davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
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)

I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX with no successful resolution. XXXX  and Equifax were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NV)

Fay Servicing was supposed to escrow our insurance and taxes. They missed out paying supplemental tax and we received a delinquent notice. It has been a while and they haven't paid it yet and we were already charged with penalty because they missed paying.
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Today XX/XX/2022, I attempted to purchase a set of shirts through XXXX XXXX XXXX. It prompted me to use PayPal. 

I entered my information, and received an email to verify my account with PayPal. Before I could even open it, I received a second email in the same minute, stating my account was " limited '', and they'll be keeping my card on file though I can't access it, or delete it, without any explanation. 

I called them to file a complaint, and spoke with an agent who recited to me reasons why she can't explain it. Although she does have the reasons on her screen, I am not privy to that information. I asked if I should be worried about fraud, she said I can't have that information. 

Essentially, they've recorded my debit card information, taken my address and personal info, and they're going to hold onto it with zero explanation of why, forever. I am not happy with this arrangement. 

I'm a straight-shooting guy, I don't run scams, I have no idea why they're doing this. Perhaps the whole entity is just collecting information for another, more corrupt entity?
Consumer complaint received 2024-03-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

I was reted XX/XX/XXXX through the Department of Veterans Affairs. That entitled me to stop paying taxes on my property resulting in a refund of {$1900.00}. Mr Cooper decided without consulting me to apply that to my following year escrow balance. Not having to pay taxes in 2024 also invalidates the need to have more money in my escrow. Mr. Cooper stated that no review of my escrow account would take place until XXXX of 2024 at which point they would have 2 years of taxes the state of Virginia will not collect and still no venue for me to revise how my escrow calculated. The refund was issued over a month ago, that should have been immediately forwarded to me as the tax payer. 

As far a future tax collection. Mr. Cooper is demanding a letter from the county satating no further taxes need to be collected before they will stop taking taxes even though my escrow balance is enough to cover the next calendar year property taxes already. 

No live person is available to speak to on any issue through Mr. Cooper 's phone system. That is a fake front, dead-ended in Automated loops.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've been disputed these fraud collection accounts on my report since XX/XX/2020. I understand COVID is a thing but after 9 months of continuous dispute letters and the items are not even in investigation is a little too far fetched. I've provided adequate documentations to prove that the accounts are not mine and yet the bureaus have not even been able to open my letters it seems since the accounts are still showing. This seems to be my last resort before I shell out money for lawyers instead of letters and preferably the bureaus will be more inclined to listen then. I'm attaching ID proofs to this complaint because I'm hearing the bureaus are closing these complaints fraudulently by stating that " they can't prove my identity ''.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (PA)

as a Federally protected consumer I am making a complaint regarding late payments and transaction history on my credit report. Upgrade INC XXXX XXXX XXXX were servicer for a loan and XXXX credit cards that was acquired. Throughout this relationship Upgrade INC XXXX XXXX XXXX did not provide any disclosures in regards to allowing me to opt In or opt out of credit reporting as this is my right. So Upgrade XXXX XXXX has been reporting to my consumer report without proper authorization or consent. I have formally noticed Upgrade and XXXX that I have revoked any and all consent to report and the errors need to be fixed. 

additionally Upgrade INC XXXX XXXX XXXX is reporting transaction history and experiences which is to be EXCLUDED from ones consumer report. I have noticed and reached out to XXXX  multiple times to remedy this matter and even asked for proof of late payments as XXXX  has not been able to provide proof. 

Because of this negligence and non compliance it has been extremely XXXX to me and my family, it has caused a great deal of mental XXXX and XXXX because upgrade inc is willfully acting out of their scope of authority and it has been very harmful to me and my ability to use my credit and be approved for credit. this is interfering with XXXX and I will seek remedy in court if this continues.
Consumer complaint received 2022-08-29
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the deletion of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed accounts. If they failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (LA)

My husband and I recently sold our house, XXXX XXXX XXXX XXXX, to a couple, XXXX and XXXX XXXX, who bought the property using an FHA loan that was provided by the XXXX XXXX XXXX located in XXXX, Ohio, with a branch office in XXXX, FL. 

Prior to closing, Mr. XXXX XXXX, general manager of XXXX XXXX XXXX, insisted that the FHA loan provided by his company required the seals on windows in the garage to be repaired. To the best of our knowledge, broken seals on windows in the garage do not constitute a threat to the health or safety of the occupants of the home. Despite our concern that the demand to fix the window was excessive, we agreed to do this so that the sale could close. The window company could not complete the work before closing, so a paid receipt for the estimate of repairs ( {$550.00} paid by XXXX XXXX on XX/XX/19 to XXXX XXXX XXXX XXXX  ) was provided to Mr. XXXX so that the sale could close. 

Even though the work was pre-paid, Mr. XXXX insisted that an additional {$850.00} be held in escrow until the work was completed. To make matters worse, the escrow hold was not put on the closing disclosure provided for our review on XX/XX/19. It only appeared on the day we signed our closing documents, XX/XX/19. We unfortunately did not scrutinize these documents again, and agreed the the escrow hold. However, I believe that changing the closing disclosure on the day of closing is a deceptive trade practice. This should have been made apparent prior to closing so that we could dispute the {$850.00} escrow hold. 

I believe that XXXX XXXX, and specifically Mr. XXXX, has committed several abuses that lead me to believe that he should not be an agent for FHA loans. These include : 1 ) Excessive repair requirements to qualify for an FHA loan 2 ) Excessive and inappropriate escrow holds 3 ) Deceptive trade practices, including changing the closing disclosure document on the day of closing so that an escrow hold could not be contested
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (HI)

I opened an account in XX/XX/year> because the interest rate advertised was at or near 5 %. There were some requirements such as a minimum balance and setting up direct deposit, which I met all the requirements for the highest interest rate and no other action was specified as needed to obtain the highest rate. Since then, I've been offered an interest rate near 3.9 % instead of the highest interest rate that I should have qualified for ( about 5 % ). 

I discovered the error, reached out XXXX times to the bank requesting a phone call, and requested information for why I was not given the highest interest rate. I never received an adequate answer. I lost approximately $ XXXX due to the bank 's error or XXXX
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (WA)

On XX/XX/XXXX at XXXX XXXX  I received {$100.00} cash app took {$2.00} in fees this payment was from An acquaintance. 

On XX/XX/XXXX I received a payment in the amount of {$60.00} from an acquaintance cash app took a fee of {$1.00} cents On XX/XX/XXXX XXXX XXXX I received a payment of {$150.00} from my girlfriend cash app took a fee of {$4.00}. 

On XX/XX/XXXX I noticed that they were taking fees and didn't understand why so I messaged them they did reimburse the XXXX XXXX XXXX XXXX XXXX  that they stole from me and informed me that for some reason I had been switched to a business account which I had never signed up for nor did they have any documentation proving that I was a business so I think they fraudulently set up accounts as businesses to take these fees and hopes that people won't notice. I informed them that this was never a business account and had many transactions dating back multiple years showing that these had never been charged before and that I would like those fees returned since I don't have a business nor did I ever. the gentleman told me that he didn't care that there was nothing they were going to do about it and that I was lucky that they did me the courtesy of returning the {$1.00} from yesterday. It's never a courtesy when you fraudulently take something. Per app disclosures, this is a free transfer site between persons. 

I was then told that there were going to be tax implications and that I would be receiving a form that I have to file with my taxes I guess I will have to go through a lawyer regarding that part of the situation because all of that is fraudulent to set up a business account and charge someone and then put tax implications on top of it even if it was {$0.00} or {$500.00} what they are doing is not okay and I am sure I am not the only one they are doing this too, this is very concerning to the general public and they should be aware of these fraudulent activities.
Consumer complaint received 2019-01-28
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. (FL)

HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & XXXX  totally removed it. Equifax still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing. 
2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX  has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) XXXX  is showing 7 hard inquiries and Equifax shows the most at 11. Equifax has not corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, Equifax is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said Yes. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my XXXX  has dropped to XXXX as of yesterday. And Equifax has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700. HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (CA)

Yesterday XX/XX/2024 in early morning around XXXX AM PST-I started a transfer with Xe - for a remittance to XXXX - XXXX trying to submit the transfer based on my inputs ( ACH debit and Bank Account Credit ) -It clearly showed XXXX business days to deliver- from end to end ( attached screenshot ) And after submitting the transfer within few hours they did verification and status online got updated to they have funds and just waiting for sending ( another screenshot ) After waiting for XXXX full business day- on XXXX I reached out to customer service chat and they mentioned it will be released only after XXXX XXXX which is much more than initial XXXX biz days promised and upon further checking the receipt they say funds will be available by XXXX XXXX which is almost 11 days since original commitment and that is almost XXXX business days. 

It is important to highlight before you commit to transfer by submit it was not mentioned only XXXX biz days language - now customer service is pointing to different FAQs whereas the website clearly says they have funds but according to XXXX they are waiting on funds and can not release before XXXX XXXX which is almost XXXX business days. 


Right now they have my funds- large amount and sitting on it without really sending- so it is clearly bait and switch
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NH)

Attached you will find copies of an appeal I sent to chase in regards to charges from XXXX XXXX XXXX. There is a letter attached regarding the issue. It was first handled through the fraud department and they denied it stating it was not fraud. I never received a letter of the denial which I asked for. The fraud department told me it was a dispute issued. I have sense then appealed it through the dispute department stating I never authorized these charges they denied my dispute appeal I have attached a copy of the denial for the dispute charges. I asked chase to provide me with the information they used to deny my appeal from the merchant three reps I spoke with said they dont have anything on file. I told them I should be able to have a copy of whatever it is the merchant sent them to sent my claim. I tried to resolve the issue with chase and they are no help at all everyone transfers me around and I get diffrent information from diffrent workers. I did not purchase anything from XXXX XXXX XXXX  nor did I in anyway authorize anyone to. XXXX saw that it was all fraud when I contacted them. If someone could please tell me what my options are I would appreciate it. I tried to appeal the dispute and they told me the charges were to far back now. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Called XXXX   XX/XX/XXXX my card was closed out and reisssued they sent me dispute paperwork Called chase back several days after got paperwork was transferred to fraud department and a fraud case was opened Spoke with several people fraud department on XX/XX/XXXX I spoke to XXXX and XXXX emailed XXXX emails from XXXX then on another date XXXX left me a voicemail then spoke with XXXX from fraud Dispute department XXXX, XXXX on XX/XX/XXXX XX/XX/XXXX spoke to XXXX transferd to XXXX he told me to give it two days didnt receive anything Called back on XX/XX/XXXX spoke to XXXX   transferd to XXXX in dispute dept transfered to supervisor XXXX
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I had a company issued American Express Card with my former employer, XXXX. When I left employment in XX/XX/XXXX, pursuant to instructions I completed a final expense report in order and closed the American express account. Charges amounting to {$330.00} not incurred by me for a company rental vehicle were added to the account prior to American express closing the account. Despite notification to American Express on XX/XX/XXXX, and several notifications to my former employer I continue to receive bills from American Express. American Express acknowledges that the account is closed but continues to seek payment from me. I am not responsible for these charges and fearful of my credit being adversely affected. With the late penalties assessed by American Express the current balance now is {$420.00}.