davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (AZ)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

A called the mortgage servicer, PHH Morgtage Services, to request a 180 day forbearance on my federally backed XXXX XXXX XXXX ) due to financial hardship directly related to the Covid-19 pandemic. I explained that my work hours had been dramatically reduced due to circumstances related to Covid-19. I explained that I was requesting this relief under the CARES act.

PHH is unwilling to offer a 180 initial forbearance as requested. They are willing to offer only a three payment forbearance, effectively 90 days. They state that after 90 days they will " review my situation '' and may be able to offer an extension. 

I believe PHH is acting in bad faith, and intends to impose needless inconvenience in order to dissuade me from enjoying the relief I am entitled to under the CARES act during this hardship.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (CT)

On XX/XX/2024 Aspire called me and asked me to verify if I had made some purchases. I looked into my Aspire Credit Card account and saw purchases that I had not made nor did I authorized. There were several purchases totally over {$280.00} Aspire proceeded to file a fraud claim so that I could get a provisional credit. On XX/XX/XXXX I called Aspire to see why I hadn't gotten my provisional credit. They said they were still processing it and that I should have it within XXXX days. It is now XX/XX/2024 and I called Aspire, they said they still have not processed my XXXX claim and they did confirm that they did receive it and that I was told wrong information when I was told it can take up to XXXX to XXXX hours. They then said that it can now be up to XXXX weeks. I told them that they should not be reporting this on my credit report and it is showing on my credit report. I shouldn't be responsible or being penalized for XXXX and them not processing the claim and their reps lying to me.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good day! I am XXXX XXXX XXXX, owner and repairman at XXXX XXXX XXXX XXXX XXXX. I created a paypal account to serve as one of my payment channels.

After creating the account, one customer sent a payment and the payment got hold. However, after several days, I received an email from paypal saying " You can no longer do business with paypal ( Ref - ID - XXXX ). The email says that I am violating Paypal User Agreement. I am not doing any malicious activity or transactions with my paypal account. I need you help to restore my account so that I can use it again on my business as it is one of the most convenient payment methods of my clients.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

After not being told that there was at least a 1 month delay in receiving debit cards that would be shipped to me after opening the account, I went into the branch where a gentleman was happy to print me a card on the spot. This was never advertised as something that would be possible, nor was I told that they were way behind on sending out cards that were ordered on their website. Upon leaving the bank with my new debit card issued, I noticed that a {$5.00} fee was placed on my account that I was never told about for issuing the card. I called into their contact center and was told that a credit would appear on my account within 3 days, but that never happened either. I have had other issues with XXXX already, but this is really the last straw for me.
Consumer complaint received 2021-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

In XXXX of XXXX my Wife contracted XXXX XXXX. She was ill for approximately 8 weeks and was unable to work. We took advantage of the loan forbearance offered by XXXX XXXX XXXX  to make this period easier financially. My Wife recovered and returned to work in XXXX and we resumed the mortgage. We have made all payments since the forbearance without issue. We noticed on our online banking statement that the loan had been transferred to another company. When I called the bank they stated this was standard and that the new mortgage lender would be contacting me with information on how to make my payments. I then received a letter in the mail from XXXX XXXX XXXX stating we owed them over {$6000.00} due by XX/XX/XXXX. I contacted the new mortgage company that stated we had to pay this debt to XXXX XXXX before we would be allowed to pay our current amount due for the month of XXXX. I was told that I had until XX/XX/XXXX to do this or the new mortgage company would proceed with taking action to foreclose on my home. How can they do this to people that are already suffering financially? This seems like a predatory scam to me. I have had a home loan with XXXX XXXX XXXX since XXXX, and now all of a sudden when we utilize the forbearance offered to us, our loan is sold to another company and immediate repayment is demanded to avoid foreclosure. I am doing my best to get the money together, and should be able to do this, but what about the families that can not. Most people can not come up with {$6000.00} in 30 days. What happens to them?
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/XXXX our lender, XXXX XXXX XXXX XXXX, requested that we send {$38000.00} for an insurance escrow shortage. This was a legitimate request. We then wired the funds using the instructions that were provided to us. The funds were wired to Truist Bank on XX/XX/2024. When we asked if the lender received the funds, we were told that they did not. After looking into it further, it was found that the instructions sent to us were altered and were not sent by XXXX. This ended up being a fraudulent scam of some sort. When we contacted Truist about the fraudulent wire a representative of the branch it was sent to mentioned that the funds had already been taken out, sent somewhere in XXXX XXXX, and the account was closed. When this person was asked if the beneficiary on the account was XXXX XXXX XXXX XXXX, they stated that it was not. This financial institution did not do their due diligence and has failed to follow UCC 4A-207. Our financial institution, XXXX XXXX XXXX, has been diligently working to have this issue resolved but Truist has failed to provide any assistance. These funds should have never been accepted since the account number did not match the beneficiary 's name.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I am writing to appeal the permanent ban on my account. I understand that my account has been flagged for potential violations of terms and conditions, I assure that this is a mistake. 

All of my sales were legitimate and the products were sent to satisfied customers. I have received positive feedback from my customers and my account was growing at a steady rate. 

As a result of the permanent ban, my funds are currently locked and I am unable to access them to continue my business operations. This has caused a significant disruption to my business and has resulted in a loss of revenue and customers. 

I would like to request that review my account and lift the permanent ban. I have always been a compliant user and have followed all of PayPal 's terms and conditions. I assure that I have not engaged in any fraudulent activity. 

I understand the importance of maintaining a safe and secure platform for all users and I assure that I am committed to complying with all of PayPal 's policies. I hope that paypal can understand the gravity of the situation and take immediate action to rectify this mistake. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2021 I sent XXXX On XX/XX/2021 another XXXX On XX/XX/2021 XXXX On XX/XX/2021 XXXX To a bank account under the name XXXX XXXX XXXX XXXXXXXX for a fix and flip investment that never happened, under an agreement that the money would be returned upon 60 days. It never happened and the owner XXXX XXXX XXXX just wont return the money.
Consumer complaint received 2020-07-28
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (DC)

XX/XX/XXXX Re : Complaint against Sun Trust Previously I already reported three times regarding Sun Trust bank repeatedly deduct {$20.00} from my personal checking account ending in XXXX in XXXX, XXXX, XX/XX/XXXX. Now I experienced another {$20.00} deduction on XX/XX/XXXX for the same account. The previous CFPB Complaint number were XXXX and XXXX. Per the attached response letter from Sun Trust bank, the executive team staff named XXXX XXXX stated that " the fee that was assessed on XX/XX/XXXX was refunded on XX/XX/XXXX. The accounts are now properly linked. It may take a complete billing cycle for the change to take effect. In the event a fee is assessed for the month of XXXX, it will be refunded ''. As I already complained this bank that all accounts were linked together from XX/XX/XXXX. Each month all my accounts met minimum balance requirements to waive monthly service fee. In my previous Complaint I have attached Sun Trust consumer fee schedule showing my account ending in XXXX not only linked with business account but also linked with savings account with balance at least {$10000.00}. Therefore all my accounts were never charged fee before XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX It was intentional stealing money caused this problem. 

I still insist ask this bank to pay insufficient new accounts bonus {$500.00} as attached. Per the promotion bonus offer, I have completed 10 debit purchase and {$500.00} direct deposit. It was different kind of promotion offer from Sun Trust. However Sun Trust repeatedly confuse two different promotion offer. 

The third issue was regarding deny Master card holder benefits. Several claims have been denied due to satisfaction guaranteed and purchase assurance claims in the amount of {$3.00}. 

The fourth issue is for unpaid compensation for repeated account damages from XX/XX/XXXX to today. This bank caused this problem, this bank must pay my damages such as my time to prepare Complaint 4 times. My personal time is very valuable {$300.00} per hour. It takes me 5 months to suffer anger, irritation, anxiety, pain, distress as personal injury caused by Sun Trust. Per my previous Complaint I also complained repeated harassment and invade of my privacy such as release my banking information to unknown parties. Because of the extremely unstable and theft banking experience, Reopen new accounts will bring me all kinds of inconvenience. I am asking compensation of damages {$25000.00} for hurting my credit.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXXXXXX XXXX XXXXXXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a letter to transunion from the bankruptcy court in regard to a bankruptcy reporting on my credit report stating that they dont give our public record to the credits bureau. In response to the dispute transunion sent me a letter stating that the information was inconclusive from what the letter state
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXXXXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so XXXX. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.