davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/2020, in order to purchase the property XXXX XXXX XXXX XXXX XXXX NY, I borrowed {$490000.00} from the XXXX XXXX who then sold it to Shellpoint on XX/XX/2020. ( I paid the loan down by {$300000.00} in XXXX, thus leaving a balance of {$190000.00}. ) I borrowed the money from XXXX as a representative of my company The XXXX XXXX XXXX  Shellpoint changed the mortgagor from The XXXX XXXX XXXX to mortgagor XXXX XXXX ( me ). I have since applied to XXXX XXXX  to refinance as my loan currently has a 9.5 % interest rate. Also, please note I obtained insurance on the property from day one which included hazard insurance. Shellpoint keeps insisting I dont have hazard insurance because the insurance is in The XXXX XXXX XXXX and the loan is now in the name of XXXX XXXX XXXX was it even legal for them to just change the name ). Because of this they have increased the payoff amount to XXXX XXXX by {$2900.00} as a charge for hazard insurance which I have always had and proved to them. They wont change the payoff amount. Please help. I feel like they are trying to extort me for {$2900.00}. Thank you.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX  did not update for a long time, it gives a bad impact to me and my children.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX Care Credit sent ( without my request ) a new credit card in the mail and the information with it said " here is your new card, please activate before using '' as any other normal credit card would be reissued. 

1 week later, my credit score went down as a result of that transaction. What in fact happened was Care Credit closed my old card and the account associated with it and opened a brand new credit line in my name through mastercard and its reporting as a brand new account. Both of these factors, the cancelled account and the age of the new account negatively affected my credit. 

I called them and they have filed a correction but continue to claim they are " pretty sure '' it wasn't supposed to effect my credit. 

They are predatory as a business and if I didn't have the time or means to investigate like much of there customers do not, I would be dissuaded to do anything about this affecting my credit. They should be put out of business.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mid-America Accounts Control Bureau, Inc. (MO)

A collector named XXXX XXXX has contacted me during the hours I sleep for work after asking her not to. I work night shift. She has also contacted my husband 2-3 times at his place of employment. I have asked her to stop and so has he. She however continues with phonecalls and does not identify herself when calling and will not leave a message.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (FL)

I checked my report and noticed a late report from OppLoans. I suffered from XXXX and was out of work for a few weeks. I also had a short stay in the hospital around the time the bill is normally due. Due to my illness I totally forgot to pay the bill. However as soon as I remembered, I took care of it. My bill had not ever been late prior.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (PA)

My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.
Consumer complaint received 2021-01-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/XXXX i sent a letter certified mail and it was received on XX/XX/XXXX it has been well over 60 for a response and thats a violation of my consumer rights under fcra 611
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On Monday XX/XX/XXXX, I was contacted by individuals claiming to represent XXXX XXXX and that they were about to shut off the power to a house I own within XXXX minutes due to non-payment of the electric bill. I was asked to send them payment through XXXX so they could credit my account that day and stop the power from being turned off. 
I wasn't at the property at the time to know that there was no one outside to turn the power off. 

I transferred {$840.00} from my USAA XXXX checking account on XX/XX/XXXX around XXXX XXXX. The payment showed pending and then I got transferred to another XXXX XXXX representative and was asked to transfer money from a different account at XXXX through XXXX since the payment didn't go through. I transferred {$990.00} to the same XXXX account. 

The name of the XXXX account was XXXX and the phone number used was XXXX. 

After the second payment went through I realized I was scammed. I called both banks that day to lodge a complaint but there is little interest on their end about stopping XXXX fraud as they don't believe they have any liability for the service. 

I was hoping they would report this to XXXX so they could shut down the illegal account and stop transfers going through to that number.
Consumer complaint received 2021-04-30
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I received an updated credit report from equifax yesterday. I was notified that my XXXX card card was removed off my credit report. This account is an account this is in excellent standing and should have never been deleted off my credit report. I am requesting to please report this account back onto my credit report.
Consumer complaint received 2021-12-03
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. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ;
Consumer complaint received 2021-05-06
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc. (MT)

