davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

here was a XXXX video saying free XXXX  if you send it to an certain wallet address : XXXX : XXXX Contribution Address : XXXX Destination tag : XXXX Specification PAYMENT Tx hash : XXXX Date : XXXX XXXX, 2021, XXXX XXXX  XXXX XXXX  : Coinbase ( 10 ) https : //www.coinbase.com/dashboard Destination : XXXX XXXX : XXXX Amount : XXXX XRP ( XXXX XXXX XXXX I sent the XXXX not knowing it was a scam. 


I have the whole transaction and my wallet address if needed and screenshots of the website. 
Which of the following were used in this incident? ( Check all that apply. )
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FICO score modeling done by TransUnion and provided by XXXX  XXXX XXXX and others is flawed because it penalizes someone -- and says that it does -- for NOT having non-mortgage loans. My score dropped 11 points last month, from XXXX to XXXX. Here is a copy and paste of their bizarre explanation/justification, which makes absolutely no sense to anyone with 1/2 a brain : " Congratulations! You have an exceptional FICO Score, with minimal impacts from the information below. Keep up your good financial habits! 

Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a person 's credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 
Keep in mind : In general, people who purchase with an installment loan, and pay back the loan on time tend to demonstrate the ability to manage a variety of credit types. However, a new account opening, and to a lesser extent the credit inquiry associated with applying for a new account, may demonstrate higher risk in the short term. 

I don't even have a mortgage loan -- and haven't in 3 years since my mortgage was paid in full -- and my credit cards are paid in full automatically every month ; my 12 year old car was paid in full 7 years ago ; and if I wanted a new car now, I would pay cash for it because I don't have a need and don't want any bank to make money by lending me money. So why -- because I don't have an " an auto or student loan '' should I be penalized for this? Their modeling and the assumptions they make simply do not make any sense and are unfair to me and probably a whole lot of other people who don't take the time to complain to you. There is no justification for them to simply throw the entire population into the same box and form their reports for everyone using the same, very generalized criteria.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (IN)

For more than 8 months, going back to XX/XX/XXXX, I have been unable to gain my Experian credit score. Prior to that, I had a score listed at XXXX. Experian had locked me out from even accessing everything, claiming errors in my address. This can not be the justification, as not having an updated address should not deny a credit score from being provided. As it was, I walked through resetting everything with Experian in XX/XX/XXXX, and the account shows access, but no score is provided. Their default response is " Why don't I have a FICO Score? You might not have a score yet because you've never had your own credit account, you just applied for credit for the first time or you haven't used credit in the last 6 months. '' Now, regardless of whether I have used any credit for a 6 month period, I have always had a credit score before. XXXX and XXXX do not have this problem. I tried to contact Experian again, through email to generate evidence of support of the problem : Experian case number XXXX, sent on XX/XX/XXXX : Dear T* : Thank you for contacting Experian. We received your inquiry and will get back to you as soon as possible. Expect a response within 2 business days. 
For reference, your case number is XXXX. 
If youd like more information in the meantime, visit our Help Center : https : //usa.experian.com/member/help-center. 
Sincerely, Your Team at Experian... 
On XX/XX/XXXX, a response was forwarded to me from Experian on the case : Dear T*, Thank you for contacting Experian. I understand your concern how important your score for you and would be happy to assist you. 
Your score may not be available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over 100 accounts on it A creditor has reported you as deceased " No activity reported to bureau within past 6 months, does not include disputed information '' If you think there is an error in your credit report, you can file a dispute : https : //www.experian.com/disputes/main.html. 
You may learn more about credit at https : //www.experian.com/blogs/ask-experian/. 
I hope this information has been helpful. We hope you have a wonderful day. 
Thank you for choosing Experian. 
Sincerely, XXXX XXXX. 
Your Team at Experian -- - Clearly there are problems here, since there is no way I should not have a credit score with more than 35 years of credit history behind me. I am XXXX XXXX XXXX. After dealing with this for an extended period of time, with multiple failures on Experians part to provide an accurate credit score for me, I wish to file a formal complaint to help rectify this.
Consumer complaint received 2020-05-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NJ)

