davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I sent a payment of {$550.00} to XXXX XXXX XXXX, from church donations on XX/XX/XXXX. The amount was immediately taken from my account, with additional fees that total {$21.00} but has not been released to XXXX as of today, XX/XX/XXXX. I've since sent the same amount, using an alternate method. I've reached out to PayPal to ask that they release the funds, as has XXXX. I've been told that the funds can not be refunded to me because they've been released to the seller, which isn't true. XXXX was told that he can not access the funds as the seller and was provided with a list of generic reasons for withholding, that do not contain any process to rectify the issue. Today, on a call with XXXX in PayPal 's customer service department, I was told that PayPal can not do anything until after 180 days and can hold the money indefinitely. The bottom of the transaction email states that I have 180 days to dispute a transaction- I feel like PayPal is attempting to keep funds that aren't theirs by delaying recourse, believing that I won't take action. These funds belong to my church and are intended to support orphans. PayPal seems content with literally stealing from the mouths of babes. This is not acceptable. Both XXXX & I have attempted to resolve this matter with PayPal directly, but they seem to be intent on holding these funds until beyond 180 days to prevent paying or refunding monies it has not earned. The 180 days expires on XX/XX/XXXX - a little more than a month from today. It is ridiculous that a company of its size would attempt to steal $ XXXX from a church and the orphanage it supports. I appreciate any assistance the CFPB can offer to resolve this matter, but ultimately am seeking a return of the funds and service fees paid - which I'm sure XXXX will approve or immediate release of the funds directly to XXXX. Otherwise, we will have no choice but to seek legal action - to the fullest extent that criminal and civil courts will allow, as these actions constitute theft. Regardless the amount, it is theft.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

About a month ago I mailed a dispute letter to Equifax reporting inaccuracies found on my consumer credit report. I have not received a response and my Equifax report is still showing inaccuracies. This is a violation based on 15 USC 1681 ( i ). As a federally protected consumer and based on the attached reports, Equifax violates the following : 15 USC 1681 - Accuracy - for failing to maintain accuracy of reporting based on the attached documents highlighting inaccuracy of reporting : 1 ) employment history 2 ) credit score 3 ) address history 4 ) number of late payments 5 ) account number 6 ) date reported 7 ) inquiries 8 ) payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 9 ) days late 10 ) late payments. 

The FCRA requires the information furnished on the consumer report to be accurate and complete, to include the account number if it is reported. In addition to the numerous inaccuracies reported, Equifax is only reporting the I.I.N. ( Issuer Identification Number ) or B.I.N. ( bank Identification Number ) of the card/account number, it is impossible to determine if this account is even mine. 

Equifax is also in violation of 15 USC 1681 ( b ) - Permissible Purposes. Equifax has never received permissible purpose to furnish any information on/to my consumer report. Also Equifax violates 15 USC 1681 ( b ) - Permissible Purposes- due do furnishing inquiries on my consumer report that are not open accounts. Unless Equifax can provide documentation verifying that I, the consumer, have an open account with any company listed as an inquiry, the inquiries. 

Equifax also violates the Privates Act of XX/XX/1974 ( 5 USC 552 ( a ) by obtaining all address through a third party agency.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MD)

XXXX XXXX  me and my family received our refund of {$14000.00}. XXXX XXXX  through XXXX XXXX  me and my family did a little shopping for the XXXX we also paid a bill much needed, the bill paid didnt post right away because it usually takes about 3 days to post or for the bank to pull the money from the account. When XX/XX/XXXX came I was restricted from my account and my funds was frozen. This was ver disappointing and stressful. Email after email I sent. Call after call and each time I was given no further information or explanation to whats going on with my account or my families money.I continue to get more emails speaking of my case being escalated and further restrictions until the finally permanently deactivated my account. I sent all the information that was asked for immediately. Inside my emails I explained time and time again that the funds deposited to my account where my families, we where using the funds how we seen fit during the days of the so called suspicious activity, I also explained that my remaining balance should be sent to me or free up for transfer out of there account.upon further research me and my wife has found that this is an normal move for venmo, we found that a huge percentage of people have and are taking law action against the venmo co for these same actions. As soon as a user receives a huge or good enough deposit or transfer Venmo restricts them and freezes their account, with no actual true reason just using false information and holding on and stealing peoples money. They send you through a 180 day wait in case of theft prevention and when the 180 days are up, no one ever gets their funds back.This isnt fair, its theft and it seems like an pyramid scheme of some sort right before the holidays. I spoke to council and was told to put in my claim here first. My remaining balance is over {$8000.00}
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2023-12-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HOMEOWNERS FINANCIAL GROUP USA (FL)

I am a closing attorney and closed on a VA loan with XXXX XXXX with Homeowners Financial. XXXX repeatedly directed me to share information with a non attorney in fact, non-borrower, and non-purchaser of this loan. XXXX was unprofessional and unethical, claiming that her company approved an unexecuted power of attorney for use. When I refused to comply with XXXX and her teams unethical and possibly fraudulent requests, she and her staff verbally threatened to " pull '' the closing from me and for the borrower to switch title companies. XXXX and her team has me email closing documents for electronic signature to an email address that did not belong to the borrower or the purchaser on the contract. The realtor charged a VA borrower a broker transaction fee and the lender allowed this charge to remain. The borrower received a refund at closing and XXXX directed me to mail the check to an address where the borrower was not located so that his spouse could endorse the check and deposit it. I do not think that XXXX XXXX and her team follows any rules or regulations. We closed on XX/XX/2023 and I am located in Florida. When the check did not arrive in North Carolina, the borrower and purchaser is currently station in California, XXXX and her team accused myself of stealing the borrower 's funds. Yesterday I personally spoke to the borrower and he apologized for XXXX 's behavior as he had no clue that this was happening " on his behalf ''. XXXX and her team works for Homeowners XXXX and her NMLS # is XXXX. I believe that XXXX 's actions during this closing is a pattern of having non attorney in facts sign closing documents and receive loan information that they should not be privy to. Thank you.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

I keep receiving letters from Mr Cooper regarding my home insurance. They keep saying I don't have insurance and they are going to force me to take one they choose. I can't talk to anyone. I can't get past their " loan verification '' system with my SS or my loan number. Have tried to Chat but just get a message that they can't help me. I have no way to take care of this problem when communication with the company is impossible. I NEED to know if they have record of my home owners insurance. 


XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NY)

Westlake financial entered a 36 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additinally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Contact Info Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-14
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)

I have disputed these account for the last XXXX months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (TX)

I am writing to lodge a formal complaint against Shellpoint Mortgage Servicing for its alarming and unfair practices during the COVID-19 forbearance period, as well as its improper foreclosure filing. This situation has placed an undue burden on me, and I believe Shellpoint Mortgage Servicing has violated key regulations set forth by your agency. 

During the COVID-19 forbearance, I entered into an agreement with Shellpoint Mortgage Servicing to temporarily pause my mortgage payments due to pandemic-related financial challenges. Despite my willingness and ability to make payments, I encountered significant barriers intentionally set by Shellpoint Mortgage Servicing. Specifically, the company has a practice of not allowing online payments, a crucial method that many homeowners rely on. Moreover, Shellpoint Mortgage Servicing failed to proactively provide viable options for making payments or communicate the end of the forbearance period. 

In my attempts to address these issues, I communicated both in writing and over the phone with Shellpoint Mortgage Servicing, explicitly stating my challenges with making online payments. Unfortunately, Shellpoint Mortgage Servicing did not take appropriate steps to accommodate my needs or provide any alternative solutions nor the necessary information to avoid potential negative consequences. 

To my dismay, I discovered that Shellpoint Mortgage Servicing improperly reported my account as past due and initiated foreclosure proceedings against my property. This unjust action has not only damaged my credit but has added an unnecessary burden on homeowners like myself who are fully capable and willing to make payments but face intentional barriers set by the lender.

I am formally requesting that the Consumer Financial Protection Bureau thoroughly review this matter and take decisive action to ensure Shellpoint Mortgage Servicing complies with your agency 's guidelines. This practice not only jeopardizes the financial well-being of homeowners but also goes against the spirit of the protections put in place during the COVID-19 pandemic.

Enclosed with this complaint, you will find relevant documentation, including records of communication with Shellpoint Mortgage Servicing, foreclosure notices, and any other pertinent information that may assist in your investigation. 

