davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

This is a problem with my paypal account. They keep asking for the same information, which I provide to them, and then they simply ask for it again, They have had my money in reserve for months for no reason and now my account is limited. I mostly use paypal to buy now for the past 2 years, not really selling with it any more.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank Of America has been creating bogus accounts and keeps calling me for their products or other related banking inquiries. 
the recent account was created without my notice, without my consent, without my permission, etc. here is the account info : Account # XXXX XXXX XXXX on XX/XX/XXXX, received the attached letter. 

Next, another account was created in the same fashion, without my permission or consent. 
The account number for this debit card is XXXX valid thru : XX/XX/XXXX, with a security code. 
please see the second attached document for their letter. 

Bank of America was called multiple times at XXXX XXXX XXXX XXXX, and told about these letters and accounts, to be closed immediately. All calls ended with the bank associate confirming the closure and indicating that no further incidents like that would happen. But again, it did happen. 

this is a record for XXXX XXXX, to make sure that if any financial fraud happens under these bogus accounts, or any other Bank of America account under my name, I, XXXX XXXX have never authorized Bank of America to open any accounts with my name on it. 

Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX
Consumer complaint received 2018-10-11
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: DISCOVER BANK (CT)

I purchased a set of wheels for my XXXX in XXXX of this year. The wheels arrived damaged, I sent them back. The reshipped me the wheels only to arrived damaged again. The business asked me to send them back yet again. They provided me with shipping kabels which I attached to each of the 4 boxes and sent back to the conpany on XX/XX/2018. After the company received the wheels back they refused to refund my money. I contacted Discover Card which I used to purchased the wheels and started the claim. I provided the tracking info which showed the merchandise was returned and signed for. after 60 days Discover denied my claim stating no return proof. I called and spoke with a supervisor and provided the tracking info again, even uploading it to their website. They assured me that was all they needed. Fast forward to The end of XXXX and they reverse the charge again, i call yet again and again they claim i never provided proof of the return. Its clearly on the Discover website under uploaded documents. Now since it has been more than 120 days the tracking links are now dead, as XXXX only keeps records for 90 days. I spoke to the corporate office of XXXX who stated they cpuld see where back in may the tracking had been verified by a manager during my call, they would take care of it. I receuved a phine call today from them stating they are not revera8ng the charhe and I now owe XXXX for a product i sent back 6 months agao and I shpuld call the merchant and resolve it with them. They now are expecting me to pay {$4000.00} to them for something I semt back 6 minths ago!
Consumer complaint received 2024-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (PA)

I received a letter from LoanCare saying that my escrow account is short, but it should not be. 
LoanCare issued a disbursement of {$1400.00} to XXXX XXXX on XX/XX/XXXX to pay my property insurance. 
Since the bill was actually due in XX/XX/XXXX the policy had already lapsed and XXXX XXXX refunded the money to me. 
While waiting for the check to be refunded I spoke with LoanCare and was advised I needed to purchase insurance immediately. 
Due to the lapse in coverage my insurance score was too low to purchase a reasonably priced policy from the marketplace and I had to purchase one from XXXX XXXX XXXXXXXX. ( XXXX XXXX would not insure me ). 
I purchased the policy from XXXX XXXX XXXX upfront myself on XX/XX/XXXX. 
I did the application online and purchased the policy after speaking with XXXX XXXX on XX/XX/XXXX. The payment posted to my account XX/XX/XXXX. 
Contrary to what LoanCare states in their letter to me, XXXX XXXXXXXX XXXX did not receive a disbursement from LoanCare because the policy was paid upfront by me. XXXX XXXX has not billed LoanCare. 
The lapse in my insurance coverage was due to LoanCare not disbursing funds in a timely manner. LoanCare blamed XXXX XXXX for not billing them and XXXX XXXX blamed LoanCare because on a phone call from XX/XX/XXXX they told LoanCare the bill was due. 
I reported this incident to the PA XXXX XXXX. 
After investigation XXXX XXXX adjusted my cancellation date from XX/XX/XXXX to XX/XX/XXXX leaving me with a {$340.00} balance due to them. 
In total, the amount that LoanCare disbursed for my property insurance was {$1400.00}. I paid {$570.00} to XXXX XXXXXXXX XXXX for a new policy, and {$340.00} to XXXX XXXX for the final payment on my canceled policy. I have {$520.00} left of the disbursement. 
LoanCare is now stating that due to the insurance disbursement there is a shortage in my escrow account and my tax payment will be late. However, the money in escrow that is allocated for insurance has nothing to do with the money allocated for taxes. Additionally, they did not pay anything to the XXXX XXXX policy so the money disbursed was the typical insurance payment, nothing further. 
LoanCare is also asking that I pay for the lapse in coverage. When they are the ones who let the policy cancel. 
With XXXX XXXX adjusting the cancellation date to XX/XX/XXXX, LoanCare needs to do the same.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This also violates my consumer rights under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court proceedings such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2024-11-19
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. (NC)

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 2024-11-19
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. (OH)

I am writing to file a formal complaint against TransUnion and XXXX for their refusal to remove inaccurate and unauthorized information from my consumer report despite multiple attempts to dispute these errors. These actions have caused significant harm to me, including the denial of credit, and I am seeking compensation under the Fair Credit Reporting Act ( FCRA ). 

The information in question is inaccurate and was never authorized by me. I have initiated disputes with both TransUnion and XXXX, yet despite my efforts, neither agency has provided me with the required debt verification letters or removed the erroneous information. According to the FCRA, specifically Section 1681i ( a ), I am entitled to dispute inaccurate information on my credit report, and the agencies are obligated to conduct a reasonable investigation and correct or remove any information that can not be verified as accurate. 

Despite providing all relevant documentation to both agencies, neither TransUnion nor XXXX has verified the debt or offered sufficient proof that the information they are reporting is accurate. Both agencies have failed to send the debt verification letters within the timeframes required by law. As stipulated under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the information can not be verified within 30 days, it must be removed from my consumer report. 

Furthermore, these actions have had a severe negative impact on my financial well-being. I have been denied credit on multiple occasions due to the presence of this inaccurate information on my consumer reports. This has caused both financial distress and emotional harm, as I am being unfairly penalized for inaccuracies that I have disputed in good faith. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of TransUnion and XXXX, enforce the provisions of the FCRA, and ensure that these inaccuracies are corrected and removed from my reports. I also request that I be compensated for the damages I have incurred as a result of their failure to adhere to the requirements set forth by the FCRA Section 1681 ( n ) & 1681 ( o ) Please let me know if any additional information is needed for this complaint. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

Upon checking my credit report I noticed that a fraudulent collection account was placed on my credit report. The collection company is called XXXX XXXX XXXX ( XXXX ) for {$72.00}. I called the company but they could not verify anything.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

HELLO, I AM EMAILING BECAUSE I WOKE UP TO AN ALERT THAT MY CREDIT SCORE DROPPED BY XXXX POINTS DUE TO LOAN CARE FLAGGING MY ACCOUNT AS 30 DAYS PAST DUE. I AM CURRENTLY PENDING APPROVAL OF MY MORTAGE ASSISTANCE APPLICATION. I WAS TOLD IN MY CALLS CALL WITH LOANCARE WHILE MY APPLICATION IS UNDER REVIEW I WILL NOT SEE ANY CHANGES TO MY CREDIT REPORT. PLEASE ADVISE WHY YOU ALL REPORTED MY ACCOUNT DELIQUENT WHEN I AM STILL PENDING THE RESULTS OF A MORTAGE ASSISTANCE APPLICATION. 

ALSO THERE IS NO FAQ OR ANY AGREEMENT WITHIN THE MORTAGE ASSISTANCE APPLICATION THAT I UNDERSTAND THAT MY ACCOUNT WOULD BE REPORTED AS DELIQUENT IF I FAIL TO MAKE MY PAYMENTS WHILE UNDER THIS REVIEW. 

