davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

I paid off my mortgage on XX/XX/2021 and Cornerstone Home Lending was supposed to have refunded my escrow money. To date I have not received it. When I called them they told me that they issued 2 separate checks, one on XX/XX/2021 in the amount of {$6800.00} and a second check on XX/XX/2021 in the amount of {$5200.00}. To date I have not received either check. I asked for a postal tracking number and Cornerstone said that they don't mail that way. Cornerstone today when I called them XXXX XX/XX/2021 XXXX offered to stop payment on the {$6800.00} check and reissue it but they said that it won't go out until XX/XX/2021. I said DO NOT STOP payment, I will wait until this Monday, XX/XX/2021 to see if I receive it. If not I will call back to have it stopped. 
I do not believe that Cornerstone mailed any check to me. I think that this is a scam to ride the interest float on my money. Why can't they wire these funds to me? XXXX forbid if I was late with my mortgage payment they would've whacked me with interest and penalties. Hopefully you can light a fire under their corporate XXXX and get me my money asap. Thank you.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I paid TransUnion for the credit monitoring and identity theft program and since I have made the payment I can not log in. I tried calling and the only way to speak with someone is of I use the business options or the future business options and they send me back to the consumer side which doesnt allow me to talk with anyone nor does it let me send a message of any kind to get my problems taken care of!!!! This is absolutely ridiculous that as a consumer I have no support but if I was a business or partner I would be no problems getting support this is fraud and a form of discrimination against me because Im not a bussness and the fact that consumers are the ones that keep business open and pay their checks in a since we as the consumer should be more protected than the businesses that are preying on their own customers
Consumer complaint received 2021-04-24
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: Experian Information Solutions Inc. (CA)

I recently challenged the validity of these accounts thats being reported on my most recent credit report. Upon challenging this, XXXX XXXX XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was checking my credit to purchase a home, I found a debt for capital one credit card. I called the company and they told me that the card was close due to fraud. The representative told me not to worry about it and that it should fall off because of fraud. Now the debt shows up under XXXX and not on the rest of the credit bureau.
Consumer complaint received 2021-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity Theft I have contacted Transunion asking for validation of numerous items they are claiming are derogatory on my credit report they are claiming is mine on XX/XX/2021 via XXXX mail. Until this day I have not been provided a response I have mailed a letter to experian demanding validation and according to the FCRA experian has 30 days to reply. The date is now XX/XX/2021 according to the law they have had more than the allowable time to reply and failed. I now ask that the CFPB take matter into their hands and delete the negative items they are reporting on my report. Attached is a highlighted letter highlighting the numerous negative items on my report using the EOS language that I also sent to Transunion. I again request a deletion of all negative items they have been unable to verify this is causing me financial harm my next step is to fail a lawsuit against I companies involved.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (MD)

There has been an invasion of my individual privacy pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 by the debt collection company Synergetic Communication Inc. Congress states and has declared abusive debt collection practices contribute to an invasion of individual privacy. The debt collection company Synergetic Communications Inc, has violated the following list of federally protected consumer rights : Pursuant to 15 U.S. Code 1692b ( 1 ), Synergetic Communication , Inc. requested my location information without direct permission instead of confirming and refused to identify themselves.

Pursuant to 15 U.S. Code 1692b ( 2 ), Synergetic Communication , Inc. stated that I owed debt.

Pursuant to 15 U.S. Code 1692b ( 3 ), Synergetic Communication , Inc. attempted to communicate using my location information several times resulting in harassment without direct request.

Pursuant to 15 U.S. Code 1692b ( 4 ), Synergetic Communication , Inc. communicated to me by post card using my location information without direct request.

Pursuant to 15 U.S. Code 1692b ( 5 ), Synergetic Communication , Inc. used several envelopes with their language, symbol, and contents of mail stating the collection of a debt without direct permission.

Synergetic Communication , Inc. did not have my direct permission or consent to contact me pursuant to 15 U.S. Code 1692c ( a ).

Synergetic Communication, Inc. inconveniently contacted me several times throughout the day pursuant to 15 U.S. Code 1692c ( a ).

Pursuant to 15 U.S. Code 1692d ( 4 ) Synergetic Communication , Inc. continued to call and make threats of repossession, which is obscene language and harassment.

Pursuant to 15 U.S. Code 1692d ( 5 ) Synergetic Communication , Inc. made my phone ring repeatedly and at inconvenient times without direct permission.

Pursuant to 15 U.S. Code 1692e ( 2 ), Synergetic Communication , Inc. gave a false representation of the character and amount.

Pursuant to 15 U.S. Code 1692e ( 7 ), Synergetic Communication , Inc. implicated that I committed a crime, as a consumer.

Pursuant to 15 U.S. Code 1692e ( 10 ), Synergetic Communication , Inc. used deceptive means to obtain information.

Pursuant to 15 U.S. Code 1692j ( a ), Synergetic Communication , Inc. furnished a deceptive form and is liable pursuant to 15 U.S. Code 1692j ( b ).
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC (MI)

Repeated calls to my phone Impersonating that they was Michigan state treasury office and ask for to give them my address to send me a check from unclaimed property the company is called G C debt collection phone number XXXX XXXX
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Ive had an account with XXXX XXXX for quite a while & recently had a 100 % legally authorized PPP loan, in my name ( not business name ) deposited into the account for my sole proprietorship. Prior to the deposit, there were personal funds in the account totaling over $ XXXX, which I can account for with whatever documents needed, if any, just as I can for the XXXX loan & my sole proprietorship. I was told XXXX XXXX no longer wanted to do business with me and was canceling all of my accounts, due to the PPP loan deposit. I also was told, I could not use or withdraw any prior funds that were in the account, while the investigation takes place concerning the loan, which is a huge problem for me. I am now stuck trying to understand why am I being denied access to money I worked for, due to one specific transaction first off. Then second, how can a 100 % legit PPP loan cause my life to be turned upside down? I have bills, kids, a family to provide for, a business, & most importantly a sick mother & father for whom I take care of. Being denied access to my original funds is a disgrace. This incident was totally unexpected, which mean I have little to no cash on hand. Ive been calling & repeatedly visiting local branches, as well but no one can give me any concrete information. This is a huge inconvenience & very disturbing that Im being treated as if im wrong for applying for assistance and having it placed into my trusted account. I have a proven track record with the institution, this isnt a new relationship. Ive been with them for years, even have several credit cards & a car financed by my husband with them, but being treated as Im a criminal. Im 100 % legal and in no shape, form, or fashion trying to scam anyone. I just would like this matter resolved in a timely fashion.
Consumer complaint received 2021-04-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Consumer Credit Services, LLC (FL)

On XXXX XXXX this terrible horror started started and spanned over the course of 4 weeks. I was spending some time with my family when out of the blue some guy named XXXX XXXX calls me. He claims to be some type of loan officer assistant whatever that is and tells me that my mortgage through XXXX  XXXX XXXX is going to be at a interest rate of 1.75 % going forward and I wouldnt have to make a payment for 2 months he also said that I would get back XXXX as some type of refund. What really bothered me is that he promised me I would get a 1.75 % interest rate and then sent me paperwork saying I would only get down to a 3.50 % from a 4 % and have a 30 year loan even though I was told it would be the payments remaining on my loan. After I got the paperwork a man named XXXX XXXX all but forced me to sign the papers claiming that the interest rate effectively was 1.75 % which was a lie. Things get worse from here. Originally I was told there was no cost to do this loan. The first time his company equifund was charging me XXXX for the loan. A week later he tells me that the only lender that will take my loan is some new company and their fee increased to XXXX for the same interest rate. I asked another loan company if there was a reason I could only use one bank and they told me that he did this because they pay him more money than the other guys So he tried to force me to get the loan from them. At this point I told him I was not interested anymore and asked how much money I have to pay to cancel. At first he told me I could not back out because I signed the disclosures and have to go through with the loan. Once I told him that I will not pay a single mortgage payment he said that I can send a cashiers check for XXXX to him as a cancelation fee and they will change my mortgage back to what I had. Turns out after I sent the cashiers check I did some research and found out I could cancel at any time. It was too late by then he already cashed the check. I have tried calling them for the past 3 weeks and they block my number. One time the guy XXXX answered and said he would get me a interest rate of 1 % and then When I said I was not going to take any loan from them he called me a dumba** for not wanting to save money. These guys have made me realize that theres really no good people left. I still have no idea if I have my old mortgage and am scared to make a payment and they wont tell me anything. Can someone explain to me what is going on? I fought in two wars for this country XXXX dont deserve to be treated like this.
Consumer complaint received 2021-04-23
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. (OH)

