davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and Experian ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - Experian ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and XXXX has certified the bankruptcies filed were confirmed as being accurate. XXXX  the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying XXXX the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX  sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating XXXX has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information XXXX, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. XXXX had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my XXXX file, and the bankruptcies were removed I provided a letter from XXXX dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and TransUnion ) verifying information with XXXX the furnisher of information that doesn't exist according to XXXX. Unless each CRA can provide to me a copy of their investigation via XXXX, that will show a valid and confirmed investigation report with XXXX confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or XXXX is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and XXXX. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DE)

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting my money back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

My insurance has lapsed due to nonpayment by my processor. They say they've mailed check twice, but my insurance company says it hasn't been received. Now i have no insurance, and NO ONE will talk to me. I make my payments each month, never late. I have called and called XXXX, spoke with them XX/XX/19, tried to speak with them on XX/XX/19, and again today XX/XX/19 with NO RESPONSE. I need them to pay my insurance company PLEASE!!!!!
Consumer complaint received 2019-12-16
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. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-XXXX  account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

XX/XX/2020 contacted company to make XXXX Payment - accepted as paid in full. XX/XX/202, submitted XXXX payment - accepted as standard payment but still received bill requesting I submit another lesser amount for XXXX payment without acknowledging XXXX payment. Tried to make contact utilizing e-mail services only to be told to call operators. Covid-19 issue has overloaded phone lines but company insists that I call. Tried phone contact only to be coerced into automated system which has no parameters for this type of inquiry. Tried e-mail contact again only to be ignored. If I do not make SECOND monthly payment, I will be charged LATE fees due to their lack of responses to my questions. If I had unlimited funds, this credit card would be paid in full.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There is no authorization of Overdraft link between my Bank of America checking account and my Bank of America credit card account ; however, someone from Bank of America Credit Card account transferred an unauthorized amount of {$18000.00} from my credit card money to my checking to pay for checks of {$20000.00} as an overdraft on XX/XX/2020. I called Bank of America credit card representative to ask the refund of {$18000.00} to my credit card account on XX/XX/2020 because of an unauthorized. The representative filed a refund paperwork for me, then said the fund would be back in my credit card account in 3 to 4 days and a BOA letter would be sent to me explaining its resolution within 10 days. She also told me that there would be no charged fee related to this unauthorized transaction at all. I did not receive the letter as told. I called BOA on XX/XX/2020 and teleconferenced with BOA checking representative, XXXX, and BOA credit card representative, XXXX. XXXX and XXXX both confirmed there is no overdraft authorization link between my checking and my credit card accounts at all. XXXX told XXXX to submit the matter to his supervisor for resolving it, but his supervisor did not want to resolve it, he instead said BOA would send me a resolution letter for this issue within 14 days. I did not receive it. I called BOA credit card again on XX/XX/2020 and talked to XXXX, a BOA Specialist, about my issue. XXXX said the BOA checking side did not want to return the fund to my credit card account although BOA credit card side requested it on XX/XX/2020. She said she could not resolve my issue herself. She recommended me that I could write a letter to BOA in Florida headquarter to ask for resolving it or I could sue the BOA on the policy of NO RESPONSIBILITY FOR AN UNAUTHORIZED TRANSACTION stated in its VISA policy. I wrote letter to BOA headquarter in Florida about this transaction, and sent it on XX/XX/2020 but having no BOA reply at all so far.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

PayPal Credit/Synchrony Bank  is participating in identity theft During the month of XXXX, XXXX, the name on my PayPal Credit account through Synchrony Bank was changed to different person 's name ( XXXX XXXX XXXX without my authorization and without the bank taking steps of proper authorization! I immediately contacted the back as soon as I became aware of this yesterday, XX/XX/XXXX. I noticed statements emailed to me in XX/XX/XXXX and XX/XX/XXXX it had someone else 's name on it. When I called the bank they told me they don't know how this happened and they said the only way for me to change this back is for me to mail them a copy of my driver 's license and social security card! This is unsafe for anyone to share their personal ID in an unsecure way and is how identify theft happens. I shared my concern and told them this was their error and they need to reverse the change. I securely emailed my previous statements and screenshots through their portal showing MY name on the account and also verified the initial account opening, etc. I have had this account since XX/XX/XXXX. They continue to insist that I must email copies of my personal ID and SS card and this is their procedure. This needs to be investigated and corrected right away!
Consumer complaint received 2020-04-22
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)

From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to Experian, XXXX and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like Experian, XXXX and XXXX they have yet to respond in our favor
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

There is an account that has been reporting as deragotry on ALL of my credit reports, since XXXX. Name of company is CACH LLCz i disputed this with XXXX & XXXX. They will not provide proof and validation of the accused debt. Nor will they remove it. 

