davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.
Consumer complaint received 2018-08-10
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: Experian Information Solutions Inc. (NV)

Experian, XXXX, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
Consumer complaint received 2022-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I applied for a conventional loan with Caliber Home Loans. Then the loan officer advised me I do not qualify for a conventional loan since i had a foreclosure on my record. She tried to force me in accepting an FHA Loan. I spoke to the loan officer to let her know the payments were beyond my budget and she did not want to deny the loan. Since, I did not trust her explanation of why she wasn't denying my loan, I emailed her requesting her to deny my loan. She responded with an email with other mortgage payment options and not acknowledging my request to deny my loan. I emailed her supervisor and he responded by calling me. I explained to him what has transpired and he said he was going to look at my file and get back to me the next day. He has not gotten back to me as of XX/XX/22. 

I sent another email XX/XX/22 directly to my realtor and the loan officer requesting to cancel my contract and refund my deposit. I specifically used the verbiage " I would like to exercise my contractual rights '' and " please issue a release and cancellation immediately '' under the contract 's financing section : If Buyer is unable to obtain loan approval within the loan approval period, or can not timely meet the terms of loan approval, all after the exercise of good faith and diligent effort, buyer may terminate this contract ... ... ..... 
I received a " Release and Cancellation of Contract for sale '' on XX/XX/22 evening. It was signed immediately and Im awaiting seller 's signature to be finalized.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NC)

Amerihome acknowledged they had received the remaining documents for loss mitigation on XX/XX/2018. I called back on XX/XX/2018 and customer service representative looked through every document that had been faxed and verified that everything that was requested was there. She stated that she would send a email to let the correct parties and let them know that I had faxed everything that i had been requested. I called back XX/XX/2018 to get a update and to let them know I had a foreclosure hearing the next day. I was told they have 5 days to go over the paperwork that I was submitted and that it was nothing else I could do. I told them someone had gone through every document on XX/XX/2018 and the CSR just repeated there was nothing else I can do. I was also told by the customer service representative that the hearing was not to set a sell date just to check the status of the loan and just to let them know I was in the process of loss mitigation. I had a attorney represent me at the hearing with paperwork stating that I am pursuing loss mitigation and the lawyers for the mortgage company stated that they had not received any information from the mortgage company stating that I was trying to keep the home. A sell date was set for XX/XX/2018. I contacted Amerihome the following day and was told that they could no longer communicate with me because of my representation at the hearing. The customer service representative informed me the only way they would communicate would be if I sent a letter stating that I don't have any type of legal representation signed and dated. I explaned that the lawyer only represented me at the hearing and he said that doesn't matter. As of today XX/XX/2018 they will not communicate with me and I have no status of loss mitigation.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act, " XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX  XXXX '' has both violated my rights. 

Under the 15 USC 1681 Section 602 ; it states I have the right to privacy.

15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-24
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 (AZ)

I have been using PayPal to receive payments for Online business and also receiving donation for the charity. 

On XXXX XXXX, I received an email from PayPal to send documents, I sent all the required documents. But then I received another email for permanently closing my account. 

I contacted PayPal and they refused to give me any information about this. 

I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 

This is the Reference ID : XXXX
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I was filing my taxes online and was going to have them electronically deposited into my boyfriends account at Union Bank, in XXXX XXXX, CA. My boyfriend went to the bank and asked them to write down his account number and routing number so that I could put it on my tax papers. He then gave me the numbers that the teller wrote down for him for his account and I put them on my tax forms and sent them off, this was around XX/XX/2018. By XX/XX/2018 I still had not received my monies from the IRS into my boyfriends account. A couple days later it was showing as a pending transaction into my boyfriends account, so we figured the next day they would be in there. Well the next day the pending transaction was not there, and there had been no monies put into my boyfriends account. He went to the bank and asked what was going on, they told him they didn't know where the money was and that it probably didn't go into his account because my name was not on his account. They said it was probably sent back. Well needless to say, it wasn't sent back, it was put into the wrong account. The teller had given my boyfriend somebody elses account number, so when I put it on my tax papers that's where the money went to. Two more months had already gone by before I found all this out in XX/XX/2018, after I had the IRS track it and everything. So I get a letter from the IRS and TREASURY DEPT. Saying to the bank to return my money to me with a bank check. So my boyfriend and I go the bank with the letters I had gotten and all the proof and information needed for them to write me a bank check for my money. The manager tells us that it is all our fault the money got put in the wrong account, and we are to get it from the guy that the money went into his account. WHAT? XXXX!! I have never heard of anything so unacceptable in my life by a Manager of a Bank. They still to this date XX/XX/2018 have not returned my money to me. The Managers name is XXXX.
Consumer complaint received 2022-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

I called and emailed Coinbase in regards to selling and/or transferring my Bitcoin and Ethereum cryptocurrencies and eight months later the problem hasn't been solved. Also, I have USD currency in my account that I can't use to purchase cryptocurrency and/or transfer to external accounts. Coinbase keeps telling me they will assign a specialist to my case, they've assigned one six months after I filed my claim and he was unable to solve the problem. As of today, my situation hasn't changed but my account value has dropped by {$15000.00} USD.
Consumer complaint received 2018-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX I called Transunion in regards to hard inquiries that were removed, then reinserted on to my report without receiving any notice ( FCRA Violation ). I was hung up on by the representative ( XXXX  ) after he refused to remove them. The Inquiries in question are as follows : XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX XXXX XXXX reinserted XX/XX/XXXX
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

According to previous Account Manager if the subject property appraised value lower than {$300000.00} with existing outstanding balance of {$210000.00} and Borrower has existing reported income of $ {$3800.00} ( which includes the legally received ongoing child support that Borrower has a right to use for loan modification calculation ), both the subject property and Borrower, XXXX XXXX XXXX, would qualified for a loan modification according to Investor 's guidelines for the subject property. 
Bayview Loan Servicing Interior Appraisal completed on XX/XX/2018 confirmed that the subject property value is {$260000.00}. My Lawyer also provided the Child Support Legal Agreement in addition to submitted monthly the Bank Statements with ongoing circled proof of the child support. 
On the XX/XX/2018 we got the denial from Bayview Loan Servicing and clearly notified by XXXX XXXX that Bayview loan servicing is not going to use the Interior Appraisal value of {$260000.00} and not going to use the child support legal agreement in support of ongoing income and just simply would deny a loan modification due to the equity in the house. 

* Following conversation with XXXX XXXX she advised that underwriter did not use for calculation the Present Outstanding Balance of {$210000.00} ( please be advise that this balance is without accumulated fees ( see mortgage statement from XX/XX/2018 ) ) instead underwriter used Unpaid Principal Balance Before Modification of {$150000.00} ( see page 4 out of 5 of NPV test, Input field # 13 ). XXXX XXXX was not able to explain what Bayview Loan Servicing is going to do with the difference of {$65000.00} ( {$210000.00} - {$150000.00} ) and why it is not considered a part of the existing balance for calculations?
Consumer complaint received 2022-11-25
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. (NJ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud affidavit.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " 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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXXXX/XX/XXXXthere was a a hard inquiry made by someone who was not me. This was not authorized by me and I have no idea who authorized it. From talking to XXXX XXXX they said someone tried to apply for a new card. This was not me as I already have XXXX XXXX and am content with my current card. No need for me to get an additional one. Whomever applied under my name apparently had inaccurate information which is what led for them to be denied from my understanding. Again this was 100 % fraud and not authorized by me and I hope the creditor XXXX XXXX will remove this from my file being since it was never obtained by me. Thank You, XXXX XXXX.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

I am a new citibank banking customer, I deposited {$15000.00} into a new Savings account and am unable to link an external bank account which would allow me to transfer funds back out of the account. I followed all steps online to link an external account, however when I try and make a transaction with the external account I receive the following message : We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option XXXX then option XXXX, or call XXXX XXXX if you are outside the U.S . Please have your AT

M or Debit Card number available. I have contacted Ci
tibank 5 times on the phone for this matter and none of the agents have been able to assist or find the problem. I have been told that my account is marked for fraud and have been sent to the fraud department three times, each time I validate my information and they tell me they can not help and transfer me back to technical support. 

After being sent in circles, I requested a supervisor callback, was told I would be contacted within an hour and never was called back. I called in 8 hours later, spoke with another supervisor, XXXX, who was extremely rude, she talked over me, interrupted and told me I needed to call back and talk with someone in the fraud department the next business day. After telling the supervisor, XXXX, that I had been sent in that loop all day, she told me she couldn't help and ended the call.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax refuses to remove an account which should have been deleted due to the FCRA guidelines. This account is beyond 7 years of the last payment made.

I request that Equifax delete XXXX XXXX account from my report immediately Equifax has reported incomplete and un-verified dates of Payments, Date of 1St Delinquency and date of last payment Equifax has the Date of Last Payment XX/XX/XXXX but list the account was not paid for 60 days on the account history Equifax has the date of the 1st deliquency XX/XX/XXXX and then has the account being 120 days delinquency on account history Equifax has not records of the amounts of these so called payments All of these things are false and have been entered by Equifax employees with out merit
Consumer complaint received 2022-11-25
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts to be deleted immediately : 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 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NM)

I tried to apply for a gas card through XXXX and was denied due to showing XXXX hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports.
1. XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX -XXXX XXXX XXXX XXXX, TX XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX 3.XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.
Consumer complaint received 2018-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

It is impossible to get a live person on the telephone at Experian and they have the phone tree set up so that you press 1 to ask about a fraud alert and then you hear a message that a fraud alert has been set on your account. I did not request a fraud alert and the phone tree did not ask to place a fraud alert, just to ask questions about a fraud alert. 1 ) I want the fraud alert removed 2 ) I want experian to be ordered to hire live persons to answer calls from consumers who do NOT have a credit report number. 3 ) Experian should be ordered change their phone tree so that a fraud alert is not placed unless a live person paid by experian answers the call and verifies that a fraud alert is what the consumer actually wants. I called Experian at XXXX ( XXXX ) XXXX and XXXX You'll need a copy of your most recent Experian credit report and the 10-number digit on it to get through. The phone message said if you have questions about fraud prevention then press 1, which I did, then the message said that a fraud alert was placed on my account. ( XXXX ) XXXX or ( XXXX ) XXXX puts you in a circular phone tree where if you have a question about a fraud report press one then do you want to put a new fraud alert press one if not press 2 then if you press 2 you go back to if you have a question about a fraud report press one to an infinite loop