davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted TransUnion on XXXX XX/XX/XXXX after review of their response to my 2nd CFPB complaint. I spoke with a female representative with an accent who transferred me to the fraud department. Once connected to the fraud department, I spoke with a male representative who could not explain why my credit score on my account maintained by TransUnion dropped significantly, 65 points ( as reported by XXXX XXXX ), in XX/XX/XXXX. He viewed the account and could not find any recent adverse changes on my account, last action was the removal of a collection account. Absolutely, no credit inquiries were noted as the last inquiries were in XXXX. I asked that he transfer me to a supervisor. I was then connected to XXXX, she was also unable to explain the drop in my score as there were no adverse changes to my credit profile. She attempted to connect me to a representative above her, but was unable to so instead she offered to have a representative call me back. I have not obtained a callback as of today ( XXXX XX/XX/XXXX ). I am going to move forward with contacting the Federal Trade Commission and if no resolve is reached after this complaint. If I am unable to obtain correction of my score after filing a complaint with the FTC against the CFPB and TransUnion, my next step will be to file a lawsuit to address this matter since the CFPB and FTC would have failed to assist with sufficiently resolving this matter. I spoke with TransUnion representatives and they were unable to ascertain what specific adverse activity caused the 65 point drop in My score on or about XX/XX/XXXX. In addition the CFPB nor TransUnion are willing to properly investigate this matter to correct it or provide " specifics '' regarding what caused the 65 point drop in my credit score maintained by TransUnion. However, this unfair and inaccurate score is negatively impacting My financial profile in commerce, which violates the Fair Credit Reporting Act ( FCRA ) and thus My consumer rights. My desire is that my lawsuit becomes a class action as I am sure I am not the only consumer impacted by TransUnion credit score calculation glitches and therefore other consumers are also being adversely impact by TransUnion 's violation of the FCRA via its inaccurate credit scoring. I have opened 2 complaints prior to this complaint and both were closed WITHOUT resolution. If this complaint is closed WITHOUT proper resolution, my aforementioned steps will be carried out post haste and I will see TransUnion and the CFPB in a court of law.
Consumer complaint received 2020-07-01
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. (SC)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/2020 Experian XXXX XXXX  XXXX XXXX, TX XXXX Re : Student Loan No. XXXX, XXXX, XXXX Hello Experian : Oh My XXXX, I received a copy of my report today and it is showing my student loan with several late payments. 
My loan has always been in forbearance and I have not been required to make any payments at all. 
The loan reports OK for several months in a row and then all of a sudden it jumps to 90 Days Late to 120 Days late. 
You can not go from OK straight to 120 Days and then back to OK without any payments having been made. 
Somebodys computer system is messed up. 
Please remove the late payments and send me an updated credit report Thank you for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

For the last 5 years I have attempted to access my Experian credit report to no avail. I have called verified ACCURATE information, mailed identification, now when I call i get caught in IVR XXXX. 

I have exhausted every method to access this information-where credit is often denied from. When I attempt to pull it simply tells me to call then to send information. I have let it go for years, now I want to verify, confirm, what is on that report. 

Please assist.
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

The complaint is about PayPal , Inc . 
On XXXX XX/XX/2020, Paypal debited my bank account for the amount of XXXX for delivery of certain goods. 
The goods were not delivered and my emails to the vendor were remained unanswered. 
On XXXX XX/XX/2020 I filed a complaint to Paypal informing them that the goods were not delivered and no response from vendor had been received. 
On XXXX XX/XX/2020 Paypal informed me that they have contacted the vendor but not received any reply. I filed to Paypal again to escalate my complaint. 
On XXXX XX/XX/2020 Paypal informed me they have contacted the vendor. 
On XXXX XX/XX/2020 I provided copies of my emails requests ( all left unanswered by seller ) to Paypal. 
On XXXX XX/XX/2020, Paypal provided a webllink XXXX XXXX XXXX XXXX XXXX alleging the goods were delivered. 
Since XXXX XX/XX/2020 till now, I have checked the alleged website, there is no email address for contact and there is no online form for contact either. Then repeatedly, I have asked Paypal through online message cerntre to provide me a proper email address for the alleged shipping company so I could contact, as of now Paypal has refused to do. I have also requested Paypal to provide me with details of its regulator, and Paypal again has refused to do. The website of Paypal says I can request print copies of online messages - I have requested print copies of messages to be sent to me and Paypal has refused to do and hence has false and misleading information on its website. I have also filed complaint about the Paypal conduct through their website since XXXX XX/XX/2020 and they have not replied. Today, XXXX XX/XX/2020, they sent me a message through their message center saying they can not do anything. I am filing complaint against Paypal for ( 1 ) charging my account but not delivering the goods, ( 2 ) refusing to provide proper email address for communication with them and/or with the alleged shipping entity, ( 3 ) refusing to provide me print copies of my online messages to them, ( 4 ) refusing to provide me details of their regulator for me to file a complaint against them, ( 5 ) refusing to answer to my specific questions but trying to frustrate me and waste my time through their online messaging center which they refuse to provide me copies and there is no mechanism on their website for printing the messages. 
If you require any other information, please do not hesitate to ask.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (NY)

