davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP (VA)

I applied for a mortgage with US Bank on XX/XX/year>. I was told I was approved for a mortgage on XX/XX/XXXX. My closing was scheduled and I received a closing disclosure. On XXXX XXXX at approximately XXXX, US Bank called me to tell me I would not be able to close unless they got special approval. On XXXX XXXX at XXXX, I was told verbally that I would not be approved for the loan for reasons other than credit. I did not actually receive a denial letter until nearly XXXX on XXXX XXXX. 

I was told that I would be able to view the letter through the portal US Bank required me to submit documents to and where I signed documents. I downloaded all documents I uploaded from the portal at XXXX on XXXX XXXX. By the time I received the letter via email, after 10+ calls requesting information, US Bank had deleted all documents relating to my loan from the portal. No denial letter was uploaded, and all documents are removed from the portal. 

I have complained to 4+ people at US Bank that XXXX XXXX , my mortgage loan officer, would not and had not returned ANY of my calls in 2+ weeks. He will not call my broker back, and only occasionally responds via email to voicemails left. I have yet to speak with XXXX XXXX since at least XXXX and I have called him 10+ times. 

When I told US Bank that I would be filing a CFPB complaint, they stopped answering my calls entirely. They stopped answering my broker 's calls.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Subject : Complaint Regarding Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/year>. Despite the passage of ample time, I have not received any communication or verification of the debt from Resurgent Capital Services. 

The debt validation letter was sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, Resurgent Capital Services has neglected their legal obligation to respond within the stipulated timeframe. 

The debt in question is listed on my credit report as follows : Creditor Name : LVNV FUNDING LLC Account Number : # XXXX XXXX Resurgent Capital Services ' failure to comply with my request for debt validation, I am left with no choice but to pursue legal action. As per the FCRA, I am entitled to seek damages of {$1000.00} for each violation. Therefore, I am considering taking legal action against Resurgent Capital Services for their non-compliance. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Resurgent Capital Services for their failure to respond to my debt validation request. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is reporting XX/XX/2022 as ND. They did the same thing for another account. I submitted a dispute and within 2 days they showed me 30 days past due which lowered by credit score by XXXX points which caused me emotional distress. I submitted another dispute with another account and its take them forever to resolve the issue. im expecting them to do the same thing with the currecnt acount im disputing. i need them to hurry up and ensure my credit reports accuratly and not ND because i made payments as promised
Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

Hello, My name is XXXX XXXX and I am writing in regards to recent change in my Escrow right away after my lender XXXX XXXX XXXX sold my Mortgage to Lakeview Loan Servicing LLC. My loan is a fixed rate mortgage. The home was purchased through XXXX XXXX XXXX XXXX with Settlement Date of XX/XX/2018. They recently sold my Mortgage to XXXX XXXX XXXX and my first payment was due XX/XX/XXXX. Before this sale of mortgage to Lakeview From XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of agreed Settlement to XXXX XXXX XXXX even though XXXX XXXX States they purchased Mortgage on XX/XX/XXXX. During the time After settlement up until XX/XX/XXXX my mortgage remained the agreed cost. Suddenly, after paying my XX/XX/XXXX mortgage ( which I paid early to the new lender Lakeview ) I was informed my Mortgage payment was being increased due to incorrect calculation of the Escrow. I have not even had the house for a full year. The inspection of the home was performed a week before settlement. All figures we're calculated at that time. A month later the Mortgage Company XXXX XXXX came to the home and reinspection of the home was performed by them and the amount of insurance cost remained the same no changes. The county and State taxes have not increased since the purchase of my home on XX/XX/2018. I have no way of finding out how this new lender has come up with these figure. I have contacted both XXXX XXXX XXXX to try to find out and they don't understand why this has happened either. I would like this to be investigated further. I believe that Lakeview Loan Servicing is performing fraud against it's customer by purchasing their loans then increasing their payments and claiming it is a result of under charging in Escrow. I have provided the following documents to be researched.

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MD)

On XXXX XXXX I opened a account with BestBuy, and ordered a gaming laptop, on XXXX, it was said that it was delivered after going to the door and it not being there my daughter immediately called Best Buy and told them that it was not there. They informed her that they would reship the order and after checking for that order on a daily basis and it taking so long to come on XXXX XXXX. I went back to Best Buy and canceled the order on XXXXXXXX  and purchased a laptop that they had which I was able to get that day. A couple weeks later I noticed that they had not taken the original purchase off my credit card so I went back to the store and I was told ( per the store manager that they canceled the replacement but they failed to cancel the original purchase which they often due ) I needed to call corporate.upon calling them I was told to file a police report, which I did, I was also told to take out a complaint with XXXX  XXXX. Upon calling XXXX I was advised that ( per BestBuy that the customer can not file a complaint that BestBuy had to do it.. after this situation on going for so long I received a call from XXXX executive office and was told that BestBuy was to be held responsible and that they had to remove the charges, however this is still an ongoing dispute and have now affected my credit..can you please help
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

My complaint is about Paypal. I purchased from a car wheel website and payed on the website with Paypal. I was given the option to choose from my available methods of payment. I had a bank credit card and a separate bank account. They are not the same. I chose my bank credit card. I put money in my bank for that card to pay the amount. 

