davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
Consumer complaint received 2020-07-01
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. (FL)

I have disputed this account with both Equifax and XXXX / XXXX XXXX multiple times. I have requested proof of ownership but it has never been provided. I have been told by the original creditor that the account has already been closed and the collection should have been as well. They also said to request Proof of Ownership from the collection agency as they said they had none. To date, nothing has been provided. 
I have provided police reports and Affidavits of Non Ownership to both the collections agency and to Equifax but the account has not been removed. Attached to this dispute, please find a police report mentioning the original creditor XXXX XXXX and the most recent Affidavit of non ownership.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WI)

notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

My Barclay Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for Barclays Card XXXX for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with XXXX and was told that Barclay Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. Barclay Bank is not reporting accurately even after making my settlement amount. XXXX has collected the whole settled amount for Barclay Bank but Barclay Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with Barclay Bank.
Consumer complaint received 2024-02-21
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. (TX)

I went to a Buy here Pay here company XXXX  XXXX XXXX. I specifically went there because they advertised they were a NO CREDIT check company. They pulled my credit when I opened an account with them and their finance manager denied me at first because I wouldnt take one of the worst cars they had on their lot. Then a salesman helped me get into a car the next day. 

Now in XXXX I notice that theyve appeared on my credit report as an auto loan. My daughter and I called and spoke with XXXX and she told us that they sent out an email which they did not, this is something new that they just got approved for and we ( the consumers ) didnt have to give consent because its up to the company.
Consumer complaint received 2020-07-18
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 (PA)

On XX/XX/2019 I lost my job due to a misunderstanding with my director. While I was trying to get things back on track I filed for unemployment and started to receive a benefit in XXXX. I had bills to catch up on and XXXX children to take care of. Capital one sent paperless bills during that time but never thought it would be wise to maybe call regarding the drastic account change they were planning. After getting stable despite XXXX  I wanted to make things right. I called Capital one in XXXX and made them aware of my repayment plan. No one said the account was closed but open for repayment only. On XX/XX/XXXX, I called and asked why my online account said restricted and the agent could not help. I called again by that next Monday and that is when a supervisor said my card has been closed despite my efforts to pay up now. Apparently restricted really means closed but no one disclosed that. Honestly, I found information on XXXX where Capital one does this over and over to people.Overall, I dont think this is reasonable or even ethical for a business to treat a customer like this.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

XXXX XXXX XXXX had a door to door salesman sell me a security contract and equipment. This is after I told them I was already in a contract with XXXX XXXX. Yet they still installed equipment and signed me up for a contract. Without my signature and a proper copy of the contract when the work was finished. Instead they gave me a free month of service and tried to buy out XXXX XXXX. I was told i didn't submit paperwork in time and they couldn't buy me out of the XXXX XXXX loan. They gave me XXXX dollars and have suspended my payments to the back end of the contract year. Instead of letting me break the contract without having to pay the next 6 months of the contract. I am an elderly widowed woman on a fixed income who was taken advantage of by the XXXX XXXX XXXX sales team. They failed to provide me with contracts with my signature on them and dates that are inconsistent. I am worried about my home security but shouldn't have to be worried about being robbed XXXX by a security company. I have already payed XXXX and Citizen Bank for the half the year {$1500.00}. I would willingly give back the XXXX dollars for a void in the rest of the loan and termination of XXXX contract {$1400.00}. I already pay XXXX XXXX and have payed XXXX for half the year two companies to do the same job. Again I was taken advantage of by the sales team for XXXX XXXX XXXX and not provided with adequate information. I will gladly pay back the {$200.00} I owe but find it hard to continue to spend my money on a company that clearly does not have my best interest at heart. PLEASE HELP!
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (MD)

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I booked with XXXX XXXX thru XXXX using Citicard on XXXX XX/XX/2020. Due to pandemic, the park was closed during my stay. It is taking a while to refund so I disputed with Citi. They decided on merchant 's favor for no reason given to me. So I tried to reach out to XXXX XXXX. I spent so much because it's international call but no luck. I almost give up but finally was able to get a hold of them thru XXXX. They said that they could not refund my money because I/Paypal already took it. I appealed to Citi and told them what happened. They still favored the merchant. Why?? So where is my money? If XXXX said they don't have it and Citi never returned it back to me? Then where is the money? Who do I turn to if both merchant and card company do not want to help me. I want to give up but {$450.00} is a lot of money for a struggling consumer like me. Why big corp like XXXX and Citi take advantage of small people?!
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MN)

I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. 

Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. 

In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. 

What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MO)

The letter was dated, XX/XX/XXXX from XXXX XXXX regarding " Notice of Debt ''. In the letter, the " Date of Service '' indicated XX/XX/XXXX and a " Balance Due '' {$2100.00}. Per the letter, the Original Creditor was XXXX XXXX XXXX XXXX, and Current Creditor is XXXX XXXX XXXX. This notice of debt is for a patient name, XXXX XXXX. I AM NOT XXXX XXXX, nor have I ever used that name or alias at any given time. It is also important to note that I use the Department of Veterans Affairs medical facility ( ies ) for any medical-related needs. 

In the past, I have also filed an Identity Theft Report with FTC. The ID Theft Report that I filed was also due to fraudulent medical services and charges in which other collection agencies attempted to file under my credit report/file ; even after I made verification with those collection agencies that the information they have on file such as DOB did not match with my DOB. I have also filed complaints with CFPB regarding those fraudulent services/charges/collections. 

If the creditors may require further proof, I have a copy of the ID Theft Report that I've filed. I can also provide a copy of the letter from the Department of Homeland Security ( DHS ) informing me that my personal information had been impacted due to a privacy incident involving a database used by DHS/OIG.
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (LA)

I 've tried several times unsuccessfully to have some inquiries removed from my credit report as they are reporting inaccurately. I finally spoke with an agent who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I was told that my credit report would be updated in 24 hours with these inquiries removed. On today XXXX/XXXX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : 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 Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

XXXX/XXXX/17 multiple creditors are unable to pull my Equifax data. I called Equifax and they do not want to help me, but rather tell the lenders to call the Equifax Business Customer Service Hotline. I am also unable to pull a personal Equifax report.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. 
Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. 
Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. 
Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. 
On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. 
# XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. 
On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. 
THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. 
THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. 
THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. 
ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX 
These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. 
THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. 
XXXX XXXX XXXX
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo lied to me about previous deposit and credit card accounts that were opened in my name prior to me opening an account. Then after opening deposit and credit accounts allowed the fraud to continue ruining my credit and leaving me destitute. 
XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

In XXXX I started trading XXXX using PayPal. I made many transaction that I will list with the amounts and dates. On XX/XX/2018 PayPal sent us an email notifying us that our account had been permanently limited with no appeal. They claim that I violated their Acceptable Use Policy ( AUP ). They claim that I am in violation for acting as a currency exchange/dealer because I had been trading bitcoin and using PayPal to accept payment. According to the IRS, SEC and according to the 11th circuit court in Florida judge XXXX XXXX stated that bitcoin is not currency, it is property. In the case, they referred to the Texas Department of Banking Memorandum and they stated ( " Exchange of cryptocurrency for sovereign currency between two parties is not money transmission. This is essentially the sale of goods between two parties. The seller gives units of cryptocurrency to the buyer, who pays the seller directly with sovereign currency. The seller does not receive the sovereign currency in exchange for a promise to make it available at a later time or different location. " ). The final ruling was ( " Counts 2 & 3 Should Also Be Dismissed as Bitcoin do Not Fall Within the Definition of " Financial Transaction '' or " Monetary Instruments, '' ). In the AUP and all of their legal documents they never classify bitcoin as currency. I have been debating this with them for the past 2 months and their response is " We see it as currency ''. The contract I signed did not state that and I believe that they have breached our agreement. After all of this happened some of the accounts that had paid us turned out to be hacked and subsequently issued charge backs resulting in a negative balance of XXXX dollars. PayPal went so far as to reverse outgoing transfers to my bank. My take on this is that they have breached our agreement and have had a security breach on their end and want me to pay for it. Additionally this has inhibited my ability to operate my business as well as causing other personal losses. 

Reversed Transactions : XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX Total : XXXX I have receipts that can be verified through the block chain as well as logs from the site verifying the transactions. The currency has a very high value tied to it so I lost all of the roughly XXXX dollars I started with as well. Some of the transactions even had police reports attached because it is technically property theft. PayPal ignored all of this and reversed the payments. 

I have done everything in my power to reason with PayPal and rectify the misunderstanding. I have so far called their support line and talked to various PayPal executives to no avail. 

Any assistance you can render in this would be greatly appreciated.
Consumer complaint received 2018-06-23
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. (NY)

I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (NJ)

On XX/XX/XXXX I had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$12000.00} and I also attached proof of payment in the email. I requested MLD Mortgage Inc. to refund the real estate tax I had paid myself because MLD Mortgage Inc didn't have to pay it from my escrow account. I had also repeatedly made phone calls to request the refund, but nothing was being done.On XX/XX/XXXX I was told that the tax refund would be sent out in a week. As of XX/XX/XXXX I checked my escrow balance, MLD Mortgage Inc. has not refunded any extra escrow money.