davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AL)

Currently I am being charged PMI. As of XX/XX/2021 I owed less than 80 % on my home based on current market value and Loan Depot is refusing to drop PMI. They also will not disclose what my home value is being based off of while I sent them all recent sales within the neighborhood to prove my value of ny mortgage is less than 80 %
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Our house burned down XX/XX/2018. We immediately contacted our insurance and mortgage company. When insurance pays they send it to your mortgage company all of it not just what you owe on the mortgage. NewRez Mortgage company is who we have our mortgage with. It has been like pulling teeth to get them to pay us the money that insurance sent to them. We tried sending the builders pay schedule, ( they said they dont work like that ) sent too many emails to count, made phone calls etc. They either take a very long time to get back with you or they dont contact you at all. When you call them they tell you they will do something but they dont. They tell you they will call you back but they dont. They tell you they have not heard anything but then you talk to another person and they tell you they have heard something. We had to have 2 inspections done by them to receive more money after The first one we never heard back so we started calling and they had sent the wrong form to be filled out so it was a bogus inspection. They finally sent money but they sent it to the wrong address so we had to track it down and what should have been overnight took over a week for us to receive We have also had the last inspection for a final release and yet we have still not been given our money. The inspection was done on XX/XX/XXXX They are suppose to have 10 days to release funds but when we can finally get someone on the phone. They say we have not received an inspection report or We received a report but it came back at showing the house was only 1 % complete or they dont call or write you back at all. We are officially living in the house now and they still have not released the money or contacted us. We have asked for the rest of the money plus the interest earned while they were keeping the money but we never hear from them. We have had to borrow money and cash in 401 documents and cash in mutual fund documents etc. all of which we will have to pays thousands of dollars in taxes on all because they would not release the money in time for us to pay the builder. I dont know how they get away with treating their customers like this. We have no choice who our mortgage gets sold to and maybe none of them are any better but this whole experience has been made 100 times worse because of how NewRez chose to do things.
Consumer complaint received 2021-09-28
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

HSBC froze my account on XX/XX/XXXX due to potential fraudulent activity. I do XXXX XXXX for a living and two of my clients pay me via direct deposit with part of their XXXX XXXX. The same two clients have paid me {$150.00} each year for over 10 years. When the 1st stimulus checks went out in XX/XX/XXXX they were deposited into my checking account. I instantly paid each person. Then the 2nd stimulus checks went out in XX/XX/XXXX and once again they hit my checking account. I instantly paid each person. After I XXXX XXXX XXXX XXXX XXXX I updated each account to avoid any future stimulus checks from hitting my account. However, on XX/XX/XXXX HSBC froze my account and they are accusing me of stealing funds. HSBC will not let me provide proof of payment to each person nor will they review the XXXX XXXX. In addition they will not contact my clients as proof that they have been paid for every XXXX. In addition to this, my mortgage payment cleared my checking account on XX/XX/XXXX and my account was froze on XX/XX/XXXX. HSBC reversed my mortgage payment on XX/XX/XXXX. Attached are copies of my clients XXXX & XXXX income tax return.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There is an inquiry from XXXX XXXX dated XX/XX/2018 on my credit report. At the time, I was checking online with XXXX to view my rates on a loan. In doing so, the disclaimer said this will not affect your credit score as we will not pull a hard credit inquiry. 

The next day, I received an alert on my credit monitoring service that a new inquiry was made with Equifax and XXXX XXXX from XXXX. 

I called XXXX and spoke with an account manager. They agreed that a hard inquiry should not have been requested and asked that I fax over the credit reports in question. 

I received correspondence from XXXX that they have requested the inquiry be removed from my credit report as I never applied for the loan. 

XXXX  removed the inquiry and sent me a new credit report which is attached as well as the letter from XXXX and the letter from Equifax saying they will not remove the error.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc. (LA)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-11-18
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-28
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 (GA)

I, XXXX XXXX, have been a customer of PayPal for over 8 years, never had any problems with the account and have always been in good standing with my account. However, once I allowed my business partner access the account, I was arbitrarily placed under investigation for what paypal labeled as unauthorized or questionable transactions. I was asked to identify myself and I provided all of the information that was requested. However, even after they admitted to being identified successfully, I was rendered unable to use my account thus costing me business, even though I explained to them that I dissolved my business relationship with my partner and secured my account by changing my password. The issue that I have is two-fold : 1 ) Paypal arbitrarily terminated my account without due process.

2 ) Paypal has failed to refunds the money in my account totaling {$600.00}.
Consumer complaint received 2021-09-28
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. (NJ)

XXXX and Equifax they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified also by the reporting company XXXX XXXX reopened and account status that was once reported closed, they continue to do so and reset the statue of limitations which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (CA)

Hello, XX/XX/21 - Someone is trying to take out a loan in my name with Upstart , Inc., I received notice via email. I called Upstart to try and stop the application from proceeding and they told me they couldn't do anything about it because I did not have enough of the contact information that person impersonated me provided in the application. I had the email address and my full name but they told me it's in their policy that they can not do any at all to stop the application if I do not have the address the person used to open the application.
Consumer complaint received 2021-09-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of Mazda Financial Service on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash from me. The finance charge is suppose to include insurance, but XXXX XXXX of Mazda Financial Services made me purchase my own insurance separately. XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Mazda Financial Services has unlawfully collected 11 completed payments from me on behalf of this alleged debt. Mazda Financial Services has attempted to harass me via phone regarding this debt. Mazda Financial Services has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Mazda Financial Services an opportunity of notice to settle these violations civilly and in accordance with federal law. Mazda Financial Services response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt nor consent to the now void contract therefore Mazda Financial Services must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi, my case XXXX wasn't solved. BOA said they sent me a letter response but I never received it. The case left me 60 days to respond on CFPB but I was traveling out of the country and wasn't be able to respond in time. When I checked my case today and it shows it is already closed. 

