davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (AL)

When I purchase a home in XX/XX/XXXX, a XXXX XXXX mortgage for a home I do not own was listed on my credit report. 
I reached out to the bank via phone. They confirmed that this mortgage existed & was incorrectly assigned to me & it would be corrected. 
Last year as I applied to refinance a home, this same mortgage was still on my credit report. This time, XXXX XXXX sent me a letter telling me the account was handles appropriately & they didnt need to take any action. 
I dont see this mortgage if I am checking my XXXX XXXX account, but if the bank pulls my credit, it is there. 
I have tried contacting the credit bureaus, but as it does not show up on my credit, I cant direct them to dispute this issue.
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems (AR)

XXXX XXXX SOLD MY DEBT TO XXXX XXXX XXXX, TO WHOM SOLD TO XXXX AND FINALLY MIDWEST RECOVERY SYSTEMS, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I checked my credit report today and it shows two hard inquiries. I want them removed. 
XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Soft Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My former address of XXXX XXXX XXXX is listed as XX/XX/XXXX. This is incorrect. I lived there last in XX/XX/XXXX. 

On the following accounts, it shows the high credit as the same for every month shown. The high credit should be lowered for each month as payments are made. 
1. XXXX XXXX XXXX Account number XXXX shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
2. XXXX XXXX Account number is not shown and it shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
3. XXXX XXXX Account number is not shown and it shows high credit as XXXX. That is wrong. 
4. XXXX XXXX XXXX that shows no account number and balance is XXXX. Please correct the account number. 


XXXX  XXXX XXXX shows open. It is closed XX/XX/XXXX. Please change it to closed.
Consumer complaint received 2019-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from capital one in XX/XX/2017 and the other is from XXXX/ XXXX XXXX , Florida in XX/XX/2017.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bank with bank of America and for some strange reason my funds are missing out of my account I was informed by bank of America that my account was hacked or stolen where someone been charging and removing money out of account u put complaint in and only answer I'm getting is they are closing my account my money missing and that's it, I would like to have my money and transfer to my other bank account at XXXX XXXX
Consumer complaint received 2019-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

The problems began more than a year ago when I asked for a loan modification. I could not afford the payments as they stood. The loan modification was completed and granted, however, the payments on the mortgage loan increased causing further delay in making the mortgage. I called the mortgage company once I received the loan modification and was given a contact person to discuss the loan modification. I called and left messages 5 times to no avail, and did not receive a return call. We are now in a short sale situation and again, I am having issues with this company. I have asked on seven separate times, either through email, or personal contact by phone, for a payoff statement amount and a short sale package as we have a buyer for the home. My last contact with them was XX/XX/2019 and XX/XX/19. Both times I was told that I would receive my requested information by the end of the day, and both days I did not receive the requested information. I have read many customer reviews relative to complaints to this company and find their treatment towards me is typical. Last night, XX/XX/2019, I again called the company at XXXX XXXX and asked to speak to the manager. After an extremely long wait I did speak to a manager and was informed that Loss Mitigation needed further documentation from me, however they did not address my numerous requests. They requested that I provide them with a listing of the property and the sales contract, which they did not request after I contacted them 7 times ago. But it appears to me that if I don't provide them with the documentation they have requested, they will not send me the information that I need, sort of blackmailing me. I can not provide them with a copy of the sales agreement until I have the information that I initially requested. I have contacted my realtor and am waiting for a response from them. May of the complaints I have read indicated that the company consistently requests further information in the form of documents, thus slowing down the process, and I feel this is happening to me.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

UPON LOOSING MY LAPTOP AND THE CARRYCASE FOR SUCH THAT MY CARDS WERE IN I REPORTED IT TO WELLS FARGO. I ALSO NOTICED A BANK ERROR THAT SHOWED MY ACCOUNT TO HAVE AN INCORRECT DEPOSIT THAT I HAD NO KNOWLEDGE OF I ASK THE BANK TO FREEZE MY ACCOUNT BECAUSE SOMEONE WAS DOING TRANSACTIONS WITHOUT MY CONSENT OR KNOWLEDGE THA REP TOLD ME ASSURINGLY THAT MY ACCOUNT WOULD BE FROZEN. DAYS LATER I NOTICED THAT IT WAS INDEED NOT FROZEN AND THAT MORE MONEY WAS BEING DEPOSITED INTO MY ACCOUNT VIA CHECKS AS LATER CONFIRMED THROUGH RESEARCH. I SPOKE SEVERAL TIMES TO THE FRAUD DEPARTMENT ONLY TO BE PUSHED FROM DEPARTMENT TO DEPARTMENT. AND LIED TO IN THE END THIS BANK CHARGED MY ACCOUNT FOR AN AMMOUNT OVER 2,000 DUE TO FRAUDULENT CHECKS. THAT I INITIALLY BROUGHT TO THEIR ATTENTION. THE SIGNATURE IS NOT MINE, AND THEY DID NOT HAVE ANY FORM OF ID WHEN THEY DEPOSITED SAID CHECKS INTO MY ACCOUNT AND WITHDREW THE FUNDS OR PARTIAL FUNDS SAME DAY. THE BANK REFUSED TO STOP THE TRANSACTIONS BUT INSTEAD TREATED ME AS IF I WEE THE CRIMINAL. IN THE END I LOST THE MONEY THAT I USED TO OPEN MY ACCOUNT WITH OUT EXPLANATION AND YET TO SEE WHAT WAS DONE ABOUT IT BECAUSE THE BANK LOCKED ME OUT OF MY ACCOUNT AFTER ADMITTING IN A SECURE EMAIL THAT THEY HAD MADE A MISTAKE.
Consumer complaint received 2019-01-27
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. (MO)

After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

I am running for XXXX XXXX. 
I use the open source software called XXXX to collect federally required donor data- and to manage my communications with my donors. 
I have used this software since before XXXX and had the same account with Paypal to process donations and the process works flawlessly, reporting the donation, referring to paypal as the trusted processor- giving the donor the choice of using their own paypal account or a XXXX  or Debit card, transferring the donation amount to the paypal portal- then cycling back to the software about the transaction completion- including the fee amount. 
Paypal then has the money- and IS HOLDING IT- saying I don't have a reputation as seller of goods and service with proper shipping etc- I told them, I've had the account since XXXX and have used it everytime I've run for both local and federal office- and it's always released funds. 
They are illegally holding my funds- and stopping me from fundraising or campaigning. 
They claim their fraud protection AI is the cause- and they can't fix it. 
In the meantime- I believe they are illegally withholding political donations. 
I've trusted Paypal for a long time as a good payment processor- I will no longer recommend them to any of my clients ( I run an ad agency that builds websites for small businesses ). 
Currently, they are holding {$340.00} XXXX collected {$1000.00} without even trying- and they allowed me to transfer out {$800.00} I've delayed sending out a fundraising solicitation for XXXX weeks while I've been given erroneous information from their tech support people on how I have to somehow use their portal- or change my donation page to them exclusively. 
Neither of which is true. 
Their support sucks. 
And, according to their records my account is properly labeled as a political campaign - even though I can't find that info in their portal.
Consumer complaint received 2019-01-27
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. (NV)

The account listed on my credit report from XXXX is listing the account as settled for a lesser amount. I had two accounts on my credit report from them the original account and a judgement account. The original account still remains which is fine, but I paid the full balance of what was owed on the vehicle, as I was garnished by XXXX  for the amount. They filed a Court claim and I did not receive the initial information, and they received a judgement. Under the new reporting rules, judgements can not be listed or referred to on the credit reports. Therefore, XXXX  is reporting inaccurate information under the original account when they state the account was settled for less than the original amount. I disputed this information in XX/XX/2019 through Transunion and advised of this, asking them to dispute this information. Transunion came back after a few days saying the information was accurate. 

This is not accurate as I paid over {$20000.00} to XXXX  regarding this vehicle account and the original amount was {$14000.00}.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AR)

My sister sent me money through PayPal and her husband disputed the charge in error. It was corrected and PayPal is still trying to charge me and my sister back. PayPal sent me to collections for {$340.00} that I do not owe. 

XX/XX/2023 XXXX agent is XXXX XXXX XXXX XXXX sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt. 

My sister nor myself have been credited this amount therefore how could either of us owe anything. 

I've worked hard to not have collections on my credit to have PayPal put me into collections for no reason. PayPal said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.
Consumer complaint received 2019-01-27
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. (FL)

I called in and spoke with customer service on XX/XX/2019 to explain that I have indeed been a victim of their inquiry issue. The agent asked for me to list the inquiries, in which i did. They told me they would not be able to assist further.
Consumer complaint received 2024-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (FL)

I requested that my PMI be removed from my mortgage due to my home being valued at {$300000.00} and I only owe XXXX. They stated I was an eligible because my loan originated after XXXX. Every article that Ive read online states that I should be able to have my PMI removed.
Consumer complaint received 2022-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Atlantic Union as mortgage servicer failed to pay the real estate taxes for XXXX  Now a penalty and interest has been assessed. Mortgagee can not speak with the mortgage service department. Atlantic Union provides AWFUL service. 

These are the documents to identify the problem. XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had to respond to the unbelievable answer i just received from capital one dated today XXXX i clearly am not valued there and as a result will NOT be using my accounts. 

Number one. i wrote in about a dispute with XXXX rent a car. As usual the bank did not process it correctly Specifically i complained to XXXX and then to the bank the car i rented in XXXX was filthy and did not start. They rejected dispute because XXXX sent a copy of the contract which was not the crux of my dispute the QUALITY was and that remains undisputed that i am correct by the company as such i demand a refund. 
Number two i wrote in and was responded to today that I WAS NEVER NOTICED CYCLE date changed. as such i charged a big amount i would not have HAD I BEEN NOTICED. saying it was on my statement does NOT address i did not know. i will pay no interest and i wont usemy cards until both issues are resolved appropriately i know my rights. I have always paid in full and been responsible i wont be treated this way. 
So dont write back saying you answered me XXXX and that all is closed HANDLE both right or i go to CEO period. Aint paying interest did not know cycle changed and your answer does not address that. i wish to re dispute the XXXX dollars with the rationale nothing you presented contradicts the poor quality of the car. PERIOD. if you waont help me i wont use my cards i go further P E R I OD.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (NY)

On XX/XX/2023, XXXX/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Consumer complaint received 2018-09-09
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. (TX)

I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

Please none of the option for " Which best describes your problem '' related to me.

Which best describes your problem? Making a false statement or verbal contract in exchange for full payment.

On XX/XX/XXXX I noticed my loan writer noticed a item was reported to my credit report on XX/XX/XXXX. It was from a company called Professional Bureau of Collection on Maryland Inc on behalf of XXXX XXXX XXXX XXXX. I was informed that I owed a company called XXXX. So I called XXXX of XXXX   and was informed that I indeed owe the money. So early morning on XX/XX/XXXX I called this company Professional of Maryland to see what was going on. They informed me that I owed {$310.00} informed them that I confirmed it with XXXX that I did owe the money and that's why I was calling to settle the debt now over the phone. I inform the customer service rep that i was currently in escrow and that this collection on my credit has blind sided me. I informed her I have spend the last 18 months cleaning up credit to get this house and now on XX/XX/XXXX without making any attempts to contact me what so ever I'm hit with a collection. I explained to her that I had no problem paying right now but I must have assurance this item in question would be " REMOVED '' not paid in full. She informed me that only her manager could approve that and I informed her that I will hold for her manager. A Mrs. XXXX XXXX came to the phone and informed me that if i paid this {$310.00} today they will have this item removed from my report on XX/XX/XXXX once they update the report over to the credit bureaus. Only after being told times that they would update the bureaus on XX/XX/XXXX did provide Professional of Maryland my debt card and paid the {$310.00}. Now it has been 74 days and 5 ordered credit reports later and this item continues to show on my credit report. Every time I call Mrs. XXXX  I am told the same thing. " they have already updated XXXX to have this item removed '' So after running my report onXX/XX/XXXX for the 5th time in 74 day I still see this item on my credit report as paid in full and not removed as Professional of Maryland have been telling me since XX/XX/XXXX. I called XXXX and spoke with the fraud department only to be told that Professional of Maryland has only reported my account as " paid in full ''. They have never asked XXXX to have this item removed from my credit report. Professional of Maryland enter into a verbal recorded contract with when they stated they will have this item removed once paid in full. Now they continue to blame XXXX  for not updating my report. I have HOURS on hold with Professional of Maryland trying to resolve this and i am getting nowhere. They have already cost me a higher finance rate and per hardship and stress. I need Professional of Collection of Maryland to honor our verbal contract and have this item removed ASAP.
Consumer complaint received 2018-09-09
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. (CA)

On XX/XX/XXXX my XXXX XXXX XXXX XXXX was totaled financed by XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact XXXX to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which XXXX XXXX was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called XXXX with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to XXXX 3 weeks later I look at my credit I have a charge off on my credit. Showing as if XXXX financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Well Fargo responded to the CFPB complaint by justifying their non-action because the purchase was a recurring payment. It never recurred. It was a payment of {$240.00} that happened once and was never made again. Does that mean someone can perform fraud and pay for something that could be a recurring payment and the victim will have to live with that charge? No.

This is not my doing and the purchase was one time. I should receive my funds back - the recurring aspect is not relevant in this case. I wont use a debit card on the Wells Fargo business account to avoid these issues any longer, so please do me a favor and get it done.
Consumer complaint received 2019-01-27
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. (CT)

Dear XXXX  XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the XXXX XXXX format if there are any discrepancies with what is reported to the credit agencies Trans Union, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.