davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my request and as I investigated my credit report, I found out that some of the information was erroneous. You had enough time to review this matter. The XXXX and Transunion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX Balance Owed : {$230000.00}.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NJ)

I send all my documents for the hardship for my mortgage loan account number XXXX to Selene Finance customer service Those documents are bank statements of last 3 months in XX/XX/XXXX, my income taxes, my divorce settlement and sign and return my borrower assistance those documents was sent trough e-mail to their customer service Thanks
Consumer complaint received 2024-09-09
Product: Credit reporting 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: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to address a problem with my credit scores, and the credit report agencies that report those scores. the biggest problem is my FICO. 
XXXX, Experian, and XXXX FICO scores are also affected.

Believed Negative Credit Profiling I understand that credit scores can vary widely by company and race. This is factual. 
For example, in XXXX  the average FICO score for XXXX in XXXX communities was XXXX, compared to XXXX for white communities and XXXX for XXXX communities. 
CREDIT CARD DEBT BY RACE XXXX % carries a balance among cardholders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLUS- in credit card availability, with an XXXX XXXXXXXX XXXX XXXX XXXX card at my disposal in my company name, and documented on-time payments for SEVERAL YEARS, the credit agencies ( FICO BEING THE MAIN ) have my credit score remaining in the mid to upper XXXX. 
This I suspect is negative credit profiling based on my race. 
If I spend less than $ XXXX of my available XXXX in credit card availability, with an income of over $ XXXX per year, why are my numbers held so low? Most debt except for my automobiles is paid in full at the end of each month, similar to a XXXX XXXX  account. When my numbers rise, at best they rise marginally. 
THE BOTTOM LINE Average credit scores in the U.S. differ by race, age, and other factors. At least part of that concerns the factors that go into computing credit scores and how those factors are weighted, which tend to benefit some groups more than others. It appears that my credit score is suffering because of one or more of those factors! 
Attached are snapshots of my statement/payment profiles for various open accounts. 
I ask that the CFPB investigate this matter to maintain fair credit reporting. 
Thank you in advance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESBANCO BANK, INC. (FL)

I have reached out to the business several times via phone and via written correspondence and no one has replied since my letter was sent XX/XX/year>. Still awaiting a response.
Consumer complaint received 2023-09-14
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. (CO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX  Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXXdischarged Date Filed : XX/XX/XXXX Case # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

To whom it may concern ; The last four of my social security number is XXXX, so you are able to look up my account. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was repossessed by you in the State of Texas in XXXX and resold on or about XXXX XXXX based off what I see on my credit report. Under the laws of the State of Texas UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand that JPMCB AUTO provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You MUST provide to me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-11
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 (CA)

Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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 (CA)

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$30000.00}.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I took out a loan with XXXX XXXX paid it off on time however Transuion and XXXX XXXX  they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me severe XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against XXXX XXXX for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also inquiries that I did not authorize Transuion have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-04-13
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)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and / or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all my information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I opened a credit card with Key Bank during a promotion which deposits {$150.00} into your savings account after successfully completing a balance transfer within a specified period of time, which I did. When I called on XX/XX/XXXX, I spoke with XXXX XXXX and asked why the funds were not deposited, I was told the bank had three monthly business cycles from the date of the transfer ( not the opening of the credit card ) and that the funds would be deposited in the XXXX business cycle. I forwarded her the promotional email I received which is what I used to initiate the transaction. 
I called again on XX/XX/XXXX, as the funds were not deposited into my account, again speaking with XXXX XXXX. Again, I provided the marketing code and was told the funds would be deposited within two weeks. 
I called Key Bank again on XXXX XXXX and spoke with XXXX. After researching, he indicated nothing had been previously submitted to start the process of depositing my {$150.00} into the savings account, but that the funds would be deposited on XX/XX/XXXX. He told me he would check my account and reach out. The money still has not been deposited and I have left two messages with no response from XXXX, who is my account XXXX.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In order not to repeat what I just filed with you last month I am reporting that Experian states it is finished with the update. The update is not correcting the problems listed under Case # XXXX and XXXX which describes in detail the problems that need to be corrected. Experian are reporting that XXXX was a negative item. This is completely untrue. The car ( XXXX XXXX ) was paid off early and no balance id due. Why is that negative??? In addition, they report XXXX XXXX as negative and the three months I was late was already explained and XXXX XXXX provided a letter of satisfaction that nothing is due. The three months in question was due to my XXXX and staying with my daughter- my mail did not get forwarded and I was recovering from XXXX XXXX. This is not a problem for XXXX XXXX Experian is making it a problem for themselves!!! These must be cleared from my credit report- Experian have malicious intent and are targeting me- it is a form of discrimination and if these are not removed which is the appropriate action then they will be sued for the damages they have caused and are still causing over a long time period.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I've called multiple times about this issue, so please understand if all of the dates do not line up. I contacted Citi about my life and medical hardships since they began occurring in XXXX. Having lost both of my parents, getting to buy a house, but then immediately getting into XXXX XXXX car accidents, losing two jobs, my fianc losing her job with being unemployed consistently, and both of us needing XXXX, there was a lot going on. I made every effort to at least keep the account as current as possible, granted being a few days late here or there and being over limit due to having to bridge the loss of income with something. Citi profited from me from use of the card, from late fees, and from interest, all during my period of medical issues and lowered income. 

Fast forward to XX/XX/XXXX where my fianc and I finally settle our XXXX XXXXt cases out of court and have enough money to pay down about 90 % of our debts, so we do. I chose to pay Citi on XX/XX/XXXX, the roughly $ XXXX that I owed them across three credit cards. Not maybe several days to a week after I make these payments and finally feel some semblance of normalcy coming back to my financial situation, Citi chose to cut only ONE of the credit limits down by over 90 % ( $ XXXX to {$1300.00} ) ; of course this also the XXXX card I was looking forward to using again on the daily and paying off consistently since it has the best rewards and APR. Citi had not, and still has not, touched two of my Credit Cards that I don't use, as these cards currently have penalty APR rates. I feel Citi is waiting for me to use so they can profit off the fees again due to my medical situation, before the penalty rate falls off then they will cut the limits down on these cards too. 

I have contacted Citi to attempt to reinstate the credit limit to no avail. I have asked to combine/consolidate my credit limits to this one card ending in XXXX to no avail. Citi has cleared discriminated against me by profiting off my misfortunes, waiting for me to pay them off in full, then immediately reducing my ability to spend down. 

Citi will make claims stating " We are abiding by ECOA and FDCPA '', but there is evidence here that shows they are choosing to do otherwise, only profiting off of negative situations before wanting to reduce risk and claim it under ECOA and FDCPA. 

If Citi had either waited an entire Billing cycle or allowed multiple Credit Limit reinstatement requests, they would see that my risk profile has significantly reduced over the course of the past 45 days, as my utilization has dropped, several inquiries will be falling off in XXXX, and increased income due to my fianc being back to work.
Consumer complaint received 2023-04-22
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. (CO)

XXXX sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. XXXX has continued to report a balance owed on Experian. I have contacted XXXX many times and disputed with Experian twice. I have currently provided further documentation to Experian from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.