davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar hired XXXX XXXX XXXX to forcibly enter our investment property and removed everything ( {$8100.00} ) and destroyed our yard with roundup and cut all our trees. Even though the log in sheet, left on kitchen counter, stated winterizing, they took items we used to winterize the house. When NS was originally asked about the break in, they stated that we were in good standing and they did n't order an inspection. It was n't until I found out it was XXXX employee who removed everything and they had a work order from NS to perform these debri removal did NS tell me that no one was suppose to go into the house, only take pictures of the outside. The police investigation concluded that it was XXXX employees who took everything. They had a XXXX page inspection report and paid by NS. XXXX turned the issue over to their claims office. Nationstar now refutes all allegations of illegally entering the property because they hold the deed of trust and they determined the house was abandoned and unoccupied. There is NO way to tell from the outside no one was living there. We had spent 80 hours cleaning, staging and repairing this house after having to get court order to evict the tenants. The power was on. The a/c was on. There were lights on. A realtor had just left the house with in the hour. The security guards were never asked about the status of the house. AND our primary house mortgage is also with Nationstar. We received a letter from Nationstar on XXXX/XXXX/16 stating that if payment for XXXX 2016 and XXXX 2016 was n't paid by XXXX XXXX, 2016 foreclosure proceedings would XXXX. Payment in full was sent on XXXX/XXXX/16. NS received it on XXXX XXXX, 2016. The break in by XXXX was XXXX XXXX, 2016. 
Nationstar Mortgage mistakenly issued this work order two weeks too early. We feel they are using bully tactics on us little people so they do not have to admit wrong doing or repay us for damages. We 've just survived the XXXX 10 days ago and just do n't have the time or money to make Nationstar do the right thing. All we 're asking is to be where we were before Nationstar illegally removed our property from our house. We had to follow the law to get the tenants to vacate the property. Nationstar is no different. They 're not above the law. Any assistance in this matter would be much appreciated. 
Please adviseXXXX property address XXXX XXXX XXXX XXXX XXXX, TN XXXX Loan # XXXX Nationstar reference number XXXX Recap Nationstar first said it was n't them that ordered the removal of our property. 
XXXX. Then stated Assurants was just suppose to take pictures of outside XXXXRefuses to provide us a copy of the XXXX page inspection report so we know what was done to our house. 
XXXX. Police investigation determined that Nationstar did order the removal of our personal belongings. 
XXXX. Now refuses to repay us for damaged accured do to their mistake.
Consumer complaint received 2024-08-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (OH)

The company Westlake Portfolio Management located in XXXX XXXX, CA called me multiple time from XXXX XXXX XXXX after I asked them to stop calling me and my number has been on the do not call list since 2015. I told them once before not to call me so many times and they said when I am late on a payment then the calls start and when I pay them the calls will stop. My payment was due on the XXXX of every month and the day I was late then calls would start. from XXXX XXXX XX/XX/XXXX this company called me XXXX times within 7 days. They called me over 4 times some days and these are times that I am at work, in meetings, trainings or with clients. The calls were very aggressive in terms of call volume and I have screenshots of all of the calls. The number used that the calls came from was XXXX. On XX/XX/XXXX they called me 6 times in XXXX day. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. To me this is very excessive to call someone 6 times in XXXX day. This company uses multiple numbers to make calls but this number in particular called me XXXX times within a 7 day period.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/year>, a XXXX friend, XXXX XXXX, advertised that she was selling XXXX XXXX XXXX tickets for XXXX, XXXX I had no reason to believe that my friends XXXX had been hacked and her identity had been stolen. Through a series of texts to the number I had for her, I agreed to purchase XXXX tickets. I sent her money, XXXX}, through XXXX for XXXX XXXX XXXX XXXX only to receive nothing and no further responses. It was only after they asked for a {$100.00} transfer fee per ticket did realize that it was not my friend. Additionally, the XXXX merchant initially identified as " XXXX XXXX ' quickly changed their name on the XXXX account to XXXX XXXX. 
I did dispute this with XXXX who stated they have no liability. Because this was a friend and I did know this person, I had no reason to believe I would not be receiving the tickets. I had no knowledge that someone had stolen their online identity and spoofed her cell phone number. I disputed the charge with Capital One and have proof through text exchanges and screenshots of this person changing their name. I also have not received any goods. Capital One has stated that I am afforded no purchase protection because XXXX was used. They can not provide any rationale or further information.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

