davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (PA)

My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a tax return in my name I have also attached the affidavit from the Internal Revenue.Please delete the items as soon as possible.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I was doing a refinance on my home. A family member told me cash call was giving a 3.25 interest rate. So I call. I go through the whole process and even got the paper work notarized. I though it was a dont deal. Boy was I wrong they call me yesterday and told they will not finance my loan. The reasoning was that they couldnt sale any of the loans they had at this time because people arent buying them. This just blew me away how they could back out of a signed contract like this. Is there anything I can do? Is this my problem or cash calls?
Consumer complaint received 2020-03-23
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 (MA)

PayPal decided to restrict any access to my account because they were supposedly notified by one of my credit cards that there was unauthorized activity. First of all I didnt use PayPal to make that purchase so I find that odd second of all they wanted a full statement to prove it was me because they couldnt just use the first page? Which is all they got. I find it very weird that they can lock my account bc they claim my card that had not been used for a specific transaction with them and then want my whole credit card statement to prove my identity like its any of their business what I charge on my card? They got the first page. They have no one working when they tell you to contact them I did it said there were no live operators due to covid 19 yet I am on lockdown and I work from home so I dont buy that excuse with a large company handling money. They can close my account and they seemingly dont want to do that either.
Consumer complaint received 2022-12-29
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. (TX)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, a credit reporting agency, provides no means of disputing an item on my credit report. For more than a month, their system says they're experiencing technical difficulties when attempting to file an online dispute. There is a toll free number provided, but does not enable a dispute to be filed there either. It is impossible to reach a live operator. 

I want them to remove a hard inquiry that should never been made in the first place. On XX/XX/2020, XXXX XXXX XXXX accessed my credit report via a HARD inquiry. I have never requested any credit from this company. It is simply a collection agency, requesting my report for an alleged original collection more than ten years old. If this company now owns an interest in this alleged 10 year old collection, it should have inquired via a SOFT inquiry, rather than a HARD inquiry. Their improper action has negatively impacted my credit score. 

I have also contacted XXXX XXXX XXXX and they have ignored my demand.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My complaint concerns the failure of my loan servicer, NewRez LLC ( " NewRez '' ), to pay my homeowners insurance premium from my escrow account. When I was forced to make the payment to avoid cancellation of the policy, NewRez refused to reimburse me from my escrow account.

On XX/XX/XXXX, I refinanced the mortgage on my condominium located at [ redacted ]. The loan originator was XXXX XXXX XXXX , XXXX. 

When I refinanced the loan, I submitted evidence of insurance that I had homeowners insurance with Illinois XXXX XXXX XXXX ( " XXXX '' ). XXXX listed XXXX XXXX XXXX , XXXX as the mortgagee on my policy, and the premium was set up to be paid from my escrow account. 

Shortly after I refinanced, my mortgage was sold and NewRez was named the new loan servicer on XX/XX/XXXX. NewRez thereafter took no steps to contact XXXX to update the mortgagee clause on the homeowners insurance policy. 

Because NewRez did not notify XXXX  that they had acquired the loan, XXXX sent XXXX XXXX XXXX the bill for the renewal premium in XX/XX/XXXX. I advised XXXX on XX/XX/XXXX that NewRez had acquired the loan. The XXXX agent, who is incredibly responsive, attempted to contact NewRez several times over the next month to get information about how to submit the bill for payment and update the mortagee clause, but New Rez did not respond. A copy of my correspondence with XXXX is attached as Exhibit A. 

On XX/XX/XXXX, XXXX notified me that it still had not received payment of the premium and that my policy would be cancelled if payment was not received by XX/XX/XXXX. Given NewRez 's  complete failure to respond to the XXXX agent on this issue and my difficulties getting NewRez to pay anything out of the escrow on another issue, I had no faith that NewRez would pay the premium by XX/XX/XXXX. I accordingly paid the premium myself on XX/XX/XXXX to avoid cancellation of the policy. A copy of an e-mail confirming that I paid the premium is attached as Exhibit B. 

I called NewRez later that day to request reimbursement of the premium payment and seek an explanation as to why NewRez never responded to XXXX ' inquiries. The customer service representative sent me a form for XXXX to submit to update the mortgage information on the policy, but would not agree to reimburse me for my premium payment from my escrow account. 

