an email alert from XX/XX/XXXXnotifying me my credit was ran, " Alert : Change to your credit file detected. '' Upon further research my report indicates " XXXX XXXX '' was able to view my credit file. 
1. I did not authorize this inquiry 2. I have a credit freeze in place with XX/XX/XXXX Due to my concerned of fraud and identity fraud, that I have had a credit freeze on my account for many years. This is troubling, as I expect a credit freeze would prevent the release of my credit information. 



Thank you
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the debt was not valid. I sent them a request to have the item removed from my credit report on XX/XX/2018. Caine & Weiner instead sent me a bill with non of the information previously requested in my debt validation letter and they have not sent me anthing stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ), instead they keep harassing me with bills for a debt that has not been proven to be mine.
Consumer complaint received 2018-12-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.
Consumer complaint received 2018-12-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

There was no " real choice '' for my issue. I did a VA refinance with Freedom Mortgage earlier this year. I would give you the exact dates but this part of my problem. Six weeks ago I contacted a lady named XXXX XXXX who works for Freedom. She was the only " hard contact '' I had. I had a working email address for her. I found out that as a XXXX veteran, I was entitled to the return of something called a VA Funding fee. I had filed for XXXX in XXXX and was awaiting the disposition of that case. While waiting I had applied for a VA refinance and was subsequently approved and closed on the loan in ( I am guessing ) around XXXX/XX/XX/XXXX. I have since received word that a part of my claim had been adjudicated and am currently at XXXX XXXX XXXX rate. I contacted Ms. XXXX concerning this and asked how to go about applying for this refund. I told Ms. XXXX I never received a copy of my paperwork from Freedom when I did my refi. They subsequently sold the loan to XXXX. My first payment actually was to XXXX, but Freedom Mortgage DID close the refi and it was their loan. She gave me the number of another lady to call about getting the paperwork. I called this person and was assured I would have a copy within the week. Three weeks later and I have received nothing. I started emailing Ms. XXXX about this and she has continuously deflected my questions. She has said I should have a copy of the paperwork ( I DO NOT have a copy or I would not be wasting my time ASKING for a copy ). The last 18 days has been a continuous stream of emails with me asking for the paper work and her giving me excuses why I do not need the paperwork. In order for me to talk to and discuss this with the VA I HAVE to know what I am taking about ( i.e a copy of the paperwork so I can answer their questions ). It seems every time I contact her I get a lame excuse as to why I can't get the copies of the paper work.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Dear Experian : This is a Self-Attestation that I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Consumer complaint received 2018-12-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I received an email alert from Experian notifying me my credit was ran, " Alert : Change to your credit file detected. '' Upon further research my report indicates " XXXX Card '' was able to view my credit file. 
1. I did not authorize this inquiry 2. I have a credit freeze in place with Experian Due to my concerned of fraud and identity fraud, that I have had a credit freeze on my account for many years. This is troubling, as I expect a credit freeze would prevent the release of my credit information. 



Thank you
Consumer complaint received 2018-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc. (IA)

I re-financed a couple of my student loans through a company called earnest. I have a fixed rate loan with them so the monthly payment through the life of the loan should be fixed. I've made every payment on time. But recently, I noticed that the minimum monthly payment went up. I called them on XX/XX/18 about this issue and the lady on the phone was very apologetic saying that shouldn't have happened and they will get it fixed. On XX/XX/18, when my payment was due, the issue was still not fixed so I called again. Again, they told me that the payment shouldn't have gone up and they will fix it. They told me to just pay the normal amount they will fix the issue. I paid what I knew was due rather than the elevated amount like they told me to. Today, on XX/XX/18, I received a letter in the mail saying that there is unpaid interest and unpaid fees on the account. 

This company pushes for automatic payment. If I had been using the automatic payment option, this problem would've gone unnoticed. There are likely many other people that are victims to this highly unethical business practice.
Consumer complaint received 2018-02-16
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. (TX)

There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I have applied for XXXX/XXXX Visa and every time I apply they decline because 1 ) Unable to find credit file 2 ) Unable to verify identity. In fact I have received Unable to verify identification XXXX   months in a row. My Name, Fraud Alert Number, Address, all match.

