davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My phone is password protected for purchases. While letting my XXXX nephew, use my phone, a purchase was made. There is absolutely no way that he would know my password and my password does not auto fill when a purchase is being made. Any purchase that I made before and after the transaction in question has required that my password be typed in, as usual, but I believe that I know how the transaction in question was able to slip through. Before being charged for the 1-year subscription in question, there was 3 day trial period at no charge when the app was downloaded. 

Once I was notified of the charge for the yearly subscription to XXXX XXXX XXXX XXXX XXXX, I contacted XXXXXX/XX/XXXXimmediately and canceled the subscription. In their response, XXXX XXXX XXXX stated they were unable to refund my money and that I would need to contact the app developer. I reached out to the app developer, multiple times, with no response. I reached out to PayPal and was told they could not assist with a refund either. After that, I reached out to the XXXX XXXX XXXX again hoping they could help as the app developer was not responding. In our chat session, the representative informed me that had if I contacted them right away, they could have asked for a refund as a courtesy. The day of the chat session, the representative stated that she had tried to request a refund, but the request could no longer be put through because too much time had passed. I was very disappointed as I did contact the XXXX XXXX XXXX immediately and there was no offer to request a refund for me as a courtesy. The possibility of requesting a refund as a courtesy was only mentioned after it was no longer an option. 

To me, it just doesn't seem right that there is no recourse, that an app developer can simply choose not to respond. Using the XXXX XXXX XXXX is necessary on android phones to access apps for download, yet having it, even with password protection, puts you at risk. The XXXX XXXX XXXX is the platform that apps use to connect with consumers, just like when we go to a department store to purchase a product from a manufacturer. If a consumer has an issue with a product purchased in a store, the store does not respond by telling the customer to contact the manufacturer, ( unless it's a warranty issue ) and if the manufacturer doesn't respond, you're out of luck. 

I realize, in the grand scheme of things, app stores, apps, and purchases with electronic payment via PayPal are relatively new, but situations like mine are not uncommon. It doesn't seem fair to consumers like myself that app developers can choose not to respond and the platforms that allow app developers to connect to consumers and receive payment from them can turn a blind eye to practices such as this. I am hoping, even if I receive no resolution and I am simply out the {$64.00}, that this information will prompt change and more consumer protections will be put into place.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

Before going to an attorney to help us get a loan modification we started with our mortgage company over 2 years ago. Did everything they asked us to do. The woman we deal with there is XXXX XXXX. She has never been any thing other than rude. My father, at one point stepped in to try and help us. He was a builder of over 40 years and ran a successful business. XXXX gave him a hard time as well. Now our attorney is telling us they have NEVER dealt with someone so rude and difficult. This woman has made us fill out the whole loan modification process now over XXXX! I had to redo everything my attorney submitted because they whited out a date ( which they often do if resubmiting the entire SAME package! ) to resubmit it at XXXX XXXX request. She had all our paperwork in front of her but is knit picking apart everything we say and do and keeps making us redo and redo the whole application process! I feel BULLIED by this woman. She now has had access to our PERSONAL finances including our banking statements for more than 18 months. It is like She keeps wanting to see our Financials so She keeps denying our application for one reason or another.. There is always something WRONG She says that we missed. I had to turn around after JUST submitting the EXACT same application and resubmit/redo it all at Elis demand . Even though she had all the paperwork in front of her. I am working with an ATTORNEY who does this EVERYDAY for a living with mortgage companies. And I am being told by them, they have never dealt with a more rude and bullying person. I just want to save my home. We have also given PHFA over {$20000.00} in the 2 last years taken out of my husband retirement. We want to save our home and just need lower payments! And this woman is determined to bully us until we lose our home. I will gladly share my attorney info if need to hear from them about this company and woman, XXXX XXXX. They have not even allowed us access to our mortgage account to make any type of payment either!
Consumer complaint received 2020-12-09
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. (NY)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I visited the TransUnion.com website to obtain a credit report. It is my understanding that credit reports are supposed to be offered for free ( 1 per year ) by law. The links from the main page to get your report contain fine print regarding details that you are in fact signing up for a credit report and monitoring service for {$24.00}. If you do not very carefully read these details you will be charged at least for one month in order to see your report details. 

