davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

In XXXX I paid XXXX XXXX a {$300.00} advance via for lease that would cost about ~ {$620.00} x 12 months. When I arrived they requested another full month deposit which out of duress I gave ( I was tired and had nowhere else to go ). A week later I asked for it back because I knew it was not a part of the original deal and they wouldn't return it. So I filed a dispute on PayPal. Because of that, they assaulted me out of my apartment. They pried the key out of my hand as they restrained me and would not give it back. I called the police and showed them I paid rent but they did not seem to understand me. The police seemed to be asking me to leave. There is more information to provide such as stuff left in the apartment, a written but unenforceable contract, refuting what I was told they told to PayPal as their side, etc.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

My current mortgage owner, RocketMortgage, purchased my mortgage approximately 4 months ago. Since then I have been receiving regular phone calls from them to refinance, after having previously opted out from marketing communications. At the time the mortgage was sold I received notices about it from RocketMortgage and the previous mortgage owner who both stated in writing that communication preferences and opt in/out would be transferred over. Since RocketMortgage purchased it, I have also opted out with them, both via their website as well as via a phone representative. They continue to call very frequently. The most recent call the agent on their side confirmed that they never changed my contact preferences. I have also received email marketing from them after having opted out which is a separate violation of the CAN-SPAM act. At times I end up receiving 2 or 3 calls from them per day. 

After attempting to work with them to have these opt out preferences respected and this request be ignored, it is clear they have no intention of respecting it. I am reaching out to file this complaint in hopes that action from the CFPB and FTC will help correct this problem for myself and other customers of theirs who are being unfairly and illegally harassed.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (MI)

To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Experian reported two hard inquiries to my consumers credit report without my written consent to Experian to do so. No consent is identity theft. 
I, XXXX XXXX never gave Experian my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Experian did not have permissible purpose! 

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy
Consumer complaint received 2022-05-06
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. (MS)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo make it impossible to pay.. I paid the. Several days ago cause and the refuse to take there money it took me 6 plus months to be able to log in to my account so I could see statements never mailed me any bills call them to try to fix these bugs due and they just transfer you around.. and now they reporting late on my credit report cause they will send a bill or let me pay
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I was told by Mohela my payments would resume with a monthly payment of {$570.00} on XX/XX/23, under the SAVE plan ( see attached ). Then, my account was placed on an administrative forbearance, and my monthly payment was increased without explanation to {$1000.00} on XX/XX/23, which my family and I can not afford. I submitted another Income Driven Repayment Plan Request, and now several weeks later, the payment has again changed to {$690.00} on XX/XX/23, which my family and I still can not afford. I have tried contacting Mohela by secure messaging on their website, with no response to my concern. I've tried calling them several times, and after a ~three-hour hold one day did speak with a Mohela employee, who could not provide me with an explanation. This situation is frustrating, and the loan payment uncertainty is making it difficult to make future financial decisions.
Consumer complaint received 2022-03-17
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. (NY)

This account shouldnt be reporting late on my credit report as per the laws listed above, both them and youre agency are in violation and if they refuse to remove this late payment I demand the account be removed from my account entirely. Furthermore, Under 15 U.S. Code 1681e ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual in whom the report relates. Several laws are being broken in regards to my credit report and grounds for me to seek legal action. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must either remove or update the account so its are reporting correctly. Thanks for your help with this matter.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (CT)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd. (VA)

In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). 
To date, the said business has not responded. Thus, my state tax refund has been garnished.
Consumer complaint received 2022-03-17
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. (CT)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (FL)

A company called unifund bought my very old account. They also hired an attorney to sue me for my very old CC or loan .... I really don't know what this account about. It's so old I tried calling three people that I thought were the original creditors because that's what their attorneys told me and they can't find it cuz the account is so old Plus, can't find any information on it. 
They went to court to freeze my bank account XXXX XXXX & got {$3500.00}. 
I'm in the middle of going to court for the debt. It was from XXXX. Is now XX/XX/XXXX a judgment was put in XXXX. 
They tried to collect in XXXX from my old job. XXXX in XXXX. 
I didn't get any notice, I don't recall owning this account. They went with the legal proceedings in XX/XX/XXXX. 
I wasn't notified until XX/XX/XXXX ... when I was sent a letter ( after the fact ). I believe the statute of limitations is up I do not recall this account. I asked them for a verification letter on XX/XX/XXXX. 
I thought they were supposed to give it to me within 5 days? I still have not received it.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (MS)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (CT)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-03-17
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. (GA)

THERE ARE FRAULDNET ACCOUNTS LISTED ON MY CREDIT REPORT WITH XXXX  XXXX AND THEY HAVE NOT BEEN REMOVED BY CREDIT BREAUS AND I WAS ADVISED BY THEM TO SUMMIT THIS REPORT
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MS)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (CA)

I refinanced my student loans with Lendkey. Or thought I did. Lendkey is supposed to disburse my loan directly to XXXX and claims they did so. XXXX has not received the payment. 