XXXX  submitted the form provided by NewRez to update the insurance information on XX/XX/XXXX, but NewRez has not processed it. ( See, Exhibit C ). In subsequent phone calls with NewRez, the representatives tell me that I can not obtain a direct reimbursement of the premium payment from my escrow account. Instead, they say I can only get a reimbursement from XXXX after NewRez pays the premium. NewRez, however, still has not paid the premium, and it will not because the amount due on my XXXX policy is {$0.00}. A copy of my correspondence with NewRez is attached as Exhibit D.
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies from the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies from the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a Kolh 's credit card and very seldom us it. For years I had received a paper statement to pay my bill. Suddenly my account had changed to paperless statement. I do not know how this came about. Because my wife nor I made this change. I did not realize this until last week I got a letter about our payment being past due for several months. The letter said I owed {$100.00}. I called the number in the letter XXXX XXXX to speak with someone. I told her I never received a statement, she said you have paperless statement and I said no I do not. I get paper statements from all store cards we have, XXXX, XXXX XXXX, XXXX, XXXX XXXX. After getting off the phone with this person sure enough it had been changed to paperless. So I checked my emails for a notice for the bill. There were none. I checked my trash for it to see if I made a mistake and trashed the email. I have over 1400 in trash dating back to XXXX of last year. Nothing. I checked my spam. Nothing. My wife bought items around XXXX on line and a purchase in store. So from the first of this year they show me as not paying my bill. Charged me interest fees and late charges. Now when I got on my Kohl 's site and looked at these statements on line I found that I owed {$320.00}. Why wasn't the amount in the letter? I did not get statement for over 2 months. So fees and interest are added each month. If I hadn't gotten on line and paid the {$100.00}, there would be still money there they could charge fees on not knowing the full amount. I mailed a check for the {$320.00}. I always pay off my credit card bills in full to avoid paying interest fees. If our purchases are to great at the time, we do not buy the items unless I know I can pay it off when the bill comes. They get you to use the card saying If you put the purchase on your Kolh 's card you get this extra percentage off. XXXX you in to using it. 
I believe someone in the credit card sector changed our account from paper statement to paperless. Did not send me estatements so they could add interest fees and late fees. Then send a letter saying I'm late on my payment of {$100.00}. But not the total amount of {$320.00}. Why did they not give me the total of the balance? Someone is playing games to generate monies fraudulently. If their doing this to me how many others have they done this to. I will never be using a Kohl 's card again.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Greetings. I have recently reviewed my credit report and have found numerous inquiries that should not be listed on my credit report. These violations evidence unfair reporting pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I never gave these entities or the credit reporting agencies permissible purpose nor written instructions to access or report this information and they never clearly or conspicuously disclosed that they would disclose this information. Additionally, they never gave me an opportunity to opt out of these inquiries being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave these companies permissible purpose to report this information and they need to immediately remove all inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
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. (NJ)

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2023-05-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00}.
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (CA)

I was in a car accident on XX/XX/XXXX. My car was deemed a total loss. I followed all protocol and informed the lender and all insurance companies. Global Lending Services LLC was the lender. They were paid {$19000.00} by the insurance. There was a remaining amount of {$6400.00} in which my GAP insurance coverage would be covering. Global Lending contacted the GAP Insurance on XX/XX/XXXX to inform them of the remaining balance owed. The GAP insurance paid the remaining amount owed in XX/XX/XXXX. 

Despite the fact that the total amount would be covered by my insurance as well as my GAP coverage. Global Lending Services says I have an outstanding balance of over {$1400.00} ( they have since changed the amount to {$2000.00} ) for car payments from XXXX to XXXX. I do not own the car and it was totaled during the months they claim I owe them a payment. THE ENTIRE LOAN AMOUNT HAS BEEN PAID OFF BY INSURANCE, thus there is no loan to even make payments toward. The three car payments would go to directly profit Global Lending. It was confirmed by supervisor XXXX that the loan amount was {$0.00} and the three payments would not go toward that loan as insurance paid the loan in its entirety. The company is just trying to profit off of my misfortune. Due to the fact that there was a three month lull in which the GAP insurance did not pay they are extorting me for these car payments for that three month period. I am not responsible for how fast or slow the GAP insurance made the payment. Again, the loan was paid in full but they are still threatening to report me for not paying three car payments in the time that they awaited GAP 's payment. 

I agreed to pay the interest amount on the loan amount owed by GAP ( approx 6k ) but Global Lending will not accept that. They want three full car payments although the car was totaled and the loan amount is at a {$0.00} balance. 

They are threatening to report me to credit agencies and extorting me for these payments. They claim they will cease action if I start to make payments and will back date the " paid in full '' status to XX/XX/XXXX when I got in the accident. This alone shows they are not entitled to these payments and are willing to " work out a deal '' for money they are not owed.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I woke up at XXXX XXXX and was alerted on my phone that I withdrew {$260.00} from ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I immediately called the bank and filed a claim for fraud. According to the online bank details the money was withdrawn at XXXX XXXX XX/XX/XXXX. I could not have withdrawn that amount as I was sleeping. I did not lose my card and I did not give anyone my pin. I had the card on me. The money was withdrawn from the banks branch outside on an ATM. They should have video footage. The next day XX/XX/XXXX I got an alert saying the claim was completed, so I called to check on the status. They said that the case was closed and that they would NOT be reimbursing me for the amount of {$260.00} and that they determined it was not fraud. That they could not provide me with video footage or anything else. That they could not re-open the case. I do not understand how it could not be fraudulent and how they could not investigate any further if they have all the evidence they need. I ordered a new card that same day XX/XX/XXXX after submitting the fraud claim to evade more fraud occurring. 

I was affected Financially. The {$260.00} that were stolen from my account were going towards my car lease. Now I'm going to pay it late and will get late fees charged. I don't even know how I'm going to come up with the money. I might even get my car taken away from me. I can not afford to lose this money. Specially due to the Worldwide impact of COVID-19.
Consumer complaint received 2020-03-23
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)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX  Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit XXXX Credit   limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit XXXX Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Less than two weeks ago usaa opened a closed account after a direct deposit was mistakenly sent there and they took my money that never should've been owed but thats irrelevant atthis point. Usaa then closed this same account t and mailed a check. They did all of this without my consent or authorization. But now my much needed stimulus check was sent back and they refused to open this same account even though they had just done this very same thing less than 2 weeks ago. Now I'm going to have to wait even longer for my stimulus due to usaa 's extremely selfish unfair business practices.