davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
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)

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted Transunion through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. TransUnion declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a college student and should not be going through this. 


I will once more supply TransUnion with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a college student.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

This complaint is regarding Paypal. I was a Paypal customer for over a decade with no problems. 

On Thursday, XX/XX/XXXX I received an email stating that my account was permanently " limited '' ( closed ) but no reason was given. When I called the company I was told that I had violated one of the prohibited action provisions in their User Agreement, but none of the three people I spoke with could tell me which one. I reviewed their prohibited actions, and I am certain that I did not violate any. I have offered to prove this several times but was only told that this " type of violation '' was " irreversible. '' However, no one could or would tell me what " type of violation '' this was. 

There was some increased activity on my account just before it was closed : typically I just use Paypal for online purchases or donations. However, I had recently laid out funds for an event for a community group I am part of, and some members were paying me back. I received three payments of {$33.00} each before the account was shut down. I offered to prove all of this to Paypal, and sent them screen caps of the receipt for the event, and emails discussing the reimbursements, and received only a form response which made it seem very likely that no one had even looked at what I had sent them. 

In addition, Paypal has frozen the {$99.00} that had been paid to me, and I received an email that after 180 days they will inform me of how I can obtain the funds ( not that they would release the funds or credit my account, just that they would inform me of how I can obtain them ). 

In doing some research online, it is clear that I am not the only person Paypal has done this to. A quick XXXX searched turned up this discussion on their own community message board that contains many very similar stories : XXXX  : XXXX. Many of these people have lost far more money and endured greater hardship than I have. Fortunately, I do not rely on Paypal for my income. 

I am hoping that you can look into this, and that Paypal can at least be made to have some sort of dispute resolution process, rather than simply kicking people off, accusing them of violating the User Agreement with no proof, and ( most likely ) just keeping their money. Thank you.
Consumer complaint received 2017-12-20
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: Conn's, Inc. (TX)

XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I took out a personal loan with XXXX XXXX for {$2000.00} in XXXX XXXX XXXX to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been 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, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!
Consumer complaint received 2021-05-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (FL)

NVR initially approved my loan and then spent 7 months lowering my credit score by making hard inquiries every month. They then told my builder they were denying me a loan due to a low score. During the process NVR continued to collect my information as if they were going to approve the loan but did everything to lower my credit score to charge me a higher interest rate. As a XXXX vet with a guaranteed loan I feel they did this on purpose to discriminate against me. I complained to them and the builder who owns the company. The builder told me they were going to cancel my contract.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). It's very stressful because it has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I don't have any choice but to seek legal remedies to take care of this issue.
Consumer complaint received 2021-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc. (AK)

Cornerstone Credit Services reported my unpaid medical bill to my credit report, and this is damaging my credibility. I attempted to resolve this though direct talk and through my lawyer and failed. 

I was attending XXXX XXXX for a work accident. Unfortunately, my worker comp case was controverted, and I had to hire a lawyer. Meanwhile, the provider, XXXX XXXX XXXX, send my unpaid balance to Cornerstone Credit Services for collection. 

My lawyer and I informed Cornerstone Credit Services of the situation and the company did not care. This negative reporting is hindering my financial prospects and I would like CFPB ' intervention. 

I need that collection removed from since the litigation is still pending. 

Thank you
Consumer complaint received 2021-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Savings constantly & non stop sending me email asking me to fund my savings account. So time came i had some money and funded mentioned Savings Account. Ive probably move movie ( {$20.00} not more ) from my external pre paid account to this savings & vice versa. Until one day I eas to login to check status of a certain transfer, i couldnt login so I call and talk to someone and asked whats the status of my account why dont i have the access to it? 
He went put me on hold, then came back and told me, theyve decided to close my account due to suspicious activity? Anyways, long story short, i accepted their decision bec i dont wan na have to argue with themnbec funds are less than {$100.00} dollars! Which is not my point though. My frustrations are.. theyve closed my savings account and kept my funds too??? Why is this happening to me to much? I cant put my life back together bec of all these XXXX! Please XXXX me retrieve my money back! I need it!
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/XXXX at XXXX XXXX P.S.T. I spoke with my lender and requested they extend the forbearance plan I was on due to financial problems related to Covid-19 and confirmed with XXXX XXXX in the loss mitigation department at Shellpoint that the forbearance was extended to XX/XX/XXXX. However I just received word that they are now saying they have not notes of the forbearance being extended and have placed a sale date on my home. I believe this is illegal.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

A credit card was opened in my name, without my knowledge some time in 2012 after my father and I visited a local branch and opened a student checking and savings account when I started college. I'm told this was done on line and that it was used for on line purchases. What complicates things is my father 's cell phone was used to set up the account and when he got calls and bills in the mail he made minimum payments thinking he was helping me. when I told him I never had a card he stopped. At that time, we began calling and writing to get this resolved. We have been unsuccessful and Wells Fargo isn't being forthcoming.
Consumer complaint received 2021-10-21
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. (MA)

Dear Sir/Madam, Please don't close this complaint just because this mortgage company, XXXX XXXX XXXX , says they will act on it. They said they will and CFPB closed this complaint and the issue still exists. XXXX XXXX XXXX did nothing. There are multiple complaints against this mortgage company on XXXX as well. Please check the XXXX website. 

Our mortgage was transferred from this mortgage company to XXXX two months ago. We even began paying to XXXX, after verifying with them, but XXXX XXXX XXXX refuses to close our account and report it correctly to credit agencies. It's becoming a problem for us as our credit report is incorrectly showing primary loan on our home owned by two mortgage companies. When it should only be XXXX. 

I hope due diligence is conducted with this mortgage company, and please don't close this complaint till full resolution and proof from XXXX XXXX XXXX  has been submitted that validates that they have corrected their records and reported it correctly as per the regulatory requirements. 

Thank you, XXXX
Consumer complaint received 2021-05-27
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. (NC)

On XX/XX/21 I sent certified mail to Experian stating : You have my real name, my current address, date of birth and SS #. 
My current employer is XXXX XXXX. 
My current phone number is XXXX. 
Please remove all other items from my personal history including any names that are not XXXX XXXX XXXX, previous addresses, and previous employers because Im afraid that I might be susceptible to identity theft Experian has responded on XX/XX/21 without doing anything I requested of them and instead sending me online form to fill without the option to remove any of the information I requested. I fear that using that form will cause me to forfeit my rights to seek legal action against Experian.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I refinanced with Cash Call Mortgage in XX/XX/2021 and received a letter XX/XX/2021 that my loan would be transferred to a new lender. Sometime in mid-XX/XX/2021, I received two mortgage statements. One from Cash Call and the other from XXXX XXXX XXXX. Both statements were due on XX/XX/2021 and were nearly identical and had the same loan amount and interest rate. The only difference is that XXXX  did not include escrow payments. When I spoke with a representative from XXXX, they informed me that the loan was transferred to them on XX/XX/2021. When I spoke with Cash Call on XX/XX/2021, they are denying that the loan was transferred to XXXX and that there was no transfer of the loan at the time. Both parties were requesting payment of the mortgage on XX/XX/2021. I have spoken to Cash Call customer service representatives multiple times but no one has resolved the issue as to why I have two nearly identical mortgage payments due. I am now concerned because I believe that Cash Call could be committing fraud by collecting on my loan that was transferred or they may have released my private information to a third party. I have called XXXX and Cash Call multiple times to clarify the issue with no concrete response. As of XX/XX/2021, the issue still has not been resolved and Cash Call representatives have not informed me as to why XXXX has my loan info and why they are requesting payment.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the XXXX  Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

My mortgage is {$1700.00} a month. However, I always pay an extra $ XXXX {$340.00} every month so as to lessen money paid in interest charged by the total loan ( current balance {$240000.00} ). It is hard to tell if the overpaid money is being applied towards the reduction of the principal amount. I have asked my loan servicer ( PHH ) to send a copy of how much money I will have paid at the end of the mortgage life, which mortgage companies are obligated by law to provide to borrowers. PHH 's website outlines extra payments as " Monthly Additional Principal '' ; however, it is unclear ( and PHH refuses to clarify ) how my extra payments impact the life of the loan.
Consumer complaint received 2021-02-09
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. (PA)

On my credit file I have a XXXX XXXX XXXX XXXX fraudulent account. I want this account removed from my credit file. And evidence of who opened the account.
Consumer complaint received 2018-03-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Recovery Solutions, LLC (OK)

National Recovery Solutions has tried to contact me at work several times even though I have asked them not to call my work or it would get me in trouble. each time i told them this they told me no one has ever talked to me which is a lie. 


I spoke with them on XX/XX/XXXX and XX/XX/XXXX on my work line and asked that they not call me at work. Then they asked me to let them speak to human resources as soon as i told them to stop calling me a work as a scare tactic. When I told them that i was going to file a complaint he said I Don't know what for. I repeated because I ask that you stop calling me at work.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I contacted Equifax on XX/XX/2021 asking them to delete inaccurate mailing addresses from my credit report and I did not receive a response from Equifax. On XX/XX/2021, I contacted Equifax again asking them to verify the accuracy of 2 bankruptcies that are on my credit report. Equifax did not respond to my letter. On XX/XX/2021 I sent a 3rd letter to Equifax asking them to Delete the unverified bankruptcies since it's been more than 30 days and still did not get a response from them. CFPB website says that if information can not be verified and if information is inaccurate it should be deleted from my credit reports but I don't see why Equifax do not respond to letters for months past. The Equifax credit report I got on XX/XX/2021 says the bankruptcy information comes from XXXX XXXX so I contacted XXXX XXXX and XXXX XXXX SENT ME A LETTER STATING THEY CAN NOT VERIFY THE BANKRUPTCIES AND THEY DELETED BOTH OF THEM FROM THEIR DATABASE BUT EQUIFAX IS NOT RESPONDING OR DELETING THE UNVERIFIED BANKRUPTCIES FROM MY CREDIT REPORT. According to FCRA Equifax should delete these 2 bankruptcies. Equifax is preventing me from being able to buy a house and costing me thousands of dollars in interest every year by continuing to report these bankruptcies that shouldn't be on my credit report.
Consumer complaint received 2021-07-18
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. (OH)

I was looking at my credit report with Experian and after scrolling through there web access I finally got to the personal information section and saw over twenty addresses and some of the address belonged to actual company 's. On XX/XX/21 I notified Experian by certified postal mail that the address were not mine I enclosed a copy of my identification a current utility bill with my address where I live and I have lived here for some years I also included my ss #. I have not heard from them so on XX/XX/21 I repeated the process now im filing a complaint becuase i now know this reporting of wrong information on my credit file is deliberate in each letter i asked them to remove all the address and phone numbers except the phone number and address I provided. They have not and refuse to comply and went as far as to tell me to contact the cfpb and file a complaint as it is my lawful right to do so, so i am.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MA)

Re : Complaint id XXXX I purchased a XXXX Prepaid Card in the amount of {$200.00} on XX/XX/2018 I registered the aforementioned prepaid card in my name on XX/XX/2018 by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that arent mind to be removed from my credit report immediately. Its been more than 30 days and I havent received anything. I did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately removed them. Also section 15 USC 168a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided In my letter I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.