When I looked at my bank statement I was overdrafted in them other bank account. When I called and messaged Paypal they said I had my bank account selected as my primary. I asked them why would they make the card an option to pay if they never intended to let me use it. 

They said no you have to select it on the site. That's XXXX. I have to go log in and change it when you are already giving me the option to pay on another site. 

They owe me a {$30.00} overdraft fee. I don't know what kind of games they are playing with customers. You can't allow people to choose from options to pay and then be like sike... There is not huge discloser or any discloser stating that the option doesn't work when I'm checking out on another site.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (NY)

In XXXX I received a debit card in the mail to my home address that said it was linked to a checking account at M & T Bank. 

I immediately called M & T bank to speak with a representative as I never opened nor did I ever have any banking/checking accounts or debit cards with M & T Bank . I advised the representative on the phone, that I suspect fraud is involved and someone has used my personal information to open this account. I asked what date the account was opened and the phone agent would not share the information with me. I then advised the agent I need this account closed immediately as I never opened it to begin with. Agent confirmed the account will be closed and I will receive a form in the mail in a few days to fill out and return advising of the fraud. 

**Fast forward a couple of weeks later this month of XXXX, I receive another Debit card from M & T Bank in the mail to my home address ( 2nd Debit Card at a bank I have NEVER Banked with ). This is the same banking institution I have never opened any account with. I called again to speak with a representative who tells me over the phone the checking account has been closed but he doesn't know why I'm still receiving debit cards. **What 's most alarming is I have ran all three of my Credit Reports and NOTHING For M & T Bank appears on any of my reports ( XXXX, XXXX, XXXX XXXX. This leads me to believe someone at the bank is using illegal practices to open checking accounts. I also have never received the " Report Fraud '' letter from M & T Bank as initially advised by representative # 1 over the phone.
Consumer complaint received 2023-11-14
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. (MO)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-02-28
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: Fay Servicing, LLC (NC)

I am successor in interest and owner of the property. The original XX/XX/XXXX mortgage loan was in the amount of {$160000.00}. The XX/XX/XXXX payoff was {$240000.00}, which is {$980000.00} higher than the original principal. I have requested a complete mortgage payment history and copies of all modifications many times. Fay 's Servicing, LLC has only provided a pay history from XX/XX/XXXX. This makes it impossible to verify the amount claimed due.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: NEXBANK CAPITAL, INC. (MD)

On XX/XX/XXXX at approximately XXXX XXXX  I attempted to open a XXXX  year CD with NexBank. After entering all the information required I got rejected and sent to a rejection page and receiv

ed and email stating that The bank account and routing number you provided may have been incorrect, or you may not have had enough money in your funding account to cover the transfer to our bank. I am highly confident that I entered all the information correct as I had my checking account open in another tab and I was copying and pasting the account information to ensure there were no errors. I also certainly had the money to fund the account. If it truly was incorrect account information entered the bank should have given me an opportunity to re-enter the information.
Further the bank provided different numbers to enquire about the rejection XXXX number was on the webpage rejection and the XXXX  in the email rejection. I called both numbers and got no answer.

Concerned that this could be scam and my account and personal information could be compromised I immediately moved my funds. I also was compelled to open the CD with my current bank at an inferior APY ( 5 % vs 5.5 % offered by NexBank ) to ensure the safety of my money and to protect against a rate change.

I emailed the bank at the email provided in the rejection email on XX/XX/2024 at XXXX XXXX and have neither received an acknowledgment of receipt or a response.
Consumer complaint received 2024-02-28
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: AMERICAN EXPRESS COMPANY (MD)

Fraudulent charge on my account from XX/XX/2023, I reach out every couple weeks as they look into the issue. While they tell me I'm not responsible for any fraudulent charges, they have been charging me interest and late fees, and now reporting to credit bureaus. I have a flawless credit history, and they are damaging it due to no fault of mine.
Consumer complaint received 2023-04-25
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I sent a letter pursuant to the Fair Credit Act to Jefferson Capital System requesting validation of the said debt but have not received any correspondence to have said debt validated. I did not sign a contract with the said company. I have no knowledge of the said debt.
Consumer complaint received 2024-02-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a {$50000.00} CD with Capital one. 
The account I had instructed to send the money upon maturity was closed, so at maturity they mailed a check. 
That is fine, however the check they mailed was a guaranteed funds/cashiers check, which is very dangerous to mail in the current environment. 
Most importantly, I NEVER RECEIVED THE CHECK IN THE MAIL! 
I followed their procedures to stop the check, fill out an affidavit, and ask for reissue. 
They are now saying I will get my money, AFTER DAYS.

1.Why did they send a cashiers check?

2.How do I know they sent a check-I never got it? 
3.IF THEY STOPPED THE CHECK, WHY CAN'T THEY REISSUE IMMEDIATELY, WHY DO THEY GET TO KEEP MY MONEY INTEREST FREE FOR 90 DAYS? 

IS IT REASONABLE FOR ME TO NOT HAVE {$50000.00} FOR 90 DAYS, WITH NO RECOURSE, NO VISIBILTY, NO WAY TO SEE WHERE THE MONEY IS, OR TO GET IT? 

MY CASE NUMBERS ARE Case XXXX and XXXX