This is the game they play with someone who has a Fraud Alert on your Credit Report ( Your basically treated like a criminal ). You fill out application all information matching credit bureaus and number also matching they ask that I call to process further processes application and eventually transfer me to the Fraud Department. They advise that I will receive a letter and it requestes to call XXXX to further process the application and they transfer me to the Fraud Department again I I hear wait for a letter once I get letter XXXX/XXXX XXXX XXXX XXXX too.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

My Balance is XXXX Dollars, I have tried to get the Public Employee loan forgiveness and they stated I did not qualify, I am a state employee who brings home XXXX dollars a month, with Medical Bills and other bills it is hard to make ends meet, Plus they send Letters to My Elderly Parent 's Home which I do not reside at this gets them upset this is Harrassment on a new level and making calls to my parent 's home but Mailing them letters is un called for when they were not on my loan I am trying but it has been hard on me, I think a loan forgiveness would be appropriate since I was pressured in to this loan and was not given the opportunity to get a Federal Student Loan I had to file Bankruptsy 1.  Mailing Letters to Family Members is Violation 2. Calls all the Time Day and Night 3. not giving me a chance to get a Forgiveness 4.This seems to never end with them
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (WI)

No credit card billing statement received XX/XX/XXXX.-XX/XX/XXXX. First notice of debt was from a collections ( XXXX XXXX ) XX/XX/XXXX. Multiple calls to XXXX XXXX and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received ( XX/XX/XXXX to XX/XX/XXXX ). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XX/XX/XXXX despite not having received a billing statement. XXXX XX/XX/XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XX/XX/XXXX is the same exact address used by XXXX XXXX  for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX XXXX XXXX collections notification. 
Multiple Calls to XXXX XXXX  failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification. 

see enclosures ( 6 )
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Issues : 1. Fraudulent equipment/Fraudulent warranty sold by XXXX/XXXX  using XXXX XXXX as XXXX XXXX XXXX. 

2. Bad faith treatment by Capital one in handling of Fraud charge. 



TIMELINE : XX/XX/2018 Purchased 2 XXXX XXXX computer servers from XXXX for {$3100.00}. 
Paid an extra {$200.00} itemized XXXX  processing fee for the fraud protection the credit card afforded me. Received no invoice or receipt from Merchant, they gave me a tracking number via the website. 

XX/XX/2018 - Received 2 - unmarked servers with no visual markings that they were what I had ordered. ( see photo XXXX. ) They worked at the time so I didnt make an issue of it. 

XX/XX/2018 - Machines shut down suddenly. After rebooting them, they overheat ( 100+ Celsius ), which is dangerous, previously they ran around 80 Celsius. I contacted XXXX/XXXX and received no response. 

XX/XX/2018 - Tried reaching XXXX/XXXX to no success. Upon closer inspection of the units it is discovered that the processing chips are actually old Bitmain ( a competitors ) XXXX cards. So the units that we bought not only dont work, they were stolen from a competitor and purported to be original. 

XX/XX/2018 - Finally received word back from XXXX/XXXX. They claim that they have no record of a purchase by me and therefore will not honor the warranty. Furthermore they claim that they never accepted credit cards. Since they were clearly misrepresenting themselves with my purchase and a trail of Credit Card details on their XXXX page, I filed a dispute with Capital One. 

XXXX - Capital one begins dispute process and removes charge from card. 

XX/XX/2018 - Capital one denies charge, fails to acknowledge fraud claim and misrepresentation by the merchant, supplies an illegible processing form from XXXX. They also claim that they spoke to the merchant, which they in fact did not. They only spoke to the intermediary bank. They ask for follow up documentation which I provide. 


XX/XX/2018 - Capital one denies the claim, doesnt acknowledge fraud and misleading representation by the merchant. They ignore the black and white fraud that the merchant is committing. 


At this point Capital One is acting in bad faith. They havent contacted the merchant, yet have said that they have done so, but in black in white there is no response from the merchant, only the banking intermediary. 

XX/XX/2018 - I submitted the case to the CFPB in hopes that they can get this issue resolved.