davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (TN)

I entered into a consumer credit transaction on XX/XX/2018, with XXXX XXXX XXXX. They have assigned the servicing of my loan to NewRez Mortgage LLC dba Shellpoint Mortgage Servicing and my personal information. When I entered into this consumer credit transaction with XXXX XXXX  I gave them permission to have my personal information and ONLY them, NO ONE ELSE. This goes against my right to privacy as a consumer under Federal Law 15 USC 1692 Fair Debt Collection Practices Act. Because of this, NewRez is sending me statements in the mails and attempting to collect a debt when In fact, I have never completed an application or have any contract that permits them to collect any payment from me. The Fair Debt Collection Practices Act is made to protect consumer 's, like myself, against debt collectors, like NewRez. NewRez is committing a host of violations against me. NewRez is letting everyone know in my neighborhood that I have an alleged debt by sending mail that has a logo and symbol in the contents of their communication indicating they are in the debt collection business. This is ruining my reputation as a consumer and an infringement upon my right to privacy. Pursuant to 15 USC 1692b ( 5 ) no logo or symbol should be on any contents of communication through the mail that illustrates that they are a debt collector or in the debt collection business. In NewRez mail they are collecting and sharing my personal information, going against my right to privacy. NewRez stated that " I owed a debt '' and Pursuant to 15 USC 1692b ( 2 ) no debt collector shall state that a consumer owes any debt. In the contents of NewRez mail, they are using harassment informing me that if I dont fulfill my credit obligations they will report it to a credit reporting agency which will ruin my reputation. No debt collector shall harass in the connection of any debt according to 15 USC 1692d ( 1 ). As a Federally Protected consumer, I have exercised my rights responding to this alleged debt by sending an Affidavit of Truth and Cease of Desist certified mail with return receipt but they have disregarded my Cease and Desist letter by still sending me statements to collect an alleged debt other than a specified remedy for them violating me.
Consumer complaint received 2021-06-18
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 ()

my name is XXXX XXXX XXXX and PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 10 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to XXXX XXXXXXXX, 3 cards there XXXX, XXXX, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Consumer complaint received 2021-06-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hey, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 45 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : XXXX XXXX XXXX  XXXX, XXXX
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SEMPER HOME LOANS, INC (TX)

On XX/XX/XXXX, I had been conditionally approved for a mortgage that was closing XX/XX/XXXX with Semper Home Loans. The only two people I have ever spoken to from that company were XXXX XXXX and XXXX XXXX. They assured me that with an extension to XX/XX/XXXX, that would give them enough time to underwrite the file. On XX/XX/XXXX, they told me after I had already signed my closing disclosure, they had made an error doing the calculations for the taxes for the house and that I had to find a way to cut my homeowners insurance in half. TWO DAYS BEFORE CLOSING. I am an insurance agent, myself and I told them that was impossible. And they said let 's see if you pay off a student loan today and it gets cleared, then that should work. So I paid off my {$4200.00} student loan off. And I actually got letters from the student loan office saying that my loan had closed. And they said that was acceptable. Today, on the day of closing, they tell me it's no longer acceptable because it's still pending in your XXXX  XXXX account, something I can not control. I also told them worst case scenario that I would pay a higher down payment. They didn't even give me the option. They are nothing but liars. They constantly told me I was going to be clear to close. Over and over and over saying you're going to be clear. They lost me my house and {$10000.00} of earnest money.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (CA)

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. NOWCOM/WESTLAKE FINANC . FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WA)

I rented apartment XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX to XX/XX/XXXX. I turned in my keys XX/XX/XXXX. A few months later I got a notice ( see XXXX XXXX ) stating that I owed money on my balance. I phoned XXXX at XXXX XXXX  billing about the charges. There were a bunch of wrongful charges on the statement so I had them do an investigation ( see XXXX XXXX  ). I was told that I would receive a phone call from them once the investigation was completed. A few weeks later ( XX/XX/XXXX ) I had access to my moveout statement balance once they reversed some charges ( see XXXX XXXX  ) and was significantly different than the balance. I was never consulted about the mistakes and was never contacted other than the same email stating i owed some balance. Also attached to this statement is a copy of my lease. This is now an issue because it is negatively affecting my credit and if my current living situation changed, I would not be able to rent any housing.
Consumer complaint received 2023-01-01
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)

In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX  XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX STATEMENT all credits are from merchants. NO USAA CREDITS. Please let this complaint provide vaiid proof usaa is not zero liability. Furthermore USAA holds consumers liable for unauthorized transactions. see attatched CFPB RESPONSE XXXX XX/XX/XXXX XXXX XXXX. OF OUR STAFF CONFIRMS " USAA HELD YOU LIABLE THE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS OF {$470.00}. see attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS CONFIRMED AFTER INVESTIGATION. Kindly Note XX/XX/XXXX STATEMENT PROOVES NO USAA CREDITS AND USAA STAFF MS XXXX CONFIRMED XX/XX/XXXX USAA HELD ME LIABLE FOR THE {$470.00}. 
WHY??? AND THEY TRY TO COLLECT WHAT IS NOT OWED. USAA DESTROYED MY CREDIT.
Consumer complaint received 2021-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below.

2. Any factual information Any credit transaction between you and the consumer and them in person.

Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n.

I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft.

You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you!

Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again.

If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX ( debt from XXXX ) hired Petenaude Felix - represented by XXXX XXXX XXXX. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX Patenaude & Felix ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by Patenaude & Felix or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days  ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted Patenaude & Felix XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact XXXX XXXX and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss  XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
Patenaude & Felix made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

With both Bank of America and XXXX, when I deposit a large check, they take over a week to verify it, and move it into an interest yielding account. I did research to find this information. 

Most recently, the IRS sent me a tax return on XXXX, and Bank of America said they had to " verify '' the check and it would take over a week. Every other check I deposit is instant. 

This is an ongoing scandal with banks. I did a massive amount of research to figure all of this out. It is wrong.
Consumer complaint received 2021-06-18
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. (FL)

TransUnion and XXXX  have not updated the payment history for my mortgage account with XXXX XXXX to 100 % payment history. This was being reported in error. XXXX  has made the update and TransUnion and XXXX  have refused to update the information to be correct. This is in direct violation of the law.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Unauthorized and fraudulent charges were made on my account associated with either " XXXX XXXX  '' or " XXXX XXXX  ''. 

The first fraudulent charge I could identify occurred in XXXX of XXXX, and since then the value of fraud has increased month-over-month. 

Monthly totals of fraudulent transactions are as follows : XXXX {$240.00} XXXX {$1100.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$3000.00} Total {$8200.00} I have itemized lists/spreadsheets of individual fraudulent charges that I can send upon request. Note that there were some valid transactions associated with XXXX ( XXXX  ) and XXXX XXXX  that occurred during this timeframe, and those transactions have been identified ( by cross-referencing charges against my XXXX accounts ) and are not included in the monthly totals listed above.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX
Consumer complaint received 2020-03-18
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX