davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One closed my credit card and they are unable to give me any information except it " could be '' a past account where I was an authorized user. She gave me the last 4 digits of that account, but I am NOT an authorized user on any capital one account. She could not give me any further information. I have had my capital one card for over 10 years and have never had any issues. I have never been late on a payment of any kind, ever in my life. My fico is currently XXXX. I have credit back to XXXX, mortgage history back to XXXX, less than {$6000.00} in open revolving debt. I have been a mortgage underwriter for over 20 years with a large financial institution. My current XXXX is XXXX %. I pay my card off monthly as I am very educated about credit as I HAVE TO BE for my career. I know all about credit, lending, loans, fraud, suspicious activity, etc. I am at a complete loss as to why this card was closed. I am not even aware of an authorized user account with my name on it, yet my individual credit card has been closed because of it. And if I am an unknown an authorized user on a credit card, I would suggest they look into that because I am not aware of it, which is fraud. Also, authorized users are not responsible for the actual debt as stated in the terms and conditions of the credit card agreement.
Consumer complaint received 2021-03-10
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. (MI)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from TransUnion regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU filed a 60 day late payment report, when they received all payments within a 30 day window. This began with my XX/XX/2020 payment. They processed this payment on XX/XX/XXXX and charged a late fee. I included the charged late fee with my normal on time payment which cleared on XX/XX/XXXX. 

Things became stranger when I went in person to pay my XXXX payment as I have had trouble with checks getting processed in time due to an apparent delay in the mail. The teller explained the system shows a late payment of 60+ days yet they saw all previous payments were made and I only owed what I was there to pay. They notated my account and said it should be fixed on XX/XX/XXXX, on XX/XX/XXXX I received a credit score update with a 60 missed payment report and a drop in my credit score of 100+ points. 

This has now affected my lively hood, and taken several attempts to escalate the reporting within BECU. I feel BECU should be fined for falsely reporting misinformation to the credit bureaus and affecting someone's every day life.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : Complaint Regarding Inaccurate Information on Credit Reports XXXX XXXX XXXX. 
I am filing a complaint against XXXX, XXXX, and TransUnion due to inaccurate information reported on my credit reports regarding an account from XXXX XXXX XXXX. Below are the details of the discrepancies : XXXX. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in XXXX and TransUnion reports. 
XXXX. Account Open Date Discrepancies : TransUnion reports a different account open date compared to XXXX and XXXX. 
XXXX. Late Payment Reporting Discrepancies : XXXX reports XXXX late payments, while TransUnion and XXXX report XXXX for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information. 
I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the XXXX violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc ()

Hello there, My name is XXXX and I belong to a lower middle class family whose duty is to take care of a family of 5 being the only earning member. 

I sell on XXXX for my living. Few days back 2 reserves were placed on my account holding more than XXXX XXXX XXXX. I had my own obligations to pay the vendors, pay XXXX invoices, family expenses. So, I requested multiple times to release the funds so that I might be able to fulfil the obligations. 
Yesterday I was even confirmed by PayPal that one of the reserves have been released and will be transferred. But now my account has been permanently limited and neither the funds have been released. They say that I have violated policies by selling restricted products. You may check my account. I sell the products what other millions are selling too and if there was anything restricted, XXXX already would have removed that listing. 
Please show mercy on me and remove the limitation as it's not just a PayPal account for me but my entire one year 's effort & time. PayPal has left me in a situation where I am not able to think of anything other than committing suicide. Please, for XXXX sake, activate my account and release the funds. I am just doing a small business for my living. This is my whole world. 

Thanks in anticipation. 

XXXX, XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX sent me a bill for {$610.00} ( {$270.00} account balance + {$340.00} equipment cost ) from an unspecified company. This bill was unknown to me, so I called Convergent, and they offered to send me a fraud packet, which they did. the fraud packet requires a notarized affidavit, a copy of my driver 's license, a police report and a utility bill, and the form ( " Identity Theft Victim 's Complaint and Affidavit '' ) requires a lot of PII, including my driver 's license # and SS #. I XXXX  Convergent and read that they're a scam.
Consumer complaint received 2021-03-11
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 (NC)

I am an American working in XXXX as a XXXX. Sending money home for bills, student loans, and for my family during covid is very difficult as the XXXX government makes is hard to do. I have been using paypal for over two years to send money home. I did not send any money home for a while and so for the last couple months when I finally did it was a large amountaround {$7000.00}. PayPal decided to close my account and will be holding my money for 180 days. I do not have this time. I have already submitted one complaint to the CFPB and the result being that PayPal still will not release my money. In their response they said that they asked for a bank statement which was untrue. I provided my passport and proof of my address from in the states. Also, they said that my web address looked suspicious but that is only because in XXXX I have to use multiple VPNs in order to access the internet. 

Please help me resolve this. PayPal did not ask for any bank account proof though they said that they did. This money is important to me and my family. My email is XXXX Thank you
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

With respect to 15 USC 1681 ( a ) ( 4 ), the bureau has infringed upon my right to privacy. I asked the bureau to VALIDATE the account in which they said it was VERIFIED. Attached is written proof that they didn't VALIDATE the account because the US Court said that they do not report information to credit reporting agencies in the first place.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Nationstar Mortgage, XXXX # XXXX, I am a consumer have a few mortgage loans with this company., I believe that my accounts are normal and I pay each monthly payment o time. 
The problem is this company made a a lot machine call to me and just bothering my normal life.. It is not XXXX or XXXX calls, its about XXXX or XXXX calls every days, .the calls have no real content. Just machine say bla bla bla. I try to response the call, it let me waiting for an hour and still waiting. 

I am not sure if this violate any law. as a customer, I do prepare receive call about my account. But such machine call w/o real content is annoying.
Consumer complaint received 2021-03-11
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 (IN)

Dear Paypal I am attaching my Social Security Card and my Driver 's License photo ID, please review and Lift my temporarily block in my paypal account, thank you I already uploaded to paypal and the outcome is unfair it says : " We couldn't verify your info. Please contact us for more help. '' ( end of quoting ). Dear Paypal I am contacting you here thru CFPB for you Permanently restrict my Paypal account OR fully remove my Paypal restriction.
Consumer complaint received 2021-03-10
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Bill was paid in full on XXXX, XXXX took the payment over the phone. Item was turned over to XXXX XXXX XXXX and put on my credit report. I got it resolved with them, and removed off my credit report with that company. Then the bill was turned over to Medical Revenue Service, after being resolved. This happened with 3 Bills. I called and tried to get this resolved and removed off my credit report but XXXX refused to listen or let me talk with a Manager stating that his manager do not have time to talk with me they have more important thing to do.
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My original loan was sold in 2020 to Lakeview loan servicing XXXX XXXX and the amount of the original loan has changed. I have called to ask why the amount has changed and the previous mortgage company wants to know why as well because it should be lower. XXXX XXXX will only tell me it's a piggy back loan but refuses to furnish any documents pertaining to the additional amounts owed as a second mortgage and hangs up on me or leaves me on hold then hangs up. I would like a detailed explanation of the loan and why has a second mortgage been taken on my behalf.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I noticed some unauthorized inquiries on my Equifax credit report.According to the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!! All highlighted items MUST be deleted from my credit report and my credit file should be updated
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

It looks like possible XXXX profiling to me, but maybe it's just incompetence. 

Applied online for a Target Redcard ( branded card issued by TD bank ) on XXXX XXXX. Received a formletter XX/XX/XXXX that asked for a copy of the front and back of my driver 's license, and social security card, plus a utility bill. Letter  said they had contacted XXXX  for my credit information. 

None of this information adds anything useful for credit analysis over what's in my XXXX  file -- except the picture on my drivers license. The other items appear to be just cover to disguise what they are apparently really after. The application said nothing about requiring these items. 

My credit score is above XXXX, I've lived at the same house ( which I own outright ) for more than 30 years. Other banks regularly send me 'pre-approved ' credit card applications. XXXX has a record of my credit card payments going back years, along with my address, my social security number and the lack of any negative reports from utility companies or anyone else. Given the length of the credit history and the hundreds of thousands of dollars of past on-time payments, if these questions are to deter identity theft, they must suspect a rather long and unlikely con. 

