davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had a problem with my checking account as a result of my purse being stolen, along with my check book and sensitive financial paperwork. As a result, I contacted SLS and the representative XXXX suggested I make my payment by XXXX and cancel the scheduled payment I had set up from my checking account. The payment was scheduled for XX/XX/2017. XXXX cancelled the payment & I made a XXXX payment on XX/XX/2017. However SLS still processed the previously canceled bank draft. I received a letter from SLS indicating that I now had an additional NSF on my account. If I get one more I will be banned from check payments for 6 months. This is their mistake, I cancelled the draft, on their recommendation, well before the scheduled payment.
Consumer complaint received 2020-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has been reporting an account on my credit profile for a few years now. Since 2018 Ive been trying to receive debt verification from this company. They dont send physical proof of debt verification but continues to update to all reports as verified. How? This year alone, Ive mailed certified letters trying to get debt verification or deletion of account from all three credit bureaus. Ive used third party credit repair companies to contact Capital One ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Ive emailed the CEO XXXX XXXX at two emails 1. XXXX and 2. XXXX. All attempts to contact Capital One have led to no response whatsoever to debt verification requests or deletion of this account to credit bureaus.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

In XX/XX/XXXX I got a negative {$990.00} dollars in my PayPal money wallet without any explanations and I called about it. They told me that it was a charge-back made by PayPal MasterCard. I gave them a copy of their logged activity from XX/XX/XXXX through XX/XX/XXXX and the next day in XX/XX/XXXX I was again given another charge-back of the same amount in my money wallet. 

The charge-backs in question had to do about two charges that I requested a refund and was honored to received them from the merchant. I thought this case was closed and I contacted PayPal Mastercard ( XXXX ) and made a complaint with CFPB about it under case XXXX in XX/XX/XXXX. They showed me that indeed they gave me an additional credit and therefore I agreed to pay them for the additional credit given to me in XX/XX/XXXX and that was paid in XX/XX/XXXX. Please referred to the letter sent by XXXX and the statements I submitted in this complaint. 

This should have resolved this issue but PayPal did not remove the second negative amount from my money wallet. I called PayPal about it and was told by their agent XXXX in XX/XX/XXXX that she was going send a request to remove the second negative {$990.00} from my money wallet because it was made in error and she gave me Ticket # XXXX as a reference. 

I waited for a week to passed and found my money wallet still with a negative amount. I must emphasize that I had {$33.00} before they issue two charge-backs into my money wallet. The negative amount that is in my money wallet is still {$960.00}. 

After calling many times they finally paid me {$990.00} in XX/XX/XXXX but they did not put into my money wallet. I can see it recorded in the Activity Log. 

I am formally requesting that they reverse this negative {$990.00} from my money wallet that was made in error by explaining correctly what happened in detail because what they have and tried to correct still confuses them. I will submit two screen shots of prove that they are erroneously trying to fix this accountability that is plainly explained by XXXX XXXX  and the statements I provided. 

I am attaching XXXX XXXX  'XXXX  letter and the statements that recorded the transaction in questions. 

Also, I must add that I have contacted the merchant to help me by providing me proof that he did made the refunds because in the statements it will show that the credits given to me did not have the name of the merchant but PayPal instead. He has not responded and told me that to bother him. This will make me believe that PayPal inadvertently did not let the merchant pay the refund because they found out that I contacted XXXX about it and that they gave me credit and therefore the merchant did not pay any refund and now PayPal is trying to force it out of me. This can not be tolerated. 

You must contact the merchant. His contact information is : XXXX XXXX XXXX XXXX XXXX   XXXX http : /XXXX XXXXXXXX XXXX
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: Experian Information Solutions Inc. (FL)

I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background information?
Consumer complaint received 2022-04-08
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. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2020-08-31
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: ACIMA CREDIT, LLC (TX)

I constantly reported to XXXX  that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at XXXX  said that they can't put late payments on a collection when there was no agreement to pay.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my consumer report and saw a bunch of credit inquiries I do not recognize. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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. (CA)

I was victim of identity theft so I called experienced to dispute some fraudulent activity in my report on XX/XX/2020. I also froze my account at that time. Then on XX/XX/2020 I got an email saying that my email had changed in my account. I was the. Locked out of my account. I replied to the email that was sent and told them I had not changed my email but never received a reply back. I tried calling Experian on XXXX and was told the security questions I gave them were not correct and they could not access my account for three days. Then I was sent to fraud department who said they could not help me with identity information that was membership problem. The person was rude and hung up on me. I called again and spoke to someone else I to clarify information on my credit report but he could not get because someone changed my pin on my membership and freeze. I had to send in a letter. I believe this is an inside job with employees and must be investigated.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

Out of the blue I received a debt collection notice saying they were collecting debt of {$710.00} for a XXXX XXXX  which I have no idea what it was and was never notified of. I replied with written notification disputing the debt and demand of supporting documentation ( as the debt collection simply stated a total due with no supporting documentation ) but received no supporting documentation or verification.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (IA)

About 3Q XX/XX/XXXX PNC changed the mechanism and policies related to linking accounts with other banks and financial services such as XXXX XXXX, XXXX XXXX, and XXXX. The procedure for linking accounts requires a mobile phone number. Some mobile phone providers and virtual mobile phones such as XXXX XXXX do not support the SMS messages required by PNC. Other financial institutions with similar requirements appear to support XXXX XXXX numbers and 3rd party mobil phone providers. PNC 's limitations make it difficult for some people who do not use a phone network they support. Furthermore, ( though this is probably a separate issue ) today ( XX/XX/XXXX ) XXXX XXXX was unable to link accounts with PNC even after resolving the issue with mobile phone verification process.
Consumer complaint received 2021-06-03
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: FC HoldCo LLC (NY)

On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time I didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc (MN)

I had 2 separate accounts show up on my credit report owned by National Service Bureau. One for {$110.00} and one for {$1100.00}. 

I disupted them with XXXX and XXXX  as they were not my debt and I did not recognize them. XXXX  removed it immediately but XXXX has ruled twice that it is my debt. 

I called the original creditor and collection agency and found out someone used my identity to receive healthcare in Utah on XX/XX/2019 and they think it was me. 

I live in Minnesota and have for well over a decade. I have not been to Utah in years and it was not me. I have informed XXXX  XXXX XXXX  XXXX, Nation Service Bureau and XXXX.

They can not have any proof that it was me yet XXXX  has ruled twice that it is my debt and im feeling like there is nothing I can do. I have asked the XXXX  XXXX XXXX  XXXX to dispute it in their system but it would be easiest for XXXX  to remove this since they cant have any proof that it is my debt.
Consumer complaint received 2020-06-02
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: CORELOGIC INC (OH)

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 VS 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 I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.
Consumer complaint received 2021-04-08
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. (TX)

XXXX  ; Experian and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (KY)

I received a Perkins loan during my XXXX studies for {$1400.00}. I graduated in XX/XX/2020, and have been receiving paper reminders of the due date for the first payment for several months, which was supposedly in XXXX. I received my XXXX bill and paid {$100.00} on the loan ( the amount due was {$40.00} ) which is shown on my payment history with a date of XX/XX/XXXX. Shortly thereafter, I received a letter from XXXX stating that I would no longer be receiving bills from them for the time being due to pandemic and that they were placing my loans in forbearance. Since I am no longer receiving bills, I now have to either send them a loose paper check or money order with no accompanying billing slip, which is extremely unsafe, or pay online via ACH, debit, or credit, for which they charge ridiculous and unnecessary processing fees. I would like to add that interest is still accruing during this period, so I am essentially being forced to pay an extra fee to pay my student loan bill or face the accrual of extra outstanding interest under the guise of XXXX relief. The method with the cheapest processing fee I was able to choose is {$1.00} to pay from my checking account via ACH, as the other options included fees that were 3.95 % of the total plus {$1.00}. This practice is absolutely unacceptable and I am surprised this company has been allowed to do this unchecked.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2021-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Over the course of several months, I have sent over twice the money to pay my monthly mortgage. Freedom Mortgage has continued to apply the additional monies to the next month 's payment. Depriving me of my right to pay off my mortgage quicker and according to the instructions I have provided to customer service through emails and phone conversations. I have sent several emails requesting the extra monies be applied directly to the principal. Each time after payment, I must call or email them to have the adjustment made to my account. It seems I am being penalized for extra payments.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper on XXXX through their computer system is claiming we do not have homeowner insurance coverage. This is incorrect. After waiting on the phone for a long time we we dropped once the first agent transferred us to the insurance team. We do have coverage and Mr. Cooper is in possession of policy documents.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

i REQUESTED A 2ND CREDIT CARD FROM CAPITAL ONE. THEY THEN RESTRICTED MY 1 ACCT AND THE 2ND CREDIT CARD FOR FRAUD. I HAVE SENT THEM FRONT AND BACK ID, SOCIAL SECURITY CARD, STATEMENT FROM MY BANK WITH A NAME SHOWING MY CHECKING ACCT # AND ROUTING NUMBER WITH MY NAME AND ADDRESS. BLANK CHECK FOR DIRECT DEPOSIT SET UP WITH ALL MY INFORMATION AND MY BANKS. I LIVE WITH MY MOTHER XXXX XXXX WHO IS A MEMBER AND HAS 4 CARDS WITH CAPITAL ONE.SHE ADVISED THEM UTILITIES ARE IN HER NAME AND LEASE AND EVERYTHING. THEY REFUSE TO UNRESTRICT MY ACCTS SINCE XXXX. THEN THEY ARE MANDATING I SEND IN IDENTIFICATION FOR 3 PEOPLE I ASKED TO BE ADDED AS AUTHORIZED USERS THAT I ASKED TO BE REMOVED AS AUTHORIZED USERS JUST SO THEY CAN REMOVE THEM. THIS WAS ESCALATED MONTHS AGO DUE TO COMPLAINT WITH CFPB AND THEY STILL DID NOTHING TO RECTIFY THIS. I HAVENT BEEN ABLE TO USE THE OLD CREDIT CARD ACCT AND NEW CREDIT CARD ACCT SINCE BEFORE XX/XX/2021. THEN THEY CLOSED THE ACCT WITHOUT MY PERMISSION AND LEFT THE ORIGINAL ACCT RESTRICTED
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all XXXX credit bureaus, XXXX, XXXX  and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. 

Sincerely, XXXX XXXX