davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My Name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, CA XXXX, I would like to file a complaint against Select Portfolio Services and the Private Investor for misleading and being unfair. In XXXX of 2021 I agree to a short sale on my property since I was denied for any other assistance to save my home. The short sale was approved to close on XX/XX/2021, ( it never happened ) Select Portfolio Services and the PRIVATE investor demanded at the last minute I give them $ XXXX ( two hundred thousand dollars up front ) if I didnt come up with the money he was canceling the short sale and they did. Select Portfolio Services and the Private Investor have proceeded with Sale for XXXX XXXX,2021 on my home. I dont have that kind of money its crazy, illogical we are all struggling with this pandemic. I have been trying to keep my home so I wont be homeless with my children Select Portfolio Services and the Private Investor have refused to work with me.

The agent handle-ling the short sale was in shocking surprised could not believe this. The agent said in the 30yr of doing real state this has never happened its neither justified nor legal for the Private Investor or the servicer to demand so much money at the last minute of the closing date of short sale when everything had been approved. 
On behalf of my family and me, it is our request you initiate an investigation regarding the alleged improper actions and activities taken by Select Portfolio Services and the Private investor of misleading and being unfair. I believe they are not within the legal guide lines of the consumer protection act. I urge you to apply your regulatory authority in this unlawful act.
Consumer complaint received 2022-01-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence I reported this as not my account and ask them to send me verification and they did not provide the information.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-02-08
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: CITIBANK, N.A. (TX)

Using my Citi Visa Card, on XXXX XXXX XXXX, I authorized a one-time charge of approx {$15.00}. Citi apparently went nuts and decided to help a shady vendor perpetuate a series of fraudulent charges to my account. I had been managing that account by mail only, using the card very infrequently. Every other card I have used in the past would gladly refund any bogus charge over the telephone so I tried calling them. Frustrated at the lack of cooperation by their representative, I went online. 
I found that they had changed the {$15.00} charge into four separate charges on a single date, XX/XX/XXXX, in the amounts of {$3.00}, {$1.00}, {$3.00} and {$1.00}. On XX/XX/XXXX, they charged me {$97.00} and {$99.00} and on XX/XX/XXXX another XX/XX/XXXX {$97.00}, {$99.00} despite assurances that all charges had been removed. I was told that " it could take up to 30 days for it to not appear on the web site ''. 
My account, previously balance should have been a bit over {$100.00} but was being billed at {$520.00}. I have screen grab images of three separate reps assuring me that all charges had been removed, XX/XX/XXXX and XX/XX/XXXX. Today my bill stands at {$650.00}. Can the CFPB assist me?
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (MD)

A townhome had been rented from " XXXX XXXX '' by myself and XXXX other parties. After move out, we had assumed everything had gone smoothly, until 6 months later a collections company sent us a letter requesting repayment for carpet replacement. The " XXXX XXXX '' never contacted us at our new addresses concerning carpet problems. We filed a an official dispute with the FMS Financial Solutions per the letter and corresponding attachments, because both the claim that the carpet was damaged, and the value for which we were being billed was incorrect. Due to the legally binding documents signed by both parties ( Attached ). In fact, they had attempted to bill was for several XXXX dollars over the cost of the carpet replacement ( invoice attached ), against both the signed document and Maryland Law. The value was corrected, and although they still claimed damage to the carpet, we paid to be done with the matter, however now it appeared on my credit, which should never have happened given the aforementioned and attached communications, which verifies that the original debt claimed for collection was billed incorrectly, and against the both Maryland Law, and the signed document between us as tenants, and XXXX XXXX as the landlord.
Consumer complaint received 2021-07-30
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. (PA)

I contacted Equifax and spoke with XXXX XXXX. I was treated as a criminal and not a consumer. They treated my call as frivolous. I try to be proactive and get notified when my credit file is being used and I don't feel supported by the credit bureaus. I have a police report number in the letter I attached to this complaint as well as a complete Identity Theft report. The inquiries listed were not authorized by me. I did my due diligence and contacted the creditors directly. They could not validate the information. They could not help me find out who apply by giving an IP address etc. They were not helpful
Consumer complaint received 2021-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (CA)

I am looking at our loan agreement. 

There is no penalty for early payoff. There is also nothing that said there were closing costs in the loan. When we called and wanted to make sure that we could cancel the autopayment they told us that there was a closing fee. 

This was never disclosed. 

We made a payment of {$42000.00} on XX/XX/2021 before the Loan started. 
We then made a second payment of {$130.00} on XX/XX/2021, of which XXXX cents was refunded to us. 

I would would like a credit for {$130.00} for the deceptive closing fee that was not disclosed to us at the time of signing. 

