davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (TX)

I MADE A PAYMENT TO XXXX BANK, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXX BANK OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.
Consumer complaint received 2023-04-01
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} CXXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to the three bureaus regarding my personal information. Its been a 4 months since I've sent out these letters and have yet to receive any changes. Or a response from the bureaus.
Consumer complaint received 2021-07-18
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: PENTAGON FEDERAL CREDIT UNION (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

This is a follow-up to my original CFPB complaint case # XXXX. 

XX/XX/XXXX - Mohela responded to the complaint with the following resolution " You are eligible to request a refund of any payments made between XX/XX/XXXX, through an anticipated end date of XX/XX/XXXX. '' XX/XX/XXXX - I messaged Mohela on their website stating " I was notified by MOHELA that I am eligible to request a refund of payments made between XX/XX/XXXX through XX/XX/XXXX as a response to the formal complaint I submitted to the XXXXonsumer Finance Protection Bureau. I would like to request a refund of the payments I made between XXXX XXXX but first wanted to see if when the request is processed will those months remain qualified for XXXX? Please let me know how I can make the request for refund of payments. '' I was told I would receive a response within XXXX business days which I did not. 

XX/XX/XXXX - I sent a follow-up email asking for a reply and did not receive a response. I called Mohela and waited on the phone for over XXXX hours with no connection or response. 

XX/XX/XXXX - I sent another follow-up email requesting a response.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (FL)

I received a fraudulent credit card from XXXX XXXX store thru Comenity Bank on XX/XX/22. The card was opened on XX/XX/22, the same day a fraudulent XXXX card was opened. The XXXX store is # XXXX in XXXX XXXXXXXX XXXX Someone charged {$620.00} on the card. 

I live in Florida, over XXXX miles away! I reported it to Comenity Bank XX/XX/22 and to the police XX/XX/22. 

Credit Bureaus said card was never sent thru them.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been unable to determine the Past Due Payment Amount on my Capital One Account. Capital One does not indicate anywhere on the statement ( Printed or Web Portal ) the amount of the Past Due Payment. In fact in the " Payment Information '' Section on the Statement, the only information provided is the Payment Due Date, New Balance, and the Minimum Payment Due. Capital One does not indicate anywhere in the " Payment Information '' Section that the account is past due or the Past Due Payment Amount. In fact, looking at the information printed in the " Payment Information '' Section, my account appears to be " CURRENT ''. To me this is practice by Capital One is " DECEPTIVE ''.

I have had many Credit Cards in my lifetime and all the Credit Card Companies I have worked with, always indicate the Past Due Payment Amount. If Capital One would have indicated this information in the Payment Section of the Statement, I would have at least made the past-due payment amount in order to keep my account from being Reported the Credit Reporting Agencies .

Because this common information was not provided in the Payment Section or anywhere on the Capital One Statement, I have been reported delinquent to the CRA by Capital One.

Because Capital One " FAILED '' to release this information, I have been injured as a " CONSUMER ''. In my line of work, I must keep my credit report in good standing in order to renew my Profession License each year. The FAILURE of Capital One places my lively hood in JEOPARDY!!
Consumer complaint received 2021-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have further looked into this debt being reported as my debt on all three bureaus and on the three different bureaus the reporting is vet different as if someone is trying to continually make this a new debt that I will not assume as my own as it it a result of identity theft, 1 XXXX  has this debt listed as XXXX negative payments with one on time payment being made in XXXX. It is also being reported as 76 % of the debt being paid. That is not true I had no knowledge of this debt until XXXX of XXXX when I reported the identity theft on this account. 

2 XXXX  has this identity theft debt listed as 26 negative payments with 3 on time payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX again stating 76 % of this debt has been paid off. 

3. XXXX  has this identity theft debt reported as 16 negative payments with again 76 % of this false debt paid off and 4 on time payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Finally if this were a valid account belonging to me wouldnt there have been a repossession long ago?? This is identity theft and I will pursue all action necessary to remedy this situation with Credit Acceptance.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (SD)

On XX/XX/2020 I booked a hotel reservation and used my bank card to hold the room. Upon entering the room it was filthy, the bed sheets were torn, the front door would not close or lock properly, the inside adjacent door 's lock was broken off and laying next to the TV. I immediately notified the front desk. The hotel was uncooperative and showed no remorse. I was offered no refund ( albeit I did not dirty the room to cause the hotel any cost what so ever ). I disputed the charge with my bank, the one named in this complaint. The bank reached out to me and stated there is " no appropriate resolution procedure '' for hotel charges and they would not even investigate this for me. They said that hotels have a " no refunds '' policy and any dispute must be resolved with them. What this translates into is this bank will not protect its consumers funds or transactions. What happens if the motel overcharges or charges a customer by fraud? So my bank, this bank named in the complaint, will never investigate funds disputed by this hotel or similar merchants? This is very alarming and concerning a bank that picks and chooses which one of my transactions it will investigate or support. My funds or transactions are not protected by this bank.
Consumer complaint received 2022-11-16
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)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (TX)

