davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Hi I jjst got an email from Amex statingWe are writing to let you know that, after careful review of your Membership Rewards account activity, we have removed points from your Membership Rewards program account. Please ensure that any Additional Card members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance. 

Why We Are Removing Your Points We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. Please recall that the Membership Rewards program terms and conditions state that " if you attempt to use or obtain points in a fraudulent way, we may : Take away all points in your program account, Cancel your program account, or Cancel any of your American Express Cards '' Your Options If you have any questions about this letter, or if you believe that the points have been removed in error, please contact us at XXXX ( XXXX ) I had an offer in the mail to sign up for Amex Platinum and get XXXX sgin up points when i got that email and called they said i had that offer before and i don`t qualify for this XXXX 1- I had Amex card before and I NEVER REDEEMED any offers as the card was open for 1 week. 

2- i got the offer MAILED to my house with my name on it with an offer code after I applied, did hard pull on my CR and met min. spending requirement now they say you don`t qualify? 

I would like Amex to honor their advertised offer bearing in mind that i fulfilled their terms and conditions and I NEVER redeemed any bonus offers from them in the past
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/2021 I was several called to Mr cooper mortgage company. 
Prior to completion of the forbearance program, I applied for a loan modification to the MR COOPER mortgage company. the due date on XX/XX/XXXX, Call center guys told me Loan Modification would take about 2 weeks. However, it takes a month to continuously ask for reasons for the system. It is said that the loan Modification can not be terminated. This reason is fraudulent trying to take my home. It is said that it takes 3 days to pay all the unpaid money.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, XXXX, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.
Consumer complaint received 2015-04-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (TX)

I Am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX -My SS # is *********** - DOB - XXXX XXXX -On XXXX, Paypal Notified me that they were TERMINATED MY DEBIT CARD FOR NO REASON, A VILATION OF COMAONY POLICY ( THERE IS NONE ) after 17 Years and I have paid XXXX in fees to them for processing my payments, I have NO UNSOVED DISPUTES AND THEY LISTED XXXX -all of which I refunded after I found out they were CONVITED CRIMINALS - COmoany Policy, I am a 10 Year XXXX XXXX and XXXX int he Texas Secreatry of XXXX - I also have a Texas Credit Organazation XXXX and XXXX Texas Insurance Licence XXXX XXXX XXXX Financial Analysist and CFPB- - My XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - It is my Tax Attorney Address XXXX Coffin Atty, XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Pay Pal Tells me that they are going to HOLD MY XXXX for 6 Months - When I have done nothing but been a loyal Client and a Tax Payer - This is Fraud and the TExas Attorney General said it is DECETIVE TRADE, FRAUD AND THEFT - I have reported this to them and local police, XXXX XXXX POLICE DEPARTMENT, XXXX TX XXXX. My attorney tells me to see them immediately, for lost Income, Fraud and Deceptive trade. 
I demand my fund back and have given them 3 days to do so, they state in an email only that they will NOT until they please. Under Texas Law and Federal Law this is NOT A bank and I owe them nothing and have NO LIABILITY - I want my fund returned to my CORPRATION IMMEDIATELY - MY EN # IS XXXX, XXXX XXXX XXXX - I have copied XXXX people at Pay Pal and their Board of Directors -I ma seeking Criminal charges as well as civil charges - Please do your due diligence and return my funs as I am XXXX - I have reported this to all the News Channels, Written XXXX XXXX PERSONALLY and President Obama XXXX PAYPAL HAS XXXX of complaints and the CFPB IS LETTING THEM OPERATE - SEEMS to me We should be suing you -Please help me accomplich putting these people out of business -My Card # is **************** exp XX/XX/XXXXMy attorney is XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX : XXXX XXXX ) XXXX hard to beleive after 17 years they would hold XXXX and have a attitude like I have done something wrong - A XXXX man that the GOVERNMENT FINALLY APPROVED XXXX AND I TURNED DOWN - I lost my mom on XXXX XXXX, XX/XX/XXXX - and she told me NOT TO POAY THE GOV, keep all cash that there are nothing but crroks - She was XXXX, had XXXX Siblings - XXXX nephew is XXXX XXXX, XXXX XXXX, he states it is simple theft, Fraud and Deceptive Trade- SUE THEM and give them to the CFPB that he would call XXXX XXXX - the XXXX is XXXX XXXX, XXXX XXXX and US XXXX MAGISTRATE northern XXXX of Mississippi - XXXX - He too said he would call XXXX the Governor of Texas -. 

I await your reply and thank you -I have done work for the Affordable XXXX XXXX XXXX a consultant and its hard to belelive this could really happen -My XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my absolute frustration and anger at the presence of a fraudulent account on my credit report. The account in question, XXXX XXXX, is unauthorized and has severely impacted my financial standing. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am complaining of excessive interest charges on kohls credit card. 
Credit card is set so that minimum payment is made online automatically. I did not realize there was a balance in the account. Statements have been sent electronically which has not been either received seen or reviewed by me, hence I did not know there was a balance. Meanwhile compounding interest has been piling up and the interest rate is ridiculous, why is anyone even allowed to charge such exorbitant interest rates. Attempt has been made three times to ask forgiveness/lessening of the interest charges ( especially during pandemic ) without success, they would only forgive one months worth, meanwhile they have been charging compounding interest for more than a year totaling hundreds of dollars. 
There is also limited information online on the statements. Goes back to only 3 months and without details.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (GA)

Subject : Complaint Regarding Identity Theft and Incorrect Reporting on Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX incident of identity theft and incorrect reporting on my credit report. During the year XXXX, XXXX XXXX XXXX clients took a patient using a fake driver 's license that does not have the correct home address listed. It has come to my attention that my driver 's license was stolen and altered, leading to this case of identity theft. 

Furthermore, I have discovered that XXXX XXXX XXXX is listed as a debtor on my credit report, as a collections date opened XX/XX/XXXX for {$790.00} which is negatively impacting my credit score. This incorrect reporting is causing significant distress and financial hardship for me. 

Additionally, I have found evidence that XXXX XXXX account was also used to open a business cellphone account using my likeness and name, this reports as a collection for {$730.00} but with the wrong mailing address. 

I have taken immediate action to address this issue by filing a complaint with the Consumer Financial Protection Bureau ( XXXX ), XXXX, and all three credit bureaus. I have provided them with all the necessary documentation, including the police report that shows my license was stolen and altered. 

In light of these circumstances, I kindly request the following actions to be taken : 1. Immediate removal of XXXX XXXX as a debtor from my credit report. 
2. Thorough investigation into the identity theft incident and appropriate actions taken to hold the responsible parties accountable.

3. Assistance in rectifying any financial damages caused by this incident, including reimbursement of any fees or expenses incurred in the process of resolving this matter. 

I expect a prompt response and resolution to this matter. Failure to address this issue adequately may result in further legal action. I have enclosed copies of the relevant documents, including the police report, for your reference. 

I look forward to your prompt attention to this matter and a satisfactory resolution.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (KY)

I have Disputed several accounts that appear on my report, but have not heard anything yet. I also need to dispute some of my personal information that appears on my credit report. My Current address, and Employment are not correct. I am not employed but on Social Security XXXX as monthly income. I would like that included on my credit report to reflect that I do have a monthly income.
Consumer complaint received 2022-09-05
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (TX)

XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. 
This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. 
My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. 
I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.
Consumer complaint received 2015-10-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc (WA)

They call us and harass us and I let them know our problem me they threaten us to take my husband pay and get other involved we stop payment do to low funds told them we could only afford XXXX we bought stuff worth over 2000 but have to pay them XXXX they scam military members plus the items we bought was like 2 years old and always out of date
Consumer complaint received 2016-04-12
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My husband and I recently re-financed our home. As part of the re-finance deal, we agreed to pay off XXXX outstanding credit card balances. XXXX of those balances was with Capital One. A check was issued to Capital One in the amount of {$6600.00} by XXXX XXXX XXXX and Closing Services. I sent this check off and it was cashed on XXXX XXXX, 2016. Unfortunately, our Capital One credit card account that this check paid off, was returned to its unpaid status even though the XXXX XXXX check had been endorsed and paid. The specific complaint from Capital One is they could not read the endorsement clearly. After multiple conference calls and at least XXXX times forwarding a copy of the front and back of this check, Capital One still claims they can not find this check in their system, and keep requesting a clearer copy. We are in our second period of investigation and Capital One has temporarily re-credited our account with the {$6600.00} for a limited time while the investigation proceeds. I am working with the check-issuing company, namely XXXX XXXX XXXX, who are being very cooperative and doing everything in their power to help resolve this issue. Unfortunately we and Capital One seem to be going in circles, and I fear our balance will be re-instated and we will be once again liable for it.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have numerous bank/mortgage accounts that I make payments to each and every month. 
Since my home loan ( servicing ) was/has been sold ... .I can not review ( online XXXX my payment history ... ... along with details about where/how my payment XXXX XXXX ) have been posted/brokendown. 
I have requested this numerous times ... .but to no avail ... ..below is how it looks on their website : " View Accounts Account Information Account Number Borrower Name Property Address Outstanding Balance * Account Details '' With NO DETAILS below this ... ... they want you/customers to submit ... .in writing to obtain a written statement ... ... I get those ... .but they are always incorrect ... .since their cutoff date ... is WAY before the final due date ... ..it 's very frustrating!!!! 

I can go to any other payments that I made/make at other institutions ... .and they information is RIGHT there in front of you ... ... this is the ONLY firm that does NOT provide this information ONLINE that I deal with ... ..and I deal with A LOT of banks!!! 
FYI ... .they keep referring me to an ... .. '' XXXX '' ... .. 
Please advise.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

For the past 6 months I have tried to work with Experian and have XXXX improperly placed accounts removed from my credit. I do understand mistakes happen but i am having problems with them correcting the error. 
XXXX Account Number XXXX BK Reference # XXXX
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (PA)

Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.