There is no line item for the closing fee just what was told to us over the phone. What i see is some weird additional principal for {$27.00} and interest of {$0.00} a fee of {$100.00}. Again that fee was never disclosed to us. Additionally there is no way that we can have principal on a loan that we paid off on XX/XX/2021.
Consumer complaint received 2021-07-30
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (AR)

WAYFAIR AND COMMENITY IS REPORTING MY XXXX  CARD XXXX, THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED LONG BEFORE BANKRUPTCY
Consumer complaint received 2021-07-30
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)

I contacted Transunion and spoke with XXXX XXXX. I was treated as a criminal and not a consumer. They treated my call as frivolous. I try to be proactive and get notified when my credit file is being used and I don't feel supported by the credit bureaus. I have a police report number in the letter I attached to this complaint as well as a complete Identity Theft report. The inquiries listed were not authorized by me. I did my due diligence and contacted the creditors directly. They could not validate the information. They could not help me find out who apply by giving an IP address etc. They were not helpful.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (NJ)

I believe XXXX XXXX XXXX billing department better known as University Accounting Agency, attempted to report Double Jeopardy Tradelines and a bogus claim to the Credit Bureau, namely XXXX, on my credit report. I have disputed the information reported from XXXX XXXX several times and still the matter has not been updated or resolved. 

*XXXX  reported 150 days late in XX/XX/XXXX. However there is no 30, 60, or 120 days late reporting prior to the XX/XX/XXXX. 
*XXXX proceeded to report a 180 day late and then a Charge Off on the account in XX/XX/XXXX. 
*XXXX continued to report a Charge Off in XXXX and XXXX of XXXX. 
*However, all of a sudden, XXXX begins to report OK on my credit report from XXXX XXXX XXXX 
*Then in XX/XX/XXXX XXXX reported 180 days late on my report through XX/XX/XXXX. 
*XXXX  then turns around and report OK on my credit report XXXX & XX/XX/XXXX *Lastly, in XX/XX/XXXX AGAIN reported 180 days late. 

I would like XXXX bogus and misleading practices investigated. I am requesting that XXXX XXXX either delete the account from my Credit Report ( s ) or delete the fraudulent reporting after XX/XX/XXXX because the account had been Charged Off XXXX and should not have continued with it's to untrue reporting.
Consumer complaint received 2022-03-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I got a replacement card for my XXXX credit card in XX/XX/2021. In XX/XX/2021, Experian reported that my XXXX credit account is closed under settlement, and because of that wrong updation, they dropped my credit score by 113 points. 

I raised a dispute on XX/XX/XXXX and got it resolved on XX/XX/XXXX in my favor, reversing my credit score drop. XXXX confirmed to me that they never reported a settlement. 

Again, on XX/XX/XXXX, Experian reported that the same credit card is closed under settlement and dropped my credit score by 103. I'm trying to contact Experian since then but seems that they will open their doors to receive a complaint only if I take some membership from them. What a pathetic way to upsell their products? 

I tried to raise a dispute online but their website says a dispute for this account can not be filed online. I tried to call the phone number the website asked me to call to file the dispute. 

However, the automated system doesn't connect me to a representative to file a dispute. Whenever I select an option that is not related to membership, the automated system suggests using their website and disconnects the call. 

I contacted XXXX and they said they didn't report a settlement and I have to contact Experian. Seems the only way to contact Experian is by taking a membership. I would have spent more than 10hours trying to resolve this from the start. Now, Experian is using tricks to make me pay for a mistake of their own. 

I'm trying to take a loan for the past 2-3 months, but because of Experian 's mistakes and unwillingness to help, I couldn't take loan ( I don't want to take a loan at exorbitant interest rates )
Consumer complaint received 2021-07-28
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. (SC)

XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XXXX XXXX Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One credit card changed my utilization credit reporting date from the XXXX to the XXXX without properly notifying me of this change. I usually pay my balance off by the XXXX of the month so when my utilization is reported on the XXXX it would reflect a XXXX balance. This has been my practice since I had the card these past 4 years. XX/XX/2021, I paid my credit card to a XXXX balance so it would be reported paid on the XXXX. Well. I then charged my card on the XXXX and Capital One reported it to the credit repositories and my score dropped 30 points! I called customer service to fix this problem and they refused. The supervisor kept repeating herself stating that they reported correctly so no changes can be made. I kept telling her that the issue is you reported it on the XXXX instead of the XXXX which caused me this issue but nonetheless. She refused to help me. I am sure they are getting multiple complaints like this from their customers. They claimed they sent me an email advising me of the change but I never received it. Everybody knows that email communication is not always guaranteed to go through. I could have had server issues, etc that day. Bottom line is. I was never advised of such a change to my utilization and for this I want my credit corrected. I worked too hard to restore my credit just for an incompetent company to ruin it.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.
Consumer complaint received 2022-01-01
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. (OH)

I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the  CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX , XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Consumer complaint received 2022-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXVA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX