davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

I made the mistake of suggesting to my clients, XXXX and XXXX XXXX to pay me via Paypal.com for services in the amount of {$3000.00} and on XX/XX/2023 : I billed & invoiced XXXX XXXX for {$3000.00} through the Paypal website. The next morning on XX/XX/2023 a payment was made by XXXX XXXX to Paypal for {$3000.00} Paypal immediately deducted 3 % = {$92.00} as 'Fee ' Later on XX/XX/2023 I was able to transfer to my XXXX XXXX Account {$310.00} only because there was a hold on the remaining amount The remaining amount of {$2600.00} was put on-hold for 21 days. 
This was completely unnecessary and is to create float for Paypal to keep user 's money even though they have received money from the customer, received their 3 % fee. 
This practice must be discontinued and since given the millions of transactions flowing through the Paypal system this amounts to hundreds of millions of $ XXXX that they have access to. 
The CFPB and FTC must regulate them or sue them in XXXX XXXX to disband this practice.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Moore Legal Group, LLC (NJ)

On XXXX I entered into an agreement with meadow brook legal group to handle my debts and represent me if I should be sued. Unbeknownst to me and due to deceptive marketing and advertisement tactics from XXXX XXXX who assured me the grand benefits of the program ensured me that my debts would be settled in 6-9 months and that skipping payment was ok if I experience any hardship. Little did I know they took upfront fees and that if I skipped payments it would pull from the previous months funds never aiming to pay off my debts. However, I was assured again that regardless if sued I would be getting the least legal advice and an attorney to give me legal advice on where to go next. The attorney in the program said he had no idea how to even file a court filing to contact meadowbrook as that is what I am paying for and even agreed that meadowbrook is deceptive in telling me they would help me as that was services I was paying for. However, every time I kept getting a different answer. After trying to get a refund I was told I only XXXX cents in reserves so that basically my only refund was the skipped payment of XXXX dollars and change which I still have not received. After 8 months of payments and no help they would not return my XXXX dollars in escrow because those are fees " rendered for services, '' My question is what services. Have they communicated more efficiently and told me they would not represent me I could have negotiated my own debt sooner. They also rushed me into signing my contract with manipulation and a notary to notarize a paper in a rushed manner as if I was taking too much time. I never felt so shammed in my life. Also, XXXX just called me one day out of the blue explaining how much this program could help me. I should have did more research but I trusted them as a " law group, ''
Consumer complaint received 2023-12-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (TX)

Today I received a notification through my XXXX app that my credit score DROPPED XXXX POINTS. Today I also gave my homebuilder a {$2600.00} deposit to hold my home. The score drop is CATASTROPHIC to my ability to purchase a home. I was not notified of this collection before it was added to my credit report. I have received no mail giving me my 30 days ' notice of my right to dispute. This is completely unacceptable. I am working so hard to fix my credit and then I got this blowback. This is NOT RIGHT. There is no reason that I was not notified of this, and I need your assistance to help me exercise my rights.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Good evening. I was informed of this account on my credit while in the process of trying to buy my first home with my VA loan for a XXXX gift for my family. As my wife just had our XXXX baby and we have a bad area we have been renting in. The credit advisor told me that it is reported I made a payment on this account in XXXX of XXXX after the vehicle was repossessed from me in XXXX of XXXX I thought but I could be mistaken but I know I made no payment after repossession. I also was informed that the information being reported on this account is also being reported inaccurately with dates and still being reported on my credit account when I have had no contact from any company in the last 7 years about this repossession still being reported as if I am aware or am still in possession of the car. I was told the company reported in XXXX and also in other months but I have not been aware this has been affecting my credit that I am not careless with. I have attached what the creditor has provided me and hope that this reaches the right department. I hope this can be resolved so I can move forward for my family. I have not owned a vehicle in years and would like to at least be able to house my family as I pursue a position as deputy in my town. Thank you for your time. Happy holidays. 
Best regards, XXXX XXXX
Consumer complaint received 2024-04-13
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. (NH)

recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from XXXX on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (DE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (WA)

