davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Since XX/XX/XXXX we have requested Select Portfolio Servicing , Inc. ( SPS ) to refund money owed to me ( XXXX XXXX - Trustee to the XXXX Family Trust ) in the amount of {$1900.00}. After SPS took no action despite requesting the return of my money and after providing supporting documentation on many occasions, I filed a complaint with the CFPB in early XX/XX/XXXX ( See Complaint Number XXXX ). As a result of this complaint, on XX/XX/XXXX, SPS agreed to refund my money and the CFPB complaint was closed. However, to date, SPS failed to return my money for which they represented in writing they would do ( where the check should have been issued in the appropriate name, XXXX XXXX, as property owner to the home that collateralized the subject SPS loan that I paid off in XX/XX/XXXX ). It is now XX/XX/XXXX, almost 2 months since my complaint with CFPB was closed and about 9 months that SPS has wrongly withheld my money. 

At this point, it appears the only explanation for not processing my refund is that SPS is intentionally and fraudulently keeping my money and/or they have material weaknesses in their internal controls, which should be brought to the attention of the CFPB, U.S. Department of Justice, and SPS 's independent financial statement auditors. 

As such, I'm demanding that SPS return my money to me immediately. 

Please advise on when I will receive a check in the amount owed of {$1900.00}. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2022 National Credit Adjusters reached out to me via email to settle a past due debt with XXXX XXXX. I accepted the settlement off and agreed to make 3 payments of {$290.00} to settle the debt for total of {$870.00}. I made the final payment on XXXX XXXX and requested a paid in full letter. I attached the letter to a dispute on my credit report to have the account updated. National credit adjusters updated the account and left a balance as if the account has not been paid. I disputed the results a second time and National Credit Adjusters refused to remove the balance and update my credit report to reflect the XXXX  XXXX  account as paid in full.
Consumer complaint received 2020-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

PayPal 's dispute process is completely dysfunctional. I filed a timely dispute and PayPal told me to " escalate it '' within 10 days. But, their app would not let me escalate it. I tried customer service, but they set up their automated system to hang up on people and it's impossible to get to a live person. Their website encouraged me to chat, but I dealt with a different person on every single response. One person said they would issue a credit and then another person told me they wouldn't. And, I can't even keep a record of that because their app prevents screenshots due to a " security policy ''. I even tried XXXX messaging and they did not respond to that either. Looking at the other XXXX comments, it would appear that hundreds of people are having similar issues with PayPal. Please help!
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank / XXXX 3rd party was allowed to add me to their credit card as an 'authorized user ' without my knowledge or consent. When 3rd party defaulted on payments, credit card company reported the default on my credit report.
Consumer complaint received 2020-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

All calls were received today, Saturday, XX/XX/2020. First call was received at XXXX XXXX, immediately followed by another call which logged as XXXX XXXX also. Received a call at XXXX XXXX, immediately followed by another call at XXXX XXXX. The last call I received was at XXXX XXXX. I consider 5 calls before XXXX XXXX harassment. The two calls at XXXX XXXX are ridiculous not to mention frightening. Any calls at that time you automatically assume are bad news regarding family members. The one call that I answered at XXXX had no answer. I have a screenshot of the phone log if needed.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc. (GA)

Filed a dispute with XXXX  ( XX/XX/2020, Confirmation # XXXX ) Credit agency. XXXX  closed file ( XX/XX/2020 ) as they contacted creditor and verified account is mine. 

I contacted GLA Collections, Inc on behalf of creditor XXXX for a purported amount of {$100.00} requesting date of service, insurance company information, and copy of the actual bill submitted, but to date have not heard back from GLA Collections. GLA has placed a lien on the public record for the amount of {$100.00} hich has altered my credit. I am on a fixed income ( SSA ). this amount is so low and should be deleted or waived from my credit file on Public Records.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (OR)

In late XXXX or early XXXX I was contacted by a firm called Proposer Funding, LLC., claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called XXXX XXXX, XXXX. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

NOT A DUPLICATE COMPLAINT. Chase lying to the CFPB to avoid accountability. 

TIMELINE OF EVENTS XX/XX/2020 - Contacted chase regarding a charge that the company said they would refund. I provided the acknowledgement from the company of return. 
XX/XX/2020 - Chase notified me that they would not honor the dispute since the company claimed I had not returned it. They gave me 14 days to respond. 
XX/XX/2020 - I provided the written acknowledgement from the company of the return again via. Chase 's secure messaging center ( their requested method of response ), and by filing a complaint with the CFPB ( XXXX ). ( DOCUMENTATION ATTACHED ) XX/XX/2020 - Chase lied and said that I had not responded to the dispute and they closed in the merchants favor. ( DOCUMENTATION ATTACHED ) This was both a day early and misrepresented the fact that I had responded in the medium they required. 

XX/XX/2020 - Chase lied to the CFPB and claimed that they reopened the dispute on XX/XX/2020. I contacted Chase on XX/XX/2020. I spoke with XXXX in the dispute department. They told me that they never reopened the dispute. They indeed had spuriously closed the claim in bad faith. 