Another possibility is that XXXX XXXX  did issue a credit card in my name a few years back to a scammer with a Florida address and only cancelled it when I contacted them. But that information has dropped off my credit reports -- if TD is relying on information other than XXXX, they should say so
Consumer complaint received 2021-03-11
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. (NV)

I am a victim of identity theft. I have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. Thank you.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (KS)

AFNI has spent the last several months sending threatening voice messages and letters impersonating judges and law enforcement officials. I have requested validation of this debt and never received it. I have asked not to be contacted because this debt does not belong to me ( my XXXX account is current ), they continue to ignore that and harass me. Today, they added the account to my credit report.
Consumer complaint received 2021-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

ARS sent me a letter with a list of debts that are not mine. I wrote a letter back asking them to validate the debt under FDCP Act including all medical expenses and contract and signature and I believe this is a violation of the HIPPA Act. I have not released any information of releasing any personal medical information. ARS is reporting to my XXXX  and XXXX  reports and it is causing me financial harm. I would like it removed.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (TX)

Velocity Investments , LLC is deliberating and diligently engaging in flagrantly violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and be deceptive and misleading with their last response to my CFPB complaint. Velocity admitted to illegally purchasing and communicating with XXXX XXXX XXXX about this alleged debt and account account which are both individual violations of federal law. They also are stating I owe the alleged debt on this account and are one of the current furnishers of this account to my consumer reports as they have admitted to illegally purchasing it from XXXX XXXX XXXX Velocity Investments , LLC blatantly continues to break federal laws by sharing details of said alleged debt and account with XXXX XXXXXXXX XXXX who they claim is their servicer. This violates several federal laws which are all outlined in my Affidavit of Truth attached below, more egregiously my right to privacy which I own. XXXX XXXX XXXX stated to me via the CFPB that Velocity Investments , LLC furnished all this inaccurate and false account information to them in XX/XX/XXXX and also told them this information is all accurate allowing this alleged servicer to keep furnishing this inaccurate negative account to my consumer reports. They do so based on clear instructions from Velocity Investments , LLC who can and must instruct them to delete these account from my consumer reports immediately. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have made my demands known to Velocity Investments , LLC as is my right under federal law. Attached below is my Affidavit of Truth which Velocity Investments , LLC received and signed for on XX/XX/XXXX which outlines all my demands as the federally protected consumer. All of my outlined remedy are demands and not request. My Affidavit of Truth outlines all of Velocity 's individual willful violations of federal law along with a clear break down of the federal law to avoid any confusion. I advise whoever receives this complaint and Affidavit of Truth at Velocity Investments , LLC to forward it to their executive leadership team and legal team. This is my first official step in my private administrative process and their legal team will understand what this means. Included in my attached Affidavit already in their possession is my invoice which Velocity must pay to resolve all outlined issues ( federal law violations ). This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Velocity as I advance in my private administrative process in the near future.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called XXXX  XXXX at XXXX ( XXXX ) XXXX at XXXX XXXX. Employee # XXXX answered and I politely asked for a debt validation letter. I asked if it can either be mailed or emailed to me. She responded by saying no. I repeated myself and asked again for a debt validation letter. She responded with the same answer no I cant give you anything. I simply asked for her employee number and told her goodbye.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I called 2 times and sent a letter to Equifax stating the age of credit history is wrong. My XXXX credit card account and my XXXX  XXXX XXXX credit card account was opened in 2017 but I believe it was longer. In the account it says been a member since 2017 for both so Im not understanding why on the credit report for Equifax it shows 1 year 6 months as the age of credit history. The incorrect information is causing my credit score and credit report to be inaccurate. If they are not going to report the correct information that is Fraud. The proof is in the account. I have old credit reports with XXXX and XXXX XXXX XXXX account information on it from 2017 so that should be reported as 3 years and some months. Please correct this matter thats still not resolved.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I refinanced my mortgage at the end of 2020. My prior mortgage was with Bank of America. I had paid ahead on my mortgage so BofA provided me with a check for monies I paid ahead. The amount paid to me was not the full amount that was owed to me. Below is the calculation of what is owed to me Original Mortgage Amount : XXXX + Int. disclosed to me on tax forms XXXX New Balance XXXX -Payments made by me XXXX New Balance XXXX - Payoff amount sent to BofA XXXX Difference XXXX + check sent to me by BofA XXXX Difference XXXX As you can see BofA owes me {$7900.00}. I have raised this issue with them several times during the past month ( I have been given the following case numbers SR XXXX, SR XXXX, SR XXXX ) and keep getting passed from group to group. I have attached the Form 1098 for the years of the loan, a copy of the BofA Payoff check and a spreadsheet that details the payments I made to BofA during the life of the loan. I can provide the checking statements showing each payment if you wish.