We were paying {$200.00} over the minimum each payment and I wanted to change XXXX  autopay amount to the minimum payment. It was impossible to do this online so I tried calling but could not find a way to reach anything but automated messages on their phone number. ( There XXXX be a way but it is so obscure that I could not figure it out. ) I also sent XXXX emails ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) as well as a physical, paper letter on XX/XX/XXXX and received nothing but automated replies and promises that they would be in touch. To date, we have had to continue to make XXXX payments ( XX/XX/1929, and XX/XX/XXXX ) that included our extra amount : that means we have paid {$600.00} since I first began to try to stop the extra payments.
Consumer complaint received 2024-04-13
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Filed several complaints re fraudulent checks being deposited into our childs savings account, and then wire transfered out before the checks were caught as fraudulent .The account was drained. Then after doing nothing, the bank told we owe the money back and that it was determined that " we '' did it. The checks were clearly fraudulent, not signed by anyone from the account and eventually rejected after wire transfer. The bank told us they did an internal investigation ( that they would not share with us, or give us the source of findings ) and just said " it wad determined by the bank the transfers were considered authorized and made by you with no bank error or fraud ''. 
We are well aware of how easy it now is to mirror someones phone number, as well as all the fraud that happens daily just like this to thousands of people who get their information stolen. The bank investigators could and would not supply the evidence to support " it must have been us that did this '' I always believed that the proof needs to be given to support their findings and just telling us " we are at fault '' when we had nothing what so ever to do with this except be victims would lie on the bank proving their claim that " we '' did it. Where is the proof? We are asked to just be ok with them saying so? I don't think so and we would like clear, specific answers to whom stole our daughters college fund and treated with some respect instead of negligent. We request tangible proof to their claim that it was us.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (TX)

On XX/XX/26 I called and spoke to XXXX with Loancare and explained I was submitting a mortgage assistance application for a XXXX  plan. I submitted a hardship letter with an explanation that my foundation needs to be repaired at an estimated cost of XXXX. I need to be out of the house and pay for other living arrangements. I was told I would be reviewed for a XXXX  plan. I called on XXXX and was told by a representative that I am only be reviewed for a loan modification. A loan modification will not help me at this point.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chime Financial Inc (CA)

Chime has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using chime a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the Chime Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and XXXX. I also want Chime to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that chime has not reported to the credit bureaus
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Transunion will update balances on credit/loans/inquiries the minute the transactions occur but when there is a decrease on balances, transunion will take months to record improvements. XXXX isn't as bad as Transunion in recording improvements such as posting correct balances. Transunion has hurt my life by not posting current balances. I know they can post more up to date balances because XXXX show balances that are about a month old. Transunion must be made to post the most current balances available or be close to XXXX balances.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (GA)

I am sending this complaint due to the fact I have reach out to XXXX Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (DC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

back in XXXX of 2021 i was robbed online XXXX dollars was taken out of my account. I then contacted suntrust now truist bank immidately letting them know of the fradulent charges done to my account. They then issued me a credit while my case was investigated. In the end they ended up denying my case and the credit they issued was then removed from my account setting my funds at a total of zero. this whole situation has ruined my life I am working two jobs 7 days a week i can barely survive. I have done everything in my power to try and get this situation taken care of but i am at my wits end. I am so upset and appauled at how the bank handled what happened to me they never once called me or flagged my account or locked it to let me know of this fraudulent activity. As a bank this was there job to protect there customers and they didnt do that. I have filed a police report went to lawyers and went as high up as i can with truist bank. Nobody will help me
Consumer complaint received 2023-12-08
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

This Debt was bought by another company that I had no idea of and haven't verified any information nor was notified of this debt i am currently with the same phone company they say the debt originated from so I believe this debt to be false. As well as they never sent the proper documentation to verify my debt.
Consumer complaint received 2023-12-01
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Send email stating they did NOT receive mortgage payment when the company was called called regarding emails company employees responding to concern state that they NEVER received XX/XX/XXXX, payments and more. 

Our bank XXXX XXXX XXXX  was contacted regarding the payments showing that in fact NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXDID receive payments, however NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Falsified where they posted the payments to falsified statements they quote ' NEVER RECEIVED PAYMENTS ' regarding our VA mortgage account After you log in to their web page i.e., et al., etc., https : //signin.newrez.com/signin/myaccount AFTER you make payments states ' Congratulations ' YOUR PAYMENT WAS RECEIVED however the company NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. Never posted correctly on account and list the mortgage payment and escrow payments as quote ' SURPLUS ' after sending numerous emails alleging never got payments in XXXX alone the folling payments were made XXXX accounts XXXX myself XXXX my daugthers paid to AFER sending emails they never received payments NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEWREZ-SHELLPOIN HIST RTN XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXX XXXX {$870.00} - - - XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} ESCROW ADDITIONAL PAYMENTS XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$200.00} After you click links on their web page under payments it listed payment as quote ' SURPLUS ' same issue with escrow payments not being posted accurately to account same with escrow payments AFTER receiving notices from company that they quote need payments for escrow the loan is FULLY AMORTIZED VA LOAN, and more issues regarding mortgage fraud on behalf of this company https : //signin.newrez.com/signin/myaccount , NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent letters to XXXX XXXX  consumer credit agencies XXXX, Transunion and XXXX letting them know that the information that they have on my XXXX  profile is XXXX  and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.
Consumer complaint received 2023-05-23
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX : {$890.00}.