davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2021 my mortgage servicer, Shellpoint, erroneously placed over {$1000.00} of insurance coverage they immediately charged me for. They wrongly said I did not have coverage. I have submitted multiple times evidence of sufficient coverage from my HOA ( I live in a condominium complex ) as well as my personal coverage for property not covered by the HOA. There were no lapses in coverage. Starting in XX/XX/2021 I contested this, and followed up 7 additional times via email, as well as with 2 additional phone calls. My emails were mostly ignored, and every time I have been on calls after hours of waiting to talk to someone I was assured I would get a refund, but now in XX/XX/2021 I have not. It appears Shellpoint may have initially made an honest mistake, by changing my property address by mistake when they bought the mortgage from my original servicer, but they are now fraudulently holding onto my money. They are now ADDITIONALLY charging me a fee every month which no one will tell me what it is for. 

I am now looking to refinance my mortgage, and given Shellpoint 's behavior to this point I need help with getting a refund on the lender placed insurance, a refund on all of the unexplained fees, as well as making sure they timely refund me my escrow upon loan payoff. I am deeply concerned they will continue to try and wrongfully take away my money, or drag their feet and hold onto it, and it is a very meaningful sum especially in light of the cash closing costs for my mortgage refinance. It's worth noting part of why I am refinancing my mortgage is because I feel that Shellpoint is a bad actor and I can not afford to spend as much time trying to protect myself on a go-forward basis.
Consumer complaint received 2022-01-10
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-06-21
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. (NJ)

These accounts have a lot of missing information in this account and also I do not have any affiliation to them. I want to these accounts be removed due to multiple reporting violations. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-01-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Financial Guardian, Inc. (CA)

At the time if residency there where two young mgmt who where fired because if XXXX XXXX now when we moved out we left the complex clean no damages and we included out deposit to settle the months rent that was owed I had no knowledge of these charges or what their from I continue to ask them to verify proof of these charges but they still have failed Todo so these are unauthorized charges I have been trying to have removed from my account it also says it's a payment from XXXX of XXXX which is also false because it also says from XX/XX/XXXX these are falsely reported and I want it corrected this has affected me tremendously I haven't been able to get an apartment for my family because of this impact to my name we have been XXXX in a motel for two years now
Consumer complaint received 2021-10-05
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 am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Hello : I filed a complaint with you about capitalone. They responded because of the complaint and tried to blame the behavior of them dropping my credit score each time I used the card. ( I applied for a card, thinking with my history with them would get me a lower interest rate, though when I applied it was through an offer for pre approval and then the app gave me the card without choice, with nearly 30 % interest rate. {$300.00}. limit. I didn't want the card and still don't. When I used the card ( never more than {$40.00} and pof on the XXXX of ea mo ) they would say I was over and lower my score. ) When they called me they tried to blame the lower scores on XXXX, but the agency clearly shows them reporting me as over, etc. I was upset and let them know it. I am a senior wanting a card to buy an occassional gift, but with their card they had told me I could buy after the bill pronted on the XXXX  and had to have it pof before the next due date to have zero affect on credit. 
Theu HAVE DROPPED MY CREDIT SCORE 30 % ON XXXX AND $ 40 % ON XXXX!!!!!!!!! becasue they are corrupt XXXX. PLEASE GET THESE XXXX  TO CORRECT THIS> I DONT DESERVE THIS AND THEY SHOULD BE PUNISHED!!!!!!
Consumer complaint received 2022-01-10
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 (NC)

Problem : Requesting a physical check for the full balance in my PayPal account On XX/XX/2022, I called PayPal Customer Service at XXXX and talked with XXXX  who confirmed the PayPal Policy that a customer can " Request a check by mail ( Get it in 5-10 days for {$1.00} ) '', but she said that the customer must use the system to link debit/credit cards and a bank account number for an e-check to be transferred to my bank account. " Request a check by mail '' is NOT an e-check, as it involves sending a physical check via the U.S. Post Office. XXXX had already confirmed that the phone number I was calling from was on my account profile. Also, she could have asked me my mailing address and confirmed that it was correct on my account profile, but she did not. PayPal should be able to confirm a customer 's identity and mailing address via the phone, as other financial institutions do by asking questions. XXXX placed my call on hold at least twice, I'm assuming to talk to her supervisors. But to no avail, she insisted I use their system which clearly provides an option to click on to " Request a check by mail - Get it in 5-10 days for {$1.00} ''. See attached screen shot. But when I select it, it tries to force me to set up BOTH a debit/credit card and a bank account number. I suspect that what PayPal is really trying to do is prevent customers from closing their accounts. Having more services and products linked to the account prevents customers from closing their account. Given that my money in my PayPal account is NOT FDIC insured, I do not want to give them access to my bank routing and bank account number. No other financial institution requires me to sign up for more services or link other bank accounts to withdraw funds from my account when my intent is to close this account! 

They have denied me the ability to receive a physical check for the full amount in my PayPal account for {$1.00} fee on the call ; even though, I have a screen shot that clearly shows their company policy allows this. I also followed up with the same request to their email " XXXX '' after the call including a willingness to send them an image of my driver 's license, but as of XX/XX/2022 I have not received an email reply.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo transferred the balance of {$400.00} in my saving account to unclaimed property WITHOUT prior notice nor my permission. 
Wells Fargo has not proactively provided instructions on how to get my money back along with the account closure. 
My address, phone number, and e-mail address are up to date with Wells Fargo. I've had no problems receiving online statements in my email. The bank statement ( attached ) shows that I can receive mail at my address. 

Timeline of events : I received the attached bank statement on XX/XX/XXXX, indicating that my {$400.00} had been transferred to " unclaimed property '' on XX/XX/XXXX, and my saving account was hereby closed. 

XX/XX/XXXX : I called XXXX, the customer service hotline upon receipt of the bank statement. I was put on held and transferred multiple times without getting clear instructions. Additionally, I received no follow-up from them since then, although their representative promised that I'd hear back from them in 24 hours. 

XX/XX/XXXX, XXXX  : I then visited the Wells Fargo branch ( where I opened the saving account in XX/XX/XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. A personal banker confirmed that the bank should have notified me before the unclaimed property transaction. 

XX/XX/XXXX, XXXX  : Pennsylvania Department of Treasury does not have matching record ( s ) regarding my fund. The search result is attached. 

I learned that Wells Fargo is required to notify me prior to the transaction and provide instructions on how to prevent savings from being transferred to unclaimed property. 

In sum, this is a complaint of non-prior-notice for account closure/fund transfer to unclaimed property. I was shocked to believe that no previous communication of any sort ( mail, email, phone, text message ) was given before the transaction. Nor did I ever receive any instructions on ( 1 ) how to prevent the transaction to unclaimed property and/or ( 2 ) how to claim my {$400.00} saving back. To make this worse, there is no publicly available contact information or useful resources from Wells Fargo.
Consumer complaint received 2022-08-08
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. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MECHANICS BANK (CA)

I have been in communication with XXXX since XXXX of this year to not only pay the balance listed on my and my husband 's credit report but to ask them to remove the now paid account entirely. Through much trial and tribulation, I have been met with vague answers and inconsistencies. We paid the balance legally reported but since we did not pay what they claimed we owed, they REFUSE to remove the account from all 3 credit bureaus. Now the one person who is apparently the ultimate decision-maker has replied to my request with facetious comments. We did our part by paying, I simply just want the account removed as per the California Statute of Limitations allows!
Consumer complaint received 2022-08-08
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: Santander Consumer USA Holdings Inc. (NJ)

The companies thats reporting on my report are : Santander Consumer USA XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (GA)

Chase has my email address on file for another customer. I receive their mortgage statements, home address, credit card payments, etc. to my email. I have tried calling Chase over the past few months, they require you to enter an account number to speak to anyone. A few representatives I spoke to hung up on me after I explained the situation. The most recent I spoke to in their " privacy department '' wrote down all relevant information and said they would write a report to be handled by someone else within one day. I asked for them to follow up with me to make sure it's done. She said they will not follow up with me. I asked how can I confirm it is done, she said I can call back but they wouldn't be able to confirm it then either since I'm not the " affected customer. '' She then hung up on me when I asked to speak to someone else. 

Their emails contain no links for me to click to say " this isn't me '', they offer absolutely 0 ways to solve the issue, and they are sending me extremely personal information of another customer, yet do not seem to care.
Consumer complaint received 2022-03-16
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. (MI)

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite 7 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of FTC REPORT ATTACHED XXXX XXXX XXXX XXXX Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

I called XXXX to find out why my account balance all of sudden jumped up over XXXX dollars when I make my XXXX dollars payments every month. When you ask them they tell me that it is the daily interest that has made my loan go up. I am calling them liars because the daily interest has never ever made my account balance go up on any month. I know that XXXX is a smaller company of whells Financial and when I looked them up thru the XXXX they did the same thing and got caught with not legally keeping up with payments, and not keeping records. I have every payment I have made to them and this is not right, but will not give a acceptable answer. Their answer is false because this has never happen before and they are covering it up with this false statement. I have paid over twice the amount back. But now they are increasing my account balance and will not give me a answer that makes any sense. If you need any information I will provide it.
Consumer complaint received 2021-10-05
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. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union has been charging me NSF fees frivolously for the past 2 years starting XX/XX/XXXX. 

I have in the past let the issue go, and just ended up paying. However I have had major hardships in my life that has caused me to run out of funds and I could not catch up to all the back to back NSF fees that they are charging me. I have stopped using my debit card and checking account when I saw that my account was at negative {$80.00} in the middle of XX/XX/XXXX. I have been in contact with NFCU and ask them to please help me and not charge me since NFCU did not lose any money and the merchant did not lose money as well. However the constant charging my already negative checking account just kept on happening. 

So to this date my account is at NEGATIVE {$450.00} all because of NSF fees. Please see the bank statements attached.
Consumer complaint received 2022-01-11
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. (CA)

I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to XXXX. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.