davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Paypal is attempting to collect a debt from what they claim is a chargeback from a buyer. This is an issue involving {$2200.00} for an item that was shipped to a PayPal user who subsequently damaged the item severely and is attempting to get his/her money back. Paypal had already closed this case out twice. I have the evidence backing that the item was damaged by the user. Paypal stated that they had contacted me about the chargeback case, yet they could not verify this. I have multiple emails from Paypal, yet none regarding a chargeback issue. They originally stated that they would handle it when I finally saw that they were debiting my balance by {$2200.00}. Subsequently, they stated that there was nothing they could do, it was not something that they covered under seller protection. The original shipment is from XXXX and the chargeback issue is from XXXX, I believe, as they won't verify that either which would make it beyond the 60 day window for a CC company to attempt to file a claim. 

This is not an item not as a described case, as the item was shipped as described and damaged by the receiver. 

This is under their dispute : XXXX
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I need to review historical paper statements for my Bank ot America Prepaid EDD Debit Card for the past 5 years ( XXXX ) because I suspect there here has been fraudulent activity in my account in the period between the two UI claims I have filled EDD ( XXXX XXXX claim and my XXXX pandemic ui claim ). I contacted customer service twice to request the historical statements, and both times I was told by a supervisor that the statements have been mailed out and I should be receiving them shortly. I never received any of the historical paper statements I requested. Please note that past account and transaction activity is not available online either.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process again.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Estimated date : XX/XX/2020 As XXXX war veteran I don't ask that anyone treat me better or different, but the same, with dignity and respect. When I contacted PenFed Credit Union to open an account, I was not treated equally or given the same chance to participate in the products.
Consumer complaint received 2021-03-31
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. (CA)

My personal information has been compromised and I've reached out to all 3 credit bureaus for correction and never received any response. The following accounts reporting are fraudulent and don't belong to me nor did I give anyone permission to use my information. 

1. XXXX  XXXX  XXXX  ( XXXX XXXX ) Balance {$1700.00}.

2. XXXX XXXX XXXX/ XXXX  XXXX  XXXX  Balance {$590.00} 3. XXXX  XXXX  County {$170.00}
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

File bankruptcy XXXX payments was XXXX a month stayed their until maybe XXXX XXXX. All payments went to the mortgage company I did not get credit for my payments. 
XXXX XXXX GEORGIA XXXX XXXX / XXXX XXXX DIVISION
Consumer complaint received 2021-03-31
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. (MD)

On XX/XX/XXXX we called XXXX XXXX ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XX/XX/XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XX/XX/XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Consumer complaint received 2020-05-26
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. (CA)

Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX we called XXXX XXXX  ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with Comenity about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

i took out mbna bank of america credit card they froze my account for 6 months refused replacement card for a year and demand minimum payments monthly i tried to pay them in full for 6 months now i cant consolidate the company has put me in loads of debt mbna bank of america
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from CREDCO, I never contacted or contracted with this company. I contacted CREDCO by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

On XXXX I was notified by XXXX credit bureau that a collection item was posted on my credit by Cavalry Portfolio Services for the amount of {$1800.00}, as XXXX XXXX  is the original creditor, I have disputed the account validity with all credit beraus and the account was permanently removed from my file only to come back 2 years later under Cavalry portfolio services, I asked them to remove this account from my credit because it's inaccurate and misleading and I mentioned the fact that it was disputed with the original creditor XXXX XXXX and it was unverified and removed and I also mentioned if the original creditor can't verify the account how were you able to do so, but I never received any response and the account still inaccurate and still on my credit file, furthermore upon checking my credit I found that the account was reported as a debt with contract that was opened under my name and the last active payment was made on XX/XX/2021 to Re-Age the account and ensure continues damage to my credit and I also found that Cavalry Portfolio Services adopt these deceptive practices continuously as a way of life not only limited to Re-Aging accounts but also report payment history when there is no payment made to unknown account with wrong status as a deliberate act to mislead and strong arm the victims either to settle for a debt isn't owed or suffer.
Consumer complaint received 2020-07-28
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)

I AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX  XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2019-11-07
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)

Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (TX)

ThisXX/XX/XXXXXXXX account no. # XXXX was opened in XXXX and closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I even disputed this account again in XXXX with XX/XX/XXXX Experian, and XX/XX/XXXX and still received no results. XXXX XXXX continues passing this account by selling it and leaving it open. This is not right, because this account is over 12 years old and should have been removed.
Consumer complaint received 2019-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I borrowed approximately XXXX dollars from this company more than 1 year ago. After making 14 months of payments in the account of XXXX each, the company shows that I still owe in excess of XXXX. It appears that the total payments will exceed XXXX after 2 years. 

I was told at the outset that this was a simple interest loan. I have been trying for over a year to get someone to explain how a simple interest loan can escalate into an amount that nearly tripled the original debt. 

I am trying to get this agency to stop its predatory lending practices to the elderly and poor.
Consumer complaint received 2021-03-31
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: First Credit Services Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX ... 1ST CRD SRVC ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  SV ( Original Creditor : 09 XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One bought a fraudulent Walmart card from XXXX XXXX in my name when this card peered on my credit report I can usually contacted XXXX XXXX and they send me an affidavit with the posted transactions I signed that I've heard of it as not mine and circled all the transactions as unauthorized that was approved account was removed XXXX XXXX credit report six months XXXX XXXX sold this card to Capital One and now Capital One is showing a unpaid doing good on my credit report when I contacted Capital One they have no idea where this balance coming from they just have one answer to everything XXXX XXXX so does this this is an absolute violation of My Fair Credit Reporting I want Capital One to send me designed terms and agreement and how does application was submitted you know this XXXX doesn't belongs to me or anybody need a XXXX   either Capital One and Capital One has no ride without my permission to use my credit report as a form of extortion