PLEASE SEE THE ATTACHED APPLICATION WHICH IS CURRENTLY UNDER REVIEW. AGAIN THE APPLICATION DOES NOT SAY I UNDERSTAND AND AGREE THAT MY ACCOUNT WILL BE REPORTED DELIQUENT TO THE CREDIT BUREAUS. OTHERWISE, WHAT IS THE POINT OF THIS APPLICATION?! 

PLEASE ADVISE,
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (RI)

After further review of alleged indebtedness I can not confirm I am responsible for it. Foremost, there is no record of a Master Promissory Note on file with the Department of Education. Please provide me with the original instrument, Master Promissory Note, and/or MPN with wet signature. Furthermore, every credit bureau has a different account number for this account. I will be mailing Department of EducationXXXX Aidvantage an affidavit requesting proof of obligation of this alleged debt. 

If I, XXXX XXXX XXXX, am found responsible for the indebtedness, please consider this my consent to credit my account from my deposit account via the Certificate of Indebtedness. Dept of ED/Aidvantage/Maximus never credited my account via the Electronic Funds Transfer Act with the interest they made on Treasury coupons. 

Please consider this, your opportunity, in good faith, to correct. 

I am requesting your proof that I am the obligated party to repay this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory notes printed is not proof of obligation. Please provide proof by affirming you did not purchase, or sell, the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth in Lending Act. Please cease and desist any further attempt to collect on this debt until you can validate it with the original instrument. Furthermore, if validated, please credit my account with the Certificate of Indebtedness including all principal and all past interest made from the Treasury coupon. See 12CFR Part 1026.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned Addresses, Names, or hard inquiries as reported. The aforementioned Addresses, Names, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned Addresses, Names and hard inquiries are the result of identity theft and fraud. 
Addresses, Names, accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am current on my mortgage. I have never made a single late payment. I had made a large lump sum payment towards my escrow account to lower my monthly payment of {$4000.00} in XX/XX/2023. I requested an escrow anaylsis to be done to lower my monthly escrow payment. The Escrow analysis was done incorrectly showing a false low balance in my escrow account causing my payment to XXXX after the escrow analysis. I can support all documentation. I am being preyed upon by this lender PHH Mortgage owned by Ocwen. I need immediate assistance with the CFPB because they are going to overcharge me for XX/XX/2023 and due to my income, I can not afford to make this payment and I am going to face certain foreclosure because of the XXXX  error this company has done to me and my family. This is my homestead property that I live in with my wife and small baby. I am current on my mortgage with not XXXX XXXX past due. PHH MORTGAGE refuses to correct the situation and will cause me to be past due on my payment and cause me to lose my only home that I have worked all my life for. 

Please see attached documents and help me with this mailicious company.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (KS)

On XX/XX/XXXX I printed my free credit reported and noticed several fraudulent accounts opened and reporting information that I did not sign up for. I immediately reported the fraud to XXXX XXXX and created a report. The theme with the fraudulent accounts is they were all opened online during the pandemic. 

Listed below are fraudulent accounts and inquiries. 

1. XXXX  XXXX - {$730.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX. XXXX XXXX Bank - {$480.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX - {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 4. Upstart/Finwise - {$2200.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 5. XXXX XXXX Texas- {$1500.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Hard Inquiries : 1. XXXX XXXX XXXX Inquired XX/XX/XXXX 2. XXXX XXXX XXXX Inquired XXXX, XXXX 3. XXXX XXXX XX/XX/XXXX 2021
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX  while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX I XXXX XXXX file XXXX XXXX XXXX, In XXXX my XXXX & I filed XXXX XXXX, & in XXXX we both filed another XXXX XXXX, negative items, that was in XXXX sayed on our credit report after XXXX  years, & the house that we filed the XXXX XXXXXXXX for was not on my XXXX XXXX credit report as a previous address. She once owned that XXXX XXXX XXXX XXXX XXXX XXXX. Her house was illegally taken,