davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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 (KY)

Last year, my account was closed by paypal without a reason, and they can not tell me what happened with my account. They just can not help me to do business. That is annoying. Anyway, I was informed I can withdraw the balance after 180days. However, In XX/XX/2020, I noticed an unauthorized activity done by paypal, the money in my account was gone. It shows in the transaction note " {$9500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''. 

I called, no one can tell what is that about. I tried to reach them several times for help, though the line is busy. a few months have passed, nothing worked. life is hard on me. I still gon na need to pay bills for the family. 

I just heard from a friend that I can file a report here. my paypal email is XXXX. 

Thanks in advance!
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

** one of my attorneys advised me to contact CFPB & file a complaint : XXXX XXXX ** mr. cooper the mortgage lender My Loan # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX 

** XXXX XXXX debited {$5300.00}. when I authorized a XXXX minimum payment online ... .. the minimum amount ; believe XX/XX/1922 XXXX debited my XXXX XXXX account ** I had complained about excessive fees & they debited 3X plus what I authorized!! 

** my bank XXXX XXXX has opened a claim via fraud department # XXXX XXXX XXXX I have asked for the {$5300.00}. returned to my check account. Made this complaint I believe to XXXX XX/XX/XXXX ~ XXXX XXXX. 

** So far no return of funds to my account ** Need cooperation from both banks to make final 'catch up ' on the mortgage incl criminal FEE Gouging by mr. cooper XXXX. they cooper where they can legally charge excessive fees. 

** Have some funds to catch up this mortgage totally ... .. but they are PILING ON fees & unsure whether legal for them to add all those fees. Want to make a pay schedule to catch up totally but DO NOT TRUST these vampires. 

Sincerely XXXX XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX email : XXXX ( he is assisting me in this matter .... am experiencing some minor health issues )
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on Experian and XXXX. It is beyond its statute of limitations to be reporting.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and Equifax. It is beyond its statute of limitations to be reporting.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

We paid off our Mr. Cooper mortgage when we sold a second home on XX/XX/2020. We are due at escrow refund. We had not received the refund by XX/XX/XXXX so I telephoned Mr. Cooper and was told 2 checks had been issued to us. One for most of the escrow balance and one for additional escrow funds from closing. XXXX told me that our mailing address was the property address and that is where they sent our refunds.This was impossible since Mr. Cooper has mailed 1099 and other mortgage documents to our current address for 2 years. XXXX changed the mailing address, cancelled the first checks and told me that we would receive the refunds within 7-10 business days. As of today, XX/XX/XXXX, we have still not received the refunds. We telephoned today and were told the payments were still pending. We spoke with an escalation team member who told me she would send me an email with her contact information. I have not received any email from her. They also said they would XXXX the checks, but I have no way to verify if the checks have been issued. They are holding our funds without interest payments for well over 30 days.
Consumer complaint received 2022-04-28
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have contacted all three Credit Bureaus/Agencies ( XXXX TransUnion ) and the Creditor ( DEPT ED/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 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 is the account that is reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$1000.00}
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Refianced mortgage via home equity loan with XXXX XXXX Bank, took possession of loan XX/XX/XXXX for {$130000.00} and sent closing documents/payoff to Santander with XXXX receipt via tracking XX/XX/XXXX for {$130000.00} payment amount. Santander took payment from me XXXX {$1100.00} and refused to acknowledge receipt of closing package until multiple calls to them and emails sent to them including to national customer service dept beginning XX/XX/XXXX. Santander closed out mortgage paid in full as of XX/XX/XXXX and is now saying after nearly 90 days of research that the payment date can not be changed to XX/XX/XXXX paid in full as the " payoff was sent one month after the quote expiration date. The amount sent would have been insufficient without the XXXX payment ''. No one at Santander can provide me with this date upon request but XXXX provided me with the Santander document for the XX/XX/XXXX pay off. Note-the payoff amount ( physical check from XXXX to Santander ) was written out for the XX/XX/XXXX pay off amount Santander gave and Santander refuses to acknowledge $ amount of the physical check received. I paid two banks in XXXX for the same mortgage as two banks were servicing it, XXXX via the refinance and Santander via the original loan as they refused to acknowledge the closing packet was received by their branch the month prior. They refuse to fix the situation or give me any further information and I am out over XXXX due to this.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 after XXXX, I tried making a {$700.00} withdrawal from a stand alone Wells Fargo ATM. The process was almost complete until the machine was about to give me the money. The machine froze and then restarted and my money was never withdrawn from the machine. I immediately received an email error message telling me to call if i didn't receive my money. I called, made a claim, and waited for the 2-3 days for investigation they told me to wait. After about 4-5 days I called for an update and they asked me if i was referring to the double charge on my account and i told them no. " It is about the one time charge but no money was given to me '', I told them. They told me to give them 10 days and I later received an email that my claim was over and i was denied my money. I called again and a representative told me he would do another claim because they probably submitted the wrong claim of double charge which is why i was denied. I then spoke to a resolution specialist which told me they couldn't help me and to look for outside sources to try to get my money. I waited again and called several days later and they told me it was closed and denied again. I went to the bank and a banker called claims and spoke with a Supervisor and he made another claim. It has been 3 weeks and i have not received my money. Luckily I am not in need of money but I feel for customers that go through this and are short in money.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (CA)

Upon checking my credit report on XX/XX/XXXX, it has come to my attention that Bureaus Investment Group has reported to all the credit reporting agencies such as XXXX, XXXX  & XXXX  that I'm not making any payments where in, XXXX XXXX XXXX, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that XXXX XXXX XXXX accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. XXXX XXXX XXXX, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact XXXX XXXX XXXX since they are the one responsible in reporting the account to the credit reporting agencies. I did call XXXX XXXX XXXX but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXX & XXXX to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that XXXX send me a notice in writing that they have already fix the problem.
Consumer complaint received 2021-04-06
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. (FL)

The open date is wrong. this debt is over XXXX years old negative but Experian still has it on my file. 


Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Consumer complaint received 2020-08-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NJ)

XXXX is reporting me as 30 days late in XX/XX/2020 which is not correct. I thought I was given a deferment due to COVID-19 and that I couldn't be marked as late. Please help me fix this and get it off my credit report.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

MIDLAND Credit Management Inc. has been sending me collection notices in the amount of {$530.00} and has been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (TN)

On or about XX/XX/2021, I sent an email to Credit Corp Solutions asking them to : a ) cease and desist with any further phone calls and, b ) to provide verification of any alleged debt, I provided them with my mailing address through the end of XXXX, 2021. Since that time, they call at least three times a day from various numbers, purportedly local to XXXX. On Monday, I answered one call and the person on the other end insisted on getting me to divulge personally identifying information. When I refused, she told me they would continue calling. I received another phone call today, XX/XX/2021 at or about XXXX, CT. I should not have to make repeated requests for them to cease and desist.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

My XXXX was hacked through the Coinbase App. I had over {$7000.00} on my Bitcoins account and unfortunately they transferred them somewhere else. Coinbase never told me until now what they are going to do.

They tried again yesterday and swap my new SIM card. 

I need your help please in order to recover my {$7000.00} plus Bitcoins that I had through Coinbase. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

Vehicle was deemed a total loss after hurricane harvey and gap insurance paid remaining balance but it was reported as a repo and my credit score dropped XXXX points ... .the balance was paid in XXXX {$220.00} and it is still not been removed. This was a natural disaster area and they put my payment history as late ... as a result my interest rates have skyricketd
Consumer complaint received 2020-08-22
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (VA)

On XX/XX/2021, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-04-06
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 — Investigation took more than 30 days
Company: ERC (IL)

Enhanced Recovery Company ( ERC ) is failing to uphold Federal Law, regarding reporting 100 % accurate information ; ERC is reporting INACCURATE, unfair information on my credit profile, which is affecting my ability to obtain credit.

I've communicated to ERC, via certified mail, with return receipt, on two ( 2 ) separate occasions ; my first letter to ERC was received and signed off on, on XX/XX/2021 at XXXX, and the second letter was received on XX/XX/2021 at XXXX. I havent received any correspondence, whatsoever, from ERC, nor have they removed this inaccurate, negative information on my credit report, and its been 13 weeks, or 91 days since theyve received and signed for my first letter! 

ERC is reporting inaccurate information on my credit report, and refuses to remove it.
Consumer complaint received 2023-02-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

PHH decided, without asking me or receiving a request from me, to take over my homeowner insurance policy payment. I had a valid policy for homeowner 's insurance through XXXX XXXX, and PHH decided that PHH would to pay it. That is a problem for me, because PHH will charge me more money than XXXX XXXX did if I paid it on my own. Now, the insurance company says that they can't talk to me, that I have to talk to the mortgage company. The mortgage company says that I need to call my XXXX XXXXXXXX Trustee, who has nothing to do with the issue of the mortgage company taking over my homeowner 's insurance policy without my request, and without talking to me.
Consumer complaint received 2022-01-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unanswered Dispute with TransUnion after 60+ days I sent my dispute letter via certified mail ( XXXX ) on XX/XX/XXXX, to Transunion. TransUnion confirmed receipt on XX/XX/XXXX by mail and assigned file number XXXX. 

On XX/XX/XXXX, I sent a second dispute letter via certified mail ( XXXX ) advising TransUnion that it's been over 30 days, and I'd like the account removed from my credit report. As of XX/XX/XXXX, I've seen no response from TransUnion. 

As of today, it has been over 60 days since I've heard from TransUnion.
Consumer complaint received 2021-04-29
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. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Heartland Resolution Group, LLC (VA)

I have been getting calls all day from Heartland Resolutions Group. They called me 6 times one day. Every time I answered the phone it would be dead air. I tried calling back to find out what it was about. I could only reach a voicemail box. I left a message asking them to stop calling me not saying anything. They continued to call the last call I got. The lady threatened to continue calling me which I consider harassment. She wouldnt tell me what the call was about or anything. They have been harassing me during my work hours calling me very early in the morning and it has become a major problem for me.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Account for Credit Acceptance is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and XXXX. It is beyond its statute of limitations to be reporting.