This is, in my estimation and opinion, a type of deceptive trade practice. It is very telling once you log in that if you choose to cancel where you are offered a drop-down selection of reasons for cancelling, which includes " I did not expect to be charged '' as a choice. 

I initially disputed the charge through my bank but then cancelled, realizing it would be rejected due to the fine print. 

Interestingly I setup an account through the other 2 credit services, XXXX  and XXXX and was not charged to see my information. If the response from TransUnion is that reports must be requested via XXXX then that should be clearly indicated to the public I would strongly advise against the use of Trans Union or their services for any reason due to what I consider to be a dishonest approach. Basic news research has shown they have been cited for this kind of behavior in general before.
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

This is the 3rd complaint ( CFPB - XXXX and CFPB = XXXX ) that I have filed regarding Wells Fargo 's management of my mortgage loan. 

On XXXX XX/XX/XXXX, I contacted Wells Fargo to determine why I was still being charged PMI and spoke to XXXX XXXX ( XXXX - x XXXX ) and Ms. XXXX advised that based on my loan balance I had well more than 20 % equity in my residence and she was not clear why I was still being charged approx $ 119 monthly. she contacted the WF PMI department and was told that they were still charging the fee because of late payments in XXXX and XX/XX/XXXX. I advised Ms. XXXX that I have never heard of any criteria for requiring PMI other than the 20 % equity. I further noted that I had made timely payments for XXXX and XXXX of XXXX. Ms. XXXX called me to advise that the Executive Office had opened a case number XXXX. 

Regarding the XX/XX/XXXX payment, as detailed in the chronology I provided with the first CFPB complaint, I explicitly followed the instructions provided to me on XXXX XX/XX/XXXX by XXXX in Wells Fargo Special Loans Department and made a very large principal payment on on XXXX XX/XX/XXXX and advised the Wells Fargo XXXX XXXX ( XXXX ) to call the recast department for instructions regarding how to process my check which was both payment of the XX/XX/XXXX statement and principal payment. XXXX did not contact the Special Loans Department per XXXX 's instructions. XXXX erroneously applied the full balance of the check to principal payment as I stated in my written correspondence to WF dated XXXX XX/XX/XXXX and I was timely in making my XX/XX/XXXX payment, however WF erroneously processed the payment. 

Regarding the XX/XX/XXXX payment, per correspondence from WF, my loan recast was effective on XXXX XX/XX/XXXX and my new mortgage payment was {$1000.00} and WF has acknowledged receipt of a check for that amount on XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

( CAPITAL ONE AUTO FINANCE ) at ( XXXX XXXX XXXX XXXX, TX XXXX ) has been sending me collection notices in the amount of ( {$49000.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-07-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX and I, as a consumer, am making this complaint against Experian. This complaint is relating to the CHARGE OFF account from XXXX XXXX XXXX XXXX XXXX Experian has been inaccurately reporting information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( XXXX ), the banking system is dependent upon my consumer report being fair and accurate. Not only is the information inaccurate, I was never notified when this information was furnished, and during your company 's initial investigation that this information would be reported. This grave error has undermined my confidence in Experian 's procedures. This unfortunate mishap has ruined my reputation and adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( XXXX ), Experian is a powerless elaborate mechanism. Also, Experian ASSUMED this role. Experian was never given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Experian fail in the initial investigation of this information, Experian ASSUMED this role and assumed this information was valid ; which is a violation of my consumer rights. Experian did not insure that this information being reported was accurate and did not exercise their grave responsibility with fairness and impartiality. Experian took one side of the story and never consulted with me to ascertain if this transaction even took place. My right to privacy has been breached and violated. ( SEE EXHIBIT A ). Congress has made it abundantly clear that a consumer report SHOULD NOT include transactions between the consumer and the person making the report. This is another violation of my federally protected rights. I was never given opportunity to deny this information being communicated on my consumer report. This is another blatant violation. Pursuant to 15 USC 1681a XXXX XXXX XXXX XXXX XXXX XXXX, any authorization or approval of a specific extension of credit of a credit card should be excluded from my consumer report. This alleged transaction that Experian clearly did not investigate is categorized as a transaction that was issued from a credit card ; credit card as defined under 15 USC 1602 XXXX XXXX XXXX. Definition attached and highlighted in EXHIBIT B. YOUR PROMPT RESPONSE IS BOTH REQUESTED AND APPRECIATED.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX XXXX Opened : XX/XX/XXXX Balance : {$18000.00}
Consumer complaint received 2024-12-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NC)

Vehicle was not repossessed in XX/XX/XXXX vehicle was repossessed in XXXX. However I was still not provided court documents for repossession. Please PROVIDE THE LEGAL DOCUMENTS/ COURT ORDER authorizing Westlake to repose the vehicle of a XXXX XXXX service member in accordance with 50 U.S.C . 3911 ( 1 ) and ( 2 ) and 50 U.S.C. 3952 or 50 U.S.C. 3953. Service members with loans that are covered by 50 U.S.C. 3952 are granted protection against repossession during the period of military service. Service-members with loans that are covered by 50 U.S.C. 3953 are also granted an additional period of protection for one year after the period of military service as stated in legal matter United States v. Westlake Services , LLC, et al. ( C.D. XXXX. ), XXXX XXXX. XXXX This is my last and final attempt before legal proceedings commence. I have request via email, mail and now telecommunication that this account simply be removed and any derogatory remarks be removed and payment be released for assessed damages by westlake. I have already spoke to XXXX XXXX who has also charged me an additional XXXX dollars for disputing this account which is not fair to me. Any further communication from this point forward will be from an attorney
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2022-09-20
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: WELLS FARGO & COMPANY (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (CA)

I have been held up in underwriting now due to the way Shellpoint has reported the mortgage. Why is this loan reporting as in forebearance? It was removed I have had to call up and email about this multiple times in the last few weeks. 
This is against the law
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2020-12-09
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. (DE)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uplift, Inc (TX)

Started loan in XX/XX/XXXX the loan was to be paid off XX/XX/XXXX. I paid the remainder balance in XX/XX/XXXX. And the interest was {$450.00} but had I paid the account in XX/XX/XXXX it would have only been {$720.00}. No one can tell me why the interest was so much even though it was paid early.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am submitting this complaint regarding an issue I encountered with Bank of America branches in XXXX, MA, which caused significant inconvenience and financial loss. 

On XX/XX/year>, I visited the Bank of America XXXX XXXX branch to request a certified check for {$17000.00} ( plus a {$15.00} fee ) to finalize a vehicle purchase ( XXXX XXXX XXXX XXXX, XXXX MA ). As per the agreement with my dealer, this transaction had to be completed on the last working day of XXXX. Unfortunately, due to technical issues at the branch, I could not obtain the check. The staff directed me to the XXXX branch, assuring me this would not impact the transaction. 

At the XXXX branch, the staff attempted to confirm the transfer with XXXX XXXX. Still, despite their professional demeanor and efforts, they faced prolonged delays in communication with the XXXX XXXX team. Ultimately, I was informed that the funds had been frozen and that I would need to wait until the next business day to obtain the check. 

This delay caused : ( 1 ) Damage to my business relationship, as I had to reschedule the transaction with my dealer.

( 2 ) Additional expenses for transportation to revisit my dealer.

( 3 ) The loss of credibility due to an inability to meet the agreed deadline.