davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
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)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I purchased home in XX/XX/2021 with NewRez. In XXXX I receive a letter that XXXX owns loan now but to continue with NewRez as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard XXXX, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.
Consumer complaint received 2023-02-04
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. (VA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-12-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have written about this before but it is so important that it must be mentioned again. Specialized Loan Servicing/S is representing XXXX XXXX XXXXXXXX XXXX  XXXX XXXX They are trying to force me to pay almost {$25000.00} for a 2nd loan balance of {$10000.00}. First I want to discuss the validity of their claim to the loan. S/XXXX said they aquired the loan from XXXX in XXXX, MI in XX/XX/XXXX but this can not be correct. I was paying XXXX XXXX XXXX XXXX XXXX, TX both before and after XX/XX/XXXX. SXXXX started sending me statements after XXXX XXXX  went out of business in XXXX. Why is that? Could it be that they were taking unfair advantage of the situation. SXXXX  filed a lien against my family home in XXXX. If they really owned the note, why did they wait so long ( after not receiving a single payment ) to put a lien against the house? I think they were making sure " the coast was clear. '' In regards to the {$10000.00}, my transaction history shows the balance was modified into the 1st loan. SXXXX has stated that the amount that was modifed was fo {$4200.00} interest, {$3400.00} escrow and {$2200.00} in fees but that is not true. There's not even a fee for XXXX, and the {$3400.00} is not a ( - ) like the {$4200.00}. Futhermore, my transation history proves what I am saying is correct. The 2nd loan was modified into the 1st loan : {$10000.00} Principal Paid XX/XX/XXXX and {$710.00} Escrow Paid XX/XX/XXXX ( {$10000.00} total ). 

I am sharing this information to try and help myself and others. 
These companies should not be allowed to get away with treating people like this.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk from there file. i sent the same letter to Experian and XXXX. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the XXXX from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX, they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with experian and XXXX. i received a letter from XXXX XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called XXXX in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In accordance with the Uniform Commercial Code and U.S.C. Capital One has violated my rights to discharge according to U.C.C. 3-603 Tender Of Payment. States that the payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having the right of recourse with respect to the obligation to which the tender relates. U.C.C. 3-311 Accord And Satisfaction By Use Of Instrument, U.C.C. 3-104 Negotiable Instrument, U.C.C. 3-419 Instrument Signed For Accommodation, 12 U.S. Code 411 Issuance to reserve banks ; nature of obligation ; redemption, U.C.C. 1-308 Performance or Acceptance Under Reservation of Rights. Now I have sent out a few tender of payments which Capital One failed to credit my account with the coupon which they refused and failed to do. Lastly, they closed my account which they are not supposed to do and not allowed to do and that is to my knowledge.
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (CA)

Please see complaint # XXXX for reference. 
That complaint was sent in XX/XX/XXXX regarding multiple attempts to collect the same bill from a collection agency. Now this collection agency has sold to another agency and they are attempting to collect again.. on bills already paid in full. This recent bill, received on XX/XX/XXXX is dated XX/XX/XXXX and is the same amount {$760.00} as three other previously paid bills ( breakdown of bills paid is attached ). This is incorrect and is extortion. I have already cleared all my debts over a year ago yet they still send the same bills over and over and over.. Threatening to hurt my credit that I've worked so hard to maintain. I am including a copy of the complaint sent in XXXX attached, please refer to that complaint for additional information :
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2021-12-18
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: SYNCHRONY FINANCIAL (GA)

I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check on this matter.
Consumer complaint received 2021-12-18
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. (GA)

I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check on this matter.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL (CO)

In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant. 
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this. 
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once. 
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints. 
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription. 
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner? 
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MO)

Closed on a mortgage on XX/XX/2021 - mortgage held by Wells Fargo. Received in the mail several days later a note from Wells Fargo about a XXXX account balance on my 'Wells Fargo Everyday Checking ' - This is via a normal account statement which has a note that the account is now closed. I have no record of opening a checking account with Wells Fargo nor did I ever authorize such. 

