davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXXXXXX XXXX XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

they say i owe {$100.00} dollars to XXXX XXXX. my car was repoed i call XXXX and told them i need to cancel my car insurance. they ok no problem thank u for calling your policy is now canceled. now i have been getting phone calls i mean 6 times a day from this collection place im getting letters from this place. all the time. they hurt my credit score put as a non payment on my credit. the name of the collection place is portfolio recovery. phone # XXXX
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-08-09
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 wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to Transunion in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to XXXX for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (FL)

On XX/XX/19 I called MoneyLion support to close my accounts and withdraw all of my money.

After waiting on hold for over an hour I opted for a call back. I never received a call back.

Also, on XX/XX/19 I submitted a ticket to MoneyLion support online. 

Three days later on XX/XX/19 XXXX from MoneyLion sent me an email stating that she has cancelled my membership, but can not liquidate the account.

I am still unable to liquidate the account and close it out. The app states that there is an error and to try again later.

I've been calling MoneyLion and sending them emails without any response.

Furthermore, the value of my investment account has dropped significantly since my request to withdraw funds. 

Today XX/XX/19 MoneyLion again withdrew additional funds from my other bank account.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed
Consumer complaint received 2024-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My wife and I have been trying continuously to get something resolved to have our mortgage payments to be accepted or reinstated. we were told we were denied any kind of help or assistance. We were told we could appeal the decision in writing which we did and even though our financial situation has drastically improved in last few months they still are denying any assistance and will not accept any payment from us they said. Select Portfolio Services say there's nothing that can be done other than give them XXXX at once. if they would accept money then I wouldn't have to come up with so much all at once. I have asked to have the XXXX they claim I am behind on to have this det up in some type of manageable month payment along with accepting my normally monthly payment and they have denied this also. they also keep increasing our monthly payment that was supposed to be fixed rate at 4 %.
Consumer complaint received 2023-04-06
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I have requested mortgage assistance with my servicer Wells Fargo several times they have refused to assist me. I recently retried and I only receive Social Security and I don't want to lose my home. Wells Fargo has sent me in the mail from Wells Fargo executive office with the deed and note for XXXX XXXX XXXX XXXX equity line of credit whom reside in another state. Is Wells Fargo confusing my mortgage loan with another borrower whom has a Equity Line Of Credit? Are they trying to foreclose on my home with incorrect information in their files.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i have told credit karma to stop reporting inaccurate information they keep reporting. I need there insurance information to file a claim with there in insurance company with there error omissions insurance. They keep reporting XXXX XXXXXXXX XXXXXXXX XXXX  and XXXX XXXX XXXX These company agreed to cease and desist .also i filed a CFPB complaint against these companies. This is my secondfiling on XXXX XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (NY)

Around the end of XX/XX/2019, After the first representative called me, I explained my situation and how I became a dislocated worker. He mentioned that I had a perfect payment history before this situation so he called he was calling to see how he can help. After hearing my story, he agreed that there wasn't anything he can do to help me and I told him that once I get my finances back in order I will continue my payments. I also mentioned to him that I only really get enough to pay rent and not enough to pay my minimums. He said he understood and I told him that I will get it together once I get a job and i also mentioned that I do not wish to be contacted again because it's nothing that they can actually do to help me. He said he understands and that was the end of the call. So about two weeks later, I started to receive more calls so after I became annoyed by the constant calling, I asked another one of the calls and told the agent that I already spoke to a woman and explained to her that I already spoke to an agent about it and i did not want to be contacted again it. So after a few more harrassment, I answered and told the man to not contact me again and the this was harrassment. He assured me that they would not contact me again. So after a few weeks went past, I started receiving about 5 calls a day so I eventually blocked the number, so they started calling me from different numbers which I all blocked. They even started calling me on Sunday and Saturdays, which I know its against the law to harass  someone on sundays. All of this is making me never want to do business with this company ever again and I will be closing this account down soon and never doing business with Chase again. I can provide phone records from my cellphone provider is needed.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AR)

I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (LA)

I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. 
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any email or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Consumer complaint received 2020-01-21
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. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

For last two months, I have made an electronic payment to Capital One on credit card ending in XXXX. Each time, I received an email notifying me the payment was late. I, in turn, checked with my bank only to learn that the electronic payments were submitted and paid timely. When I contacted XXXX about the same, I was to by " XXXX '' that each time, I underpaid the minimum amount due -- {$230.00}. First, XXXX  never informed me about the sudden, substantial minimum payment increase. and second, that it supposedly wavered last month 's late fee. 

Each time I have filed a consumer complaint against Capital One, I have been retaliated against.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (FL)

I contacted American Express to ask how I could transfer my total balance [ {$5200.00} as of XX/XX/21 ] to a new card. They informed me that this is not an option. I was confused and this is my first time trying to transfer a balance to a new card. I'm starting a new job and am shopping for a business expense card that had a balance transfer option. I was shopping with XXXX for a mastercard and decided to check with American Express to see how that process would go. I just got off the phone with American Express. They said they don't do balance transfers right now -- for about the past year. I asked the representative, XXXX, to escalate my inquiry and find out exactly why they won't do balance transfers. I was put on hold for few minutes and he came back with a response that it was because of Covid. I was dumbfounded and said that is unacceptable. He said he knew that wasn't a great answer and he had no further information. I asked to file a complaint and he agreed -- then proceeded to tell me that after I file my complaint, the company may or may not get back to me -- at all. I found this egregiously unacceptable and asked who I could file a further complaint with. XXXX put me on hold and came back and said the XXXX XXXX XXXX. From my schooling, I remembered the CFPB and their vital role protecting consumers, which is why I'm filing this complaint. My complaint confirmation number with American Express is : XXXX. They gave no reasoning about why they will not process my balance transfer left me with no option than to seek help from the government about the issue. They try to use their weight and power to do whatever they want without explaining themselves, but I'm the consumer and I pay them interest monthly. I do not accept that they felt they don't need to answer for their policy to their paying customer and I'm humbly asking for your help in making them answer more fully and with accountability to their consumers. Thank you in advance for your dutiful consideration and diligence in helping me get more information and, hopefully, an equitable result to their black-box decision. I feel wronged.
Consumer complaint received 2023-01-31
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. (PA)

I have been noticing suspect emails and activity on my credit report and bank accounts. I was exposed in several data breaches that resulted in my personal information being taken by scammers. I am now positive that someone has been using my information to open accounts and or make changes to existing accounts. After reviewing my report I noticed several fraudulent accounts.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NC)

Got a text from XXXX XXXX XXXX wanting me to call them or go to their website about a debt with XXXX. My account with XXXX  is current. This is a scam and is not the first time they have attempted this. They need to be prosecuted and given jail time so they can not profit from this predatory interstate commerce scam
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recently requested a {$1000.00} increase in my credit line with Capital One. I am a XXXX year old woman, separated from my husband for the last XXXX years. I received a letter stating my request had been denied on the basis of Your average monthly payment has been too low. The explanation that was provided by Capital One was Generally, if you make more than your minimum monthly payment on time for 3 months you can reapply for a credit line increase. 
Below is a report of my last payments for XXXX and XXXX 22 payments in all. Everyone of these payments were made in a timely manner and far exceeded the minimum payment required. As of this writing, at the highest amount of outstanding credit, the minimum payment is only {$100.00}. 
XXXX XXXX - {$350.00} ; XXXX - {$100.00} ; XXXX - {$250.00} ; XXXX - {$250.00} ; XXXX - {$100.00} ; XXXX -  {$100.00} ; XXXX - {$100.00} ; XXXX - {$500.00} ; XXXX {$250.00} ; XXXX - {$300.00} ; XXXX {$150.00} ; XXXX - {$300.00} XXXX XXXX - {$250.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$400.00} ; XXXX -  {$200.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$350.00} ; XXXX - {$500.00} ; XXXX - {$440.00} I did not receive any adverse action notice. 
I believe I have proven that the credit line increase should be granted in light of the fact that I have far exceeded Capital Ones requirements. I urge Capital One to be completely truthful in its response and not to add any additional requirements above the reason I was given for denial.
Consumer complaint received 2021-01-25
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: LEXISNEXIS (NC)

File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household