davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
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. (WA)

The following are unauthorized credit inquiries reflected on my report and they are without a valid need : XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They lowered my credit score most likely and led to financial damage when I applied for credit so I'd like to be fairly compensated.
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (WA)

I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

My Mr. cooper mortgage account states that PMI was due on XX/XX/2021, and my Escrow includes reserves for these payments, but none have been made. Mr. Cooper reports that they do not know why and need to investigate why, meanwhile my PMI appears to be 6 months overdue. While they haven't attempted action against me for this, nor should they as it is the Mortgage company, via escrow, who should be responsible, but I don't want to suddenly discover I'm in trouble because somebody screwed up. Given my prior complaint about Mr. Cooper misappropriating escrow funds, I have low confidence and need to ensure there is some external oversight and record of my attempts to solve the problem.
Consumer complaint received 2021-05-23
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. (NC)

A XXXX credit card was opened using my name and SS #, leading to a charge-off on my credit reports. I reported the identity theft to FTC identitytheft.gov. XXXX and XXXX  have both removed the card and charge-off from my reports. TransUnion refuses to remove the identity theft, the card, and the charge-off. They claim the information is correct.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

1. I was sent {$990.00} via PayPal over three weeks ago and I still am waiting for the final dispersement of those funds to me.

2. I was, before the funds were frozen, allowed to spend a token amount with no notification that they would take access to the funds away.

3. At every option, I chose to pay extra for instant payout services and never received them.

4. I have paid nearly {$200.00} to PayPal in processing fees that did not result in the expedited action that was to occur. {$990.00} has been reduced to {$810.00}, and I still havent received the last {$210.00} of that. I received no benefit from selecting these " instant transfer '' options, instead experiencing serious financial hardship.

5. PayPal 's policy to return the fees if the transaction is delayed for any reason, displayed prominently whenever an instant transfer is offered, has not been honored for transactions throughout this ordeal -- they refuse to make good on their promises, defrauding me, and likely other customers, effectively holding onto funds without providing any reason at all, and taking additional money into their possession for expedited services they have no intention to provide.

6. In response to queries regarding the status of the funds, a common theme is to claim that they can not disclose reasons for " looking into '' aspects of the holds, citing their use of technologies that do not allow for said insight or overrides to do the right thing and release my funds after promised periods of time.

7. PayPal is in violation of laws, rules and regulations on various levels designed to prevent huge companies from harassing their customers like this, causing financial distress and reducing the customers quality of life.

8. I am demanding an explanation of said delays, a refund of all fees assessed for services not rendered, and a full and final release of my funds into my possession. If penalties are available to prevent PayPal from harassing others with their awful practices, I implore the CFPB to pursue them or give me the option to do so.

Thank you. A fast review of this companies practices would be great as I can't by food or tend to my responsibilities if I don't have access to this valuable resource.
Consumer complaint received 2019-08-21
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. (AZ)

I asked the credit bureaus to verify specific information from the company reporting the information. Instead they only advised that it was verified with information regarding items I did not ask them to verify.  They violated my HIPAA rights and would not remove from my credit union
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MA)

I did a forbearance with Shellpoint Mortgage Company and was completely mislead.

Per Shellpoint, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and Shellpoint refuses, they stated letters were sent to me. I explained that my XXXX XXXX XXXX mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and Shellpoint knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be homeless. I am a register XXXX XXXX XXXXXXXX. I am sick over this. I don't know where to turn for guidance, please help me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXL - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I noticed this item on my credit report in 2019 and immediately disputed it with all 3 credit bureaus. This account has been removed and replaced on my credit files multiple times without my notification or knowledge despite no proof that this is my account. I did not sign any agreements with this company and I do not owe this company any money. I have attempted to resolve this with the company and with the credit bureau.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

JEFFERSON CAPITAL SYSTEMS Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX CONTACTED COMPANY TO REQUEST PROOF OF SERVICE NO RESPONSE OR DOCUMENTS TO PROVE THE VALIDITY OF HER CLAIM
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (VA)

XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.
Consumer complaint received 2019-03-13
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: Transfinancial Companies, Inc (LA)

I have tried several times to dispute inaccurate information from Transfinancial Companies. They have listed two accounts one in the amount of {$940.00} and the other in the amount of {$6600.00} placed on my credit report which I have tried to dispute with the company through the credit bureaus. The company has said the information is correct without any documentation to support the statement. They have not provided any validation of the debt to me. They company has placed this inaccurate information on my report and does not want to follow the proper guidelines for credit reporting.
Consumer complaint received 2022-04-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Closing with RoundPoint Mortgage was incredibly frustrating. On closing day on XX/XX/2022, we were very close to not signing the papers as the down payment, monthly mortgage amount, and credits due back to us all had changed from what we originally discussed with them and from the closing disclosure that was provided to us a few days prior. They were lucky that we still qualified for the loan as they had increased the mortgage amount drastically and I was fighting for the house as I did not want to go through the home-buying process again and get a loan with a higher rate ( as they are increasing constantly ). On the initial disclosure, our mortgage should have been {$3600.00} with {$60000.00} down ( including closing costs ) and with a {$4800.00} lender credit. In the closing disclosure provided to us a few days before closing they changed it to {$3800.00} monthly mortgage, {$63000.00} down and {$4700.00} lender credit. When my husband and I found out about this increase, especially in the monthly payment as we originally told them our budget is around {$3500.00} a month, we complained to RoundPoint and they mentioned that they messed up the calculations with taxes and the they were sorry for the error. Apologies were all that we got, no other financial rectifications. I let them know that this is not a small error as this loan is over 30 years and it's a big increase in monthly payment. I also mentioned to them that I better not go to closing and find another increase, and guess what happened, we had totally new numbers that we saw only when we sat down to sign papers at closing. The final numbers were {$3900.00} per month, with {$64000.00} down payment and {$25.00} in lender credits. We felt like we just got scammed- the closing process took 5 hours as we were very upset and we had to run through the numbers with them multiple times so we understood where our money was going and where the lender credits that were promised to us were going. It was possibly one of the worst days of our lives as we had worked very hard to get to the point of purchasing our first home and the experience was an absolute nightmare. Not to mention that they had switched banks in the middle of us applying for the home and by the time we applied with their new bank interest rates had gone up so we lost out on that as well - along with multiple hard credit pulls for the same house.
Consumer complaint received 2021-08-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MD)

NAVIENT has been consistently harassing me and my family for many years ; since XXXX. Sometimes they would call over 10-15 times in one day! I never received debt validation from NAVIENT which is required by law pursuant to 15 U.S. Code 1692 ( g ). I sent them another debt validation request letter on XX/XX/XXXX, which can be verified by USPS certified mail records ( tracking # XXXX ). On XX/XX/XXXX, NAVIENT mailed me the payment history for these accounts detailing the payments I sent them which amount to a total of {$22000.00}. The complete payment history is attached to this complaint ( see " CFPB_NAVIENT_2 - CFPB_NAVIENT_8 '' ). Upon further investigation, the account history provided by NAVIENT 's own records indicate that these accounts were included in a " resale '' on XX/XX/XXXX ( see attached document " CFPB_NAVIENT_23 '' ). As the Consumer, I never consented to NAVIENT obtaining my personal information for the purpose of their financial gain. This by law is Identity Theft! Action and remedy are required immediately for the fraud NAVIENT has committed against me!
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2020, I received a refund from XXXX XXXX with two separate transactions of {$20.00} and {$32.00}. However, the XXXX Fraud Department declined the two refund transaction indicating that there was fraud on the account. Therefore, I reached out to the Fraud Department and Representative XXXX removed the hold on my debit card and stated the funds should reverse back onto my account. However, I do not see them as pending refunds of a total of {$53.00}. 

In addition, I processed two returns of the same transaction for XXXX XXXX for {$16.00}. However, I also do not see this transaction processed as a return either. And I was also promised a {$200.00} Cash Bonus with a first direct deposit of {$500.00} or more before XX/XX/2020. XXXX XXXX told me that I should expect to receive my bonus within two weeks of the first direct deposit. However, I still have not received my {$200.00} cash bonus.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NM)

to start I had a credit card thru amazon. which i had great history with but when covid started i had trouble paying the bill and then activated my credit protection service i was paying for the card. after a while they were paying and after six months, the service was gon na pay my debt in full, after submit the documents and i did that many times and they had a excuse for every time. 

then final amazon closed the account because it was not paid which i faught back and fouth with the people that were going to cancel the debt, which is the service i paid thru amazon for.

after a year now amazon store card is still reporting the card late and hitting my credit and still adding money or charges to the card fees, and etc. which once the card is closed and charged off no more fees added and etc but amazon store card is still adding more fees and etc and still reporting late payments etc to my credit report
Consumer complaint received 2020-11-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

Hello, I opened a Chase Savings account following a promotion where I can get a {$200.00} bonus if the following criteria are met : ( 1 ) Open a new Chase Savings account ( which I have never done before ), ( 2 ) Deposit a total of {$15000.00} by XX/XX/2020, and ( 3 ) Maintain that balance for 90 days. If I meet all three, it was advertised that I would be rewarded with my bonus within 10 business days. 90 days from my initial deposit would have been XX/XX/XXXX, and 10 business days from then would be XX/XX/XXXX, so I should have already received the bonus. I called a Chase customer service rep on XX/XX/XXXX, and he confirmed that I met the criteria and should be receiving it on XX/XX/XXXX. It is now XX/XX/XXXX and I still haven't received the bonus. I call Chase customer service again, and another rep, XXXX XXXX, also said that I met the criteria and wasn't sure why I haven't received the bonus. After waiting for XXXX to discuss with his internal team, he said I met all the criteria except the " Deposit a total of {$15000.00} by XX/XX/2020 '' because I transferred money from another account which doesn't fall under their definition of deposit. If you look at my attachment where I include the offer email, there is nothing disclosed about how " deposit '' is defined. Not a note at the bottom of the email, nothing. It is ridiculous to mislead a Chase customer, and not disclose in the email of the offer containing criteria that there are specific technicalities in the word " deposit '' that I would've otherwise not known when I opened my Chase Savings account following what was advertised in the offer. The fact that TWO of Chase 's customer service reps also believed I met the criteria ( and the fact that it wasn't until XXXX escalated the issue that he was also aware of the technicalities ) is unacceptable if Chase wants to demonstrate trustworthiness with their customers. Unless I am properly compensated with the intended bonus amount, the false pretenses of the Chase bonus email is enough for me to not want to continue with Chase bank in the long term.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I opened a new online savings account with Discover. On XXXX, I initiated trial deposits, originating from my Discover account, to link an external savings account ( w/ XXXX ). After verifying those trial deposits, on XX/XX/XXXX, I scheduled an XXXX transfer of {$35000.00} from my external savings account via the Discover portal. This was primarily done to meet an opening bonus requirement advertised by Discover. On XX/XX/XXXX, I could see the XXXX deducted from my XXXX account, with pending availability in my Discover account. On XX/XX/XXXX, Discover informed me that " we noticed unusual activity on your account. For security purposes, we have suspended access to your account ''. 

I tried contacting Discover 's fraud department on this issue, and after an blind transfer an agent informed me that the account was suspended pending additional verification. After multiple attempts, we managed to get on a conference call with a rep from my external bank, who was unable to provide Discover with the information they wanted due to a system outage. 

I've had a checking account with Discover since XXXX that has always been in good standing. I'm a long term customer, and there is no realistic risk here. At present, my existing checking account ( completely unrelated to the transactions described ) and new savings account remain frozen and all funds held with them, including the {$35000.00} have effectively been stolen. The agent informs me that my funds will not be released until XXXX discloses whatever information Discover 's internal fraud policy dictates and that it is my responsibility to coordinate a conference call between both banks. I have no idea how any of this is legal, but if Discover has a policy whereby they are happy to initiate large transfers of money, it seems absolutely ridiculous to subsequently hold that money XXXX and freeze all accounts that are held with them after the fact. This is especially the case when they are advertising to customers to transfer those large sums of money. If potential fraud is suspect, customers should be warned of a problem before they initiate a transfer. Critically, a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line, the onus to validate said policies certainly shouldn't fall upon customers. 

I just want my Discover accounts to be unfrozen. I just want my money back.