davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a Capital One card for 10 years and paid it in full or close to it every month. Capital one cancels my card with no explanation. I call- they apparently don't have to provide me with an explanation. Fast forward year or two.. I get approved for the prestigious savor card with a {$500.00} bonus once you spend {$3000.00} in the first 3 months. I charge over 1,000 dollars within the first week and make a {$600.00} payment before the payment is even due- bam they close my account. Capital one will close your account if you pay your bill in full or make large payments that they are not earning interest on. It is disgusting. I have an XXXX credit score. I will never do business with them again. They don't want to give up the bonus nor lose interest. Last time I checked you were allowed to pay your bill in full. Unbelievable.
Consumer complaint received 2017-12-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

LOAN NUMBER XXXX FIRST ISSUE IS THEIR BUSINESS AND COLLECTIONS PRACTICES. THEY SAY THEIR IS NO GRACE PERIOD BUT YOU ARE NOT LATE TILL THE XXXX OF THE MONTH. IF YOU ARE NOT LATE TILL THE XXXX CONSTANT CALLS TILL THE PAYMENT IS MADE ON THE ACCOUNT BEFORE THE XXXX. THEY WILL CALL HOWEVER AND WHATEVER ASSOCIATED WITH YOU AND THEN GO FROM THERE. SECOND EMPLOYEES DO NOT KNOW HOW TO TALK TO PEOPLE IN REFERENCE TO ANY SITUATIONS GOING ON. I NEVER ASK FOR A PAYMENT TO BE MOVE I KNOW MY FIRST PAYMENT WAS LATE BUT THIS LATE TWO PAYMENTS THAT WHERE LATE WAS DO DUE TWO XXXX IN THE FAMILY THE RESPONSE FROM THE COMPANY IS THIS HOME IS A PRIORITY. ALL OTHER COMPANIES HAVE TO FOLLOW CERTAIN BUSINESS PRACTICES BUT THIS ONE. I ONLY WANT COMMUNICATION FROM THEM IN WRITING I DO NOT WISH TO DISCUSS ANYTHING WITH THEM OVER THE PHONE OR VIA EMAIL THEY LACK PROFESSIONALISM. ALSO THEY NEED THEIR BUSINESS PRACTICES TO BE INVESTIGATED.
Consumer complaint received 2020-12-01
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. (NY)

Bankruptcy in XXXX. Since then I have rebuilt my credit to good status with XXXX and XXXX. Experian however keeps dropping their score because I refuse to buy their products. They have my points and fica much lower then the other 2 credit bureaus. Before I lost my job in XXXX I had XXXX score. Since then I have never missed or made a late payment and have paid everything in full yet Experian keeps dropping points but yet manages to offer me more credit card suggestions. Predators!
Consumer complaint received 2020-12-01
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. (GA)

Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Sorry about my English will try my best to explain my self. I have been charged for purchases that I dint made on my card, normally when I got a deposit automatically founds are transfer to my personal account and that day dint so I went I notice that transfer dint go through and I went to check on the account and I got this charges XXXX XXXX XXXX. {$200.00} XXXX XXXX XXXX. {$350.00} XXXX XXXX search {$24.00} I call the XXXX Bank of America reported in XX/XX/XXXX a lady ask me if i have my card with me, i whent to my wallet and I dint have it in my wallet, she ask me when was the lastime that i saw it, i told her that i dint remember because i have never used that card at all, Never. She told me that they where going to investigate and cancel my card, and they would let me know and that i was going to receive a letter on mail with new card and never received a letter, email or call. I got in touch with them on XXXX about the problem let them know about the problem and she told me that there was no report she ask me for any proof of case submitted I told hear that i made a call but I do have a email that I sended. she ask me to send again, and this time got a replay to email asking me to call I did call as state in the email and a guy told me that it all ready pass 60 days and they can do nothing about it to put a claim on the unauthorized transactions. When I have been for to months calling and waiting until today I found another 2 unauthorized transactions XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXXXXXX {$00.00} I was going to call but if they ignored me the 2 firts times for a bigger amount they would laugh on me for 73 cents. Also I recived all this information that Im going to attach on the days of the unauthorized transactions occurred I dont know what to Do thats main reason asking you for help. Thanks
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Good morning. i noticed some inaccurate items on my credit report. i sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MA)

My wife was trapped overseas and I was getting paid less and I had trouble making payments. In XXXX I set up a forbearance plan and I called to double check if they would just just add the payments onto the end of my mortgage they guy I spoke to said yes no problem. When I called after the 6 months the lady I spoke to said I dont qualify and I would have to pay all 6 months or take another forbearance plan to catch up. 

So now Im on another plan and its very hard to make 2 mortgage payments as Im getting paid less and my wife does not have steady income.
Consumer complaint received 2019-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc. (GA)

-My family and I have had repeated phone calls from XXXX ( an associate of GM Financial ) associate. We have spoken with them on the phone and they leave messages. I have no relationship with them now nor have we ever had any. They are contacting us trying to contact my Brother ( XXXX XXXX ), asking does if he lives here. We have told them repeatedly that he does not reside with us. The phone number they call from is XXXX. 

After listening to two separate messages they left, I noticed both people obscured the last couple digits of the number they left to return the call too by speaking fast. This leads me to believe the purpose of the call is purely harassing and they know the person they are trying to contact cant be reached at the number but assume by harassing us that we will contact him. Even if I wanted to, I can not and have not had contact with my brother for several years. 

On XXXX XX/XX/2019, I contacted GM Financial customer service directly and informed them that I consider the phone calls harassing and requested they stop having XXXX contact us. They said they would look into it.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX year old XXXX Vet that operates a small XXXX XXXX XXXX from the basement from my home. I completed an on line form to receive a SECOND SBA PPP Loan on or about XX/XX/2021, however, due to being diagnosed with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, I inadvertently typed in my payroll figures based on a " weekly '' sum, however, I was unable to read the online form correctly, which asked for a " monthly '' sum, which resulted in being shorted {$30000.00} of what was to be my qualified loan amount. The bank, JP Morgan Chase, account only deposited 2.5 times the weekly payroll sum of {$7000.00}, rather than the {$37000.00} I qualified for, but due to my XXXX  in XXXX XXXX, I failed to read it correctly. I am the sole income earner in a family of XXXX, my kids are of college age, which I had very late in life due to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that prevented me from having children in my first marriage. I sought to have this rectified by the bank, but in each and every instance, they stated, " sorry '' we can not assist you. I called the SBA which explained that the bank is in fact the lender and they were only guaranteeing the loans, and told me to seek help at a higher level, so I visited the bank and wrote to the CEO, but the branch manager, though sympathetic, couldn't help either and couldn't understand why the Chase PPP Department was not assisting me under these particular circumstances, however, they told me it was " too bad ''. I don't believe that I should be totally dismissed and not provided with the qualified loan, only because I am XXXX and made this error due to my XXXX XXXX. I have written to the XXXX and the XXXX XXXX XXXX as well, but this bank is so uncaring, I can't tell you, and I am in desperate straits, I have lost over 60 % of my ordinary income and in great debt, nothing I thought would happen at my age and circumstances.
Consumer complaint received 2020-12-01
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)

While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.
Consumer complaint received 2021-04-10
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: First Financial Resources, Inc. (RI)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on equifax and the last date they reported it was on XX/XX/XXXX 3. On XXXX they did not report since XXXX 4. XXXX they are not reporting at all 5. Equifax says the last payment was on XX/XX/XXXX 6XXXX says last date of payment is XX/XX/XXXX 7. XXXX says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies
Consumer complaint received 2021-11-03
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. (MI)

The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.
Consumer complaint received 2021-11-03
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. (MI)

The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

FREEDOM MORTGAGE is reporting late as reported in XXXX and XXXX. Lets delete this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX XXXX XXXX Dealership. XXXX of XXXX XXXX XXXX XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Consumer complaint received 2021-10-19
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 (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

Children 's Place/Comenity Capital Bank failed to give me proper validation of this debt. 

I mailed Children 's Place/Comenity Capital Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-27
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. (CA)

On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXX the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

Received a settlement letter XX/XX/XXXX for a balance owed from XXXX XXXX of {$650.00}. I settled for {$320.00} on 10/23. XXXX XXXX still has not provided the Settled in full letter honoring the settlement.
Consumer complaint received 2021-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First, I did not give Transunion permission to do credit reporting on me and demand all negative information to be removed. Second, I have sent in multiple disputes demanding proof from Transunion from these debt collectors and nothing has been sent, yet, they claim it accurate and verified. These collection agencies such as XXXX XXXX XXXX pops up THIS YEAR on my credit report showing opened XX/XX/XXXX with no communication. But was only added on XX/XX/XXXX of XXXX! See documents attached. How can you validate MY debt without sending the documentation Ive requested so I can VERIFY? These debt collectors do not contact me prior to reporting invalidated and inaccurate information as Ive stated in my disputes! Transunion updates my disputes stating that it is verified, WITHOUT them sending me any of my requested documents showing that I owe this debt. How can you validate MY debt? Ive asked over and over for verification and documentation that there is a valid basis for claiming that I am required to pay the debt to these current creditors. For example, Ive asked Transunion and the debt collectors via disputes to provide a copy of the written agreement that created my original requirement to pay. In addition, a copy of the last billing statement sent to me by the original creditor. State the amount of the debt when it was obtained, and when that was. If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Nothing and I mean nothing has been furnished to me after multiple attempts to receive. These debt collectors do not communicate to me prior to reporting as Ive stated but you constantly ignore. This has caused me more problems financially! I need these debt collector accounts removed IMMEDIATELY. My rights as a consumer have been taken advantage of, I know that Transunion is obligated to send me proof as I have requested several times as well as I did not give Transunion permission to report any of my credit accounts or history. These invalidated debts are to be removed NOW for violating my rights.
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc. (CA)

I Sent a Validation letter via certified mail to CMRE Financial Services , Inc. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX and they received it XX/XX/2021. They failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

This morning I woke up to a notice that I had received a payment from someone via Paypal in the amount of {$4500.00}. While this payment was due, the payor was not authorized to make the payment to me via Paypal, and as such, the moment I saw the payment, I immediately refunded the full {$4500.00} to the person that had paid me. 

However, PayPal is charging ME a fee of {$130.00} for the {$4500.00} payment, which again, has been refunded. 

I submitted a request for Paypal to refund the fee, and they replied that their policy is to deny all fee refunds as of 2019. This is dumbfounding ; how in the world can they possibly charge one customer an exorbitant fee for another customer 's error??? 

As I've said, I've returned this person 's {$4500.00} ; all I want is the {$130.00} back -- which as far as I'm concerned PayPal stole from my account. I did not authorize or request this payment, I do not sell any goods or services on XXXX  or via Paypal at all. This fee should be refunded. 

Thank you for your help with this matter.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.