Receivables Management Systems is violating my federally protected rights as a consumer. They have also violated many laws according to FDCPA. I have attached exhibits as proof of these violations. I do not know who these people are. The first letter looks like an edited document so this could come from anyone. In the same letter, Receivables Management Systems makes it seem as if they have some authority regarding identity theft when they do not. I do not know these people. I have made my report with the proper entities in regards to identity theft and provided each credit reporting agency the necessary documents needed for a consumer reporting agency to block information. Who are they to ask me for additional information that is not required under federal law? These letters do not prove that I owe an alleged debt nor does it show that I ever done business with them. How does an application for insurance validate or even verify an alleged debt? How is it possible for an insurance company extend credit? This makes no sense and clearly is an unlawful practice to collect a debt on something I do not owe. This needs to be removed an deleted immediately.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has filed a lawsuit against me without having a valid contract in place. I rescinded the consumer credit agreement a full month prior to the suit being filed. I had sent several payment to the company and they were ignored and/or returned. Then without notice of the intent to sue for the debt the company served me with a lawsuit.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I have a complaint about someone selling my identity to collect money and now is making me falsely accused and I want to clear my name. I am taking care of a young lady kids that is away working and the other day when she went to send the kids money to me they told her that I am on a scam list. Now I don't know how I'm suppose to be on a scam list when I don't even collect money often. The lady 's kids I take care of she only sends money every two weeks to buy food and send her kids to school. Apart from her my dad sends me money only once a year which is XX/XX/XXXX and also my baby father which is once in awhile. So please I'm asking you if you could investigate about this and make my name be cleared from this absurd foolishness please. Thank you
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I have a problem with Equifax and XXXX not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX but both Equifax and XXXX DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house. 

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both Equifax and XXXX maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by Equifax and XXXX, and most banks and mortgage companies use the " HIDDEN '' numbers from Equifax specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. 

By keeping the mortgage scores hidden, Equifax and XXXX DO NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Mr copper mortgage I paid on XX/XX/2021 as of today which is XX/XX/2021 they have taken 7 payments out of my checking account in the amount of XXXX $ each payment! My checking account is now negative XXXX $
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
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 XXXX XXXX
Consumer complaint received 2020-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am grievance with Paypal, the California-based money transfer company. 

They seized my money - and I took the legal route by going to the XXXX XXXX XXXX to settle that dispute. 
But I discovered the disaster that Paypal claims in the user agreement between us - that it stipulates that any dispute be resolved through arbitration. It did not specify a specific arbitration center to be resorted to. Therefore, the arbitration center can not start looking into the dispute unless Paypal agreed to be the arbitration center. 
I wrote to the legal department with them repeatedly, but he did not even reply to my letters, so that he missed the opportunity to resort to the arbitration center. 
According to the photos sent, the executive section of Paypal asks me to write to the legal department, but the legal department for more than a month has not answered. 
Paypal didn't just take over my money. 
Rather, Paypal is committing a bigger crime, which is that it puts in place a usage agreement that prevents clients from gaining access to legal action against it. 

You should review Paypal 's usage agreement and oblige it to specify a specific arbitration center to which clients can resort to when there is a dispute with it, not that it depends on her approval, and of course it will not answer anyone. 

I want PayPal 's legal department to write to the XXXX XXXX XXXX to agree to arbitration between us.
Consumer complaint received 2018-03-01
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: AMERICAN EXPRESS COMPANY (MI)

I worked for a company that had a company account. The company went out of business in in XX/XX/XXXX. I had a company card, and the account was with American Express. There is absolutely no contract between myself and American express. In XX/XX/XXXX, they assigned the company debt of approximately {$15000.00} to by personal credit score. I spent the next three months trying to get them to assist, consistently I was transferred, put on hold and hung up on spending more than 40 hours on  the phone. 

Finally, I disputed this 6 times through XXXX. American express rubber stamps that it is accurate and they won't assist. I call them multiple times, they say they no longer have my account and can not help. They indicate its been moved to national credit collections agency. 

I have spent over 8 hours on the phone with the XXXX XXXX XXXX XXXX. They have offered to let me buy them out at a XXXX to have it removed. I told them I would pay that to get out of this horrible nightmare, but I wanted to see the contract between Myself and American Express. Three times they sent me the card holder terms and conditions, but no contract between myself and American Express. 

I'm trying to avoid getting a lawyer and spending more money, so XXXX personnel told me I could contact you on this false negative credit issue. I had a XXXX credit score, and have never missed a payment in 20 years. I now have a XXXX score, and couldn't even finance a car. 

FINALLY, THE ACCOUNT THEY INCORRECTLY ASSIGNED TO ME WAS OPEN FOR YEARS. IT SHOWS NO HISTORY IN MY CREDIT REPORT EXCEPT WHEN THE SENT IT TO COLLECTIONS IN XX/XX/XXXX. Per the company accountant, this account was in good standing for a long period of time before they assigned it to me personally. 

Please help!
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. ()

Dear, I'm XXXX resident and opened an account on Coinbase on XX/XX/XXXX of this year after identity verification. 

Coinbase revised once my account from XXXX and after more than one month I claimed it. Without providing any more documents, on XX/XX/XXXX I could use my account. Until today they didnt reply the checking standards. 

To my surprise a couple of days ago, they blocked again my account using the same excuse. After several emails, Coinbase support informed issue resolved but in fact still not. Until today I can not use it. 

The XXXX XXXX is very changable and if the operations are delayed I may lose a lot money. I strongly beg Coinbase to inform clearly : 1- What are their standards to check accounts? 
2- How often do they check the same account?

3- How do they check accounts? Are they asking the users to provide some documents? If not, how do they revise the account? 

Hope to receive their reply asap. 

Many thanks and regards, XXXX XXXX
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NJ)

In XX/XX/XXXX, I submitted a dispute regarding incorrect information being reported on my credit report regarding late payments on my mortgage for the months of XXXX, XXXX, and XX/XX/XXXX. I was told by a PHH mortgage representative, that the situation would be corrected. This was not the case and my credit plummeted a 100 points, which caused a devastating effect on my creditworthiness. This effected my lively hood and any chances I may have had obtaining any financial freedom. I have disputed this matter with all three credit bureaus to no avail. I have documented proof that clearly shows that payments were made during the months in question.