davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I was charged {$29.00} for an adult phone app thru XXXX and paypal. I don't remember and want it refunded. I am unable to login to cancel. Refund me. I would like to open a dispute against this vendor. Its a fraudalent transaction. It is some scam app on XXXX. The company who took the money wont aknowledge the service or give any details. When I try to login with the email address they claim i used to sign up for the subscription, it simply says i have no account. They say to paypal and XXXX its a 3 month subscription that was cancelled. Even if i had cancelled or them I should still get at minimum a prorate refund since it was only days into the 3 month plan I was charged for. Like judge XXXX would say if it ends up on there : Its like being charged for a steak you didnt order, if you are not allowed to eat it once its paid for, then this is fraud if you dont refund the merchant. I can not be charged for an entire steak if I didnt order it and didnt eat it. I should get my money back here. Please open a dispute and include this text. It is some company called XXXX? I am not sure if I have the right company, but the charges appeared as charged by XXXX using my paypal account. Niether company would assist in refunding to date. Please assist. 

Paypal gave the following case info, but refuse to provide any documention and ignored my appeal request. I would like to appeal this with paypal. Below is the only correspondence received to date from paypal : " Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, XXXX XXXX We're sorry for any problems you may have experienced with the transaction ( s ). 

Transaction information : Dispute Case ID : XXXX Transaction Amount : {$29.00} USD Dispute Amount : {$29.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal ''
Consumer complaint received 2022-07-02
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)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MT)

In XX/XX/2020 I experienced water damage due to a botched roof replacement. The damage incurred totaled roughly {$65000.00}. Above the {$20000.00} threshold, all insurance payments are co-signed between homeowner and mortgage lender per loan servicing policy. My lender is PennyMac. Since day one of this water damage situation, I have asked to see my online account ( via insuranceclaimcheck.com ) or related documentation about these insurance funds managed by PennyMac. They have denied access to the online portal and have not produced routine monthly statements of any kind related to these funds kept in escrow. This seems to be a violation of the Code of Federal Regulations : Title 12 - Banks and Banking Chapter X - BUREAU OF CONSUMER FINANCIAL PROTECTION Part 1026 - TRUTH IN LENDING ( REGULATION Z ) Subpart E - Special Rules for Certain Home Mortgage Transactions Section 1026.41 - Periodic statements for residential mortgage loans. 

I have no way to track deposits, disbursements, or balances related to my insurance payout and this is in violation of their loan servicing agreement with RD/RHS loans. I have asked a number of times ( more than 10 ) on phone calls and have 2 written letters requesting the same info. I am able to log in to an online portal set up for this function, however, a pop-up blocks my access and I'm told to call their loss draft department for info. When I inquire about lack of access I'm told " this is an account that requires special handling '' or " this is a monitored loan ''. There is still no basis as to WHY I am denied access or other documentation other than this.

Likewise, other reporting information is inaccurate on my monthly mortgage documents ( eg : current LTV percentage, PMI vs annual fee in proper reporting fields ) they have refused to update their record-keeping to keep details organized and accurate.

I keep tidy files and would like my mortgage company to do the same to ensure my figures match theirs.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TN)

I received my credit report and found a collection account that does not belong to me. The collection account is SEQUIUM ASSET SOLUTION, account number XXXX. The original creditor is XXXX XXXX. I do not use XXXXXXXX XXXX  nor have I ever. I contacted XXXX XXXX and informed them and they told me to contact the debt collector directly.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

All XXXX major credit bureaus : XXXX XXXX, XXXX, and Experian. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All XXXX are currently FROZEN until I can begin the process to correct all XXXX reports. 
When should I begin to remove these Freezes so, the corrections can be completed??
Consumer complaint received 2024-12-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing is the lender on my XXXXXXXX XXXX XXXX XXXX appraised at $ XXXX. In XXXX, XXXX, my XXXX XXXX XXXX Master Insurance Policy was dropped and could not be renewed. During the time the HOA worked to find a new carrier, Shellpoint enacted a $ XXXX policy on my personal mortgage. Shellpoint began garnishing my escrow on this $ XXXX premium and finally increased my personal mortgage $ XXXX per month. 

During the month of XXXX, there are XXXX unique transactions on my payment history with Shellpoint. On XX/XX/XXXX, Shellpoint had not covered my personal mortgage and stated I would be reported to creditors. On XX/XX/XXXX, Shellpoint had + {$960.00} of " unapplied money '' sitting in my account and an escrow of {$5700.00} but would not pay my mortgage despite collecting : + {$2800.00} " regular payment '' on XX/XX/XXXX, + {$940.00} " escrow only payment on XX/XX/XXXX, and + {$4900.00} on XX/XX/XXXX. 

As of XX/XX/XXXX, my escrow balance is {$6500.00}. Shellpoint has taken more than $ XXXX from me since XX/XX/XXXX and had enacted an improper Master Policy on my behalf for a $ XXXX property that I do not own. 

XX/XX/XXXX, I called Shellpoint to provide proof of a new HOA Master Policy. I emailed all certificates as directed. As of XX/XX/XXXX Shellpoint still has not canceled their $ XXXX policy on my XXXX property.
Consumer complaint received 2022-01-05
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid
Consumer complaint received 2022-06-22
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. (OH)

I conducted a consumer credit transaction with XXXX XXXX XXXX XXXX which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a experian account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through experian but I got no results at this point I would like to sue for the fines of all the violations committed
Consumer complaint received 2021-10-02
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: LEXISNEXIS (IL)

LexisNexis Risk Solutions violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681 ( a ) ( 4 ). Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) its clear that that a consumer has a right to privacy, but Congress never defines what privacy is because only I the consumer can define what's private to me. LexisNexis Risk Solutions going out and fishing for negative information about me is an infringement upon a consumer 's right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). Also, the Court doesn't disclose information with no " bureaus '' I included a letter from the court stating this. Next, LexisNexis Risk Solutions did not have Permissible purposes or my written instructions to furnish a consumer report using my non public information.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I conducted a consumer credit transaction with XXXX XXXX XXXX XXXX which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a experian account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through XXXX but I got no results at this point I would like to sue for the fines of all the violations committed
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I had 4 accounts with conns. They sent settlement letters month after month on the charged off accounts. I took the last one they sent and sent a settlement letter and check for each account for that amount. My letter stated if this wasnt a good settlement anymore, to shred the check and let me know. They cashed all 4. They then took the check amounts and are reporting all accounts as still having a past due balance as if they have not been settled. Now they are sueing me for the balance on the account ending in XXXX as if these are not settled debt. i have sent dispute after dispute. They keep reporting past dues on a charge off ( not allowed due to FCRA ) to keep updating my negative accounts to new every month. Accounts have been closed for a year. The bureaus refuse to investigate my pictures and delete on their own as you can see in my documentation i am correct. Please help me get these accounts settled as they should be with conns so collections cease and deleted from my reports as i have files full of documentation of them repeatedly updating my accounts after disputes to make them hurt my scores more each time i dispute. This is shady business practices. I want this on consumerfinance.gov as conns has done nothing to repair the situation. I also had a positive account in XXXX ending in XXXX they updated with a charge off status in XXXX ( 7 years later ) and it was never a charge off! They refuse to remove it.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (PA)

XXXX XXXX  is listed on my credit report. The report doesn't even list the correct dates ( which makes the balance look never and lower my scores ), but that is irrelevant since the entire balance is invalid since I am a Medicaid recipient and Medicaid recipients are not allowed to be billed for non-covered services unless the provider tells the patient before the service is rendered and the agree in writing to this service, which I did not do. I even asked for the service to be pre-authorized, which it was.
Consumer complaint received 2024-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

On XX/XX/year> I called National Recovery Agency, to have them remove the medical collection debt from my credit report. I owe XXXX. I explained to the associate I am trying to buy a new vehicle and I need this removed. She proceeded to tell me I dont have a payment agreement, and that I only have a promise to pay and that I have to call every month to pay the XXXX  XXXX. I told her that was the wrong information, as they have my bank account in and they take XXXX  XXXX from it automatically. She then said they were not removing the debt, I told her by law they have to because its under {$500.00}. She proceeded to get very nasty. As you can see on the attached paperwork I do have a payment agreement with them, not a promise to pay. She also said they did not have my address which they do. Her name was XXXX. She didnt want to give me her last name.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and XXXX XXXX XXXX. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (TX)

this account is over 10 years old they keep furnishing my private consumer information without my consent i have contacted them via USPS XXXX certified mail number they have never responded the elotted 30 days with the original contract and wet ink signature they have violated my right because texas law only allows 4 years and this account is over ten years old
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

An individual attempted to open a credit card with wells fargo bank using my personal information. I became aware of this when a represenative from a local branch contacted me from phone number XXXX XXXX XXXX. Contacted wells fargo bank fraud group at credit card fraud XXXX. They looked up my information and told me my information is not in thier system. This worries me if I got a call about credit card opening and they can't locate documentation for me. The message said that if this credit card application is real then must go into bank branch to provide identification to open. I was grateful for that security block. 
I previously had a prepaid card that I closed but they said its not the same thing. 

account fraud XXXX online fraud XXXX
Consumer complaint received 2024-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Some one used my information to obtain XXXX in credit from XXXX XXXX XXXX. I am a XXXX XXXX XXXX senior citizen, and do not have XXXX XXXX XXXX phone service. This claim is submitted to my credit report earlier this year and was removed by XXXX. Then it was sold by the credit company to RADIUS GLOBAL SOLUTION and put back on my credit report. My credit report has a fraud alert on it. I have no idea when this account was opened, but I am not going to sit back and be taken advantage by criminals that think it is alright to steal from some one. I have filed again with XXXX that this is fraud. And by the way this account was opened XX/XX/year>, XXXX XXXX XXXX never contacted me and I received no mail from them. And now here it is XXXX and this account has been sold and put back on my credit. 
I had no idea this account even existed until it showed up on my credit report.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I really wish someone would review Fifth Third yelp reviews. There is something seriously wrong with this bank and it should be investigated! They have a 1 star review in yelp definitely the lowest I have every seen!

I have had repeated problems with Fifth Third Bank. They purchased my mortgage after I refinanced and have made the whole process incredibly difficult. The first demonstration of this was they sent me information to log in to their website to setup automatic payments but when I followed the instructions the site told me I was not in their system and could not set up an account. This caused me multiple problems because I had to setup auto payments through my bank on a static amount. Subsequently they adjusted my impound account two times. The first was without notice or at least I never received the notice or analysis. They then reported to the credit bureau that I had missed a payment when in fact they received the payment but it was minus the new adjustment. I tried to contact them and ran into multiple issues of getting disconnected. I tried to fight this but later gave up. This then happened a second time but they sent the analysis and a bill for the shortage in the impound account which I paid in full. Then started harassing me saying I was late on my payment and short by {$6.00} on a {$3000.00} mortgage. I tried to call multiple times and their system says it is transferring you but then hangs up. Then I tried online through their chat. After a week I got one of their managers to call me. She kept insisting this was my fault. I tried to explain the background context but this is absolutely the worst bank I have ever dealt with! Please look into them.