davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (OH)

I opened a credit card account with Self lender! It was opened XX/XX/XXXX! I got my card XX/XX/XXXX! According to their billing cycle! All payment must be made by the XXXX or end of the month! That means in XXXX they will report what happen in XXXX! XX/XX/XXXX I had my card almost paid in full! XX/XX/XXXX they reported the card my the way it was supposed to XXXX dollars owed with a limit of XXXX! On XX/XX/XXXX they reported again and back tracked the information! Saying the card was XXXX owed with a limit of XXXX! Making my account looked maxed out! I disputed the fact and they still verify a maxed out card! I have not used the card and paid the XXXX dollars even before XX/XX/XXXX! Everything should be a XXXX balance! I lost 34 points because of it! XX/XX/XXXX! They reported the same thing again! They are sending the 3 bureaus different information and refuse to do the right thing! Its all in Black and white and I cant get them to respond! I disputed it again and they verify another lie on my credit! XXXX  says on thing then XXXX  says another and XXXX  is wrong too! Ive made a complaint to the XXXX   and my mortgage lender see the mistake as will!
Consumer complaint received 2017-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

Dear Representative, On X/X/2017 I called this servicer and spoke to : XXXX XXXX with no call backs concerning the Modification application submitted. Was told that it would be uploaded into their system and he would call back on X/X/2017 @ XXXX XXXX. Since then I have left several messages and no follow through by the servicer concerning this matter.
This is unethical and unprofessional. I need a call back soon. Also, need to know were to make the payments to them or XXXX XXXX XXXX. Who is servicing the account?
XXXX seems not to be aware of the account so we need to clear these issues up!
Respectfully yours, XXXX
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am having difficulty trying to file for a credit card or to receive a credit card due to that I have a XXXX brother with the same last name and same first but our middle names are different. our social security numbers are different by XXXX digit cause we were born XXXX as XXXX. XXXX are XXXX individual people, not XXXX person. When trying to file for a credit card, the credit bureau 's see XXXX different social security numbers but when they see the same first and last name, everything is refered back to XXXX person and only being XXXX person since having the same names but the system ca n't detect a XXXX digit difference in social security numbers. The United States XXXX can Identify XXXX separate human beings with XXXX different social security numbers and see the complete name, first, middle and last, they do n't see only first and last name. This problem has been going on for the last 7 years and yet to this day credit bureau 's have not identified or tried to prevent these kind of situations believing that XXXX people with the same fist and last name but XXXX digit difference in social security is still only XXXX person. Were both veterans, we have XXXX different XXXX discharge papers, both identifying both of us as XXXX different people. I hope that the system is n't discriminating towards Hispanics that have identical names but yet XXXX different social security numbers.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX ACCOUNT # XXXX is reporting as a delinquent student loan account across all 3 bureaus experian, XXXX and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX in XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.
Consumer complaint received 2015-05-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AURORA FINANCIAL GROUP INC (NJ)

I was approved for a mortgage loan we found a house we loved everything was rolling into place paid out of my pocket {$1500.00} for inspections then was still told everything was good still with my loan then I put out another {$500.00} for a hot water heater that needed to be installed cause the water heater failed inspection. Everything was still approved had the go ahead from mortgage broker so my realtor was trying to schedule a closing date with my mortgage company. It was then at this time the Mortgage broker XXXX XXXX contacted my realtor and said it was n't going to fly that was all he said to my realtor that was in XXXX I still till this day have NOT heard from XXXX never contacted me to tell me what happened all of the sudden and why did it NOT fly when I put all this money into a house I thought was mine and my families I also called XXXX and left Several messages with him and he still has not returned any of my calls I am very upset with how XXXX XXXX from Aurora Financial group handled my loan and treated me as a customer purchasing a home.
Consumer complaint received 2015-06-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cottonwood Financial Ltd. (MD)

I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, My name is XXXX XXXX XXXX. I have supplied Experian Credit Bureau with the proper documentation such as my Driver License, Social Security Card and utilities for proof of residency to aid them in removing the fraudulent data from my file. 

