davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aurora Financial, LLC (VA)

I recently refinanced my loan and the new loan closed on XX/XX/2021. In my closing documents, it is clearly identified that the lender ( Aurora Financial LLC ) is going to sell my new loan to a servicer ( XXXX XXXX XXXX. In addition, my closing document also provided me with my first mortgage payment coupon and wanted me to send the first payment ( due XX/XX/2021 ) to the lender ( Aurora Financial LLC ).

I reached out to Aurora Financial on XX/XX/XXXX via email to clarify where to make the first payment and was told again that I should make the first payment to Aurora. On XX/XX/XXXX I reached out to Aurora again to see if I can submit my first mortgage payment to Aurora through the online payment system that I used before. I was told XXXX XX/XX/XXXX ) again that I should use the payment coupon for the 1st mortgage payment that came with the closing package therefore, I can not submit the first mortgage payment online. 
On XX/XX/XXXX I received another email from Aurora Financial indicating that I should not submit the first payment to Aurora as I was initially told rather, I should wait to receive new payment and servicing information that I should be receiving via email from Post Closing. Since then, I tried to reach out to Aurora Financial multiple times for information on the first payment and servicer but I have not received any first payment or servicer information from them and the XX/XX/XXXX payment is due 6 days from today. Lastly, I have an upcoming state tax payment on XX/XX/2021 and Aurora Financial already collected this amount as part of my closing.

Overall, I am not pleased with Aurora Financials business and communications and I hope your agency will follow up on this matter as soon as possible to correct the problem. As a consumer, I should not have to babysit a lender in order to ensure that they are fulfilling their legal and fiduciary obligations. I provided them with everything they asked for and, they asked for a lot of personal information as part of my closing, but they are not doing their part as the law requires.

I hope to hear from you soon Sincerely,
Consumer complaint received 2022-04-07
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. (NJ)

5 Clients with possible information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  ( 16 hours ago ) to bcc : me Dear XXXX  family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and 4 additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud.

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX Experian XXXX XXXX XXXX. You only need to place one fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

I was authorized a rental car through XXXX XXXX through my insurance company USAA in XX/XX/2021. My XXXX XXXX XXXX was XXXX. 

On XX/XX/2021, I spoke with a gentleman named XXXX at the XXXX, NJ, XXXX location who told me I was on XXXX XXXX " Do not rent '' list, and I was denied the reservation I had just made to use reserve a rental car. This caused great personal inconvenience and XXXX. XXXX gave me a phone number to call to speak with " XXXX XXXX. '' As of the date of this complaint, I have contacted XXXX XXXX no less than a dozen times at XXXX XXXX XXXX XXXX, and yet there remains no resolution to this issue and I remain on XXXXXXXX XXXX XXXX Do not rent '' list with resulting personal stress, anguish, and embarrassment. I have left multiple messages again and again and again, and to this date, no one at customer service has bothered to call me back. 

On XX/XX/2021, a representative actually did answer the Customer Service line, she identified herself as XXXX. XXXX listened to me explain the issue, although she could not provide a reason for why I would be on the " Do not rent '' list as she confirmed my insurance company had paid the cost of the rental in full. She promised that she would forward my information to the " Do not rent '' team and someone would get back to me ASAP. 

No one got back to me ASAP, or ever again. I have followed up by phone three times since then, and have received zero response. 

Yesterday, I contacted my insurance company USAA to assist with the problem, but they were either unwilling or unable to help. They did confirm, however, as XXXX did as well, that my rental was paid in full and there should be no reason for me to have any issues at this point. 

Again, this has caused a significant amount of XXXX and inconvenience in my life, to say nothing of the time and frustration at trying to resolve this problem ( which shouldn't exist in the first place! ) with zero response, help, or assistance from two reputable companies like XXXX and USAA.
Consumer complaint received 2021-01-07
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. ()

My past two credit reports have come low. It says this is because my oldest account has been closed. But this is not true my oldest account is with XXXX with whom I also have a credit card and have been regular in its payments.
Consumer complaint received 2021-01-07
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. (TX)

Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XX/XX/2015 to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OK)

On XX/XX/2022, I was informed via email my checking account was being closed & I'd recieve my funds within 30-60 days. Here it is, past 60 days & I have not received my funds. I have only XXXX dollars in my account. I was told a deposit that was sent over would not be accepted due to the account being closed but was later accepted. Funds still can't be used. I was told my account had fraudulent activity but was never informed or recieved any calls about anything. THEY TOOK MY MONEY.
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I need help!! Contact me! I am currently in Forbearance. I have over XXXX in equity and I cant get XXXX to take care of my family and get out of the mess. You see on our case and many others these stupid lending rules are hindering our ability to help ourselves. You see because of the XXXX Virginia XXXX XXXX in violation of Federal LAW!!! Suddenly and with no notice whats so ever stop paying for no reason. They have screwed over XXXX of us in Virginia. My credit score has gone down over 100 points and I want to save my family because I used money to help save lives. 

So in my case its like the government instead of helping they know I have so much equity they cant even back a XXXX loan so I CAN HELP MYSELF!!!! 

Here is my offer and they force me to play the Credit Score Game I need XXXX grand only 18 months I will pay 25 % interest. 

By doing this on a private lending this will not show up on a credit report and will play the credit score game and my score will be over XXXX!!!!! I will pay XXXX dollars a month during these 18 months and at the 16 month apply for a XXXX heloc and then this will be approved because I will still have over XXXX in equity. 

See my credentials - I see this because this is the only way to take care of my family and continue to save lives. XXXX the XXXX dollars for 18 months does not go into paying down the principle it is a good faith payment. Any XXXX XXXX takers???? 