Contacted Wells Fargo - call taker cut me off when explaining situation/ spoke over me then transferred me to another lady who said they would investigate but would have to wait up to 45 days for results and then needed to speak with someone else - was transferred to a XXXX minute wait time before call dropped. They did disclose that there was no activity on this account. 

I don't know what this is, if I took a credit hit, etc. I am stuck waiting and they do not seem to really care. It seems Wells Fargo had a MAJOR issue with this fairly recently and it involved the CFPB, other lawsuits, etc so I thought it best to surface this concern to see if we can figure out what happened to cause this account to be opened.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

TD bank closed my account without notifying me. I believed there are money in my account but I can't access to my account information. I went to a local branch last week to get help but the staff said they don't have my account info as well because it's already been closed so he gave me a customer service number to call but the one I talked told me she couldn't help because no information is showed so she gave me another number to call but it's all the same, nothing showed up on my account! I'm so frustrated that I can't get any information on my bank account. From the record I have the last time I used my bank for an online payment was last year in XXXX.
Consumer complaint received 2022-02-11
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. (NV)

I sent in my metro 2 compliance about in accurate information reporting on my report I haven't got a responds and will like to get errors remove off my report
Consumer complaint received 2021-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2021-12-18
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)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-11
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. (OH)

New debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXX XXXX  XXXX. I have that hard to believe when I actually have documentation directly from XXXX  showing this balance is PAID IN FULL!!!
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I already took care of what the credit card company wants in return. So tell this XXXX collection job company of what they are trying to do which is collection fee 's interest. I already took care of what needs to be done. It's been taken care for about a year already. Back off I'm taking care of it already for a year now. The debit is to capital one not collection I was told to take care of it before it went to collection and I did so take them off my credit report and stop mailing me fraudulent letters seriously.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (AZ)

I have come out of forbearance at the end of XX/XX/2021. They told me they have turned our loan over for loan modification. I am still getting letters advising me that I am in default and eludes that they plan to take my house if I don't pay. I have received many letters like the one I am downloading to you.
Consumer complaint received 2018-03-01
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: DISCOVER BANK (IA)

I WAS CHARGED FROM A COMPANY THAT I NEVER DID BUSINESS WITH AND I HAVE NO IDEA WHO THEY ARE. I CONTACTED DISCOVER CARD AND THEY TOLD ME THEY COULDNT HELP ME BECAUSE I DID MAKE THE TRANSACTION WHEN I DID NOT. THEY ACCUSED ME FOR THIS CHARGE AND TOLD ME THAT I AM JUST TO OLD TO REMEMBER. HOW DARE THEM SPEAK TO ME THAT WAY. I NEVER DID BUSINESS WITH THIS COMPANY. THE COMPANY NAME WAS XXXX XXXX XXXX AND THEY CHARGED MY CREDIT CARD XXXX ON XX/XX/13. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

When I opened accounts with Capital One Bank, Capital One had incentives like balance Transfers, or low interest on purchases etc. I used my accounts, paid them off to a XXXX balance and earned an {$30000.00} credit limit. on account ending in XXXX. This account was not used for a while. Capital One sent me a notice that they wanted me to use this credit card account. When I tried to use this account to make purchases and this credit account was declined several times. I then contacted Capital one and their representatives told me that there are restrictions limiting the use of this account. Then there was a security breach on the account, restricting me further. Capital one then lowers the credit limits from {$30000.00} to {$10000.00} credit limit. I then received a red flag from XXXX ( XXXX ) telling me that Capital One had a security breach. I then received XXXX notices from Capital one ( crediXXXX Wise ) that my credit scores have changed from all three bureaus, losing several credit score points from each onXXXX. This happened all because of Capital one lowering my credit limit from {$30000.00} to {$10000.00}. It seems that the more business I gave Capital one the more they punish t me. I guess this is the way Capital One likes to do business. Shame on Capital One.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (UT)

I started a dispute with Credit Acceptance because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The lending company ( Credit Acceptance ) refused to repossess a junk car. I tried to take the lending company to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.