FirstBank Puerto Rico has failed to comply with the requirement in section 1024.41 ( b ) ( 2 ) ( i ) ( B ) which states the following : Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' I submitted a new application for loss mitigation to Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX, see Attachment LM Application submitted XXXX. After 8 working days, as of XX/XX/XXXX, I have not received any communication from FirstBank Puerto Rico. In addition, FirstBank 's underwriter failed to comply with Appendix Q to Part 1026-Standards for Determining Monthly Debt to Income. I. Consumer employment related income. A. Stability of Income. 1. Effective income. " Income may not be used in calculating the consumers debt-to-income ratio if it comes from any source that can not be verified, is not stable, or will not continue. '' Mr. XXXX XXXX, First Banks underwriter, used as effective income a litigated child support that became uncollectible. Moreover, Mr. XXXX failed to comply with Appendix Q to Part 1026, 2. Verifying employment history. a. " The creditor must verify the consumers employment for the most recent two years. '' On XX/XX/XXXX, through First Bank legal representation in the legal case num. XXXX XXXX, FirstBank produced evidence that they documented this requirement with another person income not the borrower, Mr. XXXX XXXX check stubs, see Attachment XXXXAccount Information. In addition, FirstBank failed to comply with HUD Handbook 4000.1 signature requirement on initial application. Initial communications were made with Mr. XXXX as documented in the evidence produced by FirstBank, see Attachment XXXX-Preliminar Request and XXXX Application. Finally, HUD Handbook 4000.1 page 113 prohibits the signing of documents in blank. On XX/XX/XXXX FirstBank had me in a separate office to sign the mortgage while Mr. XXXX was in another office. Various documents had both of our names, but Mr. XXXX never signed them.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year> I opened a Capital One online bank account. I put XXXX in savings XXXX in checkings account from my external XXXX  account XXXXXXXXI decided and expressed to Capitol one I wanted a physical branch and not on online account and that so I tried to transfer the money back. they locked my account. once I contacted them to unlock it A representative put me on hold then told me that they decided to close my account. Theres no timeframe when I can have or expect my money sent back to me because they cant send it back to my external account. They won't give me any updates are reason for closing the account.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (IL)

Credit report shows expected to be removed in XXXX however this lease was in XXXX. This is a huge mistaking and impacting me finanically. 

This account information needs to be updated and removed as it continue to be inaccurate. Please remove this tradeline as these mistakes continue to impact my credit report
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

My PayPal account was used for an unauthorized transaction of {$200.00}, as soon as I saw the transaction, I contacted PayPal and reported it. I opened a claim XXXX XXXX PayPal acknowledged the fact that the someone used my email and password associated with my PayPal account to checkout and pay for services. PayPal prompted me to change my password, and I did as requested, and they opened an investigation. After over a month of going back and forth, PayPal decided to pursue this investigation as order was not delivered, which wasn't the case here. They shared a tracking number for an order that was delivered to an address somewhere in XXXX to someone, although I clearly explained to them that this was unauthorized transaction, they purposefully or carelessly decided to pursue this case as order not received. They decided that given that an order was received, then there is no refund, and told me if you don't like this decision, submit a complaint. 

PayPal appears to be neglecting the fact that alleged order was delivered to someone that has nothing to do with me, and to an address that has nothing to do with where I live. I contacted them again to iterate the fact that they clearly didn't do their due diligence and they should have pursued this as unauthorized transaction and submitted another claim, eventually decided that no unauthorized transaction occurred and denied the claim again, even though the evidence is clearly obvious to you that someone has had access to my account, made an order and had it delivered to them. They came up with a bogus excuse that the account was used from a so called trusted IP address, but when I confronted them with more details, they didn't respond. 

I repeatedly explained to them it's unauthorized transaction the point of concern. 
PayPal is egregiously refusing to refund for a fraudulent transaction. PayPal team acknowledged the transaction was done by someone who had access to my email and password. They are implicitly accusing me of making something up because they say an order was delivered, regardless of how many times I tell them I had nothing to do with that order, as it clearly shows a different person and address associated with that order and tracking number. 

I contacted the claims appeal department repeatedly to ask them on what basis did they decide that the transaction was not " unauthorized '' but they neglect my emails. I am very disappointed with them, they didn't honor the zero liability protection and they just keep coming up with an excuse after another.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I had an auto loan, and the vehicle attached to the load was deemed a total loss after an auto accident on XX/XX/year>. Auto insurance sent an automatic funds transfer to the lender, and GAP coverage paid the remaining loan balance on XX/XX/year>. According to the payoff letter I received on XX/XX/year>, the vehicle has a payoff date of XX/XX/year>. However, when I look at my credit reports I have a balance of {$14000.00} and a low credit score. All of these are negatively affecting my credit.
Consumer complaint received 2019-12-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PR)

On XX/XX/2018 I submitted a complaint under the number XXXX. The financial institution submitted their response and stated that they were going to send a letter detailing the documentation that I had to submit for them to continue working with the loss mitigation package.  On XX/XX/2018 I received the letter and on XX/XX/2018 I submitted my response with all documents that were petitioned, (See attached email sent on XX/XX/2018.)The financial institution never responded to the above mentioned letter, instead they sue me in State Court, (Case number XXXX) and move forward committing dual tracking.I am currently undergoing a judicial foreclosure process, in which the financial institution has not mentioned the outstanding Loss Mitigation package that was submitted and instead are moving fpward with the process.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (VA)

On XX/XX/2024, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/2024, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/2024, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/2024, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$4200.00}
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PR)

National Credit Services failed to comply in removing collection account from my credit reports ( XXXX & XXXX ). Per their response to my previous cfpb complaint they stated that the collection will be removed. 


Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response NCS has closed the account and is requesting the removal from the credit report. We will no longer be pursuing based on the information provided does not match what we have on file, we apologize for any inconvenience. Thank you
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2019-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PR)

A person told me that they had access to erasing student loan debt, and that from XXXX dollars from federal student loans, I would only have to pay XXXX dollars. That is if I paid this person XXXX dollars through PayPal. I was naive and paid the XXXX, later realising it was a scam.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my XXXX. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud 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
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been a victim of identity theft and I have had a number of unauthorized accounts/inquiries listed on my credit report. I also had a bankruptcy listed that was furnished by way of forgery. This bankruptcy account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need these unauthorized accounts and inquiries removed immediately