davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
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: Credit Karma (TX)

credit karma you are reporting account resolution service on my credit report by XXXX enclosed is there letter stating it is not reported REMOVE THIS ACCOUNT AT ONCE YOU ARE # IN VIOLATION OF FCRA enclosed copy of report 5 days from the time you receive this dispute to remove it.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

This was a loan from XXXX  XXXX XXXX. I paid the loan off on XXXX XXXX. It seems that XXXX of my credit reports are being updated monthly. But XXXX I believe XXXX  is not being updated at all.
Consumer complaint received 2018-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of Equifax, XXXX and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (CA)

XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Attn : Customer Service Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, TN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Owner : XXXX & XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Vanderbilt Mortgage and Finance, Inc ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 
Although Vanderbilt Mortgage and Finance , Inc is my loan servicer, I am unaware of the present lender, which is allegedly governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.
Consumer complaint received 2022-03-07
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 (MO)

Venmo account temporarily frozen on XX/XX/22. Upon following up, I was told that they could not tell me why my account was frozen nor when it would be unfrozen. Further, the team in charge may only be reached by email. Not even other customer service reps may communicate with them over the phone ( strictly, email ). I have received no messages, emails, calls, etc. from the frozen account team since the initial notification on XXXX. I have followed up multiple times, daily, since then. But to no avail. I am told the same vague answer- over and over : they cant tell me any details. In the meantime, they are holding over XXXX of mine and I am absolutely unable to pay any bills, buy any food, fill my car up with gasyou get the idea. I am with no resources because they are holding them hostage and refusing to tell me why. What do I do?!?! Please help!
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My husband and I get a lot of 0 % interest for 15-18 months Balance Transfers from banks all the time. And we like to use them, we agree to the 3 % transfer charge. So we did this with Bank of America about 2 years ago. They had made it a Cash Advance/check instead, basically charging us loan-shark interest monthly and taking out 2 payments a month! We didn't notice until we did another loan transfer to another bank for the Bank of America 's balance. Then one week later, XX/XX/22 there was a new cash advance on our account charging interest and taking out 2 payments a month. 4 payments within a 30 day period XXXX, XXXX, XXXX, XXXX. XX/XX/22 - XX/XX/22 {$670.00} When I called them, they had me on the phone for 2 hours transferring me back and forth from to fraud department to customer service and back again. I asked the representative what are we paying on, we transferred the whole loan/balance? The last person from the fraud department went to transfer me back and the phone went dead. The first guy I talked to XXXX from Tennessee, said to me, " It looks like you have cash advances '' I panicked because this isn't us. My husband and I don't spend like that. We have thousands in the bank. Why wouldn't we just use our free money? We originally used a credit card for educational purposes. * On the statement it also says interest on purchases, we have NEVER used any balance transfers for anything but the initial transfer. 
And balance transferred this to Bank of America 2 years ago. I went to a physical location there were no people, it was a virtual meeting with a representative on a screen that never connected, I tried all of the monitors, nothing.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (MT)

I was approved by PayPal for a PayPal credit account. I charged XXXX $ to the account on XX/XX/XXXX and wished to go and make a payment. PayPal is either unwilling or unable to confirm and/or accept the XXXX forms of payment I have tried to pay the balance with. They will not allow me to pay the balance with my debit card they have on file, and they will not confirm my checking account to allow me to pay with that. I have contacted my bank multipole times ant they have confirmed that there is no problem on their end, and that paypal has made no attempt to confirm or withdraw from my checking account. PayPal has put me into a customer service loop that goes nowhere and will not acknowledge that the issue is on their end. I just want to pay my bill, and they refuse to let me. 

