davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated (VA)

I have a Health Savings Account ( HSA ) with XXXX, a product provided by Conduent Inc. I have had this account since XXXX. I have had it linked to my checking account for deposits and withdrawals just as long, for at least 13 years. 

Recently I requested a transfer from my HSA to my bank account on file ( this was on XX/XX/XXXX ). Typically this will process in about 5 business days. 

ON XX/XX/XXXX ( 11 business days later ) this still showed " processing '' but they had not released my funds. I sent a message asking why and received the automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called the number, held for 40 minutes, then the line went dead. I sent another message asking for a call and received the same automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called again the next day and again, 45 minutes on hold, no answer. I sent another message - again the same exact response to call. 

It is impossible to submit a reply to any of these automated responses- the system acts as though it allows it however it does not allow any submission as a response. 

Finally, I was able to connect with a live representative. After verifying more information that I need to provide for anything else including : Name, Address, Date of Birth, Social Security Number, Account Number, Security code answer, destination bank account, exact dollar amount of request they refused to process and email and phone number - finally the person told me the funds were held because of potential " suspicious activity. '' The activity in question was a reimbursement as I process each and every year, requested by me on my online access to the same bank account that has been on file for over a decade. Rather than contacting me to affirm this was a legitimate request- they refused to do so. They refused to contact me on the phone when requested 3 separate times. They do not answer the phone ( or at least it takes extreme luck to get to a live operator ). It was clear to me they are incapable of allowing the customers who have funds in accounts with them to access their funds.

This is unacceptable. They charge a monthly fee. They pay XXXX interest ( or in all honesty, 0.04 % ) when a savings account pays 4 %. They are clearly making money on the float, and the refusal to allow customers to access their money or providing any clear manner for them to address such an issue is inexcusable.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Security National Financial Corp (TN)

The following complaint is being written because I feel like there has been some unfair practices exercised by my mortgage company which is Security National Mortgage and the appraiser hired by them to conduct an appraisal on my home for the purpose of removing my Primary Mortgage Insurance ( PMI ). Initially after four months of requesting an appraisal on my house it was only granted after I filed a complaint with the Attorney General for the state of Tennessee. I was charged almost a {$1000.00} dollar to pay for an appraisal that was chosen by my mortgage company. I was informed by my mortgage company that my PMI could only be dropped, if my LTV was 75.00 % because my loan wasn't more than five years old, although in my closing documents it states that my LTV has to be 80 %. The appraisal was conducted on XXXXXXXX XXXX XXXX and on XXXXXXXX XXXX XXXX I was notified by Security National Mortgage that I did not meet the criteria because my LTV was only 75.70 % and not 75.00 % as a result of the appraisal. Upon reviewing the appraisal, I notice a couple of things that didn't add up, such as the square footage of my home and some comps that the appraiser used that were almost a year old. I found this odd because two previous appraiser had the square footage higher and closer to what the XXXX XXXX  Tax Assessor has recorded. I also, notice the appraiser chose two houses outside of my subdivision that had been appraised almost a year ago and less in value when there were two comps within a mile of my house that he could have used. This concerns me greatly, because I had a market analysis done on my home and it appears the appraiser may have under valued my house by more than a {$100000.00}. I have attached a copy of the dispute submitted to Security National Mortgage along with one previous appraisal conducted on the house at the time of purchase.
Consumer complaint received 2020-12-09
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. (CO)

Experian Credit Reporting company refused to " delete '' XXXX ( XXXX ) Hard Inquiries, both of which I've never applied for credit! Experian shows XXXX ( XXXX ) Hard Inquiry - XX/XX/XXXX from XXXX XXXX XXXX XXXX 
However, upon reviewing Experian 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's XXXX ( XXXX ) Hard Inquiries! The XXXX  is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to Experian and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " Experian '' can not and will not remove the XXXX incorrect Hard Inquiries. Experian doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT XXXX INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT EXPERIAN TO CRITIQUE THEIR XXXX  PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the XXXX Hard Inquiries that are on my Experian Credit Report. 
Moreover, I'm requesting AGAIN ( XXXX time ) for Experian Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my Experian Credit Report and ALL FORMS OF MY XXXX  SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

