davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Mortgage issuer : Flagstar Date : XX/XX/XXXX- XX/XX/XXXX I am a higher savings, lower income individual ( due to the pandemic related job changes and layoffs ). Me and my wife at the time bought a place in XXXX NJ in XXXX and financed XXXX. We have never missed a single payment on this loan in the past 5 years. I currently run my own online business. The original loan had both me and my ex-wife as borrowers listed on the loan. 

Following my divorce and per our divorce agreement, I issued a loan assumption request ( to only have my name on the loan ) for our 15 year conventional mortgage, which had about XXXX remaining. The link to initiate this request was hidden on the website and took some time to find it. Then I was referred to a loan assumption XXXX ( XXXX XXXX ). After being referred to the credit decision team ( XXXX XXXX and XXXX XXXX XXXX ) and completing the documentation request in XX/XX/XXXX, I received a decision on XX/XX/XXXX that I was denied my assumption request. 

This letter stated that I had a XXXX XXXX of XXXX and cited the following for the adverse action : - Excessive obligations in relation to income - Insufficient income for mortgage payment The credit score metric they used was not found " high enough '' for the following reasons : - Too many inquiries last 12 months - Length of time accounts have been established - Amount owned on revolving accounts is too high - Length of time revolving accounts have been established I literally have had the same XXXX credit cards for 15 years where I revolve a balance of {$1500.00} per month with no missed payments. 

My requests to appeal and have them communicate & revise their logic in making this decision have not been answered. 

As I have a friend who got approved for a XXXX loan with less income and smaller credit score, I find this predatory. It doesn't take a genius to see that the company is trying to refuse, with no ground, an assumption request for a loan with 3.25 % in interest rate and twisting my arm to refinance at the rate of 6 % instead. I am hopeful there are legal protections for consumers on this matter. 

I need your support and guidance on this. 
Thank you
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc. (CA)

Contacted by collection agency H.P Sears about a debt I supposedly owed to a former property management agency. XXXX property management. In the amount of {$4300.00}. That was XXXX XXXX, 2015. It was the first time I ever heard about it. I was never contacted by XXXX property management or anyone else about this supposed debt until that day. So at first I thought it was a scam because he could not tell me why I owed so much. He just wanted me to pay it. Then went on to use threats of legal action from there legal department. I said I would not pay anything until I knew what I was paying for. Then he said it was for rent in the month of XXXX 2015 which is XXXX dollars but he said back rent was over XXXX dollars. I said I moved XXXX XXXX, 2015. How could I owe XXXX dollars? They kept my deposit. He said there was no deposit. I said Ok let 's move on what is the other XXXX dollars for? He said I do n't know but I will call you back in XXXX days with a itemized list I said OK do that. At this point I really though it was a scam but he calls back the next day and says he has the itemized list. I asked what was on it, he said about XXXX was for back rent XXXX for broken widows. There was no broken windows. I believe XXXX for screens and another XXXX for carpet cleaning and XXXX for labor but he could n't tell me what was fixed. I started to dispute charges and he said it better I do n't fight it. The best thing for me to do is is accept it and make an offer to them for XXXX dollars. I told him I thought this is a scam I never heard of this debt it 's been XXXX months the last time I spoke to anyone from the property management company all they said is that they needed the other set of keys. He said ok. I hung up and thought nothing else of it until I was checking my credit report and saw that XXXX was sent to XXXX credit reporting agencies. Like I said I never received a letter a phone call nothing. I do n't know how long the home was empty after I moved out. We had a brake in while I lived there and put in a alarm system. Someone could have broken in after I left. That does n't mean I 'm responsible for the damages and it 's unfair to try to make me pay for it. There were a few things wrong with the house so a representative form the property management company came by a few times and noted how well we kept up the house. Me and my roommate are both XXXX we were hardly even at home. If there was that much damage why not contact me right away so we could deal with it then not three months later. Because there was no damages that 's why.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX To whom it may concern, On XX/XX/2023 I applied for credit for my XXXX XXXX XXXX XXXX I received this attached letter of denial and was very concerned about the denial reason given. Such as Derogatory XXXX XXXX, XXXX many inquiries, proportion of loan balances to loan amount too high etc. 

Right away, this alarmed me because this is my second year in business and I just started to establish credit for my business. I have only one American Express Platinum with no balance! 

This led me to check my credit and sure enough, this company has ran my credit without my permission and this is a violation of the fair credit act! I am asking this company to remove all unauthorized inquiries on my credit, which has affected my credit score. 

My business is separate from my personal life and you are out of order, running my person credit to determine whether to grant me credit. I clearly stated on the applications my company name, my business EID #, the application would not let me move forward unless I put my Social security number in the field, I can remember thinking, I hope they dont dry to be slick and use my social security number and that is just what happen. 

I am disputing these inquiring and filing a complaint for because this is the second time this week this has happen, therefore I believe this is done in all cases when businesses apply for credit, and it is not fair, in fact, it discrimination! 

Thank You, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: M&T BANK CORPORATION (NH)

In XXXX of XXXX our business discovered that we had been charged {$200.00} for XXXX XXXX XXXX. After looking into this, we have been paying a merchant processing fee to this company since XXXX of XXXX. We have a XXXX  store and have used square credit card processing since the first day. We have never received a processing terminal from them nor used their services. After calling and spending many many hours on the phone we have heard varying things from Peoples United Billing Services. One representative has stated that clearly this account was supposed to have been closed in XXXX of XXXX and we should receive a full refund as we have never used any of their services. They are alleging we signed some sort of contract which they are unable to provide. M & T Bank has now acquired Peoples United Bank and they are telling us that " fraud reporting '' can only go back 90 days. The total is {$2900.00} They are refusing to provide a contract because there never WAS a contract and this is fraudulent activity. We have little recourse because the company that is dealing with this issue OWNS the processing company
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

CREDITOR / DATE OF INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (SC)

I filed a dispute with Paypal for unauthorized transaction on because my card was stolen. I was told I would hear back from them within 9 days. Later I was told that the dispute was closed in my favor. I never received the funds for the dispute, and I also requested credits. I called Paypal XX/XX/22 and they transferred me around for almost 2 hrs and then proceeded to hang up on me without solving my issue or crediting me. Paypal has not followed the billing error procedures. If Paypal can not make this right I want the pursue arbitration for breach of contract and breach of warranty.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Over the last decade, i have sent credit card payment to capital one XXXX  days before due date. it arrived in XXXX to XXXX  days, which is same as XXXX  payment also in XXXX XXXX, ill. further verification is electrical cancellation of checks from my account. my XX/XX/2022 did not clear my account for 12 days. then my XX/XX/2022 bill was assessed a {$5.00} interest charge and {$25.00} late fee. i had postal service my track my XXXX through XXXX payments. these arrived within 3 days and was signed by a capital one employee. then i stopped tracking and my next bills were assessed additional fees.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing currently service my loan I 've been trying to request the PMI cancelation since XXXX 2015 After multiple attempts they finally confirm receipt of the necessary paper work in XXXX 2015. 
I called them several times to follow up.. and even though my balance is under 80 % of the original appraisal they told me that they need to request a new appraisal that I need to pay for I agreed to that and now it has been 3 weeks I called them several times and an appraiser have not even contacted me and every time I call they tell me to wait 5 business days for resolutions and they are going to escalate etc ... but nothing is happening. please help me if you can ..thanks
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have filed disputes with all XXXX of the XXXX XXXX XXXXo remove all addresses and misspellings of my name and yet they keep coming back and keep showing up I have filed dispute letters, and yet of no avail.
Consumer complaint received 2023-01-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2016-11-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MA)

My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. 
My collection account keeps getting sold from XXXX collection company to the next.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd. (VA)

Wife is XXXX XXXX in XXXX they have been paid min on accounts told not to call and letters sent. Still call our home XXXX her cellXXXX now my business phone XXXX these XXXX are rude abusive XXXX.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Persolve, LLC - Legal - Series 2 (FL)

I had a settlement with Persolve Legal Group as a collection for a bank which was paid in full as agreed the first week of XXXX of 2022. I have written and called multiple times to get them to update my credit report showing the balance is now {$0.00} but they refuse to update this with the credit bureaus.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

This complaint was previously filed with PayPal and the CFPB per Complaint ID XXXX. When PayPal replied to the complaint with a non-sequitur, the CFPB improperly closed the complaint. This demonstrates a deficiency in the CFPB consumer reporting system.

The substance of the first complaint which remains unresolved is that the PayPal software platform permits unlimited numbers of pre-authorized invoices to be submitted for payment to user accounts with no recourse for users to report the pre-authorized invoices as fraudulent. In my case, XXXX such invoices were submitted for " XXXX XXXX '' when I did not engage any such company. Although I tried to report these invoices as fraudulent to PayPal using their Resolution Center, by calling customer service, and through their Chat Assistance, no support was provided. When I filed a complaint with the CFPB, PayPal responded with instructions to report the fraud using their Resolution Center. This is a non-sequitur because, as the information I provide pursuant to this complaint will demonstrate via attachments, the Resolution Center does not permit the reporting of pre-authorized invoices. When I tried to mitigate the impending fraud by removing payment methods stored with PayPal, I received a message that as long as inovices remained outstanding I was required to leave a payment method on file, nor was I permitted to close my PayPal consumer account.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. 

I complained to Capital One, which agreed to refund the late payment but not the interest. 

I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. 

I can provide complete documentation if needed.
Consumer complaint received 2015-09-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

Experion offer of free credit monitoring through XXXX. Never received credit report but got a lot of email advertising for credit cards. Then suddenly saw a debit pending on my bank account for {$21.00} from XXXX. I did not sign up for a membership and did not authorize this charge. Called them to demand they remove this charge and also called bank to dispute. I found in my research of consumerinfo.com, this has been a common practice with them and were actually fined by the FTC in XXXX for this very thing
Consumer complaint received 2023-01-10
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. (IL)

I identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documents were received by Equifax on XXXX XXXX XXXX So, by law, they should have been removed in 4 days which would have been XXXX XXXX XXXX It is now XXXX XXXX XXXX and Equifax has failed to remove them. 

I will be including the tracking data from the certified mail tracking number associated with this matter.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX 2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report