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX X I recently discovered that someone has used my name for a rental apartment and left a balnce of {$3700.00}. I was living at XXXX XXXX XXXX XXXX OH XXXX. THIS IS A FRAUDULENT ACCOUNT. I have contacted the XXXX Police and filed a Police report and file a FTC ID theft report as well. I am trying hard to protect the integrity of my credit profile. This is holding me up as I was looking to buy a home this month until we discovered this fraudulent account.
Consumer complaint received 2024-08-27
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)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We requested a payoff demand on XX/XX/15. We were told it would be a 4 business day turnaround. Its a week later and we still have not gotten it. We called and they basically said it would take as long as they wanted and they didn't care who was waiting for it. PHH is holding up being able to close this transaction due to their refusal to provide a payoff demand in a timely manner!!!! This is NOT acceptable!!!!!!!!!!! -- -- -- When is the Federal government going to put a stop to this????
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this inaccurate information on my credit report In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Supreme Lending (AZ)

This lender has checked our credit score on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. OnXX/XX/XXXX he told us that he was going to call us back in order to start the housing process. He never called us and ghosted us. I have been asking for my credit report and he has not responded back. He was very unprofessional and has not taken the chance to write back.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

On XX/XX/2021 I " cashed out '' my cashapp balance to debit card which I had done plenty of times before without issues. This time the amount was {$3000.00} and it didn't instantly transfer like previous transactions. After a few days still nothing on my debit card so I called cash app and they provided me with the transaction and trace numbers which I gave to my debit cards customer service department and eventually on XX/XX/XXXX my debit card received the {$3000.00}. My debit card ended up returning the funds to cashapp for whatever reason on XX/XX/XXXX and I was told to wait 3-5 business days for the funds to show on my cashapp. I waited the 5 business days and when the funds didn't show I called my debit cards customer support number and they provided me with a transaction and trace number for the return. I've emailed cashapp repeatedly with this information and I haven't received any information on my funds or any type of help. I have asked the cashapp support team what to do next and how long I should wait and the response I get is ... 

" I have no further details to provide for this particular transaction, and no further action can be taken. ''
Consumer complaint received 2021-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I purchased a car from a dealership that was a lemon. I returned the car made all the payments and XXXX XXXX still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Amerisave is the worst mortgage lender. I applied for a loan in XX/XX/XXXX and now it's XX/XX/XXXX and I'm canceling the loan. Amersave made a mistake on my first application that didn't get caught for a month. After the appraisal was done and all my paperwork submitted, we had to start over with a new application. Then the loan officer ( LO ) left the company and the new LO and the subsequent manager took no ownership over my file. Four months later I'm canceling my loan because they are no longer honoring the rate they promised me several times throughout the process. I requested several times that they lock the rate and they denied my request. 
It feels like a bait and switch. They promised me a rate told me their policy is to not lock until the file is approved but they would come through with the rate they promised me. Three different people verbally told me they would do this. My file was easy - w2 borrower and nothing tricky. They couldn't figure out how to transfer my appraisal from the original file. They kept asking me for documents over and over that I had sent several times. Every time I asked for an update on my file they said they were doing everything they could and some people gave me personal sob stories. They were completely unprofessional and incompetent. I wouldn't recommend anyone go here. I've done many mortgages in my life and this was by far the worst experience I have ever had. I should never have let it go on this loan. I had many options to go for a great rate back in XXXX and all those options are gone now. They have lost me tens of thousands of dollars over the life of the loan. They strung me along and kept telling me they were going to get it done. Had they been honest upfront and told me they were incapable of closing a vanilla loan I would have left a long time ago. What a waste of my time and money.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I received my stimulus check of {$1400.00} I cashed the check through PayPal I sent a photo ID from the XXXX XXXX New York XXXX with a picture of myself alive picture shot I was able to take out {$700.00} after taking out the {$700.00} PayPal put up a message saying that I was not able to use the account for 180 days or take my money out I am a person that has mental health issues XXXX I live in a shelter this money is important to me for me to travel for me to get food for me to obtain daily items I have XXXX as well and panic attacks this has caused me a lot of stress I've had XXXX XXXX in the last week alone due to this. I have not committed any fraud or anything wrong so I don't not understand why they withholding my money especially at a time like this my email is XXXX. they have withheld my money I've called them to no avail for over a month already I need my money released so I can pay for medication and food can you please email me back or try to help me resolve this issue thank you very much for your time