davidheineman/consumer-finance-complaints-large huggingface dataset:
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 XXXX
Consumer complaint received 2020-11-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I was closing the sale of my home and requested a loan payoff from Carrington Mortgage Services. Upon receiving a copy of the payoff I noticed a discrepancy on the amount of a FHA loan modification payoff from the amount listed on the original paperwork from FHA. Carrington Mortgage Services listed the amount as {$4400.00} and not {$3500.00} as stated on the FHA paperwork. I sent a letter to Carrington 's research department on 3 occasions XXXX, XXXX, XXXX asking for documentation to provide proof of the difference. I also included the original paperwork from FHA to show the difference. All 3 occasions I was sent the payoff request and no documentation showing where the difference came from. I started placing calls to Carrington in XXXX asking to speak to a Supervisor or Manager they stated I could not be transferred to a Supervisor or Manger. I then called again 2 days later finally getting a Supervisor who stated they would call me 3 days later, they never called. I called back on XX/XX/2020 and was told that paperwork was sent out with the documents I requested I waited but never received such documents. I called back 3 days and was told again I would not be able to speak to a Supervisor or Manager. I received another letter in XXXX stating they were still researching. On XX/XX/2020 I again placed another call to Carrington not being able to get a Supervisor or Manager but was told I would have to write another letter to the research department. I have requested numerous times documentation of the difference because they have been able to procure any documentation on the higher amount I am requesting a refund of {$890.00}.
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sXXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX  Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I sent {$1200.00} to XXXX to a XXXX  there who needs the money to buy XXXX  to the US. The transaction was : You sent XXXX  {$5900.00} XXXX  to XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2024 SENDER XXXX XXXX XXXX RECIPIENT XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2024. 
Money sent XXXX  {$5900.00} XXXX  = {$1200.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$1200.00} USD This transaction will appear on your statement as PAYPAL XXXX You paid {$1200.00} USD ( the amopunt was withdrawn from my bank ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX receive XXXX  {$5900.00} XXXX  Recipient may receive less due to foreign taxes. 
Currency Conversion Converted from {$1200.00} USD Converted to XXXX  {$5900.00} XXXX PayPal 's Conversion Rate XXXX USD = XXXX XXXX  This rate includes a currency conversion spread. 
PayPal released only about 20 % of the amount to the recepient, and said that the rest will be released around XX/XX/XXXX. The money is urgently needed to buy a ticket to the US for this XXXX  ( he alraedy has the US visa ). There is no reason to hold on to the money by PayPal. When I complained ( twice ) to PayPal they gave me some idiotic explenation that the " recepient Paypal average transaction amount was exceeded ''. Makes no sense. They said that the recepient must call the XXXX  office of Paypal to release the remaining money. XXXX XXXX has spent one entire day trying to connect to the XXXX  number of PayPal, without success. In the meantime the cost air fare is increasing. I spoke to three different people of PayPal, including a supervisor, without any effect. Please order PayPal to immediately release the money to the recepient, or to return the money to me immediately. 
Thank you XXXX XXXX, XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (TX)

At around XXXX XXXX on XX/XX/24, we initiated a wire transfer ( {$180000.00} ) in order to close on the purchase of our new home. We were instructed to wire the amount to our XXXX XXXX XXXXXXXX XXXX, and the communication from Ally Bank, our bank, led us to believe this would happen on the same business day. Through repeated phone calls to Ally, we were repeatedly told that it should take 1-2 more hours and funds would be delivered by close of business that day. This continued for three days with misleading and incorrect automated emails from the bank, confusing information via chat with bank associates, and MANY hours on hold. This caused undue hardship for both us as the buyers and the sellers of the home as we were unable to close as planned and received no reliable communication or updates from Ally or its associates. The money for the transfer was also pulled from our account yesterday morning, but the transfer was not completed until this afternoon.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

These are my deposits to my card from XXXX but Bank of America says my card is closed. 
XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX
Consumer complaint received 2017-12-23
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. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX  inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (FL)

In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX  XXXX  in the amount of {$5500.00}. 

