davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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 (KS)

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 ''
Consumer complaint received 2018-02-08
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. (IL)

Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with Capital One. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing XXXX XXXX. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to XXXX XXXX, When I called Capital one the told me to contact XXXX XXXX. When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to XXXX XXXX and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. Capital one said they don't have the account, XXXX XXXX says they do not have the account so now it's on XXXX XXXX. 

Please clear my name from my deceased husband 's account from Capitol One. Acct # ending XXXX
Consumer complaint received 2021-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have send dispute letter to TransUnion on the accounts reporting and listed in the letter and i have not received any response so i am asking the remove and delete the account after 30 days fair credit report act laws.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Lender : Carrington Mortgage Services www.carringtonms.com XXXX. XXXX  XXXX XXXX, IN XXXX Phone : XXXX Fax : XXXX For the past 6 months I've been in the process of paying extra money on the account for the sole purpose finishing off the loan. Lender only allows you to pay up to {$9900.00} online per day. So every 4 times month since XX/XX/XXXX I begin to send payments online. Every time I sent money there wasn't any problems from the lender to place payments directly into principal portion of account. Problems began after XX/XX/XXXX, after Lender received its regular monthly payment, taking out interest, principal and escrow. I made another payment on XX/XX/XXXX. Here lender took out another payment for itself of interest and escrow. Up to this date everything was fine with account, customer service stated it would take 15 days to move the money back from interest and escrow to principal. On XX/XX/XXXX money has not been added back to the account under principal. When calling customer service, there claim is that don't see anything on their computer screen. But when you look at the company account website, problem is still posted as money not returned to account. On XX/XX/XXXX regular payment plus additional to principal wasn't a problem. Payment XX/XX/XXXX additional money was added to account, went straight to principal again not a problem. Payment XX/XX/XXXX same as previous day, not a problem. Problem began on XX/XX/XXXX when account was about to be paid in full, after you add escrow to account and the extra interest charge on XX/XX/XXXX statement from XX/XX/XXXX of {$250.00}. Carrington took the last payment of {$9300.00} and split it 7 times on XX/XX/XXXX. Carrington took interest payments 7 times and 7 times of escrow payments from 1 days extra payment after receiving regular monthly payment. Customer service blames me the customer for paying down debt on the loan. Carrington website doesn't allow you to allocate money directly to principal after regular monthly payment has been received. But does allow you to add money. I've been actively paying down debt since XX/XX/XXXX, making about 4-5 extra payments a month. Carrington always applied extra money directly to principal, until the loan was about to be paid off. Customer service told me that my account was extended to XX/XX/XXXX. All in the name of paying them interest on the account.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items to be deleted from my credit report at your earliest convenience. 

Inquiry : XXXX XXXX XXXX  ( XX/XX/2021 )
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

The XXXX  XXXX servicing was where all my loans went thru. The first part was while i was attending the XXXX XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove XXXX XXXX XXXX account from my personal credit file.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (IN)

Hello, I applied for and was given a loan of XXXX in XX/XX/XXXX with Avant , LLC. The rates and terms were better than hard money lenders I had come across while looking for funds to complete a rehab after running out of cash. My credit is NOT bad as I have PERFECT repayment history, low balances, and a good mix of creditors. I paid this loan off in 8 months, on XX/XX/XXXX. This company falsely reported my XX/XX/XXXX and XX/XX/XXXX payments as late which is absolutely incorrect, costing me 34 points on my credit due to some sort of computer glitch. Of course, there is no one that I can speak to that is able to solve this matter expeditiously. I am currently working with a bank to purchase a house and this has set me back horribly.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon examining my updates, fallacious information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as inaccurate information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX - XXXX Date:XXXX
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (HI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER ( Original creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (WA)

On several occasions when I have made payments the company had taken the payments and applied most of the money to the interest and almost none of it to the principal. When I discovered this I asked them why and they wouldnt give me a clear answer, said that they would apply the money as they saw fit. I raised several objections and let them know that I was aware that thier transaction application was illegal and they were misapplying the funds deliberately turning my loan upside down and I wanted to know why. Again I got no answers. Time and again I have tried to work with this company but I seem to keep falling behind in payments somehow and fees are constantly being racked on that I dont know where they are coming from and addition money is always being asked that I pay but once again I dont know for what. Now Im so upside down on the loan that I cant trade in the car and I dont know how to get out from underneath it!!!!!! The dates are too numerous to list and I can tell you that the conversations with them are daily a least two or three times a day, and I usually dont know its them thats calling because their phone comes up with names like XXXX XXXX or some unknown business.
Consumer complaint received 2023-01-18
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. (KY)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2021-11-09
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, COMENITYBANKXXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHNX FINAN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-03-15
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: Diversified Consultants, Inc. (NV)

On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX profile, it stated that a collection account was added to my credit report and that Diversified Consultants flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (VA)

I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.
Consumer complaint received 2023-04-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-29
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. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account deleted or updated.

This is the item I demanding to be deleted immediately 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX XXXX : XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2020-01-22
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: Bread Financial Holdings, Inc. (MI)

Today is XX/XX/XXXX. I just called Comenity Bank asking them where the check is they notified CFPB about. After being transferred 5x, having to hang up and call back to repeat the process, the end result was a manager of the department getting rude with me, talking over me, stating, " I don't care what the response to CFPB was, we have cancelled the payment of XXXX and the check you already got for {$120.00} is all you're getting! '' In addition, the account is NOT closed to XXXX  for XXXX. The refunds they are sending me are being added back to the balance and the account is not closed despite their letters. 

Please re-open XXXX as their response is an out right LIE to you and to me. They have NOT sent me the check for XXXX -- they've in fact cancelled it. The letter dated XX/XX/XXXX showing they found the account for XXXX Fraudulent and set to XXXX and they would be contacting the bureaus to update this information -- they now tell me it is null and void -- doesn't exist. 

This company does not know what they are talking about. I have asked for original contract, proof of physical signature, recording by audio/phone of me asking for a line of credit and they refuse to send it to me. I don't need statements. I need what I am asking for!