davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

i have been forbidden to ask of the results of the MAP program applied XXXX XXXX with Mr Cooper, by the attached email so I wanted to see if CFPB can help the title company that is helping me to keep my house or buy it from my XXXX, so that there is no unnecessary foreclosure. I paid the payments is just that the payments were misapplied and did not register for the last 100 months as per the prior attorney represented to the judge. The XXXX were sent to the bank by XXXX XXXX  so applying those the foreclosure could be resolved or even my mom can sell thehome to me, as I already am approved by another bank for XXXX which is more than the original loan was for, andconsideringI paid during the pendency of the trial until XXXX, the loan could have not gone over the original ammount even if it were an interest only loan. We are trying to keep the home we lived in for the last 15 years and have paid for 13 of those years until the escrow company stop allowing us to make payments
Consumer complaint received 2024-02-22
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. (GA)

I received notification from the IRS saying that someone filed taxes in my name last year. This was also done for the year of 2016. I have alerted the credit bureau but they continue to report incorrect information. They have a bankruptcy listed as well as an XXXX account that showing lates and an XXXX account, one which was closed many years ago and the other reporting 30 days late on an XXXX balance. I have disputed these items without success. I have documentation of the fraud, the letter from the bankruptcy court denying supplying any such information to the credit bureau. They are also showing incorrect personal information which I have disputed without success.
Consumer complaint received 2018-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (FL)

XXXX XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that ONLINE COLLECTIONS SERVICES Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2020-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I was on XXXX XXXX XXXX so I called us bank my lender they said I qualified for forbearance which I wouldnt have to pay for 6 months the failed to tell me it would all be due at the end of the the 6 months then right after that coved happened and my hours were reduced so I lost income. Im worried about losing my home. Under cares act I was hoping to get some kind of help or modification to my loan so I could resume normal payments being a single mother of XXXX
Consumer complaint received 2021-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Looking at my credit report with Experian I saw that XXXX credit card services is reporting my credit has significantly went up by % XXXX with my usages. I rarely use this card and that's false information. This was reported by them on XX/XX/2021. My balance has been XXXX so how can this be legit. I've got screenshots of this
Consumer complaint received 2020-06-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.
Consumer complaint received 2017-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On   XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   in   XXXX   GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Consumer complaint received 2021-04-25
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: EQUIFAX, INC. (GA)

I am contacting you regarding the Payment History portion of my Equifax credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | Student Loan | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXXk XXXX XXXX XXXX | Open Account -United States Department of Education | Student Loan | Open Account
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit reportXXXX XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

For the last 7 weeks ( and counting ) I have been trying to connect my business bank account to my PayPal account. What should be a simple task has turned into a case of unfair treatment and targeted discrimination against me for reasons I am still not aware of. I have submitted the requested XXXX business verification documents as requested by PayPal 5 tims now and yet even today I am still getting emails from PayPal requesting I submit the exact same documents again. I have tried to resolve this through their online chat platform only to be bounced around to multiple people in the same conversation who either just give me generic information or do not respond to my requests. As their customer service call centre is not accepting any incoming calls due to the COVID pandemic ( which as a professional in the OHS and Risk field struggle to understand ) I have requested more than a few times for a senior manager to contact me direct via phone to hopefully resolve this issue. Documented evidence can be provided upon request.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX U.S. Department of Education department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX   account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce
Consumer complaint received 2017-08-03
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: ENCORE CAPITAL GROUP INC. (AZ)

I requested validation of this debt multiple times ( XXXX XXXX/MIDLAND FUNDING ) has failed to produce any documentation. They havent sent my original contract showing my Apr. They tried to sue me in court this case was dismissed because they couldnt prove this debt is mines. They are in violation of the federal law by keep this on my credit
Consumer complaint received 2018-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (LA)

XXXX XXXX XXXX contacted me on XX/XX/XXXX about old credit card debt from XX/XX/XXXX. They told me they were filing a civil suit against me if I didnt pay immediately. I was told I would receive debt settlement papers in the mail with the details of what I finally agreed to after feeling like I had no other choice. I paid them {$1000.00} to get them off my back. I never received any paperwork in the mail. So I filed a dispute with my bank and a complaint with the FTC. Please do not allow this company to take any more money from anyone else. Please do not allow this company to keep my {$1000.00} that I was pressured into paying them. When you call the contact number on their website, its disconnected. Their website doesnt even look legit. Please put a stop to these people.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

On XXXX XXXX, XXXX, I sent to, Hunt & Henriques, Attorneys in Law XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA. XXXX an offer to delete my debt and I never receive any response to my request.. I have the complaint # XXXX open with CFPB XXXX/XXXX/XXXX.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I wasnt aware of the debt I owed. National Credit Systems never send a letter of validation for the debt originally credited to XXXX XXXX XXXXXXXX XXXX. The account was reported to XXXX on XX/XX/XXXX and I have yet to receive information regarding dispute rights, validity of the debt, and payment options as of XX/XX/XXXX XXXX
Consumer complaint received 2023-01-28
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. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX I sent a transfer to Binance.US from my Trust wallet in the amount of XXXX BNB. I forgot to add the memo number which is required to receive funds. I submitted a ticket and didnt hear back for 10 days. I had to reach out on XXXX to get a response. They asked me for numbers and screen shots and I sent them and still havent heard back from them. My ticket number is # XXXX. 

The customer service is non-existent. They allowed more customers to sign-up without employing enough people to cover potential issues. Having my funds not available in a reasonable amount of time is acceptable. Further, if this gets resolved they will be charging me a fee.
Consumer complaint received 2020-08-19
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 (CA)

I received the following notification from CapitalOne : During a regular account review, we noticed youve only been using a portion of your credit limit. 

To better fit your card usage, weve reduced your credit limit to $ xxxxx. 

Weve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending. 

Everything else on your account will remain the same, and well follow up with additional information by mail. 

Thanks for being a Capital One customer. 


Credit Score is impeccable, and we've never been late or defaulted in any way. We use other cards with rewards, and don't keep a balance to avoid fees. This seems like they're desperate and wanting to enslave people by scaring them into using their cards, and keeping a balance. We're not going to use their card more, but do just the opposite because of such antics. 

I think this is a predatory action taken by CapitalOne, and should be looked into. Thanks!
Consumer complaint received 2018-03-31
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: Commonwealth Financial Systems, Inc. (FL)

A 3rd party collection agency, Commonwealth Financial Systems ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC. (MN)

XXXX   XXXX   closed near my home, so I went in person to the branch in the   XXXX   XXXX   to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a   XXXX    balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am   XXXX    and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in  XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.
Consumer complaint received 2020-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC (FL)

Hello. My name is XXXX XXXX XXXX. I am a United States citizen for a very long time.. but last year of XXXX, I had to take out a Loan from a company called LoanAtLast, based in Wisconsin. Everything was very well transacted and legit. Months went by and I did not repay them and so the total balance reached a total of {$650.00}. When the pandemic hit in Early XXXX, I was not able to repay it because I was laid off from work at the time. So I kept getting calls from the company until one day, I received a very suspicious email saying I will be sued by this company and a so called attorney represented himself from that fraud email as he was using my personal information from the company LoanAtLast to represent himself and seek that compensation for my loan. Finally, I called the company and they told me that there is no such thing as an attorney ever contacting me ever and that they will never sue me BECAUSE of the pandemic and the global issues ... the " attorney '' wanted my debit card information, but when I called Loan At Last, they have already transferred my debt into a collection agency ... called XXXX. I have made my first payment to that company so I can start clearing the debt, but the attorney is representing a whole different amount owed which is obviously a scam ... 

My email : XXXX Scam email : XXXX I have contacted the original company which is LOAN AT LAST He ( the mysterious attorney needs to be investigated for fraud and scam ) needs to be seen and caught as he is asking me for personal info regarding a loan I have using my info and the company 's info! 

When the scam attorney " XXXX XXXX '' charged my card the first time, it came up as XXXX, XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX GA Maybe this is the person and his phone number RELATED TO THE SCAM! Please adress this accordingly and make him pay for what he is doing to many others! he is using the Covid-19 pandemic to his advantage. Thank you! 

Contact me for further details please : XXXX I want to help!
Consumer complaint received 2017-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

on  XX/XX/XXXX  I contacted Transunion Credit bureau after having being notified through   XXXX   XXXX   credit monitoring app I use, that my information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from   XXXX   XXXX   on   XXXX   XXXX  , 2017 &  XX/XX/XXXX ,   XXXX   XXXX     XXXX   XXXX  , 2017,  XXXX    XXXX   XXXX  , 2017 I did n't authorize. I contacted the creditors and I was informed by them to contact The credit bureaus, So I first contacted transunion on  XX/XX/XXXX  and was told I needed to contact the creditors and request the ok to delete letter from them, I was again told to contact transunion since it was fraud, so on XX/XX/XXXX I contacted them and let them know that they needed to look into this & investigate it, I was assured that it was going to be looked into. In the mean time it was recommended by another credit bureau I file a police report for fraud, so I did on Friday XX/XX/XXXX and faxed it into transunion in hopes that this would get this matter finally resolved, I then called them the same day and was told a representative they received the report and they would investigate it, I was a little leery about it, given all the back and forth, so I called back Monday XX/XX/XXXX  and was told they did n't receive the report.