davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
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: BARCLAYS BANK DELAWARE (NY)

To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and Barclays are not reporting it to XXXX  and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and barclays and both companies said they would update this and have not done so. Which is effecting my credit score which I will also show a you a picture of difference between my XXXX  and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (KY)

I spoke with a representative of XXXX XXXX XXXX, who are working on behalf of Cavalry Portfolio, to settle the account with a payment arrangement. The terms of the agreement were falsely represented, misleading, threatening, and additional funds were added to the account. I reached out to the company with no response, so I disputed the account information on my credit report but with no changes. I don't understand how terms of a settlement are reached on a recorded line but changed afterwards and it's ok to do. I have also emailed the attachment to the law firm in XXXX, and they never responded until I disputed the account via XXXX. This company is awful!
Consumer complaint received 2024-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kornerstone Credit,  LLC. (NY)

Per the FCRA I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.
Consumer complaint received 2015-12-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently received a mortgage modification decision from my mortgage servicer ( Bank of America ) after 4 months of making trial payments to qualify for a mortgage modification. I had requested a mortgage modification after inquiring about not being able to refinance my home loan due to the property value being less than the mortgage I was paying. ( Under Water Homeowner ) The decision I received in the settlement from BOA reduces my mortgage {$350.00} per month and the interest rate changes from 5.25 % to 4.375 %. However, the term of the loan is now going to reset to 30 years and way they are lowering my payment is by taking {$40000.00} of principal out of the home loan and putting that amount at the end of my 30 year mortgage as a balloon payment that must be made to HUD. I can not afford the mortgage currently and I can not refinance the loan because I have no value in the home, so what makes BOA think I will have the {$40000.00} balloon payment at the end of my 30 year term and not offer me any other solutions other than a " take it or leave it '' deal? BOA is not offering any relief other than moving some of the money around to make it look like the payment is smaller, but in reality I still owe this money on a home that is currently worth LESS than my loan. I qualified for all of their criteria for assistance and what they are offering me is a dead end in my eyes. BOA never disclosed any of the information about a balloon payment as a modification solution when the assistance process started. Had I known, I would have refused this assistance and requested other options. I feel this is deceptive on their part and not cooperative with me, the consumer. I also want to note that I was current on my home loan at the time this started and BOA suggested this in order to help with a refinance and instructed me NOT to pay my current mortgage once the modification process started. I feel like I 've been railroaded into a situation that I wo n't be able to find a solution.
Consumer complaint received 2020-08-07
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. (TN)

The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.
Consumer complaint received 2020-08-07
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. (AL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX
Consumer complaint received 2020-08-07
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. (AL)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX
Consumer complaint received 2020-08-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

The net credit company is charging 35 % interest and called to make partial payments in the pandemic, they are not considering the partial payments and they are constantly charging my account without my knowledge, ... .they charge my card 4 to 5 times..partially in the same month and saying this is the meaning of the partial payment ... ..35 % interest rate is too high lending limit ... ... i am unable to make my monthly paymnet, i need a hardship to waive my monthly paymnets for months atleast ... they are harassing me by directly charging to my bank account ...
Consumer complaint received 2020-08-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IN)

On XX/XX/2023, I called Discover about their 0 % APR for 15 months that included balance transfers for 0 % APR. I called specifically to inquire when payments would start as it was not stated on the offer mailed to me. I was told that payments would start in 15 months and I explained that was good and that would be the only reason that I would sign up for the offer. After starting the application I asked to call my bank to see if they had a similar offer which they didnt. I called Discover back and finished the application and was then told my payments would start the following month. I then called to speak to a supervisor who told me to write a complaint letter and mail it to a XXXX XXXX with no timeframe to be answered. On XX/XX/XXXX, the following day I called the corporate office to resolve the issue where they proceeded to give me the run around. I called back a few days later and a man named XXXX said he would begin an investigation. He told me the balance transfer hadnt gone through where I then asked him specifically if it would not go through since they were not honoring the no payments for 15 months which he verified that I was told was the offer when I signed up for the card. On XX/XX/2023, {$4200.00} was transferred from my XXXX account to Discover. When I called back about how this happened I was given the run around some more without the original issues being addressed. I have not received mail or statements in the mail from them but I recently opened an email stating that I have a payment due by XX/XX/2023, that will be sent to a creditor which will in turn negatively impact my very good credit score. I dont have an account number with them that I have information on. They didnt help with anything when I called again today on XX/XX/2023. Discover duped me into this card so I contacted the Federal Trade Commission today, XX/XX/2023, who had me contact the Consumer Financial Protection Bureau to file my complaint. I am looking into legal assistance, filing a complaint with the XXXX XXXX XXXX  along with possibly contacting the FBI to file for white collar crime against Discover.
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

They have continually billed my account for 2 years  and I was not able to log in and use their services. Submitted several lock requests in XX/XX/XXXX and XXXX, and XXXX. 

Major refund of all services because my subscription fee was rendered USELESS due to their continuous lockout and inability to refund or compensate for loss.
Consumer complaint received 2020-08-07
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. (TX)

address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

not mine
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

On XXXX XXXX I mailed Wakefield and Associates debt validation letter for a debt that does not belong to me but they continue to report this fraudulent debt to the credit bureau. Wakefield has failed to respond in the 30 day debt validation time frame and there for by law should stop collection and must remove this debt for failure to validate. I have no contract with my signature agreeing to pay this company any amounts of monies.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC (NC)

I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from XXXX Credit card company to CNAC on XX/XX/2020 in the amount of XXXX. I check from XXXX was mailed to CNAC on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from CNAC that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With CNAC on the line, I called XXXX rep who stated check had been cleared and cashed already, CNAC rep stated the check returned and a new one would need to be submitted. XXXX did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to CNAC. CNAC also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both XXXX credit card AND CNAC, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither XXXX, CNAC, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay XXXX they will report and If I don't pay CNAC they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.
Consumer complaint received 2024-02-09
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 ()

I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.
Consumer complaint received 2020-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (MA)

Evidently this company has denied ME based on not being able to verify MY employment? I have been ON SSDI for 5 years and when we first bought the house the lender needed my 1099. This is easy to obtain. HOWEVER I was only utilized as a co-borrower because of my credit score. They listed I lost a job due to covid? I didn't have a JOB as I was on SSDI and XXXX XXXX over there knew that. They did not ask for documents because they stated they didn't need them but to blatantly lie and say I have lost a job due to COVID? I am on SSDI. That can be verified with the government. They stated I had past due bills? I am not delinquent on an anything under my social. Please let them show me where I was late with any bill. 

Unacceptable payment history? That house we have is paid monthly ON TIME. If they do not fix their lies to the THREE credit bureaus, we already have an attorney ready to go after them. We have proof this WAS withdrawn on XX/XX/XXXX. They still went through anyway to mess my credit up? AND lied that they could not verify MY employment? If they simply asked for my SSDI PROOF verification letter which they did not from SSA they could have got a copy! My credit score they showed that they used was a XXXX ... clearly they are full of it when we decided to PULL out of the loan process on XX/XX/XXXX.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

They started reporting this the last three months to my credit report. They bought the debt from XXXX. I have not even been to the XXXX to get my blood work done. I called XXXX who did not ever send me the paperwork and then they said that they agreed it wasn't my responsibility but someone else as I have insurance and didn't even use them. They said that they can't fix it as the debt was purchased by the collection agency and the collection agency is impossible to reach and the one time I did they were unreasonable and hung up on me. 

NameCREDIT COLLECTION SVCS I Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$480.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$480.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$480.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

Im aware section XXXX requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I presented a " Bank Check '' in the amount 0f {$2300.00} to my Capital One Branch in XXXX XXXX, NY. I verified with the teller that it was a " Bank Check '' and could be exchanged for cash at that point. She informed me it was a " Bank Check ' and gave me the cash for the check. 

On XX/XX/2020 my checking account was debited {$2300.00} " Chargeback HOLD PLACED FROM TRIPS '' upon further review and calls to Capital One as well as returning to the Branch I found out the check was fraudulent and not a " Bank Check '' at all! Capital One insists that there is nothing they can do since I did receive the cash amount and was involved in a scam. 

The scam began as iI placed a car for sale on " XXXX '' website. A buyer sent me the " Bank Check '' for the amount of the car ( {$1100.00} ) and {$1100.00} extra to pay to the auto transporter, which I was to send a Post Office Money order for the {$1100.00} in order to pick up the car. Which I processed onXXXX. 

Well in essence the Money Order was cashed and there is no Auto transporter so that {$1100.00} is gone. The remaining {$1100.00} cash i deposited back into my account on XX/XX/2020 so basically I am out {$1100.00}. 

My complaint comes from expecting a " Bank Check '' to be as good as cash and that's why it was cashed, not against my account. I specifically asked the teller if that was the case! Subsequently I learned that is not the case and " Bank or Cashier '' checks do have hold times from one to five days. If I received those instructions from the teller I would have just deposited the check into my account and waited for it to clear! 

Even though I was involved in a purchasing scam and It was not Capital One 's fault the tellers of Capital One should be trained and versed to help their patrons and public be aware of such situations concerning check cashing! Especially if they were asked specifically on the check cashing process.
Consumer complaint received 2020-08-07
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. (MS)

I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (PA)

I never gave Experian my written consent to publish my private information onto their website. They have violated my consumer rights Pursuant to 15 U.S code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I demand all accounts thats in the dispute letter be deleted or i will seek litigation due to the stress these negative reporting accounts has caused me.