On XX/XX/XXXX, Midwest recovery placed a payday loan on my account for XXXXdollars. It was from XXXX XXXX. Stated the debt from XXXX and will go away in XX/XX/XXXX. This is a fraudulent account, I did not apply for a payday loan and all of there information about myself is from a previous account, they had my current information from. This account I paid them but they kept taking money from my account and I contacted the XXXX. The other account was deleted from my report, the next day XXXX XXXX a payday loan was on my credit report. This company is changing dates and adding Information to collect money. Now I'm afraid my information is gone to be added to numerous accounts they have for other people. I have not applied for XXXX XXXX in XXXX, and When I tried contacting XXXX they had no record of the account either. Told me they might of changed the person and dates but nothing they can do. MIDWEST is trying to scam me out of my money. It's quite odd the XXXX made them delete a account I was paying on. This is why they had my information. I gave them my personal information cause of a previous account. But they kept trying to collect money, and add more money to a debt after the debt was paid. This is how they had my current address and phone number. Then the next day the company put a fraud account was placed on my credit. This company needs to be stopped. I dont want them to keep adding accounts to my credit. And this keeps happening, since they have my information on file. They want to collect on a account that is not mine. You can see in XXXX I did not apply for any payday loans. New Jerseyis one of those sixteen states in the United States of America that have completely banned payday lending. As per New Jersey payday loan laws, it is a criminal offence for lenders to offer extremely high rate short term cash advances to the residents of this state.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

UPDATE ON THE HOUSING FORECLOSURE MATTER. XXXX XXXX XXXX  XXXX XXXX. AGAINST. XXXX XXXX. 
LOAN # XXXX THIS TO BRING TO YOUR ATTENTION, THE URGENCY OF OUR SITUATION. XXXX XXXX XXXX  CALLED AND REQUESTED FOR A MODIFICATION. THE BANK GAVE US UP TILL THE XXXX OF XX/XX/2022 TO SUBMIT ALL THE REQUESTED PAPER WORK. MEANWHILE THE SALE IS THE XXXX XX/XX/2022. SO THE BANK NEED TO MOVE THE SALE DATE TO ALLOW TIME TO COMPLETE THE MODIFICATION .WE ARE SOLICITING THE YOUR OFFICE TO COMPEL THE BANK TO EXTEND THE LAW DATE TO XXXX. IN HOPE THAT YOUR OFFICE WILL INTERVENE. THANKS IN ANTICIPATION. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Connecticut XXXX.
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (PA)

There was a previous company which reported XXXX XXXX on my credit report.. It was proven that the account was not mine, and was removed off of my credit report. Another company is now reporting the same account that was previously proven to not be mine, and Experian refuses to do their job properly and remove it. This account was removed the first time, and now that another company is reporting it how can it be verified as accurate.. I have nothing but problems with Experian doing their job
Consumer complaint received 2021-03-02
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (IL)

Im writing because I noticed FedLoan Servicing reported a few late payments from XX/XX/XXXX until XX/XX/XXXX of late payments on my credit report. I am requesting a goodwill adjustment to remove these late payments from my XXXX, XXXX  and XXXX  credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was a recent graduate with no job at that time.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

I received a letter from Midland Credit Management dated XX/XX/2021 that demands I pay {$7700.00}, but this debt is NOT mine. I am a victim of identity theft and have successfully disputed this debt and had it removed years ago from both credit bureaus.. 

Midland Credit Management 's letter says to pay it in full by XX/XX/2021 or I'm being sued by an attorney. 

I want them to stop harassing me for a debt that is NOT mine, that I dispute, and continue to dispute, and further that is the result of identity theft and has been already disputed many times before now. 

Further, per Midland 's own policies, because I am receiving ONLY SSD I am not subject to their collections because that's my only source of income. 

This debt is NOT mine. I want them to stop harassing and threatening me to collect a debt that is not mine.
Consumer complaint received 2020-05-01
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. (TX)

I did not make the XXXX XXXX inquiry on XX/XX/2019 and reported it as fraud to XXXX XXXX immediately and disputed the inquiry with Equifax and Equifax did not remove the dispute.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit, Inc (IL)

I went to purchase a XXXX XXXX XX/XX/2020. I had been emailing with the salesperson about the price and had been comparing prices at other dealerships. When I explained that I was considering another dealership because of a better price, I was assured that XXXX would match the incentives offered by the other dealership. At the dealership, we agreed on a selling price of a flat XXXX. We agreed on an out the door price of XXXX plus XXXX gap insurance. I put a payment of XXXX down and said I would return later in the day due to child care. When I came back and was signing the paperwork I was assured again of the price. They moved me through the process quickly because I had childcare issues. However, upon examining the paperwork a couple of days later at home, entirely different figures were on the contract. The out the door price with gap insurance was XXXX more than I had agreed on. I was lied to and cheated out of my money.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

On XX/XX/2022, PayPal fraudulently charged my checking account instead of my credit card account. 