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a XXXX  balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' XXXX XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be XXXX XXXX monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!! 
**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX  monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF EDXXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO   Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have continuously disputed XXXX XXXX XXXX XXXX on my TransUnion report. I have provided sufficient documentation over the course of several months as well as a police report. 
This account that you are reporting does not even bare my name, but a name that is possibly similar to mine. 

TransUnion continues to report this account on my report that does not belong to me and has not been properly investigated nor deleted.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc. (NC)

On XX/XX/XXXX, I asked the branch manager at Velocio if my loan application included the option for a float down. Emails from Velocio say it was eligible for a " one time rate negotiation float down that must take place outside of 10 days from your confirmed close date ... the rate improvement must be .25 or greater in nature '' ( see AttachmentA ). With rates falling, this was a MAJOR FACTOR in choosing Velocio over other lenders. 

On XX/XX/XXXX ( 12 days before closing ), I compared rates with other lenders and found that they had fallen significantly. Velocio confirmed over the phone that their rates were more than 0.25 below the rate I received. However, in an email, they conveniently changed the requirement to 10 BUSINESS days ( see AttachmentB ). This is still enough time .. but apparently Velocio employees have off on Friday, so it doesn't count as a business day. Shame their office schedule isn't publicly available. They then point to my purchase contract and threaten {$11000.00} in charges if I decide to go with another lender ( note : the builder owns the lender ). 

The system only works when consumers can trust the information given to them and act based on their best interests. I chose Velocio as a lender based on the parameters that given to me early in the process and now those parameters have been changed. I want to assume positive intentions on their part, but there needs to be a penalty to discourage this behavior against first time homebuyers like myself in the future.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (OH)

Date : XX/XX/2020 My credit score ( XXXX  and Equifax ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with XXXX  subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?
Consumer complaint received 2020-07-01
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Complaint involving Capital One Bank and XXXX XX/XX/2020 : Filed a dispute with XXXX  and XXXX  regarding my Capital One Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX  that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my Capital One Credit Card account was totally removed from my XXXX  Report XX/XX/2020 : I reviewed my XXXX  Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My Capital One account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( Capital One ) and the XXXX  and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

Capital One has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from Capital One, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my Capital One Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I had a home loan with Freedom Mortgage which I refinanced on XX/XX/XXXX. The loan is now paid off. On XX/XX/XXXX, prior to the refinance, Freedom withdrew {$3800.00} from my impound account to pay my property taxes. For reasons unknown, Freedom did not send the funds to the tax assessor timely. In order to complete my refinance, I was forced to pay my property taxes out of pocket with the promise that the check from Freedom mortgage would be an overpayment and refunded to me. 

I contacted the county tax assessor to see if duplicate tax payments were received.The assessor confirmed Freedom 's check was received after they received payment from the title company on my refinance. The tax assessor advised the overpayment needed to be refunded to Freedom Mortgage and Freedom would refund the money to me. 

I logged in to my account with Freedom Mortgage and see that the refund from the tax assessor was credited to my impound account on XX/XX/XXXX. I've been waiting for a refund that has never been sent. Instead, Freedom has been holding {$3800.00} of my money on a closed account and refuses to refund the money to me. Freedom has also assessed a {$190.00} recording fee twice on my account, once on XX/XX/XXXX, at the time of payoff and again on XX/XX/XXXX - a month after payoff, with no explanation whatsoever. 

I sent a secure message through their website on XX/XX/XXXX and received no response. I called on XX/XX/XXXX and was told the refund should have been issued within 14 days of their receipt of the funds in XXXX and he did not know why the refund wasn't sent to me. He assured me he would get the refund processed and the check would be issued no later than XX/XX/XXXX. 

I logged into my account today and the impound account credit of {$3800.00} is still sitting there on my closed account. I have spent another hour on the phone today with a service rep that was nice but couldn't help me. I was told her supervisor would need to research this and get back to me. 

I have spent a tremendous amount of time dealing with Freedom Mortgage with no success. The gamesmanship needs to stop and their business practices need to be investigated.