davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I have never received a credit card or anything pertaining this credit card. However I have been receiving phone calls NON-STOP all day with harassing voicemails, regarding a balance overdue. I have explained I never received this credit card and I called XXXXXXXX XXXX requesting an itemized bill of what was purchased. I was told they couldn't find that information. I have never approved for my information to be shared with anyone or 3rd party company.
Consumer complaint received 2021-04-26
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 it back and going. 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 affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXExperian was XX/XX/XXXX, but o response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Adjustment for missed payments To whom it may concern I have been a XXXX  XXXX Auto Finance customer since XX/XX/2023 and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on an XXXX XXXX ( account # XXXX, 30 day past due payment in XXXX. I have had an exceptional payment history and have not had a single missed payment on my XXXX XXXX account since this time.Because of my otherwise exceptional payment history over the last year, I would like you to please consider removing the negative payments from my credit report. I recently experienced a temporary setback that resulted in a late payment on my auto loan account. I understand the importance of maintaining a positive payment history and regret any inconvenience or concern this may have caused.I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical credit worthiness. I assure you that this late payment was an isolated incident and not reflective of my typical financial behavior. Prior to this occurrence, I have consistently made on-time payments on my account. I am committed to maintaining a positive credit profile and take pride in managing my finances responsibly. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 

I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am trying to close out my loan pay in full can't get no answers from no one XXXX sold loan to sps stating XXXX was investor XXXX false sps states they are investors false XXXX  say XXXX XXXX last investors false go back sps csr say we don't buy loans we not bank we service loan only I say you didn't get memo check my record they say oh I guess you right I don't understand because it all deception still coming from XXXX I signed XXXX XX/XX/XXXX MY ANNIVERSARY WAS XXXX XXXX XXXX FROM DATE OF XXXX  NOT HAMP MOD DATE THE INCENTIVES WERE BASED ON XXXX  AGREEMENT XXXX SHOULD HAVE REACH OUT XXXX  AND CONFIRMED MY ELIGIBLE AND GAVE ME DOCS TO SIGN INSTEAD THEY BREECHED AND I BEEN FIGHT 2YR FIND OUT IF MY NUMBER WERE OUT HAMP REQUIREMENTS 22 % NEVER SHOULD HAVE OFFERED ME HAMP OF DECEPTION NOW I WANT OUT SO I CAN GET SUE XXXX GET MY OVERPAY BACK I PAID INTEREST FOR 27YRS ON 30YR FIXED LOAN AND I HAVE SECOND LIEN RECOREDED THAT DONT EXIST I HAVE TO PAY FIRST THEN WHEN I GET MY TITLE I GONE PROVE HOW XXXX USED A LOST NOTE AFFIDAVIT SIGNED BY HIGH SCHOOL STUDENT ALONG WITH OTHER TACTICS TO STEAL MY HOME OF 32YRS NO DEFAULT XXXX ONLY HAVE LETTER XXXX SAY UNDERSTATED DEFAULT XXXX WAS XX/XX/XXXX TOLD TO PAY ONLY XXXX  BY XX/XX/XXXX YOU ARE ISSUING A 1486 DEFAULT YOU MADE UP SO I QUALIFY FOR HAMP THEN XX/XX/XXXX YOU CLAIM I OWE 999 AND 458 ADVANCE CORP FEE FIRST THING YOU TOOK WHEN MOD BECAME PERMANENT SO I WILL PAY ALL IF YOU INSIST BUT YOU WONT GET AWAY WITH THE DECEIPT I TRY GET YOU WORK WITH ME BUT DID NOT WORK OKAY FOR XXXX TO FABRICATE AMOUNT OWED BUT I GUILTY FOR THE SIGN SO MUCH FOR THE WHITE COLLAR CRIME EVERYTIME I PROVE WHAT XXXX DID I GET NO COMMENT YOU SIGN YOU ACCEPT SO I WANT PAYOFF MINUS MY PROMISED INCENTIVES WOULD LIKE OVERPAYMENT REFUND BECAUSE IF YOU NEVER REFINANCE AT ONE POINT THE PRINCIPAL PREVAIL INTEREST PAYMENT GREEDY INVESTORS HAVE NO RIGHT KEEP LOWERING P AND I IN ORDER TO KEEP GET INTEREST ENOUGH IS ENOUGH I SIGN FOR 30YR EXT RECIEVED NO INCENTIVE XXXX $ PAY CUT I WANT PAYOFF SO I CAN GET JUSTICE FOR OTHER SENIOR GETTING HOUSE STOLE AFTER IF BEEN SOLD 10X ALREADY
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, I sent A certified mail with a FTC report to Transunion, XXXX and XXXX. My XXXX had repo flagged because of credit acceptance have flagged the account for a repo that was closed on XX/XX/XXXX when I went on XXXX XXXX XXXX is still reporting to XXXX with payments which that is false documentation when I called Transunion Transunion is still getting a report from Acceptance saying that the account is still open on one of my other credit acceptance!! saying that it is closed the account is closed for a repossession and I asked XXXX and Transunion to remove it because I have documentation from the FTC report that account is no longer open. Which is a Violation to my consumer law.
Consumer complaint received 2021-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion has not updated my scores since XX/XX/2021, even though all companies have reported changes and corrections to them. I contacted TransUnion and they stated they have 60 days to update however, it has been 60 days and they still have not updated anything. Theyre noncooperation is hindering me from beginning the home buying process.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I have my checking and saving account with another bank. Nationstar dba Mr. Cooper was sold my mortgage and has been my mortgage provider for about a year or so. I do not do automatic mortgage payments but pay the mortgage with Mr. Cooper 's app. 

On the morning of XX/XX/21 at XXXX XXXX, Mr. Cooper made four unauthorized electronic mortgage withdrawals from my checking account XXXX {$640.00} each withdrawal totaling {$2500.00} XXXX. This wiped out my checking account and caused my savings to automatically deposit the needed funds into checking. 

I called Mr. Cooper 's customer service line as soon as their " office '' was open at XXXX XXXX XXXX ( XXXX XXXX XXXX  ) no less than four times. Each time I was put on hold without speaking to a live person and that my wait time would be longer than ten minutes. However, one minute after that message I was told by their system that they were experiencing higher than usual call demand and to call back another time, then it hung up. This happened each time I called. 

I went to my bank branch and spent the morning with their customer service department, who was overwhelmed with the fallout of Mr. Cooper 's issue, and filed a complaint/dispute with my bank. My funds were reimbursed later in the afternoon but I wanted your office to be aware of the unauthorized access of consumer accounts by Mr. Cooper. 

Mr. Cooper said it was a problem with their processing vendor. Regardless, I and other consumers had money taken out of our accounts ( one article from another state said one person had seveXXXX withdrawals totaling {$10000.00} XXXX without authorization. 

The scary part in the morning was not knowing if these unauthorized withdrawals by Mr. Cooper would continue.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

CapitalOne has not posted my XXXX 1099-INT online by XX/XX/XXXX, and will not accept any requests to provide a form until XX/XX/XXXX. The customer service rep confirmed a 1099-INT was generated for me, but that she was not authorized to provide me with a copy of document. She said that it can not be mailed to me yet either. Capital One 's policy for this issue is to refuse to fulfill missing 1099-INT requests and begin mailing copies until XX/XX/XXXX. CapitalOne will only begin to mail missing 1099-INTs starting XX/XX/XXXX. This is out of compliance with federal guidelines to provide 1099-INTs by XX/XX/XXXX.
Consumer complaint received 2023-02-21
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. (FL)

I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my medical education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score.

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Consumer complaint received 2023-02-21
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. (CA)

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 XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}
Consumer complaint received 2021-04-25
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: Experian Information Solutions Inc. (NY)

Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX  was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
Experians details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and XXXX have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.
Consumer complaint received 2023-02-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-04-25
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: LoanCare, LLC (NY)

Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX was transferred to Loancare , LLC. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by 1. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and Loancare have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. XXXX.
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been working over the past 5 years to maintain good credit. I have worked very hard to clear up old debt and not miss any payment. Recently I had XXXX XXXX report a late payment when it was an error on their part I contacted them and they fixed the error. Well today I went to check my credit with nothing changing except the correction showing 98 percent payment history to a 100 percent due the error that XXXX fixed. My score dropped 20 points!!! when I tried to enquire in the drop with Transunion it was impossible to speak to some that spoke English mush less speak with an actual human.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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