davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

XX/XX/XXXX XXXX I ordered from company XXXX XXXX website XXXX XXXX XXXX XXXX some reloading stuff, I payed via PayPal {$230.00} , I got email confirmation that my order will be delivered soon, then guys just disappeared, contact phone number shown on their website is not working, they don't reply to emails, chat service on their website is not working. I would like to get my money back, please assist if it is possible or please advise what should I do. 
I try to get refund via PayPal but had no success.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2021, property taxes were due. My mortgage servicer failed to pay my property taxes and I received a delinquent property tax bill at the end of XXXX. More penalties, charges and interest will be put on my home if the property tax and the penalty is not paid by the end of the month ( XX/XX/2021 ). 

We have never missed a payment for our mortgage, and escrow has enough funds to cover property tax. I called NewRez / Shellpoint Mortgage on XX/XX/XXXX to make them aware of this situation and to make sure the property tax, in addition to the penalties, is being paid out. I followed up on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my property tax still hasn't been paid. All the customer service representatives told me that there is still no response to this.
Consumer complaint received 2018-02-12
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: Onity Group Inc. (OH)

I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however Ocwen did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from Ocwen and from XXXX to report the information correctly and I can't seem to get anything resolved. I really need your intervention.
Consumer complaint received 2021-02-04
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. (IL)

As of XX/XX/XXXX XXXX XXXXXXXX XXXX is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. XXXX XXXX is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted XXXX XXXX today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
Consumer complaint received 2020-01-25
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: PNC Bank N.A. (MO)

Im writing this very seriously. I havent authorized PNC bank to obtain my credit report for vehicle loan. I havent filled out any application to PNC bank. I have clearly mentioned lender I do not want PNC. I request you to update and remove hard inquiry which is damaging my score.
Consumer complaint received 2020-01-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

Final email was on Mon, XX/XX/XXXX, XXXX XXXX. 

Cardinal Financial had reached out to my CPA with me unaware. Cardinal Financial asked my CPA to write a " comfort letter ''. Cardinal Financial will not accept tax returns or 1099 's or W2 as proof of income for a sole proprietor. My CPA told Cardinal Financial that would NOT write them or any mortgage lender a " comfort letter ''. CPA firm contends they file my taxes as truthful and honest and signs the tax returns. This is proof enough that the income on tax forms is correct. 
With that being said, Cardinal Financial tried selling us a more expensive mortgage. So I had to rescind our loan process. I asked for my cost of appraisal back and they agreed only if I would sign a 6 page gag order settlement ( which I can share ). I refused because I saw on this site they had 20 calendar days to reimburse all cost associated with getting the loan.So low and behold after I let them know of this my money was refunded in about 5 business day. Without signing the gag order settlement! 
Now, I have asked Cardinal Financial to reimburse me {$350.00} which is the amount my CPA charged me for having to deal with Cardinal Financial. Cardinal Financial has  denied my claim for {$350.00}. I am only asking them to reimburse me the XXXX. 
My contention is that the {$350.00} was part of the cost of securing the refinance we were after and which we never received.
Consumer complaint received 2021-02-04
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: AMERICAN EXPRESS COMPANY (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, AMERICAN EXPRESS Inquired on XX/XX/XXXX, JXXXX - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

This company has flagged my credit report with three separate collection accounts in the amounts of {$430.00}, {$280.00} and {$430.00}. After disputing these accounts on three occassions, the company has continuously updated the information for each account, changed dates, changes amounts, and has flagged them as unpaid revolving accounts. 

I have never received any notice from Commonwealth financial regarding any of these debts. I have no unpiad medical bills. And medical collections under {$500.00} are not to be reported regardlesss. 

I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt in violation of 15 USC 1692g.

I have never received any documentation making me aware of this debt or requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d which the FTC defines as debt parking.

If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (TX)

I am writing to file a formal complaint against Cash App for their failure to apply a promised 5 % discount on XXXX separate transactions made at XXXX, despite following all the necessary steps to qualify for their boost offer.

Details of the Incident : First transaction amount : {$860.00}, completed with the expectation of a 5 % discount, canceled by me to reorder for a lower price on XXXX. 
Second transaction amount : {$820.00}, completed with the expectation of a 5 % discount.

On both occasions, I initiated and concluded the transactions through the Cash App boost feature for XXXX, which explicitly advertised a 5 % discount. However, this discount was not applied to either transaction. Despite reaching out to Cash App support more than XXXX times, they have inaccurately stated that I deactivated the boost, which is not possible given that the XXXX site is only accessible through the boost feature within the app.

Attempts at Resolution : I have provided Cash App with screen-recorded evidence of the entire transaction process, clearly showing that the transactions began and ended within the Cash Apps XXXX XXXX feature. 
Cash App has not only refused to evaluate the transactions but has also removed my missing boost option for resolving such issues within their application.

Impact of the Issue : Financial loss of the promised discount amounting to approximately [ {$41.00} ] on the second transaction.

Significant time spent attempting to resolve the issue without success.

The loss of trust in Cash Apps advertised offers and customer service. 

Resolution Sought : I am seeking a full evaluation of the transactions against the advertised boost offer.

I request the owed 5 % discount to be credited to me accordingly.

I would also like Cash App to review and improve their customer support processes to prevent such issues from occurring in the future.

Enclosed are the screen recordings of the second transaction, a screen recording of the conversation from both the first and second transaction, and any other relevant documentation. I trust that the CFPB will assist in resolving this matter fairly. Cash app should not be allowed to collect my data by having me place an order through their app without fulfilling their end of the bargain. I would not have placed the order through cash app if I was not getting 5 % discount that was and is clearly advertised.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

Citi Bank/Homedepot is still reporting late payments on my credit report which is hurting my score pretty bad. Citi Bank recently reversed my late payments but told me it no way they could change that on my credit report which isn't true at all. I recently went through my statements and found out 15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates with this information are all mailed well over 21 days so in which none of my payments should be counted as late. I've tried to communicate this with a person over the phone but she was not trying to hear it at all which I have it recorded and I also told her that. I ask was the statement mailed between those days she said yes which is false. I would just love if these companies would just follow the laws or get knowledge of them it would help us all out.
Consumer complaint received 2023-03-24
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. (TX)

XXXXXXXX XXXX XXXX has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

Barclays XXXX XXXX had a {$200.00} welcome bonus promotion if you spend {$500.00} within 90 Days which I did and have proof on their online account.In small print it stated it will take 4-6 weeks once the bonus was issued, I was issue the bonus on XX/XX/31, it has been 7-8 weeks already, I called several times to speak to a rep about when the bonus would be issue but was always directed away without help ( reps I believe are from XXXX, hard to understand them ) They seem to brush me aside.I have all proof online on my account if needed.I believe this is a fraud activity.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I submitted a dispute in XXXX XXXX, 2021 and never was given any information. On my credit report Experian and XXXX are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (FL)

there is too many late payments on the account from previous dates which I talked several times to XXXX XXXX about this payments that was made and some fees that they was supposed to adjust and when I paid they mark it late, some of the late marks are not for the actual payments they are for late fees which they were supposed to be removed and they didn't and I end up paying. As of today the account is current with no balance owed. I have XXXX late marks from XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX of XXXX. 
This is XXXX late marks which hurts my credit really bad and I can't get any loans or get a new car. 
My credit report with all the other creditors a re perfect and never had such issue. 
I really need help with this. 
ThAnk you.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with 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. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I sent credit reporting agency Equifax a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OR)

Venmo froze my new account after I tried transferring money I received from my partner to a bank account. And demanded my ID. I provided my ID but they haven't unfrozen my account. I have done nothing wrong. I just made the account.
Consumer complaint received 2021-06-08
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. (CA)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I had reached out to the XXXX numerous times since XXXX .So XXXX I followed up some unknown inquiries on my credit file as well a debt collector. I have send in my information numerous times even to the debt collector who had my name misspelled and different address some how they changed it to my information I have now. I have two police reports and identity theft report. Gave the case numbers out. Even provided proof XXXX which is XX/XX/XXXX, How come XXXX send me information but the agent indicated thats not their address any longer from a request form that they send to me. Even inquiries I have no knowledge of. ( I even have the confirmation on the for XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I refinanced my home loan and it was sold to NewRez XXXX XXXX  on XX/XX/XXXX, with the next county tax payments due within 30 days of sale. In the onboarding process, NewRez failed to check tax status, so in XX/XX/XXXX, I received a tax default notice from XXXX County, IL that payment was past due, and on XX/XX/XXXX a second installment was due. Contacted New Rez and they sent both payments, but evidently took too long, and the delinquent interest was insufficient or tax parcel ID didn't match, as XXXX XXXX rejected and returned the payment. Evidently, XXXX doesn't employ at tax service to ensure payments? Again in XXXX, I received a second default notice from XXXX XXXX that both 1st and 2nd installments were now past due with additional interest by XX/XX/XXXX. I contacted NewRez again and on XX/XX/XXXX they paid both installments. On XX/XX/XXXX, I called XXXX  County to check the status, and neither payment had been received, so to stop additional action, I paid the entire bill out of my own funds {$4000.00}. On XX/XX/XXXX after XXXX County did not show a tax refund overpayment on my parcel for the NewRez payments, I contacted NewRez and informed them I want the following actions taken :!. ) What happened to my tax payments and where have they gone? XXXX County has no record of receiving the XX/XX/XXXX payments 2. ) I want immediate reimbursement of the full amount of taxes and interest I just paid on XX/XX/XXXX {$4000.00} XXXX. ) I want my escrow account requirement suspended and all escrow funds returned to me immediately. I will pay all escrow-related items, as you have proven over the past year to be incompetent at handling them. 
XXXX. ) As a former Servicing Compliance Executive at XXXX XXXX, I will be filing formal complaints with CFPB, XXXX XXXX ( mortgagee ), and my Congressman. 

They still haven't responded other than an email that they received my initial request How can CFPB let the three worst servicers in the nation, XXXX, XXXX, and NewRez combine into one giant servicing operation?
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation (NY)

Today, XX/XX/23, I received a card in the mail to an address I have not lived at for the past XXXX  years. the card and accompanying letter had my name on it. I did not order any such card, let alone to that address.