davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal claims they made a money transfer in my name for the amount of {$120.00}. The bank account that was used for the transfer does not exist since I closed it a year ago. So I asked them how they could have accessed a closed account and the reply I got is they pay first and try to collect from the bank later. This is not satisfactory and I am wondering if it is at all legal. 
The transfer was made to Washington XXXX for annual dues, a subscription I did not need since I already have XXXX from my spouse. 

I am sorry if this is going to the wrong section of CFPB but since it involves a money transfer I chose the Money Transfer Option. If need be please direct this to the correct section of CFPB.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written several letters to Transunion Credit Bureau about remove the below unauthorized inquiries thats part of their inquiry issues. 

1. XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX Inquiry from XX/XX/XXXX 4. XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX XXXX. XXXX XXXXInquiry from XX/XX/XXXX
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I requested a forebearance on my mortgage due to my roommate losing her job due to covid19, but they only offered me one option- pay three months of deferred payments in a balloon payment in XXXX. My roommate is in the XXXX industry, is a XXXX, and her employer closed when XXXX XXXX instituted shelter in place orders. She normally pays rent which allows me to cover the mortgage, but since the mandatory closures- no rent. I can not pay a balloon payment and wish to have the missed payments attached to the end of the loan. I thought that is what the law says. Please help!
Consumer complaint received 2023-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

I am responding to the class action suit related to Wells Fargo. I believe I am entitled to damages. I owned an account from XXXX to approximately XXXX. My account was transferred from Wachovia bank to Wells Fargo when they bought Wachovia. I owned a student account, likely a checking and a savings. I recall fees being charged leading me to join a different bank.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi there! 
this complaint is against capital one, who has repeatedly keep misusing my personal information, my address.everytime when i login to capital one my account my address always been reported wrong XXXX, NY XXXX, Which is wrong, i contacted capitalone XXXX to resolve the issue.After changing my password so many time, i am still experiencing the same problem. My address is XXXX, NYXXXXXXXX, That 's the only address i would like to have on file. The address XXXX, ny XXXX never been my address and never been a physical address. This address could be a result of identity theft.I have tried to resolve the issue with capitalone unfortunately they could n't help me. I never missed a payment. Should be a fair treatment to all of us, equal opportunity. 
my first name is XXXX, my last name is XXXX I am XXXX years old i reside at XXXX, NY XXXX .My email address is XXXX. My cell number is XXXX, this complaint was filed by my husband XXXX, on my request. For future correspondence feel free to contact my husband at XXXX and email XXXX .we both lived at the same address.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.
Consumer complaint received 2022-12-31
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... .Requesting that these accounts be removed. 

In accordance with the Fair Credit Reporting act Convergent Account 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.
Consumer complaint received 2023-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (LA)

On or about XX/XX/XXXX, Caliber issued Check No. XXXX in the amount of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX cents ( {$48000.00} ). This check was sent to the wrong address. The amount of this check was withdrawn from the mortgage holders restricted escrow account. 
Upon learning that the check had been issued to the incorrect address, the mortgage holder made attempts to secure the check without success. Having no success, the mortgage holder then made contact with the appropriate loss draft department and requested a stop payment to be placed on the check and a new check to be issued and sent to the correct address. 
Several weeks went by without any communication from the loss draft department and without receiving a replacement check. The mortgage holder again contacted the loss draft department to inquire into the status of the check that was presumed to be reissued. At that time the mortgage holder was informed that the check was cashed, and no additional action was taken. 
The mortgage holder insisted that an investigation be opened into the check and that a copy of the negotiated instrument be provided for review. This request was delayed for a number of weeks and the mortgage holder later learned that an investigation was not opened. 
Subsequently, a determination was made that the check was fraudulently cashed and an new check was issued to the mortgage holder ; however, the amount of the replacement check was also deducted from the mortgage holders restricted escrow account. 
Notwithstanding the fact that the issues were not resolved, and the funds had not been placed back in the mortgage holders escrow account, the case was closed. 
The mortgage holder was instructed to write a letter to the Caliber Home Loans Fraud department and to await a written response. The mortgage holder sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX. The only subsequent communication received from Caliber was a copy of the check that was cashed. No explanation, no updates, no progress. 
As it currently stands, the funds for the fraudulently cashed check have not been credited to the mortgage holders restricted escrow account, the mortgage holder as requested and been denied contact information to caliber home loans corporate office, fraud department, and legal department ; notwithstanding the fact that everyone is saying there is nothing that can be done because the case is currently being handled by these departments. Everyone the mortgage holder has spoken to says they do not have access to contact these departments and no one does. 
It has been nearly 10 months since this check was issued by Caliber Home Loans.
Consumer complaint received 2023-05-12
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. (TX)

You havent updated this account to show the date it was paid in the historical payment data ; delete XXXX XXXX XXXX XXXX XXXX immediately for inaccuracy. I will attach the transaction showing that this account was paid in full on XX/XX/2023. If this account isn't removed within 15 days I will seek legal action due to the many FCRA violations. Your incorrect credit reporting has hurt my credit score and credit rating tremendously. Please see the attached credit report showing the inaccurate data you are reporting and my bank statement showing the payment of {$540.00} on XX/XX/2023.
Consumer complaint received 2022-12-29
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: Resurgent Capital Services L.P. (NJ)

