davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (OK)

I worked at XXXXXXXXLexington Law for a few weeks and what I saw was horrible. I've never seen a company take CFPB less serious. I observed numerous things that were down right dishonest. Employees were taught to get sales my any means necessary. In training we listened to a call where a gentleman was calling about his stimulus ( nothing to do with it he company ) and the employee on the phone mislead him by telling him he had to sign up with out service to receive his stimulus. Many of the other calls we listened to were troubling as well. Multiple calls we listened to for training taught us that we should just tell them it's a free trial even though it's not. I also was there 5 weeks and not once did anyone listen to my calls. They don't seem to take quality control seriously and they have a don't ask don't tell policy. I would also like to add that the way the speak about their clients is troubling. They refer to them as XXXX XXXX, and XXXX constantly. I took my issues to HR and was ignored.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-24
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. (CA)

Hello, On XX/XX/21 I was looking for a home energy improvement loan through the XXXX  project. XXXX XXXX XXXX it gave this informatrion : XXXX XXXX is the public-facing platform of the California XXXX for XXXX XXXX XXXX XXXX XXXX ). 

The XXXX is administered by the California XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), a state agency housed in the XXXX XXXX XXXX. The XXXX XXXXnd a series of energy efficiency financing pilot programs were authorized by the California XXXX XXXX XXXX XXXX XXXX XXXX and developed in collaboration with the investor-owned utilities : XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Financing are paid for by investor-owned utility ratepayer program funds It lead me to this ; XXXX XXXX XXXX XXXX XXXX 3.49 % to 5.49 % XXXX {$200.00} Cash-Back Offer Minimum XXXX XXXX Contact info ( XXXX ) XXXX option XXXX Email My XXXX XXXX at that time was XXXX but I was turned down and now have a hard inquiry on my credit report. The process was deceptive. I would never had applied had I known that even meeting their criteria they would turn me down. I want this inquiry removed from all three of my credit reports.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (MN)

A usps package showed up at my house that I did not order so I refused delivery. I also found a charge on my debit card for {$100.00} I emailed the merchant and they claimed they never received the package. I showed them the USPS tracking that showed I refused it and they still will not return my money to my debit card. I showed all this to TCF and they claimed I did not return it to the merchant within 30 days. After I proved to them that I did they changed their story to it has nothing to do with TCF even though TCF is the one that released the {$100.00} from my account without my permission. 

TCF reply letter to me says I am entitled to review documents used to make this decision. I called TCF at XXXX and asked for documentation used to make their decision and they had none.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC ()

I sent a wire transfer on XX/XX/XXXX, which they rejected because my accounts didn't have the exact same name on them. 

They said they initiated the return of the money right away, but it has not arrived. I've tried contacting customer service numerous times, and they haven't responded. To make matters worse, there is no way to talk with someone on the phone. 

I've seen others having troubles with them online, sometimes taking 30 days or more to return the money.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and Transuion removed the account from my credit file for XXXX XXXX - XXXX XXXX. This account was removed without any explanation from XXXX or Transunion. 

I reached out to the credit vendor to let them know that the account had been removed from XXXX and Transunion and they advised that they were aware of this and that the same thing happened to thousands of their customers. 

It is my belief that XXXX  and Transunion are working to keep consumers with low credit scores in that category. The credit vendor works with consumers with low scores to help them improve their credit. XXXX  and Transunion obviously banned the credit vendor for this reason. 

By removing this account is has directly affected my credit score and file as the removed affected my credit utilization rate further impacting my credit score. 

As I mentioned this occurred with thousands of XXXX XXXX XXXX customers and XXXX and Transunion removed the account from all of XXXX XXXX XXXX customers. 

This type of behavior by XXXX  and Transunion must stop!
Consumer complaint received 2021-04-24
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. (IL)

XXXX replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received an alert from my Online bank account of Bank of America about my account reconfiguration, then i get to my Bank of America online bank account and saw that there were a withdraw for {$5000.00} in pending status in my Bank account and called immediately to my bank, they said me a person identified as XXXX XXXX was withdrawing {$5000.00} in a bank location and I asked them to stop that transaction immediately because it was a fraud and that I did not recognize that transaction. While I was talking on the phone with the bank, I tried to log into my online account again and I couldn't do it because the person who was committing the fraud changed my password. After spending more than an hour on the call with the bank, they tell me that the money was withdrawn, I make a complaint and explained them i have not given authorization to anyone to make a withdrawal in my name and that I do not recognize that transaction, that I have never lost my documentation, ID nor credit cards and that it is not possible for another person to have them in their possession. They told me the did not know how the money had been withdrawn, if through a check or a withdrawal and I told them that it is not possible that they have done through a check because I have never had BOA checks and not through me debit card since I had it in my position. This withdrawn was done at XXXX XXXX XXXX, XXXX TX XXXX, Branch XXXX XXXX of Bank of America. I submitted my claim the same day the fraud occurred ( XXXX XXXX ) 22 days have passed and I have not received any response from the bank and so far the bank has not returned my money, nor has they sent me any communication regarding my claim, so I think they have not processed my claim. 
I notified the police of the fraud that occurred and they have asked me for a statement from the bank regarding my claim and the bank has not sent it to me, so I have not been able to continue with my process before the police
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (CA)

To LexisNexis XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX - XXXX Telephone : XXXX Re : Consumer Number XXXX XXXX : Case Number XXXX Please note I have accessed my Lexis Nexis report online. I wish to report a discrepancy for XXXX vehicle claim mentioned on the report. 

Record 8 listed for XXXX XXXX  XXXX with following details : Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX  Claim Type : Collision Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX Claim Type : Rental Reimbursement This is not correct information on your records. XXXX XXXX XXXX provided their opinion on this claim which differs mine. The fact was that the vehicle was scratched by another vehicle while it was unattended and stationary in a parking lot. No one was present inside the vehicle at the time of the incident. We requested XXXX insurance to do a reading on our Vehicle computer that they did not do. My XXXX  driver record is clean as this was no fault of mine. XXXX reports are attached. 
Please request proof of my fault for this incident form XXXX before deciding it as my fault. XXXX does not have any such proof as it was a parking lot incident when I was not present inside the vehicle and vehicle was stationary. Therefore my driving record is clean as shown on DMV records. It is merely an opinion by XXXX that they did not take the incident as one claim whereas the truth is that it is one claim. 
Kindly rectify this error on my report and inform XXXX XXXX urgently as this is effecting my life during pandemic that is already been going thorough hardships. 
Thanks XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 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 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have three mortgages on three separate properties which are serviced by Mr Cooper. Hey are all on auto payment though my XXXX Checking account. The standard monthly payment on all three were processed for my XXXX payment. 

Today, mr Cooper initiated addition payments via ACH transfer on all three accounts two more times, causing and overdraw situation of my bank account. 

Pending ORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00} PendingORIG CO NAME XXXX Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR XXXX Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00}
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 — Account information incorrect
Company: EQUIFAX, INC. (IL)

The accounts listed below are charge off and showing a balance on my credit report, the accounts are in accurate. I did not consent nor authorize anyone or any company to benefit from my credit or report information to my credit report, this violates my consumer rights. 

Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

They call me over and over 27 minutes apart, every day. The account had been closed at the end of last year due to a lack of income from me because of impacts from Covid-19 and they put me on a repayment plan, and its been discussed with the company multiple times. Yet Comenity is still calling me over 15 times every day from XXXX until XXXX.
Consumer complaint received 2021-04-25
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. (MA)

Equifax continue to violate the Fair Credit Reporting Act by reporting RE-AGED XXXX  XXXX account XXXX. This account has been RE-AGED from XXXX to XXXX. RE-AGING account is a violation of the FCRA. I have provided additional proof documentation directly from the credit report showing the account has been re-aged. I have circled and highlighted the violations of reporting re-aged account by Equifax. This account has multiple FCRA violation by Equifax. I have documented the other Fair Credit Reporting Act violations by Equifax with this dispute. Please see attached credit report showing all FCRA violations.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc ()

Paypal Hello, i hope you will help me to fix my account, i dont know that the form i filled -up already to previous pages is correct to my problem right now..and the problem is my paypal account i cant sending money to my friends, i think i 'am wrong because before this is happened to my account i put the 2 bank account number which is same bank account ( the one is the account number printed on my atm and the other one is the account number that the bank gave to me ) i mean i'am carried away of puting the right bank account number i should put is the account number printed on my atm, then after so many times i am trying to sending money to my friends, but my account saids that i need to email first, i tried to ask to the company but still i can not get the right answer to my problem, and until now i tried to sending money to my second paypal account but still i cant..i hope to here your answer as soon as possible related why i cant sending, receiving and withdraw my money.i hope you will fix my account Please email me to XXXX XXXX
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

Please help me. We a paid ahead on payments. When we just paid a regular payment once a month they were charging me around {$890.00} in interest. My interest rate is 3.375 % Since I started paying an extra payment they are now charging me twice for my interest. XXXX they charged me {$1600.00}. I need help. They should be applying my extra payments to the principal not penalizing me with double interest if I am paying early. This is a conventional loan. See my attachments. We were with XXXX XXXX for years and never had a single issue, SPS took over our Servicing in XXXX and they are horrible.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Hello I received a debt collection letter from Jefferson Capital on XX/XX/21 stating I owe {$630.00} for a XXXX XXXX bill. I stated to the representative that I have not had XXXX as my provider. She stated that they have this on record as a debt and they are reporting it on my credit report. I asked her to provide me proof of the debt and advised her to remove it from my credit report. She wasnt willing to provide me proof of the debt belonging to me and demanded payment.
Consumer complaint received 2021-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

got a letter in the mail stating i owed XXXX XXXX to XXXX XXXX 2 months ago, If this is for a auto loan the auto was surrendered to the bank in XXXX. I never received notice of any debt that was owed until XXXX. I sent Jefferson Capital Systems LLC Debt Validation Letter, they responded my sending me the same statement. they did not validate the debt or showed me any of the information i asked for stated in the letter
Consumer complaint received 2021-04-23
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: JPMORGAN CHASE & CO. (FL)

In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX/ XXXX XXXX
Consumer complaint received 2021-07-29
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. (GA)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I opened up a PayPal account and got {$200.00} sent to me and 30 minutes after I received my money PayPal put a hold on my money and said Im permanently banned I never did anything wrong and its a brand new account
Consumer complaint received 2022-10-31
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. (TN)

I am a victim of identity theft, here are the hard inquiries listed below : 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 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. (IN)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX