davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. 
The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.
Consumer complaint received 2021-09-07
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: Experian Information Solutions Inc. (NC)

I'm filing this complaint against XXXX  and Experian because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE FARM BANK, FSB (CA)

This is a formal complaint on State Farm Bank Credit Card. I have been a customer of theirs for 10+ Years. I have trusted them at all times to resolve any issues and have always been great. I used my credit card to pay for a parking service in the XXXX ( XXXX ) Airport. While I parked there my car was broken into, items were stolen from my car. In person I tried to resolve the issue at the parking lot and they would not let me file a police report or a complaint. They would not let me out if I did not pay and my safety was at risk. My cost to replace my stolen spear tire and tools were {$480.00}. I felt I should not have to pay for parking in a lot where my security was compromised. State Farm has always been great and has promised to be good neighbor and protect its consumer. The representative stated rudely that it was not state farms problem. I was forced to use my credit card to get out of the lot. I used SF CC to pay since it was the only card I had with me and the only one I ever use due to the security it has always given me.
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX XXXX XXXX a consumer put a judgement against me and froze my bank account. Every time I call Citibank they tell me to call a number so I can unfreeze my account which Citibank and the office refuses to do so. Even though I 'm protected with the EIPA law
Consumer complaint received 2017-10-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (OH)

My wife and I applied for a home equity loan with Royal United Mortgage , LLC. We provided all the information to pull our credit. I mentioned to the loan officer XXXX XXXX that I had a short sale on a home in Illinois. She mentioned Royal United Mortgage underwrites their own loans and they can do hings other lenders could not. The attached documents will show that a few hours after pulling both of our credit reports, an appraisal was ordered through XXXX and payment would have to be made by us as Royal United Mortgage did not pay for that part of the loan and all other associated costs would be rolled into the loan. We paid {$450.00}. The appraisal was done it satisfied us borrowing the amount we were set up for. Then the week we were supposed to close the loan, here comes the underwriting problems. The same information in my credit report before the order of the appraisal is now a stumbling block to closing the loan. A subsequent conditional approval is very confusing after appraisal is paid for but loan not closed. I am requesting the return of my appraisal fee {$450.00}. The company and it 's loan officers should not promise what they claim they can do that other lenders ca n't. It is as if they lead you on, get your dollars and skin involved then, " Oh we ca n't do anything ''. 
I do not need a {$450.00} appraisal of my property. I do need my {$450.00} returned.
Consumer complaint received 2017-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX, 2016 I called and spoke with a transuion regarding identity theft and unauthorized solicitation of my credit representative informed me that I needed to add a fraud alert on my account and that they would delete the inquiries, and incorrect addresses listed on the profile however non of the above has happen
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

I have an auto loan with Santander Consumer USA. I have a XX/XX/XXXX XXXX XXXX I made and it was taken out on XX/XX/XXXX ( I Have my proof to show that a payment was made ) However they saying the las payment was posted on XXXX XXXX. A really nice rep helped me out and informed me that it was thier mistake because they applied it to the wrong account. Now it seems like I 'm paying for thier mistake and no one is contacting me back and to make matters worst they reported it late to the credit bureau. I 'm asking if someone can please call my asap in regards to this manner.
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-09-07
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 just suspended the account of my small business that i have been working hard to build and held all the funds for no reason. Additionally they accused us of " deceiving Paypal and it's customers '' with zero explanation. I haven't been able to get any sort of answer from customers support and the only option we have is to take this to court. This Paypal account had tracking numbers and details for every order we received. All the orders are processed through our official website and none of our products is against Paypal policies.

This has been extremely painful and is driving my small team and i crazy, if anything could be done please help.

If it's possible to submit the account for a review if so how can we do so? 
My email paypal is XXXX XXXX
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. CapitalOne finally got around to ordering the property value 2 months later. It was completed on XXXX/XXXX/16 but there is a major problem - it was done for a property IN ANOTHER STATE. NOT the subject property. Attached are our call logs and a copy of the value done by CapitalOne for a property in the wrong state. 

