davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I will right this Complain To Explain to paypal That I didn't Violate any Rules And User Agreement To my account. First I use my account To recieve payment from my Buyers and Clients.I use this As My only Payment method for my business and also for my work in XXXX. In XXXX XXXX I recieved 2 payments which {$6.00} and {$9.00} which is so small amount of money right?. Where Did the Violation on that Thing?. I didn't Sell any illegal Items And I can prove it through Sending legal documents. I can upload the Nature of my business and work. The problem here is Paypal Banned me Quickly without any further assessment notification. Please review This ASAP because I dont want to open Another Paypal Again to suffer from Hold I use my Money to Help my Family in our daily needs and If paypal continue to ban my Account it will wreck My work and my business please consider that paypal team. 

Heres the reference ID for this Email. 
You can no longer do business with PayPal ( Ref ID - XXXX ) Sincerely Yours, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (WA)

Since XXXX  I have been locked out of my account so frequently that I don't have the exact dates. Last year it was all summer off and on for a three month period. This time I have been locked out of SSI Direct Express for more than one month. I have been evicted, unable to get my car out of impound, eat, and " daily living '' skills are not applied as my money is more than not frozenby direct express without explanation, notice, orfeaudelent activity. There has been no suspicious activity by myself. I am now rendered homeless. I have not received anything in writing, norhas any investigations taken place. I ask for that information and I am not give an answer. Often documentation I send Direct Express is denied when social security and the department of social services views my identification and tellsmeitisvalid. Social security says that they can no longer help me. I am borrowing money and doing without. Please help me. I amat a total loss as to what ro do andstronglyfeel myrights are being stepped on and that access to my account is not by me, Comerica the bank on emailed my debit card to another address in XXXX XXXX. Please help me regain my rights. They won't allow me to lose my account because they said I can not have my money that legally and rightfully belongs to me.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

The mortgage servicer of my condominium unit, Specialized Loan Servicing ( " SLS '' ) recalculated my tax escrow requirement and sent me a notice on XX/XX/2023 to inform me that the mandated real estate tax escrow payment for my loan was being increased from {$460.00} to {$850.00} per month. Promptly upon receipt, I called XXXX and spoke to a representative to inform them that the escrow calculations were erroneous. 

In XXXX XXXX, Illinois, taxes are paid in two installments ( in arrears ) for the prior year 's taxes. Instead of including only two tax installments, the calculations incorrectly include three installments of : {$2800.00} ( XX/XX/2023 ), {$3600.00} ( XX/XX/2023 ) and {$3600.00} ( XX/XX/2023 ), a clear error. Total taxes for the year should be {$6700.00}, {$10000.00}. 

I informed the representative of SLS of the error and he acknowledged the error. He promised that the error would be corrected. Instead, my request has been ignored and the escrow calculations have not been corrected. SLS has refused to correct the error.

Instead, I have now received an invoice for the incorrect escrow amount and am being threatened with penalties, late charges and possible foreclosure if the erroneous escrow payment of $ XXXX is not received by XX/XX/2023. 

Nobody from SLS has contacted me and I have not received a corrected escrow statement. These folks are completely trying to take and hold my money and not responding. They want to collect escrow of over 150 % of my actual taxes.
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-02-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-02-09
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2018-08-22
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: Equitable Acceptance Corp (CA)

I applied for a loan to purchase a ticket to a XXXX XXXX event. The company Equitable Acceptance is the financing company which XXXX XXXX uses. Initially they pulled my credit report in XX/XX/2017 to see if I was eligible for financing and I was approved for the loan. However, they pulled another hard inquiry again in XXXX which I dont know why and I did not allow. Since then, the loan has been completely paid off years before the due date.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Services has failed to allow me to be reviewed for all potential retention options on my mortgage loan. They received millions of dollars of tax payer money, but have kept me at bay for assistance for over four years. I have been through some very difficult times personally and professionally, but am back on my feet and can make a reasonable mortgage payment, if given the opportunity. I am finding it impossible to engage SPS in a constructive conversation to bring my mortgage loan current. SPS seems to want to help since I continually receive letters from them stating they are interested in helping me with my loan and their representatives seem to be trying to get me into a modification. However, their entire process falls apart and my application process never gets beyond the application stage. I am not sure if their representatives can not get the job done or if their process lacks the structural integrity to get me through to modifying my loan, but I am at the point where I would like your office 's assistance to ensure my requests for help gets through the review process of SPS. I have an assigned single point of contact, but they have blocked every effort I have made to save my home. I have never had a full review of my loan for mortgage assistance options. 

Life was going very well until I the company I was working for closed its ' doors in XXXX and I had a hard time finding employment. I paid on my mortgage as best I could, but couldn't keep up. I reached out to get SPS to work with me on a modification, but the process went nowhere and they advised me to stop making payments to get assistance. This was bad advice and now I have a foreclosure date on XX/XX/XXXX. 

I have landed on my feet and am making significantly more income. I also have my husband 's income and our combined income fits into guidelines to qualify for assistance. I want to save my home and I want a review based on my current income. 
The representative I speak with didn't give me any opportunities or chances to resolve this issue and instead make excuses for why I am not getting a review. I am running out of time and am afraid that the big banks are still rolling through homeowners and putting them on the streets instead of doing the work to help them.
Consumer complaint received 2024-11-03
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. (IL)

I am writing to formally request the blocking and deletion of certain accounts from my credit report due to being a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that any accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The following account is to be addressed : Inquiries : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year>
Consumer complaint received 2018-08-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (OH)

My complaint is directed at the American Education Services. I have four XXXX student loans through XXXX. I have entered repayment recently. I have to contact AES for all of my loan repayment options. I first have the question of, how is it right for me to have a loan with XXXX, but have to go through a third party lender? 

My first conversatino was in spring ( between XXXX and XXXX ) of 2018. One of my four loans became due suddenly. I spent many occasions on the AES website, but I can not see anything about my account besides how much is due and make a payment. If I want any information on repayment options, deferment, or any information on my loans I have to call AES. The individual on the phone told me I had to defer my loans. I did as she told me, as I was still part time in XXXX  school, and working at a XXXX ( 13 month temporary paid job ). 

I call again in XXXX or XXXX of 2018. Now the other three of my loans are coming due. I am running out of deferment on my first loan but I can defer my last 3 loans. This representative tells me I should try to fill out a form explaining the fellowship. XXXX has a program that may allow me to not enter repayment until after the fellowship. 

As I am trying to get this paperwork taken care of I call again ( XX/XX/2018 ), because my loans were coming due and we still haven't gotten the fellowship document filled out and approved. This man explains that I should actually try to go into a grace period. This wouldn't use any of my deferment or forbearance, just extends the grace period. This is the first time I have heard this option, so we go through with this application process. 

I then ask the representative why one loan came due before the three others. He doesn't know why. Says my separation date is different on this loan than the others. It appears the separation date was updated- but to the same exact date it was before which would have been for my XXXX career. He had to submit my account for review. 

I have used so much of my deferment thus far. It is not right for me to not see the options on my own loan. I have to call AES and depend on their representative to not only understand my loans but also present me with all of my options. Every time I am on the phone I am consistently put on hold so that representative can do research into what programs XXXX offers. 