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

In light of the automatic administrative forbearance applied through the CARES Act, my Direct consolidated loans were changed from repayment to a forbearance status without my consent. I have emailed FedLoans several times without response ( weeks ago ), and finally reached someone through XXXX but the response was vague and did not make sense to me. Even the one time that I reached someone through the phone, the representative did not seem like she was sure of the answer that she was giving me. I need accurate answers to the following regarding my federal loans : 1 ) Will my outstanding interest from PRIOR to XX/XX/2020 ( obviously not the interest during the temporary 0 % interest period from XX/XX/XXXX to XX/XX/2020 ) capitalize to my principal balance at the end of the automatic forbearance which I did not initiate? There is nothing IN WRITING on the studentaid.gov  website, and Fedloans has been giving mixed messages regarding this issue on their website, XXXX, XXXX etc. 

2 ) I understand that Public Service Loan Forgiveness ( PSLF )   credits can still be earned during the period of XX/XX/XXXX to XX/XX/2020. But for those of us who would otherwise meet the requirements and qualify but are unemployed, would unemployed borrowers still be able to earn PSLF credits during this period of time? Do I need to continue to be on administrative forbearance in order to still earn PSLF credits while unemployed, or can I stay in repayment status? 

3 ) If I go back to repayment status, but later decide to go back to administrative forbearance, am I able to do this ( until XX/XX/2020 )? 

The answers to these questions may help many other borrowers if it is posted clearly on the studentaid.gov website, and it would help if FedLoans also was consistent in all of its communications ( I don't expect much from FedLoans, and I don't trust them anymore about this issue ). 

Thank you.
Consumer complaint received 2023-08-13
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have collections on my credit report that does not belong to me, I disputed these items and they were removed from my credit report, Transunion has now put those same collection, derogatory reports back on my credit report, after having relentless conversations with them and them asssuring me that they would be removed once again, they are still on there and still remains
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NM)

XX/XX/XXXX, XX/XX/XXXX, I dealt with fraud scammers whole stole {$1200.00} from my bank account. I filed a dispute with Chime. In which they investigated, then today they denied my dispute.
Consumer complaint received 2023-02-14
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. (GA)

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

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2023-06-16
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: WELLS FARGO & COMPANY (CA)

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states 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.
Consumer complaint received 2023-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Predatory lending. 
I closed on the first mortgage loan on this home on XX/XX/2003. 
I have lived there continuously since then. I have defaulted several times in 20 years but for the most part I have been making mortgage payments for 20 years. 
I received a prior modification the terms of which were predatory unbeknown to me until much later when I found out that I had a balloon and that the term was changed to 45 years and my principal was not going down. Also, recently I received a modification offer after being on XXXX forbearance and once again the terms are predatory and abusive. The lenders hide and deceive by offering a " low interest rate '' but they are increasing their profits by recreating conditions where the loan principal never gets paid off and their profit just keeps increasing. I have been working like a slave, compromising the well being of my family to line the pockets of these slave drivers!!! They are saying that in XXXX I will still owe {$260000.00} of the {$360000.00} initial loan amount after paying for 32 years!!! They have made me work as a slave to benefit from my labor and I can not even own my home after working for 32 years??? XXXX XXXX says that slavery in all its forms has been abolished. Do not let slavery exist in a deceitful underhanded way. I have been wronged and abused. My entire life has been destroyed and they are now taking the stance that since I refuse to continue slaving for them I will be driven out of my home against my will! The laws of this country should be protecting me against this abuse of power. This is straight forward and plainly wrong and needs to end!!! For me and for other people equally affected!!!! Do not turn a blind eye!!! ENOUGH IS ENOUGH. LIFT THE KNEE! I CAN NOT BREATHE!!!
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This complaint is against Experian, ( consumer reporting agency ). I am disputing information contained on my credit report with experian, and in return Experian sent me a letter stating that it appeared as if someone else is disputing on my behalf. the letter that i sent them has my information on the returned letter and experian. Experian is refusing to investigate my disputes which is holding up the disputation process which then exceeds the 30 day investigative period. I choose not to call Experian for the purpose of disputing therefore i sent my disputes through the mail and i am requesting that they proceed with the investigation.
Consumer complaint received 2017-02-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (KS)

On XXXX XXXX, 2016 my Compass Bank account administered by Simple was locked and the funds in the account subject to a garnishment. On XXXX XXXX, a deposit was attempted and denied. On XXXX XXXX, that deposit of {$570.00} was allowed into the locked account. The deposit was not supposed to be allowed, as the account was locked. 

A court order has been issued to release the funds in the account after the initial locking. Simple and Compass are refusing to follow this court order.
Consumer complaint received 2017-05-10
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. (GA)

My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with  XXXX  to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.