davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I received a letter dated XXXX XXXX, XXXX stating that my mortgage was being sold to another company, Newrez LLC with a new XXXX XXXX XXXX send the payment to beginning XXXX XXXX, XXXX. I did make the change of address to my online checking account which I pay mortage from and sceduled my payments for XXXX, XXXX and XXXX My mortgage statements for over the last XXXX years already say New Rez on them but this was a different " XXXX XXXX XXXX. My XXXX payment cleared but yet I received statement for XXXX months mortage payment due when my payment was made and electronic check cleared. I did call New Rez a total of XXXX times. I spoke to XXXX XXXX XXXX XXXX, who gave me an email address to send my proof of payment to which I did immediately. XXXX told me I had to send a copy of my entire bank statement for XXXX which I thought was invasive. I feel I am being treated like a criminal when I have had this mortage since XXXX and have NEVER been late XXXX payment. Nevertheless, I sent copy of my entire bank statement for XXXX On XXXX XXXX, XXXX I receive a certifed letter dated XXXX XXXX threatening foreclosure and saying New Rez has attempted to call me XXXX times which is not honest or true. I have received XXXX calls from New Rez. I am the one that has been calling them and emailing my proof of payment for XXXX and XXXX. It occurs to me that the old account number the old New Rez had assigned me was on my payments and their is a new account number for the New Rez LLC ( both the same name which XXXX be suspect ). I called New Rez again yesterday, XXXX XXXX and spoke to someone else who told me that XXXX XXXX should of had me email my proof of payments to loanservicing. I did mail my proof of payments AGAIN to loan XXXX on XXXX XXXX. All this has costed me hours of my time and I feel like I am getting the runaround when clearly this company has cashed both XXXX AND XXXX mortgage payments I have paid. I did email XXXX after receiving the certified letter threatening foreclosure and was then told I have to send a copy of front and back of my electronic check when I have already sent a copy of paid and cleared checks with confirmation numbers on them. I am now alarmed that this is some sort of scam as I have received a certified letter lying saying they have contacted me when they have not and threatening foreclosure with a certifed letter when they have already been sent proof they cashed the checks. My background is real estate and I am well aware of the shady scams some mortgage companies did to send people to foreclosure when not warranted. I pay all my bills on time including both my mortages and have excellent credit. This Mortage company has cashed both my mortgage payments and is threatening me with foreclosure which is NOT ACCEPTABLE.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I sent my mother {$330.00} on XX/XX/ via Venmo. The money came out of my bank on XX/XX/. Then on XX/XX/ Venmo removed a second {$330.00} with XXXX verification. Does not even show up on Venmo transaction history. I contacted the company and they told me it was an engineering glitch and that is all they would tell me. Acknowledging that the money was taken but no refund. And no timeline on when money will be refunded if at all. I am not the only person this happens to. They stole thousands soon thousands from people and will not give any answers besides it is an engineering glitch.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

I have reached out to IQ DATA TO SET UP A PAYMENT PLAN ON ORIGINAL DEBT I CALLED IN XX/XX/XXXXXXXX XXXX  To settle and was told I owe over XXXX in court fees Court fees were included I. Original amount in the amount of XXXX They can not provide any explanation or where the XXXX in court fees came from or a break down
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX : XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-11
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. (MA)

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 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a follow up of Complaint XXXX. 

Transunion had updated XXXX the balance to XXXX, thanks to you. 

But they have not changed the payment history for all those invalid lates that they are obviously guilty of placing. We all know payment history is 35 % of a consumer 's credit score, those lates from XXXX Account number # XXXX, is still affecting my credit profile in a negative way today. XXXX also saying my paid of car note is charged off, which obviously incorrect ( i will repost the evidence ). XXXX went ahead and deleted the account. 

I thought would beneficial for me in the long run to pay of my autos to have great comparable car credit. Transunion XXXX and XXXX made this a bad experience due to the fact that they FAILED AT DOING THEIR JOBS. We have our lives to live, we can't be worrying about the credit bureaus not doing their jobs, its Emotional damaging. 

I would rather they remove this account so i don't suffer anymore damages.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I would like to dispute the below transactions : 1 ) Bank of America charge of {$11000.00} XXXX XXXX XXXX For the Cure Visa Signature - XXXX Transaction Date : XX/XX/2018 Claim amount : {$11000.00} Claim ID : XXXX Merchant name : XXXX XXXX XXXX NC. 

2 ) Bank Of America charge of {$5000.00} Major League Baseball World Mastercard -  XXXX Transaction Date : XX/XX/2018 Claim Amount : {$5000.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

3 ) Bank Of America charge of {$1000.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$1000.00} Merchant Name : XXXX XXXX XXXX NC. 

4 ) Bank Of America charge of {$2500.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$2500.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

Total Amount In Dispute : {$19.00}, XXXX Plus Interests Accrued while disputing with Bank of America. 

XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. XXXX was permanently shut down by the receiver on XX/XX/2018. I would like to dispute XXXX  because the merchant ( XXXX  ) had failed to perform based on the agreement and contract we signed. The lifetime access to website training is no longer there. 

The XXXX XXXX that was scheduled in XX/XX/2018 ( a 10 day all expense paid trip ) was also canceled. I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. 

Later on, the receiver acted on behalf for the merchant to respond to the bank. The disputed amount was a valid charge but the merchant was unable to perform due to the shutdown. In the same time, I contact Bank of America numerous times to dispute the amount. 

I have provided the official document from FTC, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to Bank of America to  support my dispute. 

The dispute team was very difficult to contact, and the dispute was first denied several times with a warning to stop sending them my claim. I am in distress!
Consumer complaint received 2023-12-13
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: Dovenmuehle Mortgage, Inc. (TN)

XXXX File Id # XXXX Will someone at XXXX PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to XXXX, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against XXXX and DovenMuehle Mortgage/XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ). 
XXXX and DovenMuehle MortgageXXXX are inaccurately reporting that I have a balance of {$17000.00} for a Student Loan. First of all, I have never taken out a student loan with DovenMuehle MortgageXXXX XXXX Secondly, DovenMuehle MortgageXXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with DovenMuehle MortgageXXXX ; however, the mortgage was originally sold to Lower and, most recently, to Provident Funding. Because the mortgage was sold, the tradeline for DovenMuehle MortgageXXXX should show a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. XXXX refuses to report the balance of the DovenMuehle Mortgage/XXXX correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the DovenMuehle Mortgage/XXXX  tradeline. This means XXXX has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my XXXX credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against XXXX and DovenMuehle MortgageXXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.
Consumer complaint received 2023-05-11
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. (MA)

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 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

In response to complaint XXXX PayPal made explicit that 1. PayPal permits buyers to send business payments ( with payment protection ) without including a description 2. If a description is not included in a business payment, PayPal will resolve disputes ( even obviously fraudulent ones ) in favor of the buyer, without requiring any evidence. 

This creates an obvious problem where PayPal actively participates in enabling fraud to occur, facilitating payments for services that it then guarantees it will refund to the buyer.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On or around XXXX XXXX XXXX, after depositing my payroll check funds in my account, I paid some monthly bills directly. The next day I tried using my debit card and received error message. I called customer service and was informed the account had been closed based on issues with my payroll deposit. Because I am a XXXX XXXX XXXX I questioned why there would be a problem and rep with bank said their internal fraud team was investigating and account was not fully closed and to check back in 2 days. I did that and was told my account was still being reviewed and to make appointment for next day to go into branch and speak with bank teller or manager and have notes read on computer for possible resolution. After about 10 minutes the teller informed me nothing could be done because review was through fraud department internally and they couldn't access notes. I requested the balance in account and was told branch didn't have authorization to release balance but within 7-10 days I'd receive notification in mail explaining why account was closed and a check would be issued at that time for balance. I still have yet to receive it.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

To whom it may concern, I'm contacting you with regards to my enter actions via phone with the debt collector and as well as the discussions on how to resolve the debt collection that was first time brought up to my attention via mail.I received a letter from the Iq Data Collection company on XX/XX/2023 .After reviewing the letter I called the Iq Data Collection company and disputed the amount based mentioned in the letter.Despite my respond to the letter before the due date which is XX/XX/2023 I was informed of being reported to the Credit Bureau which has cost me a tremendous damage on my move to my new resident.Up on attempting to resolve the issue of being reported to the Credit Bureau and providing proof of being wrongfully accused of bill collection by the original creditor I spoke to XXXX XXXX who is the representative for the Iq Date Collection who not only consider my concern being reported to the Credit Bureau before the due date on the letter from the Iq Data Collection company I was refused to speaking with a supervisor.Today XX/XX/2023 for the third time I attempted to provide proof of wrong fully accused of bill, reported to the credit bureau XXXX refused to speaking with a supervisor I was also provoked by questions such if I was making threats when clearly I said that the agent was not going to get away with refusing me speaking to a supervisor and the agent getting corrected for violating the policy of Iq Data collection company for the above violations.I 'm asking to please look into this complaints as I'm not able to reach anyone else to address my issue in the Iq Data collection company.Notice please that I have made three attempts and my rights are violated by being reported to the credit bureau before the due date of the letter, refused to speak to a supervisor level and was being provoked for falleselly questioning me of making threats not to mention that I'm being accused of the bill wrongfully and reported to the Iq data collection company which I have proof for being wrong fully accused of bill.I would greatly appreciate your concern and assistance, Thank you
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (MO)

After disputing account # XXXX, Equifax stated the account was verified as belongs to me. I have requested validation of debt from Equifax and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my Equifax report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my one of my numerous endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2023-03-12
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: SANTANDER HOLDINGS USA, INC. (LA)

in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.