To date, CapitalOne has done nothing whatsoever to obtain a value on the correct property and with each phone call prove themselves more and more incompetent and unable to answer simple logical questions. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as order a property value for the correct property, how can anyone condone their continued existance in the real estate and financial business?
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right?
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

Rent Recovery ( M at Lakeline ) This company has purchased or created some fraudulent debt and is targeting me for extortion by attacking my credit file 4 years after the so called first reported delinquency. I purchased a house at the time that they are claiming I was in an apartment. I never lived in that apartment and have no business with them. 4 years after they say it would have been due. This is clearly not valid debt. My name is XXXX XXXX XXXX XXXX. The company M and Lakeline has no record of me when I called them about this false claim. Rent Recovery has a bad record for falsifying debt and attacking peoples credit profiles to force payment. This illegal activity is severely damaging my family, my health, and financial life. I am going to go public with this soon in a Lawsuit if they do not delete this from the credit files and their own records. I refuse to pay debts that are NOT mine! 

Rent Recovery Solutions, You are ordered to cease and desist from reporting this fraudulent information to credit reproting companies and you are required to delete this record immediately in accordance with FDCPA Laws! If this is not deleted from any credit reporting company that you sent this to within the next 5 days as required by Federal Law, I will be filing a lawsuit to seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character.
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

On XX/XX/2021 I sent a letter to wakefield and associates asking them to verify my debt with my signature and any other proof. On XX/XX/2021 all I received was a bill with no name social security number or signature. just amounts and dates
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (SC)

When moving out of XXXX XXXX XXXX, my partner and I both gave our phone numbers, email addresses, and new residential address to be contacted at under the understanding that we would receive a notice in the mail of what, if anything, we owed the apartments for damages and were to pay in full in two weeks upon receipt. We never received a letter, phone call, or email, and instead the debt went straight to debt collection and we don't know what, or why, they're asking us to pay, and we were never given notice or time to pay within the agreed time frame, promised in writing.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX/XXXX/XXXX I tried to sign up with XXXX XXXX and found out transition had a security freeze on my account. Spoke to 3 people who would not tell me why but was told I would get a call this morning at XXXX XXXX, a time I requested. I was not called back. Spoke to XXXX in their US based specialized fraud team this morning. She said that a freeze was placed on me on XXXX/XXXX/XXXX. She said due to the XXXX issue the transunion system was overwhelmed and that when someone requested a freeze their system is freezing everyone with the same name. I asked what they were doing about it. She said they are going thru their system and seeing who should n't have been frozen. I asked how they would know which XXXX XXXX requested it and which did n't. She was unable to answer my question. The first person I spoke to yesterday told me since I had not request ed the freeze it may have been a family member. I find it very troubling that some one other then myself would be able to request a freeze on my account. Their own website says if I have a freeze I am mailed a letter with a freeze pin number. Guess their system mailed it to the wrong XXXX XXXX since I was never notified. I requested compensation for my time and inconvenience but was denied
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Performant Financial Corporation (PA)

I was called by XXXX XXXX and told me that he called my job trying to collect on Student Loan debt and that 's why he called my job that I just started less than two months ago. I told him he should n't have called my job because we are n't allowed to get personal calls at my job unless it 's an emergency. He said he was allowed to call my job and I told him it was against the law to call anyone 's job about a debt and that he could have gotten me fired from my job. He was rude and did n't let me talk and would not allow me to deferr my student loans because I had just started working there.
Consumer complaint received 2017-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (MO)

My teenage daughter received a phone call on her cell phone from Chrysler Capital looking for an old neighbor that moved a year ago. 

I find it appalling that someone with Chrysler Capital thought it would be okay to do this. 

An employee of Chrysler Capital had to go online and look for a name or address of an old neighbor to the debtor in an attempt to track him down. They anticipated an old neighbor ( me ) will let him know about the call in an attempt to shame him into taking care of his debt. 

I will not do Chrysler Capital 's job for them. They should be stopped from using tactics like this on others.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XX/XX/XXXXXXXX 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 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 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 2023-01-28
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-10-20
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. (GA)

I contacted these companies on several different attempts to remove the inaccurate accounts thats is reported negatively on my credit file. I am not aware of the accounts. I have contacted the credit bureau about these accounts as well. The accounts are as follow : XXXX XXXX, 11 accounts with federal loans totaling XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.all these accounts are inaccurate reported
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/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 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
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I sent a letter to Convergent Outsourcing to provide me legal documentation for this alleged debt after auditing my credit reports, and never receiving a dunning letter from them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They completed ignored my letter, and but fail to provide me with the original application therefore they need to delete this account from my credit report
Consumer complaint received 2017-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

It was XXXX XXXX n he scammed me on PayPal he told me to pay fam n friends so he did n't have to pay fee n I did n he was selling a XXXX n he scammed me XXXX $