davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
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. (FL)

First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to XXXX  yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or about XX/XX/XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX ) came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FirstPoint Collection Resources (NC)

There is a XXXX XXXX XXXX that is very old. We have tried to get that off of XXXX, XXXX and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from XXXX. 

Also, It is bringing the score down. We tried to get a lower interest rate, but XXXX keeps this on there. 

There is also a Collections from First Point Collection from XXXX. We have tried to get this off, because we never received a bill from XXXX. First Point Collections keeps that on there. It is not ours. This is {$180.00}.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Applied for special Amazon PRIME visa signature card to get the discounts. I spend thousands of dollar annually and deserve this discount card. 
Chase bank lied about my credit profile. I ran may credit report and have NO late payments, All credit cards are paid on time. Balances in line. No Adverse factors. 
Have a public record which cleared 10 years ago, and have XXXX credit score per their letter. Chase is discriminating against me because of by age. Please advise next course of action.
Consumer complaint received 2021-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I refinanced my home with Amerisave on XX/XX/2020. The process took well over 90 days. At the beginning we were given an esimated closing cost of {$12000.00}. When we finally closed on the loan, the fees went up to {$13000.00}. The additional cost was due to the interest rate extension. 

During this process the bank asked us over and over again for the same documents which we provided in a timely manner. They switched loan officers and underwriters several times delaying the review of our file. WE SHOULD NEVER OF PAID EXTRA FOR THE RATE EXTENSION. I am filing this complaint today to get my money back. They owe us {$780.00}, plus they rolled it into the morgage which means we'll pay interest. They baited and switched us, delayed the financing of our home and cost us additional interest with our other banks. We were told the process takes between 30-45 days, with 60 days being worst case scenerio. They kept blaming my self-employment status for the delays. I know several other self-employed that closed on a timely manner with other banks.
Consumer complaint received 2020-04-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I have contacted Mr. XXXX XXXX the CEO of Shellpoint regarding the issue with my insurance check. I am hoping this will be the last step I have to take in order to get the check signed and returned to me. I am so thankful that i will never have to deal with these people again.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal authorized a three year auto-renewal to a magazine subscription. When I disputed the transaction, they supported the merchant and paid the debit. I explained that the auto renewal was from three years ago and is automatically put on the account. The magazine did not notify me of the auto renewal prior to debiting my account. I was not aware it was on auto-renewal. 

It was my understanding that PayPal protected their customers from deceptive activity as any merchant can say the account was on auto renewal. 

They provided me no evidence I agreed to the auto-renewal, but gave me a PO box to write to if I wanted it. Now I have to send another written request to gain access to their evidence?!
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX Trustee for XXXX XXXX ( was XXXX  XXXX XXXX then XXXX ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from Equifax saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent permanent XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been XXXX years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.
Consumer complaint received 2018-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (VA)

This summer my family will rent a vacation home in XXXX XXXX for a week. The home owner asked me to pay via PayPal, and I happily agreed to do so. I have been a PayPal account holder since 2012, and primarily use the account to safely process online payments, and occasionally to send or receive money from family and friends. 

For the first time ever, when I tried to send money via PayPal to the home owner, PayPal asked for both my social security number and my date of birth. I could not bypass this. I tried to continue the transaction online without any of this information, and then without my social security number but with my date of birth. PayPal would not allow me to move forward. 

I called the PayPal customer service line, for which I had to receive a special one-use-only code. The customer service representative, whose name was XXXX, at first insisted that PayPal never asks for SSNs and said that she thought I was at a phishing site. XXXX patiently walked me through attempting to process the transaction through a different browser and then through a different device. In order to even begin the transaction on my mobile phone, PayPal first texted me another one-use-only authorization code. ( Clearly, they understand and use additional verification methods. ) Yet, the service continued to request both SSN and date of birth in order to make the payment. Finally, XXXX put me on hold to consult someone. Apparently this person informed her that, yes, PayPal DOES ask for SSNs as a form of verification in some instances. And, it *might* be bypassed if the PayPal seller sends me an invoice. 

So, I contacted the seller to request an invoice. He sent me one. When I first attempted to pay it using my PayPal account, PayPal AGAIN asked for both SSN and date of birth. Finally, I copied the link into a different browser and was able to check out as a guest.

My complaints are : First, PayPal should never ask for SSNs. It is not a bank, it is a payment service. There are other, effective ways to verify that someone is who they claim to be. Second, PayPal should ALWAYS train their customer service reps to understand when they ask for verification and why and all the possible ways in which they might accomplish verification. Third, PayPal has a reputation for never requesting an SSN, and the reputation is wrong - if they are not going to take steps to abide by their reputation by never asking for SSNs, then they should be truthful in how they represent themselves and never advertise the idea that they do not require SSNs. In fact, I checked PayPal 's terms of service and never ONCE in the document does it state that they may request a SSN. PayPal needs to stop using SSNs, and also to stop deceiving people.

( Note : I understand that PayPal does have an obligation to report certain information to the IRS and for those transactions needs taxpayer ID numbers, which may be SSNs. This situation was NOT that, not according to their own terms of service! )
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (IL)

I had my debit card stolen from me and someone charges over {XXXX} to my card. I tried to dispute the charges with American Express Serve and the declined me even after providing all valid info including a police report number and full name of the suspect.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (NY)

I have a mortgage with American Internet Mortgage Company, XXXX. During the first year of COVID-19 pandemic, I was facing a hardship and requested my mortgage payments to be held off per the American CARES act. My mortgage payments were put on hold for the period of 7 months, after which I resumed monthly payments. Since XXXX XXXX  XXXX, XXXX has kept my mortgage in their loss mitigation department. Every time that I contact XXXX loss mitigation department, they indicate that it would take 3 months for the loan to clear the loss mitigation department. It has been more than a year that the company has been communicating the same. In a XXXX XXXX, XXXX call, the company again claimed that the mortgage will clear the loss mitigation department by XXXX XXXX XXXX  XXXX at the latest. It is now XX/XX/XXXX, and the loan is still with loss mitigation department. I have been making monthly payments since XX/XX/XXXX, but unable to make online payments or set up automatic monthly deductions.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank made the decision to close the XXXX XXXX XXXX accounts. Obviously with the bankruptcy of XXXX XXXX XXXX, that in itself is not synchronys issue. 
However, arbitrarily closing the accounts with no recourse for consumers ( shift to another open line of credit ), the closing of the account DOES IN FACT affect the consumers debt to income ratio and ultimately credit score. For an act that had no fault of the consumer. The individual card holder now pays for it with higher interest rates, denial of credit etc.. UNACCEPTABLE
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, Transunion and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}
Consumer complaint received 2020-04-28
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (NY)

In early XXXX, XXXX I returned a phone call from Firstsource Advantage , LLC looking to settle a debt I owe XXXX XXXX. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to XXXX XXXX. After a discussion about what was an acceptable amount, I told the agent at Firstsource that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with XXXX XXXX. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to Firstsource as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.
Consumer complaint received 2020-04-28
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

CapitialOne has been my longest opened credit card account and had been opened for over 10 years and has a high importance on my overall credit score. I have used the account recently due to the account offering no desired benefits and have not closed the account due to its negative effect on my credit. CaptialOne closed my account on XX/XX/XXXXdue to inactivity without any warning, notice and contact attempts. This closure without notice or cause has dropped my credit score sixty three points downgrading it from " excellent '' down to " good ''. I received a Letter in the mailXX/XX/XXXX informing me of the account closure. Furthermore the letter claims the closure can not be reversed. I have called CapitalOne customer service in an attempt to reopen the account because this closure closed. They refused to reopen the account or let me speak to anyone above entry level management.