In conclusion : AES is should not be allowed to administer my repayment since they do not have any idea what my loan is like. I should also be allowed to see all of my options so that I can not only know what they are but also make an educated decision as to what to do. I believe AES has given me incorrect legally binding financial advise.
Consumer complaint received 2023-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (CO)

I was contacted by a debt collection company collecting for Check into Cash in XX/XX/XXXX. I was informed of an outstanding debt of XXXX and entered into a payment agreement with the debt collection company. In XX/XX/XXXX I received documentation that the debt had been paid and that the issue was resolved. Since this point, I have had XXXX other companies reach out to me to collect on this debt. The latest was on XX/XX/XXXX. I feel that Check into cash is selling incorrect information to XXXX-party vendors for debt collection purposes.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am in conflict with two ( 2 ) accounts that is reporting on my XXXX and XXXX XXXX credit consumer report. 
Named account XXXX. 
I had gone to the emergency room visit in XXXX FL. XXXX XXXX XXXX  around XXXX where my visit was paid for by my health insurance - However unbeknownst to me the emergency room doctors were not, I was not told this by XXXX XXXX XXXX   at time of admittance. NOT FAIR. 
Now these two XXXX accounts listed on my reports is now affecting my life. 
I was refused due to a background credit check because of this issue, of all places mobile home park to reside in. 
I became XXXX XX/XX/2013, but my day in court was literally 4 years later. 
Nobody is sympathetic that at the time I needed the medical care, while doctors are working as " Sub Contractors '' in the emergency at time of my need, and was not informed. no mention of a payment plan from XXXX. Doctor/s did not get paid on their time line so I was reported to their medical collectors, " XXXX '' The sign on the wall of the emergency room reads, and I'm paraphrasing, Everybody will be seen by a doctor, no matter of ability to pay at the time. 

XXXX XXXX can not pull back my account from XXXX, because the doctor 's reported me and they are somehow not affiliated with the XXXX?! This makes no sense. Now it is too late to make payment arrangements because XXXX is all scripted robot humans whom only want payment in full.
Consumer complaint received 2018-08-24
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: CAINE & WEINER COMPANY, INC. (PA)

Caine and Wiener have NEVER SENT ANY CORRESPONDENCE TO MY HOME ADDRESS, this is NOT MY ACCOUNT, I have reached out to them on many occasions only to be told this is my account, THIS IS NOT MY ACCOUNT, AND I WANT IT REMOVED AND DELETED FROM MY CREDIT REPORT, I AM A VICTIM OF IDENTITY THEFT AND HAVE SENT THEM THE COPY OF THE FTC REPORT AS WELL WITH NO RESPONSE, I ALSO FILED A CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX AND IT WAS CONVERTED TO A CHAPTER XXXX ON XX/XX/XXXX WHICH I INCLUDED THIS ACCOUNT ( ONLY REASON I INCLUDED IT WAS BECAUSE THEY WERE AND STILL ARE REFUSING TO HAVE THIS DELETED FROM MY CREDIT FILE, PER MY ATTORNEY INCLUDE IT WITH THE BANKRUPTCY SINCE ALL INFORMATION I MYSELF, ATTORNEY AND TRUSTEE HAVE SUBMITTED TO CAINE AND WEINER WITH NO RESPONSE, I WANT THIS ACCOUNT TAKEN CARE OF AND DELETED FROM MY CREDIT FILE.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed a charitable scholarship fund due to lack of paperwork on the account and the check they provide was not good. I received an " unable to locate account '' from my new back. Bank of America owes our scholarship fund XXXX. I worked with them for 3 months and gave them everything they requested and each time they indicated all was fine until XXXX, when I received a check in the mail for the amount XXXX ( Balance in the account ), indicating they closed the account. At least 6 calls to their back office and 3 visits to the local branch and it produced nothing to keep the account open. The account was out of compliance because they lost the paperwork between changing systems over the years yet it is our ( consumer 's ) fault they are unable to maintain paperwork. Their back office is a complete mess and their people are poorly trained. They are engaging Robo Closing of our accounts due to their incompetence.
Consumer complaint received 2023-02-09
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. (NC)

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.
Consumer complaint received 2023-02-08
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. (NY)

Several attempts have been made to recieve validation of debt from all major credit bureaus and cfpb I have still not recieve vadilation of debt its been well over 90 days no action was taking per consumer law if debt is not validated within a cetain time frame its to be removed.