In XX/XX/2020, I requested a forbearance under the Cares Act, but was recently notified by PHH that my request was never received. I sent PHH a notice of error letting them know of this mishap and to request a forbearance again. They replied and said that because my loan is in foreclosure I don't qualify for a Cares Act forbearance. I sent a second notice of error pointing out their mistake and for the third time requesting a forbearance under the Cares Act and pointing them to the FHA rules and the Cares Act that says I am eligible regardless of delinquency status.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The problem that Im having with Portfolio Recovery Associates is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This is complaint about PayPal. I purchased " XXXX XXXX '' sunglasses on XX/XX/2020. It was supposed to arrive 7 days later. The glasses arrived over 2 months later on XX/XX/XXXX from XXXX and it was a counterfeit - cheap plastic fake counterfeit that was defrauding me as a customer and XXXX XXXX as a company. I contacted PayPal and initiated dispute ( XXXX ) to cancel the payment because it was a fraud and counterfeit and not what I ordered and not what was advertised by the company. After prolonged " investigation '' by PayPal they advised me that the XXXX company generously offered " full refund '' if I ship their counterfeit fake product back to them AT MY EXPENSE, which will cost more than {$70.00} to send back. I consider this " offer '' an insult. Because I refused to send the counterfeit product at my expense, PayPal denied my request for refund and closed my dispute. I think PayPal is aiding and abetting in fraud being perpetrated on American consumer by this criminal XXXX company.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (HI)

Hi CFPB, I am having a large issue with my Apple Credit Card.

I have had the card roughly a year. 

I have, and have always used, the full auto payment feature of the card. 

Each month I get statements. 

I have XXXX problems of varying severity : 1. If you add up the new charges on the statements, they do not add up to the amount they say it does 2. if you add up the online transactions they also do not match the statement amount 3. they say I am revolving a $ XXXX balance month to month but I am on full auto pay and can confirm each month it is set to pay the full balance. Even after a month of paying the full balance, they charge me another $ XXXX. It doesnt make any sense. 

4. when I texted them about it, they admitted it was broken, forwarded me to a manager and then the manager said that it is what it is. When I called about it they just hung up on me. Something is wrong. I am a very kind and polite person and this doesn't make any sense. I never was rude or yelled or was expressing my frustration I don't understand why they are treating me this way. 

something is seriously wrong with the apple credit card accounting and I am worried it is costing me hundreds of dollars because of their bug, and nobody in the support teams, not managers, not front line has any answer for it. 

I have more documentation I can upload but it says it has a XXXX limit, happy to upload any and all data : including statements, screenshots, call logs with support, text logs with support. 
I reached out to XXXX XXXX times across chat and phone, each time resulting in either " it is what it is '' or just straight up hanging up on me. which is odd bc nobody was rude, usually if people hang up on you they are rude to you, they just say oh ok I see your statements, then hang up. something is wrong here.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship yo it. Please remove the following information from my credit report immediately : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX  CA, XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im a victim of identity theft, some how my information got out. And was used to get Auto loans. Due to the FCRA, any fraudulent accounts must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All fraudulent accounts which i did not authorize. Please block and remove accounts
Consumer complaint received 2021-11-10
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. (FL)

Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to XXXX and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sirs, Despite my repeated efforts, TransUnion continues to report inaccurate information, which has caused me significant harm. I have sent multiple letters ( with attached certified mail proof marked as Transunion XXXX ) and have also submitted several complaints through the CFPB portal ( Cases numbers after this paragraph ). However, TransUnion has consistently responded by claiming they have " verified '' the account. This approach is both unnecessary and incorrect. The account should be deleted, as it contains severe inaccuracies that violate the law. 
Previous Cases, company did nothing : XXXX XXXX XXXX I hereby outline the inaccuracies reported by TransUnion, which are unrelated to any account verification processes that TransUnion has repeatedly and improperly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As demonstrated in the attached document marked TU XXXX Reporting Updates, TransUnion has been unlawfully updating a charged-off account on a monthly basis. This practice is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ). 
2. Inconsistent Reporting Across Credit Agencies : The attached document, marked XXXX Reporting Differences, clearly illustrates discrepancies between the reports from XXXX, TransUnion, and XXXX regarding the same account. Specifically, the Date Last Active is reported differently by each agency. Such inconsistencies are not only inaccurate but also constitute a violation of federal law under the FCRA. 
These actions by TransUnion are in direct contravention of the law, and I demand immediate deletion of this inaccurate account from my credit report. Failure to correct these inaccuracies may result in further legal action.
Consumer complaint received 2023-04-15
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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 XX/XX/XXXX.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 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: Experian Information Solutions Inc. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents 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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (SC)

OneMain have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; OneMain is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-25
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. (ME)

In accordance with the Fair Credit Reporting act XXXX Accounts, XXXX XXXX, Account number XXXX XXXX Account XXXX XXXX XXXX Account number 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 an account without my written instructions
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I paid nearly XXXX XXXX more at closing than what I was told and estimated.I could not get an exact reason why and the answers also kept changing on why. When I inquired about my costs during the closing process I was told it would go down and that is was not finalized, but this did not happen.
Consumer complaint received 2022-07-31
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: EQUIFAX, INC. (NY)

I've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!