To date, Experian Credit Bureau is still reporting wrong names for me, 3 unknown social security numbers and 3 fraudulent accounts. I am requesting your assistance before I take the matter to Federal Court-I don't know what else to do. 

Please See incorrect information below extracted from my credit report XXXX XXXX XXXX XXXX I don't have a middle name XXXX XXXX XXXX not my name XXXX XXXX XXXX- I don't have a middle name None of the Social Security Numbers that appear on my credit report are mine XXXX XXXX XXXX Fraudulent/Unknown Accounts- that obviously belong to the other social security numbers 1.XXXXXXXX XXXX  Account numberXXXX- Fraudulent Account 2XXXX XXXX  Account number XXXX Fraudulent Account 3. XXXX XXXX XXXX XXXX Account numberXXXX Wrong person not me 4XXXXXXXX XXXX XXXX XXXX Account number XXXX Wrong person I have not applied for credit .... the inquires have been placed in my name fraudulently XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX., XXXX XXXX Date of request XX/XX/XXXX
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously disputed with Transunion inaccurate reporting of my XXXX account. XXXX accounts were opened on the same day and they switch reporting showing a credit limit/account number change in lieu of reporting XXXX individually. I have XXXX XXXX accounts and they will report XXXX out of the XXXX alternating between the XXXX with a current limit of XXXX and the other with a current limit of XXXX, these are XXXX distinctly different accounts.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have attached XXXX documents, XXXX is a police report in which the capital one secured credit cards were part of the report as they were stolen and XXXX witnesses informed me and my partner XXXX at the time, that indeed it was capital one credit cards that were stolen from us that were used without our knowledge. I have not once been out of view of CAPITAL ONE and tried to work with them as they also put all XXXX secured card in collections, even knowing about the idenity theft. If you look at other document it contains to of the XXXX accounts, all XXXX were not only part of the idenity theft but as you see that I made a huge payment of {$220.00} on XX/XX/2012 even though the cards were stolen and I could paid the {$50.00} liablity, I paid the whole thing. My credit line was {$400.00}, {$240.00} of that was a deposit of mine. My last purchase came in on XX/XX/XXXX of under {$4.00}. If you see here obviously I closed the card around a last payment and transaction and around idenity theft robbery. But with all XXXX cards 7 months later, EVEN AFTER last purchase posting was 7 months prior, the card remainded open yet 7 months with tons of interest rates and membership fees and weird transaction rebills and then all of a sudden I owe {$360.00} on a card that I have a {$400.00} limit, {$240.00} my deposit and I made a sizeable payment at end. So, it doesnt take a scientist to figure out, several upon several FCRA regulations were broken per card. And I tried to work with them but they refused to call me, and the sent my stuff to IRS which this needs to be handled, I am more than disgusted and I am fuming. This is disgusting, and this is whats even worse, on the document with account ending in card XXXX which was the prior one I discussed, you will see an account ending in XXXX. I am gon na leave this one brief and simple you see where it says capital one said to me that the account as not a secured card. First of all I had XXXX secured cards with them, due to robbery and identity theft issues, I only could get secured cards and the credit line was {$750.00}, CAPITAL ONE does not have a {$750.00} unsecured card. Not only that I put {$600.00} down on the card as a deposit, I have asked CAPITAL ONE to show me proof that it was not a secured card and they have refused to send any proof. This is a very serious situation and needs to be handled. I am have put well over 15 hours a week or more into all this since it happened in XX/XX/2012 with the robbery and every else that happened to be responsible, this could have been prevented and with the XXXX CAPITAL ONE has broken even more FCRA regulations then the other XXXX cards. I am disgusted and want my life back and CAPITAL ONE Needs grow up.
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: OLIPHANT FINANCIAL, LLC (IL)