Just like the politicians who refuse to let the police do their jobs. They allow over XXXX deaths a year they refuse to let me do my job. 


The Greatest Threat To Public Safety Is The Belief Is That Somebody Else Will Do It! 
XXXX XXXX XXXX Why does our own government wants to prevent this from being fixed? 


https : /XXXX
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (TN)

On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-08
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. (MA)

XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX XXXX XXXX abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and XXXX says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did XXXX verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX XXXX XXXX to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/XXXX XXXX
Consumer complaint received 2021-01-07
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. (CO)

On XX/XX/2021 I have sent in my Identity Theft Report to XXXX, Equifax, and XXXX  to inform them of items that need to be removed and deleted from my credit report.
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

Paypal close my account for no reason, i have been trying to withdraw from my account for weeks and i couldn't, i file series of compliant with questions and answers it still was not fix, until XXXX XXXX, they close my account.
Consumer complaint received 2020-10-28
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)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2021-05-26
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 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (IL)

My account is restricted from trading, deposits, and withdraws due to verification pending. Ive sent my ID and tried their Wire Transfer option to prove my identity and still havent heard anything from the company. It has been almost a month and i have money in my account that i need. Ive sent them mulitple emails with no reply, i honestly feel like they are scamming me at this point
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

I've been trying to close my HSA Bank account and transfer the full balance, ~ $ XXXX, to my other HSA provider since XX/XX/2020. I was told this should complete by XX/XX/2020. 

When it did not complete by XX/XX/XXXX I called HSA Bank. They told me that they got the transfer request, but they couldn't do anything until I liquidate the investment portion and transfer it to the cash account. They told me that they can automatically restart my transfer once this is done. Note that they did not tell me about any of this willingly, I had to call in to their hotline for about 20+ minutes to find out why my transfer had not occurred. At this time, I requested that my investments be transferred to my cash account. 

Several more days pass and I notice that my transfer has still not gone through, so I call HSA Bank back. They tell me that they still cant do my transfer because they have deposited some tiny amount of money into my investment account as interest, something like {$1.00}. I request that my investment account be closed and all the money transferred. Again I confirm that HSA Bank still has everything they need to do the transfer automatically once the investment account is closed. They assure me it will go through after the investment account is completely liquidated. 

Several more days pass after my investment account is closed, and the transfer has still not gone through. When I call HSA Bank again ( remember, each attempt takes about XXXX minutes or more ) they tell me that the transfer has not been started, so I ask them again to start it. They tell me it should be done in 10 business days.

At least 2 weeks later it is XX/XX/XXXX. I see that the transfer has still not gone through. When I call HSA Bank again, they tell me that they never started a transfer. According to them, they told me during my last phone call that I need to resubmit my transfer paperwork for the transfer to start XXXX This is not true, they specifically told me that they ordered the transfer during my last phone call ). I asked again if they have the paperwork from the last transfer that they can use. They tell me yes. They tell me that an expedited transfer has been approved and that it should take place within 48 hours and that they will call me when it's completed. As of this moment, it has been almost 72 hours, still no call and no transfer.

It has been about 6 weeks and several long phone calls now. Can someone please help me get my money away from HSA Bank?
Consumer complaint received 2020-10-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

on XX/XX/XXXX of XXXX Shell point mortgage servicing deducted {$2000.00} from my escrow account to pay XXXX XXXX XXXX XXXX XXXX '' 3 days later on XX/XX/XXXX XXXX deduction was made in the amount of {$1900.00} also label XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX a refund was issued to the same escrow account in the amount of {$2000.00} and was labeled " tax refund no report '' The first time this mistake happened it went unnoticed, I did not realize it happened but then again on XX/XX/XXXX there was a payment of {$2000.00} labeled XXXX XXXX XXXX XXXX XXXX '' and 2 days later on XX/XX/XXXX a second payment of {$2100.00} again labeled XXXX XXXX XXXX XXXX XXXX '' it was shortly after the second double payment that it came to my attention that it was happening. so as a new home owner unaware of how everything worked I sent an email to shellpoint mortgage servicing asking why there were 2 tax payments coming out of my account. 

on XX/XX/XXXX shell point mortgage servicing send me a certified letter explaining that it has come to their attention that 2 separate tax parcels had been attached to my loan. the 2 tax parcel numbers that they provided are " XXXX '' and " XXXX ''. these tax parcels can be looked up free of charge on the website for XXXXXXXX county Missouri. upon my own investigation of the tax parcels, tax parcel number " XXXX '' is a tax parcel for a property I do not own. the name on this tax parcel according to the county is " XXXX XXXX '' which obviously is not my name nor the name on the property that the mortgage company services. 

so to sum all that up, someone somewhere messed up and because of that mess up I was charged a different individuals personal property taxes. 

shell point mortgage company sent me the letter on XX/XX/XXXX and since then countless phone calls have made to shell point all of which I made, and to this date almost a year later no refund has been issued. I have called and called and waited and been patient and they refuse to issue a refund for their mistake. after I brought the mistake to their attention they removed the second tax parcel from my account and lowered my monthly payment immediately, but they have yet to issue a refund the second tax payment that was charged to me.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting an erroneous debt on my credit file and it must be removed. I have requested for validation multiple times and never got back. In my letter I stated for proof that they have any legal binding on me to pay them for this debt and I never heard back. I clearly stated that if this account is not validated to me it must be removed in 30 days. I do not need them to verify this debt to me, but to validate that I have some contractual binding me to pay them for this debt. Reporting invalidated information on credit could constitute fraud under both federal and state laws and I will not hesitate to bring legal action against you. I am also aware that during this time period I have 60 days to investigate the matter, while the matter is under investigation you may not report information on my credit file. If you continue to report any negative or derogatory information on my credit, I will file legal suite .
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.