davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification XXXX XXXX my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called XXXX XXXX and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by XXXX XXXX ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to Round point mortgage. Now round point mortgage displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with XXXX XXXX and Roundpoint on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the XXXX XXXX representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. 

Since all of this I have submitted a complaint against XXXX XXXX to the CFPB which XXXX XXXX did nothing about but pass blame on to Roundpoint. Roundpoint acknowledged this issue multiple times in many calls over the past few months, I have been told on multiple recorded calls that the problem will be taken care of only to recieve a call from Roundpoint a week later saying that I'm still behind. Every time Roundpoint does nothing about this.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. 

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines. 

I request that you provide confirmation of the removal of these fraudulent accounts once the necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..
Consumer complaint received 2024-08-29
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. (TX)

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are reporting inaccuracies According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incomplete or inaccurate.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX provided payoff statement on XX/XX/XXXX and it was good and effective until XX/XX/XXXX. I closed on my house on XX/XX/XXXX and on XX/XX/XXXX title company wired the total payoff amount to XXXX XXXX. XXXX XXXX returned the wire and stated an amount was missing. I was notified by my attorney on XX/XX/XXXX and was told to get a check with the missing amount. I called XXXX and asked what was missing due to the amount wired being the payoff they provided on XX/XX/XXXX. XXXX stated they didnt include the taxes and made an addendum to the payoff on XX/XX/XXXX. I was informed of this by my attorney on XX/XX/XXXX. I did not receive a phone call or message from XXXX about this addendum. XXXX states they sent an email on XX/XX/XXXX. I did not receive an email on this manner. I provided the attorney the missing amount on XX/XX/XXXX which was the day I was notified. Me credit score went down XXXX points due to XXXX changing my status to delinquent over 30 days.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

Saturday XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I started a message on XXXX with a person selling XXXX XXXX XXXX XXXX XXXX She was in the XXXX XXXX I was in. She was selling 5 seats of tickets for all XXXX XXXX XXXX, for {$150.00} a ticket. 
I had wanted to purchase 3 tickets for one game for {$450.00} total. She said that was fine. She would transfer the tickets to me in the XXXX XXXX  after she received the payment. 

I used PayPal to send her the money. She sent me a message back that she could not transfer the tickets to me unless she transferred all 5 she had for the game. I said I did not want or need them all. She asked for more money, but I said I would not send anymore. After that I could not send her messages. 

I went on the PayPal website right away to dispute the transaction, and I also contacted the bank that PayPal would draw the funds from XXXX ( through XXXX XXXX XXXX  ) and asked to stop payment. 

PayPal responded back within the hour stating they did not think it was fraudulent and that it was consistent with other PayPal transactions. But I have never sent money to this person and have not sent money to someone based outside the US. 

XXXX sent me a message back on XX/XX/year>, asking for more information on the transaction and locked my debit card so no more transactions could happen. 

I responded back on Monday XX/XX/XXXX, with my answers. 

XXXX  then notified me on XX/XX/XXXX at XXXXXXXX XXXX that a dispute had been filed and provided a link to upload any info. I did not have time to upload anything, but there was not much documentation to provide anyway. 

XX/XX/XXXX at XXXX XXXX XXXXXXXX responded back that they feel there was no error. They stated that they are unable to dispute authorized ACH transactions, as the ACH network does not support service disputes. I asked back why they had no protection for fraud for their customers and if there was anything else I could do. They said to try to work with PayPal since they were the ones that transferred the funds. 

I tried to appeal to PayPal again and again they did not try to get my money back.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I do not own the alleged debts seen in my credit reports I disputed accounts on my credit report and there was no change. So, I sent a notice of inaccurate furnishing to each consumer reporting agency. 

There was no response.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CA)

update my information XXXX Wells Fargo case XXXX account number ending XXXX and XXXX XXXX XXXX  loan number ; XXXX note amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help
Consumer complaint received 2023-05-03
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XX/XX/2020, 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.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XX/XX/2023
Consumer complaint received 2023-05-03
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. (CA)

I submitted a credit repair request to XXXX and Transunion, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-14
Product: Credit reporting 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. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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/year>
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I reported that I believed my account was hacked or at the very least had unauthorized activity. There were transactions coming out of my account for a merchant called XXXX XXXX  that I had previously put a stop payment on because I had not authorize them to take money out of my account and I was given a refund, but then XXXX more charges happened around XX/XX/XXXX. On XX/XX/XXXX, I tried to log into my account and was denied access saying that my account was restricted. I called. I went to the branch and I was told that I would receive a letter and I had to wait for the letter to come on XX/XX/XXXX I received the letter saying that my account was being Automatically closed due to a periodic review of accounts that my account would be restricted from deposit and withdrawals, but would still be open until the 60 days it also said that I could go into branch and retrieve my funds if I thought that it was necessary to receive them before the 60 days on XX/XX/XXXX, I also received notice that I would be getting evicted for my apartment so I started reaching out to the bank saying that I felt necessary for me to have my funds because I need my money and there would be no reason for me to continue working with the bank since this is the third time that they have done this to me. XXXX on the hold. It has been 60 days of my account I had to I received the closeout check for XXXX which was XXXX dollars but for the other which was XXXX and something dollars I have not I have called. I have XXXX in the bank I have exhausted all avenues and they keep telling me that XXXX not getting any money even though my balance is {$2000.00}. Last year the same thing happened and they took {$2500.00} from my tax return. I dont know whats going on with Citibank but I really would like my money and should have gotten it the same day that I got the other check that they ups to me. This is how I know its a lie because if after my account was being closed, there were transactions being processed, and there was no money in my account that my account wouldve been in the negative and my account been negative then I wouldnt have received the check for XXXX dollars on my second account because they wouldve kept the money firstly. Second thing is that XXXX still receiving notices that say that my account was a balance of {$1900.00} up until the day. It was closed that when I went into the branch, they were telling me that they had my money and some subledger and kept saying that I was under some investigation, but its been over 60 days and I have received not XXXX letter saying that anything has been investigated about anything about fraud. Nothing but just in my account was being closed. I dont know what Citibank has going on, but I need my money and this is very illegal and I will sue them. I should very well be able to go into the branch and get my money just like I did last year or when they close my account and tried to keep my money.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I deposited a check drawn from my Merrill Benefits 401K Account to my Merril CMA Edge Account, and even though it was drawn from the same bank, a hold was placed on the check - and it was to be made available on XX/XX/XXXX. Now since Monday, my account has been disabled, and I have not been given any answers as to why. I have called customer service, never receiving information, expectations, or following through on what is happening. It feels as if my money is being held hostage. XXXX and XXXX, both customer service managers, promised to return calls with updates regarding my situation and then never followed through, leaving me back at square one explaining the story to a new CSR Rep and Manager. I am always left with the fact that they just noted the review would take XXXX to 2 days. I have worked in banking ( XXXX & XXXX ) and have a career in Corporate Finance. I know regulations and standard practices for corporate policies, but this is horrendous. Customer service is barely even close to the definition of the role. Keeping the customer aware and updated on information regarding their own money! It is nonexistent. I want someone to help me, please! I already paid with those funds because I was never alerted or notified of an issue with my account. So you are causing a problem with me at Merrill, and now I am a debtor to a third party. Embarrassing isn't the word.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NY)

I provided timely proof of insurance for loan number XXXX on XX/XX/XXXX. Despite this XXXX incorrectly opened up an insurance policy ( I had no gap in coverage ), and charged escrow balance of {$7600.00}. Since then they have only issued a partial refund, but there remains an incorrect balance or {$2300.00} which should be {$0.00}. In my last autopay, I was charged {$190.00} escrow payment. This should be refunded and my escrow should be returned to {$0.00}. 

I contacted customer service repeatedly. I sent over XXXX emails with no response. I also made at least XXXX phone calls. I called on XX/XX/XXXX and was told a case was created and it would be resolved within a week. I called again today XX/XX/XXXX and was told another case was created and a XXXX might reach out to me. In total I have spent over XXXX hours on the phone trying to get this resolved and sent XXXX emails without response. This is a very frustrating experience. 

In addition, my monthly payment has been increased resulting in incorrect info getting reported to credit bureaus XXXX XXXX XXXX XXXX XXXX ). 


I hope that by filing this complaint the issue will get resolved in a timely manner.