Was not contacted 4 years later about some private loan I supposedly took out and they are trying to collect it. I keep trying to call XXXX college but they keep giving me bogus numbers where nobody answers. I called the collection agency to get some information and they will not give me any info at all. They said call XXXX college but again this gets me nowhere with bogus numbers where noone answers or hangs up on me.
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (FL)

I was once a cryptocurrency trade on a mobile application by the name of Etoro? this company things or they can just do whatever they would please do to someone? By the means of stealing their money from them! I have been talking to this=s company Etoro for about 5 months now that my money has been missing from my or there account I should say now. That this company has kicked me to the curb with giving me back around half of my money in which was in the amount of {$13000.00} + another {$40.00} that I had initiated back into my bank account The {$13000.00} that was put back into my bank account was done without my knowledge the same as when this hypothetically say this other {$700.00} that is and has been missing from this eToro account that I once had? Throughout this whole situation of my money been missing from this account? Etoro would have these 3 individuals call me and all 3 of these individuals would  tell me that they know nothing about cryptocurrencies due to them just starting at this company? I have email after email of all the XXXX that this company has filled me with on the where an about my money is. They would even sit there and tell me that I have made money on their platform! In which is a bunch of XXXX I should have at least broke even. Then they tell me that I had around {$300.00} in trading fees in which is a bunch of XXXX due to that I did not make that many trades in this account. On top of this and you are going to think that I am crazy but yes my bank account deposits have been manipulated as well to make it look like I did not deposit as much money as I did place into this account! I HAVE PROOF! I have proof and hard proof that this company eToro has stolen money from my account. That I once used to have?? I'm most certain that you being the cfpb will not do anything to help me out this will end up the same as when someone had stolen {$12000.00} from my XXXX account to where they did the same thing to me as this company has dined to me in which is and was to shut me down by them closing my accounts??
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX was a joint automotive loan account with my ex-husband that he has missed XXXX payments since we have divorced. He has failed to remove my name from his financing, thus affecting my credit. How do I get my name off his loan info? It was ordered by our divorce decree that he take over full responsibility on the loan, yet he has not removed me from the title or loan documents.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (OR)

In XXXX I made a paypal transfer to a merchant, believing this was being correctly charged to my own account. I did not intentionally consent for PayPal Credit to take this charge. 

A couple of months later, I received a bill which is the XXXX time I was made aware that this had been charged to PayPal Credit. This was the XXXX bill I received and it included late charges. I called up and disputed this payment. I paid the full principle, but did not pay the late charge. 

Despite this, PayPal Credit continues to harrass me and add further late charges in violation of the court order on this matter XXXX civil case in Maryland XXXX. They also have taken to now calling my friends because I have blocked them. 

I believe their actions in not billing me properly ( waiting months to send a bill and _then_ adding late charges ), and continuing to add late charges despite my dispute is illegal. 

I paid everything I owed. The entire bill they claim I owe is due to their own illegal actions. 
I wish the company to acknowledge that I have paid in full, and cease harassing me. I encourage the Consumer Financial Protection Bureau to investigate as it appears that PayPal Credit is not adhering to the court order. I have attached a statement showing that they are continuing to add fees to a disputed transaction in XXXX.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (MD)

I have a Synchrony Care Credit Card I obtained at a DDS office. I was unsure what balance or credit I had available on my Synchrony card as well as my company provided XXXX card. I mentioned this to the receptionist and was told she could not provide for the XXXX card, but could get the balance available on the Synchrony Care Credit card. She proceeded to call and was given the available balance. Given that, any other card I should call about on my own behalf, would provide information only after I answer multiple pertinent questions to verify my identity. Is this legal??? I was not asked a single question and the party at Synchrony did not ask for my approval for such information to be shared with the DDS office. I called the Synchrony people to question this practice and was told, yes this is information provided to the DDS who is a vendor of services. Any dental, cosmetic service or medical provider, etc. can find out my available credit on this card with no question asked. Can this please be investigated. I will not use this card again if this is valid and/ or legal in any way!
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you