It appears that Chase is lying about the obvious facts in an attempt to override consumer rights because of a prior agreement with Amazon. This is fraud. I have provided all the relevant documents.
Consumer complaint received 2020-04-13
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: AMERICAN EXPRESS COMPANY (NJ)

I tried to use my American Express and they said that I didn't pay the Annual Fee but I was not aware of it. Please allow me to pay the Annual Fee and reinstate the account. I can not afford to lose access to his card because my business took a hit because of COVID-19.
Consumer complaint received 2024-04-12
Product: Credit 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: CITY NATIONAL BANK (TX)

Dear Officials, I hope this email finds you well. I am writing to express my disappointment regarding an ongoing issue with my credit card account with the City National Bank. For the past 12 months, I have noticed a recurring charge of {$1.00} labeled as " XXXX XXXX '' on my credit card statement. Despite multiple attempts to dispute this charge and clarify its origin, the issue remains unresolved. 

I want to emphasize that I have not authorized any transactions with the merchant " XXXX  '' nor do I have any knowledge of such activity. This recurring charge appears to be a case of suspected fraud, and it is concerning that it has persisted for so long without resolution.

I am reaching out to the Consumer Finance forum seeking assistance in holding City National Bank accountable for their failure to address this issue promptly. I request a thorough investigation into these unauthorized transactions spanning the past 12 months, with swift action to reverse them. Additionally, I urge the implementation of measures to prevent future unauthorized charges from " XXXX  '' or similar merchants on my credit card. 

As a loyal customer, I trust that City National Bank will prioritize the security and integrity of its customers ' accounts and promptly address this issue. I look forward to receiving a swift resolution and restoring my confidence in the bank 's services. 

Thank you for your attention to this matter, and I request support from consumer finance to resolve this matter. I am highly worried that this unauthorized transaction is a suspected fraud, and this is causing concern to my financial security.
Consumer complaint received 2020-08-15
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. (PA)

Experian credit reporting agency ( also : experian information solutions inc. ) has mis represented information on my credit report for several months now, and i have been diligent in my efforts to aid them in fixing, however, I just found out today that I was rejected for a vital EIDL aid BECAUSE they reported an inaccurate score to the sba. They are the direct and proximate cause of loss and injury to myself and XXXX XXXX Phone records and recording will show that I tried many times to deal with the company on the matter, however never gotten anywhere, I am now seeking administrative remedy and will pursue punitive damages and recompensation for the harm cause to myself and XXXX XXXX by the information agency and request that the cfpb intercede as to ensure there is no reprisal or further mismanagement or my record as a result of future proceedings. The damage is directly related to the fact that experian did not publish my student loan information and thereby produce a credit score. The student loans are federal loan managed by XXXX. I spoke with XXXX and they assured me that they report the loan information to all three major bureaus, to include experian. The information reports correctly on XXXX and XXXX but not experian. I request swift action be taken.
Consumer complaint received 2020-08-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I HAVE APPLIED FOR A VA IRRRL REFINANCE. I CALLED PENNYMAC MY CURRENT LENDER FOR THE LAST 3 WKS TO PROVIDE A COPY OF MY NOTE ; WHICH WAS NOT INCLUDED IN MY TITLE PAPERS. HOWEVER, EVERYTIME I CALL I GET A DIFFERENT RESPONSE AS TO WHY I CAN NOT OBTAIN THIS DOCUMENT. 
THE LENDER I APPLIED NEEDS TO NOTE TO COMPLETE THE LOAN PROCESS.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have been contacting XXXX, Transunion and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

XX/XX/XXXX notified Macy's/XXXX via letter and FTC report of identity theft and a fraudulent hard inquiry on my credit report in their name. I advised them it was not me and that I hadn't authorized anyone to open credit in my name. I requested they investigate, provide me with the original application documentation and to close any account, absolve me of any charges, and remove from my credit report. 

XX/XX/XXXX Macy'sXXXX sent a response letter via XXXX advising " the inquiry was submitted with intent to gain credit from Macy 's. The Inquiry being reported to your credit file was authorized and will remain on your credit file for XXXX years. '' This inquiry was not authorized by me, and Macy 's did not comply with my request for documentation as required by law.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

I had a target credit card which is now in collection. the problem is the amount is wrong and the dates are wrong, plus i need proof of ownership of this debt. i need proof via a written contract signed by me with my signature on it. if you do not have such proof you must delete this account by law.
Consumer complaint received 2020-08-16
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. (RI)

On XX/XX/2020 I sent a letter to Experian asking it to correct the information in the report related to a now closed XXXX XXXX XXXXXXXX XXXX XXXX credit card account. 

The text of the letter : To Whom It May Concern : After reviewing my credit report, I am writing to dispute the following information. I have circled the disputed item on my attached report. The item : XXXX XXXX XXXX Account # XXXX Error : Payment Status : Charge Off Correction : Status : Discharged through bankruptcy Chapter XXXX Encl. 
Experian credit report ( pp. 1, 2, 8 ) Order of Bankruptcy Discharge Chapter XXXX Bankruptcy petition ( Official Form 101 pg 1 ) Bankruptcy petition ( Official Form 106 E/F pg 3 of 7 ) Drivers license Utility bill Despite including all the relevant information with my letter, Experian 's response failed to acknowledge or correct the incorrect information related to this account on it's report.
Consumer complaint received 2020-08-15
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. (TX)

XXXX, XXXX, amd Transunion refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$670.00}. And {$960.00} Account # XXXX. I did not make or authorize this charge. 
I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. 
Disputed Account # XXXX Original Creditor CAPITAL ONE BANK USA N.A. 
Total Amount Claiming : {$670.00} and {$960.00}
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-30
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with XXXX XXXX all in good standing so I know its a minor mishap in there part.