Despite not actually refinancing my loans, and despite that I am still making payments to XXXX and accruing interest with XXXX, Lendkey is also having me make payments to them and is charging me interest for loan that they never made!
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Follow up complaint to CFPB Complaint ID : XXXX I filed a complaint with the CFPB previously about pension funds that should be reversed to XXXX by Capitol One. I had requested the reversal after I made a pension fund deposit in error in XXXX. The check was made out to XXXX XXXX XXXX ( my name ) for IRA rollover and should never have been accepted for deposit by Cap One. I immediately contacted Cap One and asked that the deposit be reversed. It took a full month for them to complete this reversal which shows as a reversal on my Cap one checking account on XX/XX/XXXX. Since that time, XXXX, the check issuer, has not received the funds back. During that time, I called Cap One customer service at least every week and requested that the funds be transferred back to XXXX, and I also Emailed contact people at Cap One asking for escalation numerous times. I also called CapOne customer service with a XXXX representative on the phone hoping to facilitate the transfer back to XXXX. 
After I filed my initial CFPB compliant, I received a letter from Cap One on XX/XX/XXXX, which directed me to contact a representative a Cap One named XXXX to complete reversal of inadvertently deposited funds back to XXXX, the check issuer. Since that time, I have attempted to contact XXXX over a dozen times, each time leaving a phone message and phone number where I can be reached. She has not contacted me. I have also called the general customer service number at Capitol One on multiple occasions and they have been unable to help me, telling me that they would investigate the issue and call me back. I have called them for further escalation on XX/XX/XXXX and again on XX/XX/XXXX. They stated that they would have " XXXX '' call me back. This has not happened. 

I have been trying to get this pension check roll over reversed to XXXX since XXXX. I have spent hours on the phone with their representatives, have written Emails to their contact people, and have now spent an additional month calling XXXX in the office of the president. The customer reps who I called on XXXX and XX/XX/XXXX have Emailed " XXXX '' to try to get her attention and have not gotten any responses. Please assign someone to handle this intervention with cap one since my pension fund rollover has been in limbo since XXXX. It is no longer in my Cap one checking account ( since XXXX ) nor is it in the XXXX pension fund account that I am closing nor is it in the IRA rollover at XXXX XXXX. It should be in one of these accounts earning interest. The amount of time I have spent trying to resolve this problem is outrageous.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX XXXX I deposited a check for $ XXXX from XXXX XXXX XXXX into my TRUIST checking account ending in XXXX. I received a receipt from TRUIST with a notice of hold as follows : {$5300.00} held with an availability of XX/XX/XXXX. I only saw two large debits that were unrecognizable to me since I had not made such transactions. I did not do a screen shot, but I called TRUIST. I was on hold for over XXXX hours and the call dropped. I called again and was on hold for over an hour and was dropped. When I checked my account again later that day the transactions were gone. I still had not received the release of XXXX I tried to contact TRUIST for two more days and the long holds and being dropped continued. On, or about XXXX XXXX I notice an increase in my account but no indication was in the ledger showing the amount electronically deposited. 

I visited a local TRUIST branch on XXXX or XXXX XXXX and discovered that {$5500.00} had been deposited and could only be seen by the bank. It still had not registered in my online account ledger. We realized that it was {$220.00} short of the full {$5300.00} held amount. I was informed that it must have been deposited on XXXX XXXX. But we could not find it in the system or on my online account. I can not account for {$220.00} added into my account. 

The receipt also stated that on XX/XX/XXXX, I would receive from hold {$8400.00} which would be the remaining amount held from the $ XXXX. on XXXX XX/XX/XXXX I only received {$8000.00} and when I called TRUIST the technician could not assist me because she could not find in the system the whereabouts of the {$47000.00} that did not carry over from hold. 

I am still attempting to reach some one in my local branch without success. I am missing a total sum of {$700.00} that did not, and can not be found in the TRUIST system owed to me from when they held the initial $ XXXX.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Setting the Standard is SPECIALIZE LOAN SERVICING 'S SLS motto. However, for 2 and half years they keep saying they do n't have all my financial docs and that is the reason no mod to date. In my previous complaint I mentioned retaliation from SLS for reporting to CPFB XXXX. So I have soooo much proof that I sent all the docs requested - yet XXXX continues. To solve this problem with SLS I am going to create a XXXX PAGE and POST ALL MY PERSONAL FINANCIAL INFORMATION since SLS keeps losing it. MY TAXES, MY SSN, MY BANK STATEMENTS, THE COMPLETED RMA FORMS AND FAX RECIEPTS AND ALLL THE PROOF THAT I SENT EVERYTHING SLS ASKED FOR SO THE WHOLE WORLD CAN CLICK AND LIKE XXXX AND SHARE THEIR STORIES ABOUT SLS. I 'd bet I could get XXXX Likes XXXX - a few good lawyers and a few good news stations interest to help my in this F, F, F, F, F, F, F FARCICAL SETTING THE STANDARDS of SLS. Now there are actually good people working at SLS. The last one I talked to said " an appeal letter is coming in the mail '' she was nice and sincere and somewhat intelligent but NO appeal letter ever showed UP!! I did receive a modification on my other property so it ca n't be that I do n't qualify .... it must be the disorganization of SLS losing my personal financial letters. XXXX here I come!!!
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (AZ)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (AZ)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ,