davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act 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 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 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX  XXXX XX/XX/XXXX INQUIRY Us Small Bus AdministrationXXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was involved in a rental occupancy scam on XXXX XXXX, I sent out payments to who I believed was the homeowner in good faith, was giving a lease to move into the property and found out on XXXX XXXX that I was a victim of a rental occupancy scam. I have a police case XXXX with the castle hills police department. I also filed a scam fraud report with the XXXX, FBI, FTC, and the attorney general. BoFA sent me a denial letter without asking for any supporting documentation about my open investigation. I am a victim of a fraud scam how can you deny my claim without asking for proper documentation.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I ran into some medical issues and got behind on my payments in XXXX I called was advised what needed to be paid to get back on track I made a {$690.00} payment XX/XX/XXXX and another $ XXXX mid XXXX and was told I was back in good standing tried using my card XX/XX/20 to be told the account was closed I was never advised my card was closed as a matter of fact when I went into the app to check my balance its still showing I have XXXX in available credit so I called again today they had no answered for me and told me it can take XXXX days to get resolution Ive never missed payments prior or since all my emergency medical issues
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both XXXX and Transunion have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX XXXX  ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If XXXX and Transunion does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

There was a transaction on XX/XX/2022, that I did not authorize on my Paypal account for {$220.00} converted to Thai currency. The recipient was ( XXXX ) The transaction description was in broken XXXX. 

I got the point outr was a lot more money to go to get to my house I do not know anyone in XXXX and I did not purchase anything online. 

I immediately called Paypal to dispute the transaction, but they ruled that it was not unusual activity and would not reverse the transaction. 

I also called my bank to inform them of the situation. In order to stop any withdrawals from paypal.
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Was charged {$59.00} on XX/XX/29 from XXXX XXXX, however payment was not authorized or coming from me directly. Ex spouse had a copy of my bank information saved on a device of hers and she made a payment under my name fraudulently without my permission. Called Wells Fargo the very same day to dispute the charge. They canceled my card and left me without access to my account or unable to pay online bills for almost a week before receiving a new debit card, but they completely denied the fraudulent charge and said it stands as it is and that I authorized it, which I did not because if I had I wouldn't have called them to dispute it in the first place.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

This complaint is about Wells Fargo, They've been telling me my account would be closed by XXXX and now the date changed to XX/XX/XXXX ... today after waiting on hold for well over an hour with the Executive office i was told i was wrong and it was stated to be closed on XX/XX/XXXX. This was NEVER communicated to me. 


When i spoke to XXXX XXXX on XX/XX/XXXX, he informed me " As soon as the wire recall is cancelled we could close this the same day. 

this was false, XXXX cancelled the wire recall over a week ago from today ( XX/XX/XXXX ) and wells fargo is still telling me my account is unable to be closed and transferring me to the fraud department. 

this bank has been holding my account at its mercy for a month now, it is now time to seek legal counsel and file OCC complaints if my continued complaints keep resulting in no action. 

Account # XXXX best regards, XXXX XXXX.
Consumer complaint received 2020-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (AZ)

A complete fabrication of so called " help '' during the Covid-19 Worldwide Pandemic, and taking advantage of their borrowers. SOFI does NOT care if you are in hardship due to Covid-19. Their only concern is to make more money. At first, they offered no help/forbearance at all, but buckled under pressure after Federal Student loans offered help while Private Student loans did not. So they changed their tune to " want to help '' by allowing a 2 month Forbearance, however on the caveat that you would still be accruing interest every day and only get a break on 2 months principle on the back end ( that tells you something right there ). The SOFI reps ( 2 reps, 2 calls ) were very clear that the interest would be paid be paid over the length of the loan. A 3rd rep also had that understanding. XX/XX/XXXX we find out - surprise! Interest payments to be up PAID front over the next 3 months to the tune of an add'l ~ {$1400.00}! And they raid the monthly payment on top of that! They flat out LIED to us. Be cautious. We have been with them for 5 years ( XX/XX/XXXX), with 2 Loans ( Parent & Student ) that started at $ XXXX. They have made a TON of interest ofs of us in those 5 years. We have seen the progression from a Company with XXXX founders, that seemed to really want to help ( Social Financing ) to another greedy large-scale Corporation, making more money off the backs of our youth and future of this Country. XXXX is their cohort, we found that out as we struggled to fight for our rights with them. At the end, they & XXXX do not care to stand by their word, or help their borrowers in need during a worldwide PANDEMIC. They said they may consider that in the future, but for now sorry nothing we can do about it. Yes, that is true. Maybe thats how you pay for a new SOFI XXXX Stadium in LA and for all those commercials on TV. Shame on them!
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (HI)

The Chase United Airlines Explorer card is offered with incentives that frequently change. I chose {$250.00} credit + XXXX  miles if we each spent {$3000.00} in 3 months. I did. Chase gave me {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I filed a complaint with cfpb for paypal credit operated by synchrony bank charging me {$7500.00} after I paid my balance of {$7500.00} with a consolidation loan. They credited me the {$7500.00} and I closed the complaint. However I received a letter on XXXX telling me that they are charging my account {$7500.00} for lack of proof of payment. I submitted the picture of the front and back of the cashed check for {$7500.00} from my bank XXXX XXXX XXXX XXXX as proof of payment. Please help me this is the 2nd time they have denied my dispute and they continue to charge me for money i paid off.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

We have a mortage for our home through Newrez LLC XXXX # XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX. 

Our loan number is XXXX. 

We have been paying PMI since we got the mortgage but on XX/XX/2022, we submitted an application to have the PMI removed. 

Newrez sent a appraiser XX/XX/XXXX to review the property. From then on, I followed up with the appraiser to see if he sent the appraisal over to newrez which he confirmed. 

From then on, whenever I call to NewRez, they keep saying that the application never came through, or that I have to wait a week to call back and keep repeating the same information over and over again. Based on what our comps are we know that we have enough equity to not have to pay PMI but we are having a hard time getting hold of newrez. 

To me, it looks like a deliberate attempt to avoid having PMI charges removed from our loan. I would appreciate if CFPB can follow up on this.
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-22
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (CA)

Finance of America Reverse, LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX XXXX located in XXXX CA XXXX XXXX Their closing company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Improper Appraisal Delay- The direct reverse lender Finance of America Reverse LLC. , delayed the appraisal. 
After refusing to take any responsibility and falsely claiming that they had not delayed or cancelled the appraisal, without apology, they eventually agreed to honor only the original loan application terms -- even though they caused the 120 day HUD terms and rates lock to expire. 
The exact words from the manager XXXX via email were, We will honor the terms executed when the application was signed. 
However, not surprisingly, the closing paperwork that we were presented and signed had completely different terms than the application, with a different rate, added fees, etc. 
Even after mentioning the above bait and switch tactics, they still refused to correct their shady behavior, selectively ignoring numerous emails asking for clarification. While they eventually responded, they did not answer all of our specific questions. 
We have evidence indicating that they did delay and affected the cancellation of the appraisal, despite their fabrications made to the contrary. 

Furthermore, the last quote they agreed to was for better terms, including a fixed rate, which they refused to honor. 

Trust- They also improperly refused to accept our Certification of Trust, instead demanding the entire trust. This action unambiguously violated California Probate code 18100.5., stating that ( a ) The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. 

I provided numerous opportunities to provide transparency, but it is clear that they have been getting away with these and other tactics for a long time and think that they are above the law. While they are nice salesman in the beginning, they showed their true colors after they got us hooked. Rates went up, so they want to lend at the higher rates. It also seems obvious that they do not have sufficient staff, including having a resolutions team to solve problems, as most other direct lenders. But it is the lack of truthfulness that is really problematic.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jon B. Sage, P.A. dba Sage Law Offices (FL)

I was assaulted which resulted in a medical bill of over $ XXXX. The Victims Compensation Beaureau has approved me, but the hospital won't accept it, so now they turned it over to a debt collector called Sage Law Offices. I've explained to them, and also explained that a state attorney is assisting me with the case against my attacker. " Sage Law Office '' keeps harassing me anyway, sending me a notice of Lien instead of speaking to my state attorney.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.