davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I purchased my home in XX/XX/XXXX. It had a first and second mortgage. When I filed bankruptcy I think in XXXX, I included the second mortgage. The second was around {$30000.00}. The first was {$100000.00} initially. Here it is XXXX  years later and I'm being told I owe {$120000.00}, when the original was only {$100000.00}.
Consumer complaint received 2024-04-10
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Triton Recovery Group (UT)

A debt collection company has been harassing me and my mother regarding a debt that my father has taken out for his business. Me and my mother are not associated with his business, and this agency has been contacting both of us threatening legal action, making vague threats, telling us the exact amount my father owes, and acting aggressively in general towards us both who are not involved.
Consumer complaint received 2023-06-24
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. (VA)

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX TransUnion XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

Hello, I am the owner of single family residence recently purchased on XX/XX/2022. I did not put down the full 20 % down. PMI was added to the mortgage payment at a cost of {$1000.00} per month. Since purchasing the property I have remodeled and upgraded the inside of the entire house, adding safety, efficiency, modernization and green improvements that make it more valuable than when I bought it. 

I have been in contact with GEM Mortgage ( GEM ) because, given the increased values with comparable sales, the property now qualifies to have the PMI removed since the value of the house and those around me have gone up in value and now equity exceeds threshold for requiring PMI. 

On XX/XX/2022 GEM asked me to obtain a Broker Price Opinion ( BPO ). I contacted a local third party Broker and after I received document, provided the BPO to GEM on XX/XX/2022. 

On XX/XX/2022 I called and emailed GEM to confirm they received the BPO document. Their representative now said I need to have one of the GEM representatives prepare a BPO at a cost of {$150.00} that I submitted on XX/XX/2022. The intention, as told by GEM is the process for going through with the cancellation of the PMI. I was told the BPO should take a couple of days. 

Today on XX/XX/2022 GEM is estimating it could take 3-4 weeks to eliminate PMI. This seems like lengthy amount of time to eliminate an expensive requirement and I would like to understand why, in the age of computers, and proof in hand, PMI would be so complex to remove from a mortgage. I have given GEM my credit card statement reports and receipts for all the materials I have bought, a summary of all the labor I have done and supplied them with photos of the remodeled house between XX/XX/2022 and XXXX XXXX. 

It is my perception that GEM is intentionally lengthening the process to get more of the PMI money as possible. I have all the email responses from GEM Mortgage. I am asking for investigation into the delay to remove PMI from my loan, and to confirm that it will be removed at the earliest possible time. 

Thank you, XXXX
Consumer complaint received 2022-06-03
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 XXXX Account # 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 with my written instructions.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX, I purchased a pair of shoes for {$57.00} from a website that appeared to a reputable company. I used PayPal to make this purchase. Approximately one week later, I went to make another purchase using Paypal and my transaction was denied. 

After calling PayPal the first time, they stated there was a permanent limitation on my account but could not tell me why this happened. During this first call, customer support said they were going to put my account into review to see if the limitation could be removed and I should hear something within 5 days through an email. I never received an email. I called a second time two weeks later and spoke to another customer service rep. They told me the same thing, my account was permanently limited and the status had not changed. During this call, I told the representative that I was a victim of fraud and needed to dispute the purchase from XX/XX/XXXX. He told me that he could not help me with my dispute but that I could get legal involved but that would be hard. I ended up finding a legal page on PayPal 's website and filled out a legal dispute form regarding my limitation. I mailed the form to an address in Nebraska and had to send the letter using certified mail. In the letter I stated that I was not sure why my account was being limited and why I could not be told why over the phone. I asked PayPal 's legal dept to call me or email me with an explanation on what was going on. 

One week after mailing the letter, I received an email and it said that after reviewing my account the were not going to change their mind on my account. The response I received is " PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior ''. 

At this point in time, I still have not been able to dispute the fraudulent charge, which I immediately reported once finding out the website was not legitimate and I can not get anyone to directly communicate with me on this issue. My only resources for correspondence with Paypal has been email and certified mail communication. In addition to being a victim of fraud, Paypal is refusing to assist me with a dispute and is also firing me as a customer. In over 20 years of being a Payal customer, I have never filed a claim for fraudulent activity and I have always been an upstanding, loyal and ethical client. I was a victim and I'm being penalized for something that XXXX 's of consumers face daily.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????
Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

I closed a non-penalty CD account with Citibank in XX/XX/2023 but have yet to receive the closeout check ( $ XXXXthe interest ), despite more than a year passing. Unfortunately, due to the absence of a nearby bank branch, my only recourse has been to contact their customer service repeatedly. Despite my numerous calls to inquire about the status of the check, each time I was simply asked to confirm my mailing address, with promises that a new check will be sent. Regrettably, none have arrived. When I inquired about the tracking information for the previous checks, I was informed that only the initial one had been shipped. This leads me to believe that subsequent promises to send new checks were not fulfilled. It appears that my requests were disregarded, and assurances to send replacement checks were not followed through.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received a check in the mail for {$2800.00} from a company called XXXX XXXX XXXX. They told me that if I put a wrap on my car advertising the XXXX logo I would get paid weekly. They told me to wire money to the person who would be putting the logo sticker on my car and keep the rest of the check as my first payment. My bank allowed me to deposit the check. So that same day I wired {$2200.00} to the person who was going to put the logo on my car. The next day on XX/XX/2022, my bank, which is Bank of America took {$2800.00} away from my account. That left me with a balance of negative {$1700.00}. I lost {$250.00} dollars of my own money and now have to pay back {$1700.00}. So in total I lost {$1900.00}. When I asked my bank to cancel the wire transfers they said there was nothing they could do. If the check was a counterfeit check my bank should have never allowed it to deposit into my account. I am now almost {$2000.00} in debt and can not pay my bills.
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # 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
Consumer complaint received 2022-06-03
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance has falsely reported that I was late on a payment in XXXX. I was told by the company that I have a 15day grace period in which I could make the payment without it being considered late. My payment of {$230.00} was sent in by XX/XX/XXXX when the payment is due on the XXXX of each month. I have the confirmation number for the transaction so I don't understand why they are reporting that I am late on payment for XXXX.
Consumer complaint received 2022-12-17
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. (GA)

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # 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
Consumer complaint received 2022-12-17
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. (NV)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We are struggling to keep our home and avoid foreclosure, we have had a series of hardships including 3 natural disasters ( hurricane Matthew, hurricane Irma, hurricane michael ) the only income I have is XXXX social security but Wells Fargo is refusing to recognize the income in violation of the FHA ( fair housing act )
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Account : TOYOTA MTR Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account : XXXX XXXX Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (OK)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I submitted a mobile deposit through Fifth Third Bank on XX/XX/2020, and it is being withheld from being deposited until XX/XX/2020. This mobile deposit is a payroll check from my job! I need my money NOW to pay my bills I am behind on. It should not take 12 days to verify and deposit my payroll check, thats ridiculous! When I called Fifth Thirds customer service, they were very rude, the supervisor even said she would not help me, and there was nothing she could do. Wouldnt even try to release my check to were I could cash it somewhere else, this was even after I advised her, I am about to have my car REPOED if I dont pay my loan as soon as possible, my bill is due XX/XX/2020, and Im already behind from being on bedrest for two months!
Consumer complaint received 2022-06-03
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. (CA)

Hello, 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.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. 

U.S. Bankruptcy Court : Has violated my rights Type : Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} Remarks : - XXXX also has incorrect address in file : XXXX XXXX XXXX XXXX XXXX, TX XXXX Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

NCS IS ALLEGDING THE DEBT BELONGS TO ME for {$75.00} XXXX please reference complaint # XXXX. The copy responded to my previous complaint with the documents for a tenant that resides in GEORGIA Im disappointed that the cfpb has allowed this account to continue reporting even though they have failed to prove this debt belongs to me, even though Ive expressed I was a victim of theft. Please remove this account from profile. Ive attached my affidavit, as well the documents NCS gave you guys for an account as Ive said for the thousandth time DOESNT BELONG TO ME!!
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Please removes these accounts as soon as possible Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ARE RECEIVABLES
Consumer complaint received 2020-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My complaint is regarding the scoring model that is currently used by TransUnion Credit Reporting Agency. Although I am aware of facts that the three agencies may have 100s of models to extract and score, there remains an embedded error in their scoring models. Transunion is scoring consumers on a irregular basis ; i.e. bi-weekly. Thus, creating an environment that will curtail the consumer the " right '' to gainfully make large purchases. 

Two weeks ago, I made a payment on a credit card ; thus reducing the balance. The card was not closed. It was paid down. On XX/XX/XXXX, I received an email notification that TransUnion reduced my score by 77 pts. The reason for the drop was " balance decreased by {$100.00} ''. I paid down a credit card. It was not closed. On XX/XX/XXXX my score was XXXX. HOW??? Not only is this negative action, outrageous ; it is absolutely unconscionable. TransUnion scoring model is design to keep consumers economically depressed and it can be a financial suicide for some.