davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Paypal Holdings, Inc (OH)

I have had a PayPal account for about 8 years now in good standing. Recently my account was locked and all of my funds are unavailable while it 's locked. They say they WILL NOT under any circumstances unlock my PayPal account or give me access to my funds until XXXX debts are paid from old PayPal accounts that do not even have my name on them, they are not mine and never were mine. This is in complete violation with the Fair Debt Collection Practices Act. I can not have my funds held and my account locked because of somebody elses debt. This is also defamation of character to insinuate that I actually abused their service somehow and in some way am attempting to avoid a debt or steal money. This PayPal account is what I use to run my business to earn a living to feed my family. It is utterly shocking that a company can do this to myself and many others with NO repercussions what so ever. I searched the internet and it seems that all these practices they are doing like this are in violation of XXXX thing or another, so why is this company continuing it 's underhanded practices without paying every time it 's found that they are in violation? This is enough to make anybody sick. ( I have not retained council, YET ), but I do have a legal team for my business and they are pushing me to sue instead of making all these attempts at getting a resolution. I hope this gets fixed because we are calculating ALL damages on a daily basis and right now we are already into several thousand dollars and XXXX lost employee. This is libelous plain and simple.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (VA)

Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you.
Consumer complaint received 2015-09-16
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Physicians & Dentists Credit Bureau (WA)

Collection agency has called me at my place of employment three times and was told each time to stop calling me at work. I have told them each time they may call me on my cell/home number, but only XXXX time was that done. Today was the third time they have called me at work and the third time I have told them to stop calling me at work.
Consumer complaint received 2015-11-12
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Liberty Home Equity Solutions, Inc. (CT)

In the XX/XX/2015 I applied for a HECM as power of attorney for my XXXX year old father. 
This loan was approved, closed in XXXX of 2015, and an initial draw was taken on XXXX XXXX, 2015. My father passed away on XXXX XXXX, 2015. Ever since this process has been a total nightmare. Monthly reverse mortgage statements continue to be mailed to my father 's previous address, delaying my receipt of what could be important information. The most recent statement includes a charge for another property appraisal, less than four months after the original property appraisal. Each month 's statement also includes a fee for property inspection ; I have no idea what this means and certainly was never informed of such a charge during the application or closing process. Most recently I was informed that propertyinsurance coverage has expired and the lender is going to buy said insurance. Again notice is sent to an address which is not mine delaying any response or corrective action. Moreover, I have not received any notice of insurance expiration from the insurer and have recently paid a premium installment. My original intent was to sell the property and repay the loan with the proceeds, but to get out from under this treatment I applied for and was approved for a home equity line of credit on my own residence. I want to be rid of this siituation and this company as soon as humanly possible.
Consumer complaint received 2015-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Reliable Credit Association, Inc. (WA)

I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/XXXX.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have XXXX credits with Capital One and each XXXX of them charges me {$55.00} dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and XXXX XXXX years old.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX Citibank is engaging in XXXX business practices by not allowing users to add their card to XXXX XXXX because they XXXX not want to pay XXXX fees. See other users complaints via link above.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I disputed the validity of a debt with Portfolio Recovery Associates. I received a letter stating the debt was valid and a credit card statement was attached. The statement was dated XXXX/XXXX/2007 with an amount owed of {$81.00}. This date is over 8 years old and the amount they claim I owe is {$470.00}. There is no explanation of the amount owed and it is over 8 years old.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (FL)

The Complainant engaged a lender, Prospect Mortgage, XXXX ( " Prospect '' ), to obtain financing on the purchase of a residence. The purpose of this complaint is to notify the CFPB that Prospect has refused to timely fund the Complainant 's loan pursuant to a Letter of Commitment. As a result, and as detailed below, Complainant is likely to incur significant financial damage. Complainant has reason to believe that Prospect does not have sufficient funds available to fund its loan commitments and/or engages in a practice of issuing more loan commitments than it is able to process. 

The Complainant engaged Prospect Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NMLS ID # XXXX, upon entering into a purchase agreement for a residence on or about XXXX XXXX, 2015. The Complainant hired Prospect based on their representations that they are XXXX of the nation 's leading residential lenders and are backed by {$5.00} XXXX in assets. 