It is negatively affecting my credit score, and i can not get approved for any sort of loans. Including Secured credit cards that require no credit as you pay collateral.

Specific account info : - CACH LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX Also, over 5 inaccuracies in inquiries repoeted and affexting me negatively that are beyond the statue if limitations of length. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : INSURANCE UNDERWRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Please advise how CFPB can protect me as a Consumer against these predatory lending efforts to ruin my credit scores and affecting my family from obtaining a mortgage for a house to live in
Consumer complaint received 2024-08-20
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. (CA)

Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (SC)

I have a monthly payment of around {$400.00}. Each month I electronically transfer the payment from my XXXX XXXX account to my pen fed account. I pay XXXX monthly thinking that I would be reducing the principal because the excess would be applied to the principal. Despite the fact I have made the request several times, Pen Fed applies the additional fund to the following months payment or interest. They told me if I wanted to pay additional on the principal, the only way I could do it was to send the money to my pen fed savings account first and then transfer it to my car loan. 

This practice seems to be an unfair practice. Pen Fed is aware that my intention is to apply the additional funds to principal, but has refused. It doesnt seem right that I should be forced to transfer funds into my savings in order have the funds applied to principal.
Consumer complaint received 2020-04-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (MS)

I talked to someone with Sallie Mae and it was agreed that I would pay {$3900.00} on a student loan and then be released from the balance. I was a co-signer. The payments would be XXXX in XXXX, and payments of XXXX for the following 5 months. When I called in to make the payment first payment, the employee too the full amount ( XXXX ) all at once from my account instead of the agreed amount. When I tried to call them, they refused to let me speak with the person that did this, they didn't apologize, or anything. I have a written letter showing the agreed upon payments, and for him to do this is wrong. I want this person reprimanded at the least, but would prefer to see him fired so he can't lie to other people. His name is XXXX XXXX Employee XXXX    XXXX extension XXXX for number XXXX in Delaware. This department went out of their way to make excuses and not help me with this situation.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

This is in relation to my previous complaint XXXX where XXXXXXXX XXXX  put 3 inquiries on my ChexSystems report without my consent. Chex System 's dispute process is a sham, just a dog and pony show to fool the customers and the regulators. I specifically asked them that my consent was not asked and all they keep repeating like a broken record is " the information is accurate and complete '', they wont even say in writing that they asked for my consent which they know is not true. They didnt even bothered to ask XXXX a simple question which is if they asked for my consent or not? They just type up some random non sense in their response and think the customer will just give up in frustration and walk away. 

And I have finally received and attached the proof that they are all lying. Finally XXXX admitted they did not ask for my consent ( see attached letter from XXXX ) but Chex still has not removed this 3 inquiries from my report. I will keep filing complaints exposing their lies and sham dispute processes till they fix it
Consumer complaint received 2020-04-22
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. (MO)

There are several accounts that have been fraudulently opened in my name. The following accounts XXXX XXXX, and all the accounts listed as Dept of Education/XXXX. These accounts do not belong to me & I didn't give anyone permission to open them in my name. I have been a victim of identity theft and I have explained that the Equifax without any assistance. I have send the documents that they requested, a police report, ID, identity theft report but they still report these accounts.
Consumer complaint received 2019-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called Capital One Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

Bought an engagement ring last XX/XX/2018 through syncrony bank. They constantly took payments from my bank account yet claimed they never got them. Made multiple double payments which they claimed they never got. They raised my balance that was paid down to XXXX dollars to well over XXXX which i never even spent that much to begin with. Put my account 90 days late, closed they account and sent it to collections even showing them proof all payments were paid. I provided them with dates over the phone that payments exites my account. The bank then closed my account due to it looking like fraud as payments were taken out but they never got them. 3 payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all disappeared. Ive never had a late payment on any credit card or mortgages in over 13 years except from this company!
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

THIS IS NOT A DUPLICATE >> DO NOT CLOSE AS A DUPLICATE as you have to provide the supporting calculation requested! It is a LOANCARE ERROR that they closed the prior CFPB complaint as a duplicate when it was NOT a duplicate. 

LOANCARE responded to the CFPB on XX/XX/2021 stating this " The second lien has no interest and will be forgiven if you comply with the terms in the note. The two balances are combined on your billing statement but you are only paying interest on the first lien '' -- -n HOWEVER, LOANCARE provided no supporting calculations to support their statement. Please provide the supporting calculation that shows you are only charging interest in the Note XXXX and not the 2nd lien Note 's XXXX.