PayPal Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I am disputing a charge for {$260.00} that appeared on my USAA credit card for a purchase I did not make. I received no goods or services from the charge. The details of the transaction are included in a letter I sent to USAA dated XXXX XXXX, 2022. I have had numerous calls with USAA regarding resolution of this matter. Basically USAA is stating that either I or a family member did indeed use the card to make the purchase because the purchase was made using a chip card. I am stating that neither I nor a family member used the card to make the purchase for {$260.00}. I have spent several hours being shuffled back and forth between different USAA representatives, all to on avail.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I put in a request for review of a workout plan with Amerihome mortgage company on the XXXX of XX/XX/2019. I included all documents that the packet said they needed. I called them several times on the XXXX of XXXX and the XXXX of XXXX and they said there may be other documents they may need and gave me examples of what may be needed. they also said that I have until Monday the XXXX to get all documents in because the wont except anything after 14 days from the sell date of my home, and they would be contacting me to ask for more documents if they need them. I sent the extra things that they might have needed to review my request and I got no response back saying that the received them. I contacted them today XXXX XX/XX/2019 and they told me that there wasn't sufficient time to review my paperwork and that they would not be reviewing a workout plan anymore. I am working with a HUD agent at the moment as well. I feel that they do not want to work with me anymore and that they want to sell my home.
Consumer complaint received 2018-05-20
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: CL Holdings LLC (MI)

XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,
Consumer complaint received 2018-05-20
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. (MI)

XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Consumer complaint received 2018-05-20
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. (MI)

XXXX XXXX XXXX  is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-03-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2018-05-20
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: Receivables Management Partners, LLC (MI)

XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and Rmpsvcs ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Consumer complaint received 2018-05-20
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: JPMORGAN CHASE & CO. (CA)

I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.
Consumer complaint received 2016-09-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened an on-line " platinum card '' without my knowledge and without my authorization, consent or signature. I never received this card, and there is a {$5000.00} line of credit associated with the account. I can see it in my on-line account. This was done around the time that my home mortgage was being processed which is also owned by Wells Fargo. Looking back, it appears Wells Fargo issued me an unauthorized line of credit, adjusting my debt to credit ratio. This affected my credit score, which affects the APR I pay to the Wells Fargo mortgage. As a result I am now paying additional interest to Wells Fargo, through my mortgage at a cost of thousands of dollars over my 30 year mortgage. Also, this affects any other loan amounts I finance because of the unauthorized adjustment they made to my credit score, such as vehicles, appliances and home improvements. I have worked very hard to manage my credit score, and that they fraudulently adjusted it is very very frustrating. 
Additionally, around this same time, they cancelled a savings account I had with them since 1992 which was in excess of several XXXX dollars. Again, they adjusted my credit history, by cancelling an account that had a clean history in excess of 20 years. I went into their office to complain, and they offered to open a new account, but the history would be lost. They stated that " they have lawyers, and that they will win and I would lose if I try to resist what was happening ''. XXXX things that have never happened before, both happened as I was attempting to purchase a home. Beyond incompetence, this appears to be malicious fraud. I would appreciate assistance, as I am a hard working individual, and they are a large entity willing to use their " lawyers to beat me '' if I resist their tactics.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these  agreements accommodations.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I have been contacting XXXX to resolve a credit card account since XX/XX/XXXXXXXX XXXX The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( XXXX, Experian, or XXXX ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.
Consumer complaint received 2019-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I was threatened with a lawsuit so I called this company whom I have previously paid other debts too. They agreed to biweekly payments. Debt was paid I have all my bank stayements showing the dates of payment to this debt. After it was paid I got a XXXX $ balance reflection and then the next month they rebilled me for the FULL AMOUNT again.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I paid off two collection accounts with Portfolio Recovery ( accounts ending in -XXXX   and -XXXX ), the accounts are showing up on my credit report again. The accounts are stating that they are open again. Per law, Portfolio Recovery has 5 days to notify me of this and no notification has been received. The accounts have been PAID AND CLOSED. The receipts of these transactions are attached.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I recently pulled my credit report and noticed that Experian was reporting some inaccurate information being reported. 

I noticed that Experian was reporting on my credit file several different names and addresses. This is inaccurate due to the fact I have only one name and one address that I am known by and use. 

I also have credit monitoring with Experian and noticed that they reported on several occasions that my social security number was found on the dark web, as well as my phone number. By you reporting multiple names and addresses on my credit report makes it easy for identity theft of my personal information for mail going to addresses where I no longer live at or have never lived at. 

I disputed the information in XXXX of XXXX and XX/XX/XXXX that Experian remove any names and addresses from my personal history, which may be on my credit report that is not listed as the name and address provided, but Experian refused to remove it and updated it as verified, as it remains on my credit report. This inaccurate reporting of information has affected my ability to apply for and receive credit fairly under the laws set forth by the Fair Credit Reporting Act.