davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NC)

Your company, Mutual of Omaha Mortgage ( MoOM ), incorrectly imposed a Veterans Affair ( VA ) Funding Fee on XXXX XX/XX/XXXX in the amount of {$14.00}, XXXX dollars. 

On XXXX XX/XX/XXXX, I sent an email to XXXX XXXX, Mortgage Loan Originator with MoOM, expressing my interest in purchasing a home and using MoOM as the lender. In that email I pointed out that I was retiring on XXXX XX/XX/XXXX and that I was expecting a VA XXXX rating of roughly 80 % to 100 %. Throughout several phone conversations and one text on XXXX XX/XX/XXXX, XXXX XXXX was aware I had initiated a VA XXXX claim prior to contacting MoOM. When asked about the funding fee I was told the amount and was reassured that I would be able to request a refund from the VA once I received my rating. 

On XXXX XX/XX/XXXX, MoOM pulled an automated Certificate of Eligibility ( COE ) that stated I was non-exempt from the funding fee. ( Closing was signed on XXXX XX/XX/XXXX ) On XXXX XX/XX/XXXX, I received a disclosure package to sign. One of the documents in that package was the VA XXXX XX/XX/XXXX XXXX, VA Verification of Benefits Form ( see Disclosure Package 1 pg 55 ). When I first received the form box 8 had the I HAVE NOT box checked. Box 8 states, I HEREBY CERTIFY I HAVE/HAVE NOT filed a claim for VA XXXX XXXX prior to discharge from XXXX XXXX service. When I noticed this, I contacted MoOM and informed them it was incorrect and was instructed to mark the appropriate I HAVE box. I was not informed of any requirements of the COE needing to be verified by VA. 

VA XXXX XXXX paragraph 3.c states If the COE displays Non-Exempt, the lender should ask the borrower if he/she has a pending compensation claim with VA. If the borrower indicates that a claim is pending, the lender should request an updated COE before loan closing ( preferably not more than five days before closing ) to verify whether the borrower is exempt. If this step was taken it would have prompted the VA form XXXX to be sent to the VA to request the required info to show that I had a VA XXXX claim in process and would have determined that I was exempt from the funding fee. MoOM did not follow VA instructions outlined in VA XXXX XXXX. 

As of XXXX XXXX XXXX I was given a VA XXXX rating of 100 % Permanent and Total thus showing that I should have been exempt from the VA funding fee. When I asked MoOM about the fee I was told numerous times I would be able to go back and request a refund from the VA after the fact. That is not the case and the VA is not taking any responsibility for the situation at hand.
Consumer complaint received 2023-01-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I am writing out of extreme frustration with Citibank. I had a dispute that was resolved by both the merchant and Citibank. However, Citi refuses to remove the amount ( {$4900.00} ) from my account. Even though it is not on the full balance taken out each month, the figure remains on the statement, subtracted from the credit line and is reported to the credit bureaus. The dispute resolve was in XXXX of 2021. I can not count how many times in the last 2 years I have called and spoken to representatives. There have been such quotes as we are aware of the problem, and you should receive a call back in the next few days once fixed. No promise has ever been kept returning a call. I even emailed the CEO with no response. After all these years of dealing with Citi on this matter, I do not know what else to do and would appreciate your help!
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX A account number XXXX  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. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -
Consumer complaint received 2023-01-05
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. (IL)

I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please
Consumer complaint received 2023-01-05
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)

I am XXXX XXXX submitting this complaint against Equifax XXXX XXXX XXXX XXXX and there is no XXXX party involved. 


As of XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within XXXX XXXX XXXX I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Delete all hard inquires & late payments as well
Consumer complaint received 2023-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This mortgage has been paid in full already ; the total amount has been taken from my trust. I have requested disclosures, proof of contracts and other important information that they refuse to provide to me. When I write them letters, they promise to send the information that I request but they never do. I've been very confused with this business relationship as I have exhausted my administrative remedy without this company being honest with me
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (IL)

I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please
Consumer complaint received 2023-01-31
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. (TX)

XXXX XXXX XXXX is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what XXXX XXXX XXXX is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX  XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Complaint # XXXX was incorrectly closed by Wells Fargo over the XXXX while we were traveling. ( Any complaint closed out this fast should be a bell ring to CFPB. ) A Rep from Wells Fargo ( WF ) called today and we went through it again In XXXX we declare bankruptcy to protect the equity in our {$700000.00} homestead. From XXXX to XXXX several mods were offered by WF, none of them XXXX. WF accepted the terms for the XXXX XXXX  Bailout of XXXX, and knew full well that they were obligated to offer mortgage clients experiencing difficulties XXXX mods but repeatedly denied us that option. 
We took WF to Vermont Superior Court where Judge XXXX ruled that WF was obligated under the XXXX XXXX  Bailout agreement and required WF to strike a XXXX  mod with us and pay us 80 % of our legal fees. 
If WF had struck a 2 % XXXX mod with us in XXXX, we would have saved $ XXXX in accrued interest at 4.75 % that was capitalized into the new XXXX XXXX mortgage. I want to recover that $ XXXX from WF  and/or CFPB.
Consumer complaint received 2023-01-06
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. (TX)

when i seen the report on my experian report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX  and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report
Consumer complaint received 2023-01-06
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (SC)

XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX  for {$4000.00} to {$5500.00} to purchase a XXXX XXXX. The starting price on that vehicle is {$60000.00}. However, that is not disclosed until you are present at the dealership. That vehicle was out of my range. 
Since I was there and pre-approved. I selected another vehicle, XXXX XXXX XXXX XXXX, {$30000.00} was within the pre-approval range. The business manager ran a credit report irrelevant of the pre-approval. Then, I was allowed to take the vehicle for a test-drive. I drove the vehicle to my residence XXXX miles from the dealership. There I transferred monies to my account for the down payment. Prior to my return, I received a call from the salesman inquiring, 'Is everything alright '? I told him, where I was and what I was doing. I'm not sure of the time lapse because the salesman told me to take my time. I wasn't aware of the time restraint. There was XXXX miles on the vehicle for a test drive. Upon my return, I had a credit and debit card for the down-payment, they would not accept the debit card and I went to the credit union for cash. When, I returned the business manager had everything prepared for signatures the credit options weren't disclosed or addressed.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (IA)

They email my ex wife to try to get to me they should have no contact with her the Debt company is LVNV They bought it from XXXX XXXX  compabout 12 years ago the amount is for {$410.00} they should not contact her to get to me
Consumer complaint received 2023-01-06
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/XXXX, I received an email from American Express ( XXXX ) stating that my Bluebird acct privileges had been suspended because of an unspecified violation. I called Acct Protection Services at XXXX on XX/XX/XXXX and after several tries and a very long wait I was informed by a rep that the account was closed and a check for the balance of {$100.00} would be forthcoming in 10 business days. I have heard nothing since then, phone calls are not answered and I am unable to log in to my account online to request a withdrawal or pay a bill.
Consumer complaint received 2023-01-05
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. (TX)

Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the XXXX portal under my login, so theres no reason for XXXX to request verification docs.
Consumer complaint received 2023-01-05
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. (NJ)

XXXX XXXX has violated my right under the FCRA Accounts # XXXX XXXX Amount {$1400.00} Opened XX/XX/2021 Accounts # XXXX XXXX Amount {$1700.00} Opened XX/XX/2021 The above listed accounts were Charged-Off, however XXXX failed to provide me with 1099-C form for tax purposes. Secondly, they are reporting a balance amount on a charged off account that should be XXXX balance. 
These two accounts were over 75 % paid off before XXXX XXXX XXXX XXXX XXXX i infomed the company of my situation, they agreed to give me more time but didn't, the continued to bill my bank account until there was no more money then they charged off the account for over 400 % of the remaining balance. 
this is evil, unethical and illegal in my judgement. 
This is indirect violation of my rights under the law. Please help me, this is destroying my life and hurting my family. Thank you..
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To remove all fraud alerts from all three credit reports and to remove lifts. Also my legal name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX not XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX so please correct it
Consumer complaint received 2020-05-20
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2023 someone sent funds to my PayPal account for goods and services that I did not provide. Immediately, PayPal was notified and it was requested that they cancel the transaction and refund the sender. Through a series of phone calls, spanning several hours, PayPal confirmed that the transaction would be cancelled and returned to sender. Instead, PayPal - unauthorized - went into my checking account and " refunded '' the sender by taking my personal funds. This is a gross overstep of their use of my personal account information. I am requesting that PayPal cancel the transaction and return funds to the sender WITHOUT taking money from me, that I have not received, from my checking account. PAYPAL HAS THE FUNDS SITTING IN PAYPAL, AS WELL AS THE FUNDS THEY HAVE STOLEN FROM MY CHECKING ACCOUNT.