We immediately telephoned XXXX XXXX to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX XXXX had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX Schools where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match gAuthenticate data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX XXXX 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX XXXXXXXX with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX XXXX 5 months ago and we provided every bit of documentation requested, XXXX XXXX went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX XXXX FRAUDULENT REPORTING of it to Equifax, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX XXXX NEGLIGENCE.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (GA)

This complaint is towards paypal, On XX/XX/XXXX I was arrested and was incarcerated until XX/XX/XXXX when I was released I was trying to log in to my pay pal cause I know my department of labor benefits was deposited on there when try doing so I couldnt I call pay pal and they said my account is lock due to collections I was confused because I was supposed to have XXXX in my account I try to explain to them the story they pass me around to two department one department wich is collection telling to contact limitations and limitations tell me to contact collections then it was they was going to put in an report for me and then I aint here from them in couple days so call them some one told me after 180 days I cant file a dispute so if something happen in your life cause we all aint perfect but u dont have access to it and someone take over unauthorized and use all your money u cant file a dispute I feel like thats not fair I even had the officer that file my report call them and he said they aint help him or told him nothing so I ask if I could send in documents they said no that I got ta pay XXXX dollars why should I pay when I didnt have control of my account cause I was in jail I just need someone to help me on what to do to retrieve my money back I already contacted department of labor and they said contact your bank and nobody tryna to help me
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I purchase my house in XXXX XXXX and paid XXXX for my house then. I fell behind and filled bankruptcy in XXXX. Currently I am upside down on my home and Select Portfolio can not explain why I owe over XXXX for my home as of date.. I do understand there was fees but I should not owe more than I purchase the home over 17 years ago. It is like I stop paying on my home for 17 years in order for me to owe more than I purchase the house for in XXXX.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ive already filed a complaint with this company to which Bank of America did give me a call left me a voicemail on XXXX XXXX of this year Ive called back almost a dozen times and left a dozen voicemails to which they have never called me back originally my whole reason for filing was because {$300.00} that was transferred to me was stated to have never been claimed or went through with the bank and was never put into my account to which Bank of America says that they can not help me with and they denied my claim for reimbursement they sent me a text stating that I received my wire transfer but when I went to call them and speak to them about it they said they had no idea how I was able to get a text and they couldnt explain it themselves I still havent been able to talk to anybody no ones called me back at all
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (IL)

XX/XX/21 someone named XXXX from some " LLC '' company tried to collect a debt that I do not know. She wanted my name and would not say what she wanted. She was aggressive and rude. I told her I do not have debt and would not give her my name. I told her to never call my house again. Her number was XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (VA)

Experian continues to report a collections on my report that they have been reporting over XXXX years from XXXX XXXX for {$6100.00}. It should be removed after XXXX years
Consumer complaint received 2022-02-02
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. (MN)

On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than 12hrs without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Finance Company, LLC (NJ)

An agency claiming to be conducting debt collection services on behalf of Continental Finance Credit Card has been contacting numerous third parties about a debt they claim I owe. The name they present themselves as is XXXX / XXXX XXXX XXXX. They contacted my employer and asked if I could be served court ordered docs. at work. Theyve spoken to 3 different parties at my job and most recently theyve started reaching out to Family / Relatives. I contacted them directly and asked for the information about the debt they were attempting to collect, I requested to be given time to review my Credit Report in order to confirm whether or not this debt was my responsibility of if it was on my report and I also requested not to be contacted at work. They confirmed my SS # and then proceeded to tell me that I would be served with a court order at work if I did not resolve / pay off the delinquent account. I made numerous attempts to obtain an address but they wouldnt provide me that information. I called back repeatedly since they hung up on me when I continued to ask for an address & for more details about their identity / the company. My request for information was met with threats about being served at work and I was told to pay my bills and then I wouldnt have to worry about the calls. 

Their contact Number is XXXX ( XXXX ) XXXX The Main Lead / Representative ( person that contacted all of the ppl at my job & my relatives / person managing the case ) is XXXX XXXX. She claims to have a direct number, XXXX XXXX XXXX XXXX XXXX. 
These ppl claim to be doing business on behalf of Continental Finance, a credit card company that issues three main types of CCs ( under XXXX, Matrix or XXXX  ). 

At this point, no written information / supporting documentation has been mailed to me even though I inquired about receiving actual written documentation.
Consumer complaint received 2019-08-15
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: SYNCHRONY FINANCIAL (GA)

Soon after I started building credit I got a hard inquiry from SYNCB ( XXXX XXXX XXXX ). It occurred on XX/XX/2019. It shows on both my XXXX and XXXX. I dont remember signing up for anything or requesting anything to cause this hard inquiry.
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I pulled my credit reports XX/XX/2022 after receiving several letter from this company Midland Credit XXXX saying I owe a debt for XXXX for the amount of {$440.00} for account that was opened according to them XX/XX/2022 which I never opened. They are reporting this false account on my credit files. I have spoken to them on several occasions about this issue.