In a word, my case was not solved at all and nothing ( credit report ) has changed so far. It is very disappointing that I even don't have a place to leave even a simple comment or feedback.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Professional Credit Management, Inc (AR)

I have requested via mail to have these unverifiable accounts eliminated 4 times from the credit bureaus dates are as follow : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have been receiving medical bills monthly and phone calls for over a year, stating that I owe money for XXXX XXXX provided. I have my health insurance EOB 's for all dates listed that show the patients responsibility is XXXX. I have sent them copies of my EOB 's via the mail and email, but they say that they have not seen them. The are threatening to send the information to collections and damage my credit. I have also contacted my insurance company several times on this issue and they said that I do not owe this money. My insurance representative has also called them on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and relayed to them that the I do not owe the money, but they keep saying that I do. 
I am listing the dates and amounts that they are asking for below : XX/XX/XXXX {$420.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00}
Consumer complaint received 2021-09-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (NJ)

Dear Statebridge, Re : Property Address XXXX XXXX XXXX XXXX, Florida XXXX Loan Account # XXXX Attached please find the XX/XX/2016 NOTICE OF ASSIGNMENT SALE AND TRANSFER OF SERVICING RIGHTS letter from Statebridge Company LLC. 

AS XXXX XXXX HAS NO RECORD OF LOAN ACCOUNT # XXXX IN THERE SYSTEM PLEASE ADVISE THE STATUS OF LOAN ACCOUNT # XXXX. 

ATTACHED IS THE XXXX TO XXXX LOAN PURCHASE AGREEMENT AND LOAN SCHEDULE FOR LOAN ACCOUNT # XXXX. 

PLEASE NOTE THERE IS NO LOAN ACCOUNT # XXXX NOTED ON THE XXXX LOAN SCHEDULE. 

WHAT IS THE STATUS OF LOAN ACCOUNT # XXXX? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NM)

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$950.00}
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (TN)

I was sued by Lloyd & McDaniel for a debt that was already paid.I entered into a settlement agreement with the creditor for the amount of {$880.00} from the original amount of {$1200.00}. The creditor 's attorney at the time, XXXX XXXX  XXXX, XXXX, sent me a notice that the debt had been settled and the account closed ( please see the letter dated XX/XX/year> ). I was never served with any paperwork for the suit that was fled regardless of the General Session court documents from XXXX XXXX indicating she was served on XX/XX/year>, and she maintains that the debt was settled prior to the suit. I hired a lawyer who has requested Lloyd & McDaniel vacate the judgement and after two letters they have failed to reply.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

Hi, As an XXXX XXXX, I opened a bank account and credit card with Wells Fargo in XXXX for a brief period of time. After learning of their malpractice, in a myriad of different offenses, I decided to remove my money from the bank account and terminate my services with Wells Fargo. I closed the account in XXXX, the same year I opened it. At the time of closing my account, I had a {$0.00} balance with the Credit Card at Wells Fargo. 

In XXXX Wells Fargo issued a charge off for the balance I " owed '' which indicates a {$0.00} amount. I have contact Wells Fargo Card Services directly in multiple attempts to get this resolved and have them accurately report my information to the XXXX, XXXX and XXXX credit Bureaus. In addition, I have paid a subscription with a 3rd party credit repair organization, XXXX XXXX. 

Wells Fargo has sent me letter after letter saying they couldn't process my request. First for my attempt directly with their Card Services and now several more with XXXX XXXX contacting them on my behalf. Still they remain adamant, with the exact same verbiage in each letter, that they can not " complete my request because we can not determine what specific information is in dispute. '' I have provided all my account information and every detail they require for dispute but continue to act as if that my information doesn't exist in their system despite the fact is it being reported to the credit Bureaus. 

I could never pay the amount I " owed '' because it is a {$0.00} amount but Wells Fargo is still reporting it as a negative item on their end. I have tirelessly attempted to resolve this issue because my credit score is negatively impacted by this charge off. 

5 years later, I am now in my late XXXX XXXX and attempting to get a home loan and this malpractice from Wells Fargo is impacting my ability to get a favorable and affordable mortgage rate. To add, I was a XXXX from XXXX - XXXX and Wells Fargo took advantage of my financial illiteracy at the time and now will not rectify this issue despite never having taken a financial loss with me as a customer. 

Please if anyone can help or point me in the right direction on how to approach this issue, I will take all feedback and suggestions. Attached is a letter of acknowledgment when I submitted my claim.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (OR)

Opened an account XXXX with XXXX XXXX. In XXXX XXXXXXXX XXXX showed up on my credit report. I have never had an account with XXXXXXXX XXXX. I believe after speaking with XXXX XXXX and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The XXXX account I had was closed in XXXX and never reopened. This account is over 8 years old. 
I have never had an account with XXXX XXXX. 
Spring oaks collection llc stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.