At Prospect, the Complaint was assigned to loan officer XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX, Email : XXXXXXXXXXXX. 

On XXXX XXXX, 2015, Prospect Mortgage issued a Letter of Commitment that it would provide certain financing on or before XXXX XXXX, 2015. The Letter of Commitment is executed by XXXX XXXX. 

Despite the Complainant meeting all conditions under the Letter of Commitment, Prospect Mortgage is refusing to fund the loan by XXXX XXXX, 2015, because, according to XXXX XXXX, they are too " bogged down. '' Prospect informed the Complainant that they are unlikely to be able to fund the loan until XXXX XXXX, 2015. 

The purchase contract for the property has a closing date of on or before XXXX XXXX, 2015. Pursuant to the terms of the contract, the Complainant is obligated to close once he obtains a loan commitment. The contract further provides that the Complainant will lose his deposit funds of {$20000.00} in the event that he is unable to close by XXXX XXXX. Complainant will also incur the cost and inconvenience of having to locate and move into a rental property. As of the date of this complaint, the sellers have not agreed to extend the closing date. 

Complainant has informed Prospect of their legal obligation to provide funding pursuant to the terms of their loan commitment. Prospect has refused to acknowledge that their loan commitment obligates them to provide funding. More specifically, Prospect seems to be misinformed that they are permitted to delay funding of loans based on their own underwriting and investor delays. Prospect has admitted that they are not always able to timely fund their loans.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years!
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Mountain Land Collections, Inc. (UT)

First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX Clinic about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on XXXX XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.
Consumer complaint received 2024-08-14
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. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. The completed FTC Identity Theft Report. Copies of my identification documents. Any additional information requested by your office. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 
It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-13
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (TX)

My mother died on XXXX XXXX, 2015. I am the administrator of her estate. She had done a reverse mortgage with the lender RMS ( reverse mortgage solutions ). We have given the lender everything they have asked for and we are currently trying to sell the home ourselves. However, the lender will not communicate to me what the timeframe is that we have to sell the property. Can you help us get this information?
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX Balanced {$250.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$250.00XXXX XXXX XXXX  XXXX Balanced {$160.00} XXXX XXXX XXXX Balanced {$160.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX  XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balanced {$140.00} XXXX  XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX Balanced {$1500.00} XXXXXXXX XXXX  XXXX Balanced : {$8700.00} XXXX XXXX XXXX Balanced {$1500.00} XXXX XX/XX/year>
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Account from a cable company appears to be in collections with a balance of {$550.00}. However, I 've been on time with payments, and I called the cable company they said they have not sent any account under my name to collection. Also, this collection account has a different number from my original, and it just appears in XXXX credit report XXXX Equifax XXXX .I sent a dispute, but I havent gotten an answer yet. I would like this to be looked into please.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (NY)

I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue.
Consumer complaint received 2015-07-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I have a home equity loan with a company in XXXX, XXXX, Loan Care, who is horrible. Dealing with them has been a nightmare in general. Reaching them on the phone is difficult at best. I can almost never get in touch with a human being ; their automated phone system has perfected the art (? ) of the runaround. Back in 2009, I was told that I was {$13000.00} in arrears ( no foreclosure proceedings had been instituted ). My husband sent them the {$13000.00} and it was not applied to the loan ; it was put " in suspense '', whatever that means. I STILL have no idea where it went. My husband requested a copy of the original loan and we were sent a copy of the loan for someone in XXXX. We had very expensive plumbing problems this last year and got a little behind, so of course they began foreclosure proceedings. Well, that has been " resolved ''. The latest trick is that we have tried no less than XXXX times to request a payoff amount so we can get rid of the headache that Loan Care is, but I have yet to have received it. And again, it seems to be impossible to speak to an actual human being. To add insult to injury, they are also impacting my credit report. My congressman 's office tells me you can help me. I hope so. Please let me know what you need from me. 
Thank you for your time.
Consumer complaint received 2015-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I have had my accounts with Chase for years. I got a letter stating they decided to close my account and I called which at that time was told they did not have to disclose why and I requested to speak to a manager and was told nobody had to disclose why they decided to terminate our relationship. I was then put on hold for a hour which at that point I hung up the phone. I even have my auto loan with them. I am a great customer and feel like there is no reason my account should be closed with no explanation.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX  account # XXXX