For many months I had automatic charges made to XXXX from PayPal using the same credit card. Without any changes taken by me, nor any notice to me, PayPal started charging my checking account instead.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

XXXXof 2021 I was calling, voicemail, emailed, and stalk t SN Services to make a payment and be current on my mortgage. They lock my account online ( I could not make any form of payment with SN serving open my account, reason why I kept calling because I didnt understand why I couldnt make a payment. I did what I could to stop this foreclosure and no one responded until it was happening. I finally spoke to the lady once for her to tell me my house is in foreclosure. I was told this in XXXX. ( foreclosure started XXXX I was calling to stop it ) I could even rest my passwords unless they unlock my account. XXXX and XXXX I was calling to make payment to prevent the house going into foreclosure. She didnt respond until the house went into foreclosure causing me lawyer fees and I had to pay and get it out of foreclosure by the end of XXXX. I called and tried to make payment for 4-5 months and no one responded until it went into foreclosure XXXX. Please help me please I have the XXXX out of the XXXX.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Tennessee department of XXXX XXXX. Continue to collect on a debt. Without proving true ownership of the debt. The company report negative information on my credit report without verifying the debt. The acount was closed on my transunion report. XX/XX/2021. Because the company fails to provide the original oblation with a signature. The acount was removed and deleted from report. But company continues to collect on debt and violate section 609. ( a ) ( 1 ) ( A ). Of the fair reporting act.
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (MD)

Mariner Finance sent me a check for the amount of XXXX so I deposited it in my account. I accepted the loan and made payments, but I had no idea that interest was applied to the loan every day, I thought the interest was per year. I recently made a payment of XXXX $ out of which XXXX $ went to a late fee and XXXX $ was applied to interest. This should not be allowed to happen, this is predatory lending at its extreme and should be reported.
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. (MO)

I have constantly contested the inaccuracies in the following information with XXXX and Transunion and unfortunately, the issue remains unresolved to this day. 

XXXX : Public Record : Type : XXXX XXXX  Bankruptcy Reference # XXXX TransUnion : Public Record : Type : XXXX XXXX  Bankruptcy Reference # XXXX
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc (FL)

I SOLD a sterling pin on XXXX, was paid and product was shipped with tracking number to the address given. Paypal want to take the money back because the customer claims he never got the package. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have capital one venture card for more than 6 years. 
In XXXX and XXXX I had a lot of customers service issues. My card didnt work in most of the transactions on line. I lost several good offers. I asked to set up telephone notification for my credit transactions, but it was never done. 
My card was stolen and I requested the new card, but it was never sent to me. 
I had to request it 3 times. It was human error. Associates just forgot to order it, than to send, etc. 
But for some reason they didnt forget to charge me the annual fee, that I was sure was inappropriate to do for lack of service I received. 
I contacted with capital one executive office and I was promised to waive annual fee for 2 years : XXXX and XXXX. 
In XX/XX/XXXX I called to the customer service to make sure, that the promise will be in effect. The bank charges annual fee in XXXX. 
I got the answer that it will be waived. I repeated the question and got the same question. 
I was really surprised to see the annual fee on my XXXX statement. I called, spoke to multiple people. They refused to do anything. ( spoke to different representatives 3 times in XXXX and 5 times in XXXX ) The last person I spoke was XXXX ( spoke to him XXXX XXXX ), senior account supervisor. He hardly spoke to me. He was rude and answered all my questions like I was pulling his teeth. I asked to provide executive office adress, Tel number and email. 
He refused to provide. I asked to listen to recorded conversations, he refused it too. 
I asked him to close my credit card and return the portion of annual fee, he also refused. 
I need your help to resolve this matter.
Consumer complaint received 2020-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Yesterday, XX/XX/XXXX, I submitted a complaint to CFPB that I could not dispute my credit card transaction from my online bank. BOA requested that I call and talk to them for the dispute. My English is not good enough to speak. But I can read and write, which means I can handle online chats or messages, but not phone calls. I have disputed transactions through the BOA online bank before, and did not have to call customer service. I do not understand why I must call the BOA customer service this time. I also can not find the " send a message '' option from BOA 's message center. I think it is very inconvenient for me. So I submited a complaint to CFPB. Today my daughter received an email ( her email address is listed as a secondary contact method in the online bank 's profile ) from BOA 's XXXX XXXX, who again asked me to call her/him and talk about my complaint. I can not understand what BOA is trying to accomplish! I complained to BOA about the barriers caused by them only accepting the phone calls as the contact method, then BOA asked me to call them about my complaint. This is serious discrimination based on language. 

Thank you for your time and attention Best Regards XXXX XXXX