davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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 (CA)

I am trying to withdraw funds from my PayPal account and apparently my account is frozen because of some crypto currency transactions that I made. The crazy part is that I have only made 2 crypto currency transactions in my life, both of which were through their website. I bought XXXX dollars worth of the crypto currency back in XXXX and then sold it 2 days later because it had already fallen to a value of {$27.00}. Then I was paying off a purchase that I had made in XXXX of this year and it was their pay in four payments deal that they have. Well on the final payment I decided to pay it a little early to just get it over with and then they went ahead and automatically took my payment out of my personal bank account. I figured it was a mistake so I waited a couple of days and then it popped back up in my PayPal account as a refund. It is only {$83.00} that I am talking about here but it is the principle that they shouldn't be able to just decide to hold people 's money when they feel like it. I went to log on and transfer the money to my main bank account and was informed that my account was frozen because of transactions on my account that are out of normal pattern, and then in another conversation I was told that it is because of the crypto currency transactions that were made 100 % through their site. Please help?
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

We have requested since XX/XX/2020, approximately when BSI Financial Services took over the servicing of our mortgage, that our loan be a non-escrow loan. We have paid our homeowners insurance and property taxes for the year. They requested a written letter signed by me which has been provided many months ago. They are still escrowing money instead of applying overage to principal balance as requested. I have left messages, emailed, hand written letter scanned signed and faxed & emailed back. Each time I call they put me to some ones voicemail. Their phone is XXXX XXXX XXXX XXXX Loan # XXXX.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MN)

Dovenmuehle Mortgage, servicer on behalf of XXXX XXXX, allows customers to sign up for bi-weekly, or bi-monthly payment services. However, both services require the consumer to pay a half-month 's payment in advance to start these services. The servicer allows consumers to start service by sending a voided check via mail or fax, along with their half payment through any means. The half payment can be collected via their online portal. However, the online portal enforces that the user can not pay for this half payment without treating it as a principal only payment. The only alternative, is to pay via telephone or by check, and incur a fee the consumer can not avoid. As a result, the consumer ( including myself ) receives a delinquency notice even though my mortgage is current, and payment has already been processed. While I realize online portals are often difficult to maintain and offer a lot of underlying services to consumers, forcing customers into situations where they do not realize how these things impact them is basically fraud. I have contacted the company, whom claims I can resume my bi-weekly payment service if and only if I make two more in-full payments, and can not avoid my late payment fee.
Consumer complaint received 2021-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-03-01
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. (IN)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

Back in the beginning part of XX/XX/XXXX I reach out to the regional of the office never got a response back so I had to keep calling the area manager and new area manager finally called me back she stated that she never got my message. Her name is XXXX and I stated to her that I was given wrong information about my account when I made the payment they applied it to the month of XX/XX/XXXX not XX/XX/XXXX so its showing on my credit report that Im in 30 days late theyre telling me that they can not go back and change it and I told him yes you can because I was given the wrong information I have tried on several occasions to have this matter rectified and to have it reporting correctly on my credit report.
Consumer complaint received 2024-02-28
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. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (TX)

This is my fourth 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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} NCB ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX ASSOCIATES ) XXXX Balance XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$34.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$45.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$43.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$38.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$38.00}
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (CA)

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I took out student loans they became due for payment in 2009 I have never made apayment the statute of limitations for collecting on a debt in California is 4 years it has now been 8 years and now they want to collect. This is a violation of FDCP rules
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and capital one refuses to update or notify the remaining credit bureau that I am not dead. I have called Capital One and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of Capital Ones Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to Capital Ones gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by capital one as recently as XX/XX/XXXX. So Capital One again is ruining my credit report with inaccurate information. 

The correct reporting from Capital One should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did Capital One even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

XXXX : I have incorrect late payments marked in your system for my Capital One card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from Capital One stating these are not late payments and are incorrect. Update these please.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WY)

I got a letter from Wells Fargo today XX/XX/2021, dated XX/XX/2021 that they are closing my account on the XX/XX/2021. I have called the bank and visited my local branch, they would not tell met the reason for the closure. I have never had a late payment or been in bad standing. I have absolutely no idea why they closed my account.
Consumer complaint received 2021-05-24
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. (CA)

i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to XXXX XXXX AND TRANSUNION only Transunion fixed the issues XXXX and XXXX refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I refinanced my mortgage on XX/XX/2021 through a new lender. Wells Fargo was supposed to refund my {$3800.00} escrow within 30 days and informed me of the refund via USPS mail. 

I'm still waiting for my escrow refund check on XX/XX/2021. 

Their system said that they cut the escrow check on XX/XX/2021. Again, I have not received it. When I called to speak to a person, they said they would cancel the prior escrow refund check and issue a new one, which would take 30 days. When I asked if they could XXXX  me a check ( given the amount ), they said no. 

I'm a long-standing WF customer, with over {$150000.00} in savings with Wells Fargo.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (GA)

XXXX is incorrectly reporting an account that has passed the 7 year mark. This account is over 8 years old and the other credit bureaus have deleted the account over a year ago but Equifax fails to update credits reports resulting in inaccuracies and causing adverse effects on my ability to obtain credit elsewhere.
Consumer complaint received 2021-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I sent a XXXX XXXX letter with XXXX and XXXX payment for my mortgage with PHH, Check number XXXX in the amount of XXXX. Received by PHHon XX/XX/XXXX and signed for by XXXX XXXX. Today is XX/XX/XXXX and the check has still not been posted to me account, I have emailed XXXX XXXX, account manager and XXXX, 3 TIMES and have received no response. None. I have called four times to speak with an agent and I am told to be patient. This is the most disgusting company, completely unethical. I am on hold now with agent XXXX, an escalation manager asking why it has not posted. He explained it is with the ombudsman department and the funds are in suspense. Cashiering has not processed. This is unacceptable. The agent XXXX said he will call me back 3-5 days which I said is unacceptable.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2023-06-29
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter