davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MI)

On XX/XX/2022, I received an overdraft notification from my bank. A fraudulent charge had been posted from Google in the amount of {$1000.00} for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ) '' and was sent using my name to an address I'd never heard of, " XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX United States '' I don't know how this was done, as no one else has access to my Google account or devices. I reported the fraud to my bank, XXXX, who agreed that it was fraudulent and reimbursed me. However, Google then proceeded to freeze my Google Payments  account, meaning that I can no longer use Google Pay, pay via Google Play, or make any transactions via my Google Wallet. No one at Google has been able to give me an answer as to what device the fraudulent transaction happened from or how they were able to use my account to do this. The Google transaction ID is XXXX and my Claim ID is XXXX. They declared that they didn't believe the transaction to be fraudulent, without any reason why, and so I'm stuck in a limbo of not being able to use my Google account for payments until they re-enable my account.
Consumer complaint received 2022-04-11
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. (MS)

In accordance with the Fair Credit Reporting ACT, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX account # XXXXXXXX XXXX account # XXXX have violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage refinanced my loan in XX/XX/XXXX which I had with them. Unknown to me, post closing Freedom Mortgage did not create a new escrow account for the new loan. Freedom Mortgage instead overpaid ( multiple times ) payments to my insurance and taxing entities, then attributed the over payment as a loss to me via the finally created new escrow account to the tune of ~ {$11000.00} dollars. I was not notified of any of this during the time it was occurring in XX/XX/XXXX. 

In XX/XX/XXXX during escrow calculation period, I received an escrow shortfall bill for XXXX. I have not missed a payment, my insurance and property taxes actually were reduced during that period of XX/XX/XXXX to XX/XX/XXXX, so it was unclear how an ~ {$11000.00} escrow shortfall occurred and Freedom Mortgage offered no solutions. 

Freedom mortgage 's solution was to make me repay the ~ {$11000.00} shortfall to them by spreading the amount over 3yrs, an additional {$130.00} added to my mortgage payment. Since XX/XX/XXXX ( 4 months ) I have spoken to 13-16 different Freedom Mortgage employees in : Customer Service XXXX Tax, Insurance, Issue Escalation - only to get passed around from dept to dept. It seems no one wants to take ownership of the issue through to resolution. 

This entire ordeal of the cover-up of the non-escrow account creation, miscalculation and overpayment by Freedom Mortgage 's poor record/account keeping and QC'ing has put me under extreme psychological burden and caused my family unnecessary financial hardships of which seems like there is no resolution.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (CA)

My father had a XXXX  cell phone account with my mother, I was not on this account and was not an authorized person on this account. My father died of XXXX on XX/XX/2020. My mother and I both tried to close my father 's account and pay out many times in XXXX, XXXX and XXXX. We each called t least three times and the call would drop or they told my mom a manager would call her back at least twice, and no one did. I went in person and they said I can not close the deceased line because I can't prove they are deceased and I am not on the account and therefore can not make changes. What they did decide to do is put the account in collections in XXXX and assign the collections to me. So somehow I was unable to provide a death certificate to close the account because I was not an authorized user but I was close enough to have the collections placed on my records. How abusive is this to not provide a method to close the account of deceased people during a worldwide pandemic. How starved is this corporation for my deceased father 's {$120.00} for a phone bill they refused to help close, after his death. I can not express how difficult it was to burry my father in a raging pandemic and then come home to deal with a collections account on my record for his phone bill. All other accounts I needed to clean up on his behalf allowed me or my mother a path to close the accounts, show death certificate and pay out but not XXXX They wanted to bill my dad for phone usage after his death. I am happy to provide his grave details, where they can dig for his wallet to secure the {$120.00} they are attempting to collect. I have filled many complaints via XXXX XXXX but the collections is still listed and I would like to report XXXX.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (OK)

PayPal froze my account after charging me fees for fraudulent transactions and accusing me committing fraud. But they won't allow me to protect my data or close my account. Because my PayPal account is linked to many bank accounts, a credit card, and all my personal details, I demand that they delete all unnecessary accounts and addresses and close my account.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (PA)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MT)

I am attaching a copy of my previous complaint and Sallie Mae 's response. I am also attaching an email I sent to Sallie Mae months ago which verifies that they have been sent the information they are claiming they do not have in order to process my XXXX discharge. My Doctor has clearly completed the prognosis and anyone who can read English can see that she stated " improvement not expected '' and she signed the document. What gives? They claim they do not have a document, when I give them the document for the XXXX time, they claim they need a different document that they've been given, when I resend them all the documents they turn around and claim they don't have them. Who is working at Sallie Mae a bunch of XXXX XXXX XXXX? 

I am filing this complaint because although they insist they do not have the required documentation, they have been provided the documentation numerous times.
Consumer complaint received 2023-06-22
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint, to inform you about some issues with my credit report. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on accounts that have already been paid. Correct the following accounts immediately : DEPT OF EDUCATION/XXXX XXXX Balance : {$6600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2400.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$130000.00} XXXX
Consumer complaint received 2020-02-05
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. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX , Inc ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-08-24
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. (GA)

An utility account with XXXX was fraudulently opened in my name in XXXX of XXXX. At the time, I was enrolled in credit monitoring services and contacted XXXX immediately. XXXX verified my social security number was attached to an order scheduled for an installment in XXXX. I was not a customer or a resident of PA at any time, nor had I provided my information for the purposes of obtaining credit to anyone. XXXX canceled the installation delivery, but refused to provide details of the name on the order. In XXXX of XXXX, they sent me to collections for {$750.00}. I have called XXXX several times about this matter and have disputed this with the credit bureaus. TransUnion states the account meets its requirements.
Consumer complaint received 2019-10-13
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. (FL)

This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through
Consumer complaint received 2024-01-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Premier Mortgage Resources, LLC (CA)

When I bought this condo the loan officer told me he was going to charge me {$1000.00} to lower the XXXX inters he never told me he was going to put me in the PMI even though I did put the 20 % down for this place.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last two months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/XXXX  for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. 


Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. 

But Citibank , N.A . ( My bank ) sent me a letter that I am responsible for the unauthorized and fraudulent charge. 

Citibank Dispute ID # : XXXX This is an illegal act by Citibank and I should get my money back. 

I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report The police report about the theft of my identity The letter from Citibank stating that I am responsible for the fraudulent charge and they will not credit my account.
Consumer complaint received 2022-08-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CO)

Our co-borrower submitted a complaint yesterday. She is a 'borrower ' on our loan modification documents, but Flagstar Bank will not add her to our account as a borrower or as an authorized person. Today, she received an email response from Flagstar and CFPB that stated : " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is exactly the point she was making in her complaint. Her complaint submitted yesterday stated the following : " The mortgage for our house was modified by Flagstar Bank. In the modification documents that were signed by everyone and recorded, Flagstar included me as a 'borrower. ' Originally, I was on the deed as an owner, but I was not on the original mortgage loan documents as a borrower. During the modification process, Flagstar added me as a borrower, I think because I have an ownership interest in the property. The loan modification document that includes me as a borrower has been signed by everyone ( including the Vice President of Flagstar ), notarized, and recorded. Still, Flagstar refuses to add me as a borrower and an authorized person on the account. I can not make payments or discuss the mortgage loan even though I am technically a " borrower '' on the legal document. I tried to fix this issue with Flagstar, but Flagstar refuses to talk to me. Flagstar claimed that I am not a borrower even though my name is listed as the 'borrower ' on the first page of the modification and 'borrower ' is my title on the signature line next to my name. It is not okay with me that I am a borrower on the legal loan document, but can not discuss any matter with Flagstar or access any information about the loan. Flagstar said that because I am not personally liable for the loan, I am not a borrower. This can't be true because our lawyer told me that there are many people who are borrowers with non-recourse loans who are not personally liable for their loans. '' The loan agreement listing her as a borrower and the response to her complaint is attached.
Consumer complaint received 2022-08-30
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: TD BANK US HOLDING COMPANY (MI)

I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I previously filed a complaint against AMERICOLLECT, requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. 

At this time I will inform you that if your offices continue to report invalidated information to any of the XXXXhree major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account XXXX : DEPT OF ED/XXXX Account number : XXXX Account name : DEPT OF ED/XXXX Account number : XXXX