davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX 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 2017-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

CFPB Consumer Financial Protection Bureau Date : XX/XX/XXXX What happened? In XX/XX/XXXX we closed on our home. We were offered a mortgage payment that fit our budget and moved forward with the purchase of our home. In XX/XX/XXXX we were notified that our house payment would increase by 39 % due to what the mortgage company referred to an escrow shortage. I am familiar with what I would call a normal and explainable increase in taxes and/or insurance that could make the mortgage payment go up or down but not by 39 % for one year and then, for the life of the loan 16 % which would now make our home unaffordable. It is most likely, had these numbers be accurate from the point of origination of the loan, we would have not qualified! 
I believe the mortgage company and/or the servicing company is not being honest with the mistake that was made at the origination point of our loan. This mistake was through no fault of our own and has jeopardized us being able to keep our home! We have lived in our home less than one year and find ourselves in an awful position. We moved from our home of 15 years, moved our kids and established new neighbors and friends. This has created an unbelievable amount of financial stress for my family with no explanation from either the mortgage company or the servicing company as to why such a large increase? I would like to believe that someone made an honest mistake but Im left to believe that this mistake was intentional, fraudulent and predatory in nature. Our finances are suffering ; credit worthiness is dropping because of someone else mistake. Your attention in this matter is appreciated. Sincerely, XXXX XXXX
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. Thank you so much.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I can not access my Capital One account. I'm an American citizen but I am not currently in the US due to the coronavirus pandemic. I don't have access to a US phone number.

Capital One requires me to have access to a US phone number to access their account. I do not have access to a US phone number. I do not want to download a third-party app to access my account. Moreover, I have tried this in the past and Capital One did not accept me using an app from a third party to get a phone number. No other financial account requires me to have a US phone number to log in to an account. I can receive access either by verifying my email, SSN, or occasionally calling if I get locked out. This is true across multiple banks, credit unions, retirement accounts, and other credit card companies. Capital One is the only financial institution that puts up this artificial barrier.

This is a recent change in the past 30 days since I last paid my bill. Previously, I had the option to : verify with email ; verify with the APP ; answer security questions ; call the phone number to get access.

Now, the only way I can access my account is if I call the number. I can not log in to my account at all. They will not email me my statement, nor will they mail the statement to me because I'm not in the US. The only way I can access my credit card statements now is if I call the phone number and have them read each charge to me. I think this is unacceptable and is an excellent way for credit card fraud to go undetected because I can't physically read my statements to keep track of the numbers. Moreover, when someone tried to tell me account numbers over the phone today, they made an error in stating how much is currently charged on my account. I'm also concerned that Capital One will charge me late fees because I can't view account statements and I might miss payments because they refuse to provide me with papers regarding my credit card bills or provide me access to my account. 

Capital One billed me {$59.00} in early XXXX for the annual fee. I would like to cancel my Capital One account and have the unused portion of my fee refunded. I think this is fair because they changed the terms of the service, rendering it unusable and highly unsafe. I do not want to pay for a service I am physically unable to use that compromises my personal data and financial security. Capital One refuses to refund any portion of the funds. 

I am asking for help to either ( 1 ) receive full access to my Capital One account without the requirement of having a US-based phone number ; or ( 2 ) receive a refund of {$50.00}, which covers the 10 months of the year that I pre-paid for their service but am unable to utilize it. Unfortunately, I can't access any of the documents because I am unable to log in to my account, due to Capital One 's recently changed policies. 

Thank you, XXXX
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK (CA)

On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/2021 I applied for a credit application with Navy Federal and was denied based on my credit score and income. I am the natural person and original creditor as defined under 15 USC 1602 ( g ). I'm confused how Navy Federal can deny me from my own credit. When 12 1431 states that the powers and duties of banks is to borrow not loan money. Navy Federal borrows money from the Federal Reserve with the authorization of my social security card and signature. They do not have the authority to deny me credit based on the notion that they are not the creditor and the credit doesn't come directly from them. I demand Navy Federal approve my credit application.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (CA)

I have received multiple call from this company regarding several charged off credit cards I have. I talked to a rep and told them i am in the process of filing bankruptcy. The person was very rude. I said please do not call me again. And yesterday i got a call @ work. Actually it was left on a voicemail that didnt belong to me. They have also disclosed information about trying to collect on my cell phone which doesnt id me and used by someone other then myself. This message was left on a general mailbox which specifically asked for me. And it was an autodialer. I want this stopped or i will file a lawsuit for an fdcpa violation.
Consumer complaint received 2017-08-18
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. (WA)

I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX acct # xxxxxxxxxxxx XXXX Reported Balance {$420.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$220.00} XXXX ) XXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$2900.00} XXXX ) US DEPT OF ED/XXXX  Account Number XXXX XXXX Reported Balance {$26000.00} XXXX ) US DEPT OF ED/XXXX  Account Number XXXX XXXX Reported Balance {$34000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 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  Account XXXX XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXXY Account Number xxxxxx XXXX Amount {$1800.00} XXXX ) XXXX XXXX  Account Number xxxxxx XXXX Amount {$3200.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I sent XXXX XXXX XXXX {$2500.00} to assist me with maintaining my home and instead, I lost it and XXXX XXXX XXXX took my money. Nobody ever sent me anything even though it was a giant scam.
Consumer complaint received 2017-08-21
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: Experian Information Solutions Inc. (NJ)

# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all  this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account Number : 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 XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-06
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 is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (NY)

I fell behind on my loan and it was charged off. I contacted the company and got current with my payments, I was told since the loan was charged off I would no longer have any interest charges. A few months later I started to notice fees being attached to my monthly amount due. I called the company to inquire I was told it was a late fee so paid it, the following month the fee appeared again on my bill, I called right away but was told that I was now. Being charged interest and the will be on each bill even when paid on time. This is simply not fear but I continue to pay the fee to avoid adverse affects to my credit but it is still negatively affecting my score.
Consumer complaint received 2017-10-17
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. (LA)

On XX/XX/XXXX I settled this account has co signer with XXXX  XXXX with a payment amount of {$1000.00} as agreed by the bank a supervisor name XXXX and representative named XXXX at XXXX intheir headquarters location. 
I paid with my XXXX XXXX account and they stated XXXX and XXXX floor supervisors that all credit Bureaus will be updated within 30 days! 

They have been falsely lying since XX/XX/XXXX the date I paid stating the I still old money after I paid them and have receipts, confirmation number, and 100 % proof of payment! 
And keep XXXX my disputes with the three major credit bureaus. 

They lie, over charged me while making payments before I paid them Out and these wrong information corrected immediately.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CO)

I drop a broad at work and call in to say I mite miss a payment.. That sat. I open my mail and there was a foreclose letter and a mortgage to? this is us bank they have took my credit and made it so I ca n't get a loan or reference my house which I been in for five years or more.I have never miss a payment till now they will not take a payment at all even the full amount.
Consumer complaint received 2021-06-24
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I had an account with XXXX XXXX and singed a two year contract. After five years I cancelled the contract, be fore canceling I called a representative at XXXX XXXX and they insured me their was no penalty for canceling. I never renewed or agreed to renew my contract. Shortly after that they sent me a bill for XXXX. I have made several phone calls to XXXX XXXX. They can not justify the billing.. In spite of this they turned the matter over to a collection agency and filled a negative claim to credit reporting agencies. I have contacted them buy phone and by mail, and they still have a claim against me. .
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (TN)

Greensky services the accounts procurred by XXXX by XXXX of XXXX. 

Three weeks prior to work scheduled XX/XX/XXXX I tried numerous times to contact XXXX by XXXX by phone and email to reschedule work. 

The week of XX/XX/XXXX, XXXX by XXXX did not return my calls or emails. I called Greensky , LLC on Saturday, XXXX XXXX, explaining that because of impending XXXX, I had to adjust date. Greensky advised me to continue to try to contact XXXX by XXXX to have them credit me for the invoice for the work which had not yet been done. 

When I could not reach XXXX by XXXX, Greensky put a block on future payments to XXXX by XXXX. 

The block was put in place by Greensky supervisor XXXX on XX/XX/XXXX. 

XXXX by XXXX finally responded after the block was in place and tried to put me through to their credit manager, XXXX, who did not answer or return my calls. 

The voicemail that I was patched through twice did not identify as XXXX. 

I called XXXX back at Greensky with this update who said she would give XXXX until Monday, XX/XX/XXXX to cancel transaction. 

At XXXX, XX/XX/XXXX, the original salesman, XXXX, called me, but would not provide the remedy suggested by Greensky which was to credit me for the invoice for work not performed. 

Needless to say, I do not have much confidence in XXXX By XXXX which is supported by Greensky. 

It is also distressing to see that this company has over one million complaints documented here