XX/XX/XXXX I deposited XXXX dollars from my bank into my Crypto Account. I did this so I could transfer XXXX to another wallet. It gave me an error and said it would require pending upto 7 days. 
So today I noticed the funds removed from my.bank account and attempted the transfer again and received the same error message I Spoke to support who.said they were unable.to.help me.because I couldn't say what error was coming up and transferred me.to.a specialist. It's been 12 hours And ice yet to.hear back yet I've lost XXXX dollars already because of.the price of crypto.
Consumer complaint received 2022-04-27
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. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On Monday XX/XX/year> I activated the tap to pay feature for my business. I used the Try a payment button to send myself {$1.00} with my XXXX XXXX card. It was successful. That same day, I uploaded pictures of my jewelry to the website and updated my profile pictures. The next day, XX/XX/year>, I received an email from Venmo stating my account was frozen due to possible User Agreement violations. They asked for my ID. I complied and sent in a photo of my id and passport. I contacted the company via Chat XX/XX/year>. They said they could not tell me why I was suspended. Later that day I was notified I was permanently banned without explanation. My personal account in them that is now unavailable to me. I strongly believe that this band was a mistake and I would like my account reinstated and access to my money.
Consumer complaint received 2021-12-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Dear ShellPoint I spoke with you today again at approximately XXXX XXXX  With in two hours I received a forwarded email regarding questions about forbearance extension. 

Who is your legal team - is it the person that sent email today? 

Why is another person address on this letter? 

Does XXXX represent ShellPoint or XXXX XXXX XXXX  - as XXXX just sent email with ShellPoint letterhead dated XX/XX/2021 today. I am not in litigation against either ShellPoint or XXXX XXXX XXXX. 

I am ShellPoint customer and if XXXX XXXX XXXX is master service their customer as well. My question are regarding my loan. I am in proper for the record - I did not authorize any mortgage documents to go to any other party. 

Even when I was just in bankruptcy case ShellPoint never sent my mortgage statements etc to bankruptcy attorney unless she asked for specific information. 

I am asking questions on my behalf not for any other person.
Consumer complaint received 2020-09-07
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. (CA)

On XX/XX/20, I reopened a dispute with Experian regarding a bankruptcy that has appeared on my credit report as two bankruptcies. I have opened several disputes, to no avail. This time, I provided documentation from XXXX XXXX ( the reporting agency Experian claims to use ) confirming that one of the bankruptcies WAS an error and that it was to be removed from my credit report. 

Today ( XX/XX/20 ) I received a decision on my dispute and, once again, Experian says that the reporting agency confirms that the reporting is correct? 

If Experian actually DID check, they would have found the opposite. I sent them documented proof AND XXXX XXXX would have confirmed my claim. 

This is very frustrating. I have been trying, for years, to take care of this and thought it was finally over. This is ridiculous. 

They have power over the interest rate on my car note, whether I can rent the house I want to live in ... I am playing by the rules and they continue to irresponsibly wield their power without consequence. 

I have attached my supporting documentation. 

Please help.
Consumer complaint received 2020-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (MN)

I found a delinquent account from this company on my credit report and I asked them to verify this account and they have refused to. Even after I disputed this with them, they never put the account in dispute on my credit report like they were supposed to.
Consumer complaint received 2019-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

My ex husband, XXXX XXXX XXXX and I divorced in XX/XX/XXXX. Subsequent to our formal divorce, Wells Fargo Equity allowed my ex husband to obtain a home equity loan in the amount of {$24000.00} on XX/XX/XXXX, well after our divorce. I had no knowledge of this loan being obtained and I did not give consent to having this home equity loan taken out. I spoke with Wells Fargo and they will not work with me. I happened to come across finding out about the loan when I decided to sign up for on-line banking through Wells Fargo in XX/XX/XXXX. In the intern ( XX/XX/XXXX ), Mr. XXXX XXXX had paper statements sent to his address where he resides with his current wife, XXXX XXXX, so that I would not see the loan statements. On the statement it states, that I live at XXXX XXXX XXXX, XXXX XXXX, Ma. I have never resided at that address. Also, after the loan was taken out, in XX/XX/XXXX, I legally obtained my Maiden name XXXX through the Social Security Office and the name on the statement, states XXXX XXXX. This home equity loan was taken out completely fraudulently and without my knowledge, consent or signature. As, Wells Fargo stated to me that my " signature was not required '' and the debt is " mutually yours. '' If a loan is going to be taken out, incurring mutual debt, then both signatures should be required to sign for the loan and give consent. I ask that my name be removed with Wells Fargo, removing this as my liability and that appropriate action is taken. Wells Fargo should have been responsible for questioning the address change as Mr. XXXX XXXX explained that we were divorced and changed his address on the documents. Wells Fargo needs to be held responsible and accountable for their oversight and need to diligently remove my name from any of this existing liability of the home equity loan that was granted to Mr. XXXX XXXX on XX/XX/XXXX, and my official divorce was XX/XX/XXXX. Wells Fargo has dismissed my numerous complaints that I have filed.
Consumer complaint received 2017-12-21
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: Experian Information Solutions Inc. (PA)

XXXX : m there is no XXXX written off or owed on this account. There was no money written off. 

I have provided you a letter from XXXX and there is no money owed. 

this makes no sense with wrong information on my credit file after I have provided proof from XXXX. 

Filing with the FTC as well to the issues.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.