I implore the Consumer Financial Protection Bureau to intervene and address these unjust practices promptly. Your attention to this matter is crucial in protecting the rights and financial stability of homeowners facing challenges during these unprecedented times.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

please note XXXX XXXX XXXXXXXX and TD Bank reported a 30 day late on my credit. This is a mistake and should be corrected. 
I was deployed overseas when the late was incurred due to a baking error. 
Please see attached notorized letter and my US army credentials.
Consumer complaint received 2024-01-05
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. (FL)

In accordance with the FCRA, I requested proof that the information was verified. XXXX XXXX XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my I.D . Thank you for your time and attention.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (SC)

I paid for concert tickets from my checking account over 9 months. The monies were taken out each month, then I did XXXX separate charges for additional tickets and a camping site. Two months before the XXXX XXXX XXXX XXXX IN VIRGINIA, I had to go to a work meeting, so I sold the tickets through XXXX XXXX XXXX XXXXXXXX XXXX  WEBSITE TO : XXXX, THIS IS WHO THEY USE. THE TICKETS WERE SOLD BY XXXX 
My tickets sold in less than 2 mins. i was immediately emailed that I would get my refund of {$3100.00} on XX/XX/2023, AFTER THE CONCERT. my tickets were sold to another person. The concert was from XX/XX/XXXX through the XXXX. 2023 I NEVER RECEIVED MY MONEY BACK. I HAVE THE EMAIL THAT STATES IT WOULD BE RETURNED VIA XXXX, WHICH WAS FINE BUT I NEVER RECEIVED IT. I HAVE EMAILED AND CALLED ALL THREE PARTIES WITH NO HELP OR ANSWERS. I FILED A CLAIM WITH TRUIST BANK AND THEY DENIED IT. WHICH IS CRAZY BECAUSE I PAID FOR A SERVICE I NEVER GOT. I HAVE ALL THE EMAILS, THE POSTS THAT THE CONCERT VENUE POSTED, ETC. I NEED MY HARD-EARNED MONEY RETURNED TO ME. PLEASE HELP ME. It is now XX/XX/2023, and I have had no money returned, replies, or help. How can this be legal? I am reading that many of the concertgoers are getting their money back. I am so upset my bank will not help me.
Consumer complaint received 2023-08-29
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my name 2 ) current address 3 ) Remove my previous addresses 4 ) Remove employers 5 ) Delete these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

NelNet makes paying back loans unnecessarily and excessively difficult. Their practices are both unfair and deceptive to the consumer. 

For Example : Although I pay SIGNIFICANTLY more per month than I owe and well more than the interest charged in a given month, I am still, somehow, accruing interest. Further, you can not set up that amount on autopay if you want to pay over the amount due monthly. Instead, you have to log in to make that payment manually. When making that payment, if you want to specify where that payment should go ( which loan, principal or interest, etc. ), you have to call Nelnet to do so. Unfortunately, NelNet 's customer service is so horrendously bad that I have repeatedly sat on hold with them for up to XXXX hours at a time, only to be hung up on by what I assume is the machine before ever talking to a human. They SAY you can specify where your payments go, but in practice, it's impossible to get them on the phone. When you DO get them on the phone, it's clear they are both understaffed and untrained. NelNet representatives have given me incorrect and contradictory information. When I informed them of the correct information, as per their own website, they had no idea what I was talking about.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (WI)

On XX/XX/XXXX, somebody hacked into my account at Money Network and transferred {$3000.00} into their own personal account. I can still currently see their banking information on my bank app. I found out about this on XX/XX/XXXX, and immediately called the bank. They had me file a dispute. At that time, I assumed that the situation should be able to be resolved quickly due to the fact that I discovered it right away. I received a dispute form in the mail on XX/XX/XXXX, and filled it out and mailed it back immediately. On XX/XX/XXXX, I received a letter stating that the dispute was cancelled. They had not even received my dispute form at that time, so I don't know how they could cancel it. The letter stated that I had the right to request copies of documentation utilized to make their decision. I called back, and requested the documentation. I also opened a new dispute at that time. They never sent me any documentation, and immediately cancelled the new dispute. On XX/XX/XXXX, I filed a police report concerning the issue. I would have done it sooner, but I really thought it would be easily resolved. Eventually, I found a number for XXXX, which is the parent company of Money Network. I made a complaint with them around XXXX of XXXX, and opened another dispute with the bank. The bank then requested copies of the police report around XX/XX/XXXX. After about 6 months of waiting for resolution, they finally told me that they had cancelled this dispute as well. As with the other disputes, they refused to send me any documentation when I requested it. All they would tell me over the phone was that the person that was supposed to receive the money did.