davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

My friend on XXXX told me I can earn XXXX dollars if I send money to a person and I fell for it. He asked me 4 times to send him more and more money. I felt like he wanted more and more money and nothing was coming into my Zelle account. I finally gave up and tried to get my {$950.00} bank that I sent him. He stopped texting me and never gave me any money. Im worried about this so much, I really sent him {$950.00} so I could win {$10000.00} and he have stopped contacting me. Please help me get my money back from this stealer.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

Since my mortgage was transfer from XXXX XXXX to Suntrust I have only experienced problems and harassment. Letters and notice that mortgage is delinquent but all my payments are being paid. My mortgage is not properly manage my sunrust. Mortgage payments are not being applied correctly. But the biggest problem is that I am being defraud with the principal balance left on my mortgage. In XX/XX/2020 my principal balance with Suntrust was estimated {$620000.00}. In XXXX I enter into deferred program. In XXXX I request to exit and started to make my regular payments but now Suntrst charging me an outstanding principal balance estimate {$620000.00} plus a deferred amount of estimate {$18000.00}. How can this be correct. I spoke to Suntrust. Spend hours and hours in the phone, request to speak to a manager ( that never call you ) and nothing. I dont know what to do.
Consumer complaint received 2022-02-15
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-15
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-01-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/XXXX, PORTFOLIO RECOVERY Opened XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

consumer is asking that this matter please be forwarded to the FTC for more thorough investigation as the company persistently violates the consumer with no remorse. This company has not sent the ORIGINAL INSTRUMENT OF INDEBTEDNESS and has refused to accurately and efficiently VALIDATE this debt and therefore, by law, it MUST BE DELETED. This is the last attempt on the consumers behalf to resolve this dispute in good faith before proceeding with civil court filing.
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (FL)

BMW Financial Services informed during Covi19 no late fees or credit reporting while trying to make payments due to loss of job and earrings. They decided to change that in XXXX. I didnt received any notification via email or official letter in the mail. They have posted derogatory 30 days in XXXX and also XXXX when in fact they received full payment during the ten day grace period.Payment due date is XXXX of each month. Account is up to date but they continue to mislead the report past due in XXXX which is not correct. On the XXXX also the XXXX and on. They have changed the report several times with wrong information and not what should be up to date. They also explain that they added XXXX to derogatory while the no report to credit bureau and late fees rule still applied. Per BMW Financial above rule stopped applying on XX/XX/XXXX. As of XX/XX/XXXX they continue to mislead my report with XXXX past due as of XX/XX/XXXX This is unacceptable as the information is not correct they are not owed that money as the new payment is due XX/XX/XXXX for the regular monthly payment. 
I have disputed over and over with the bureau and they continue to change report to make it look the account is past due. Which is not. I have documentation to support. Also they have a recording via phone in case you need help during COVI19 when you ask about. They say is an old prompt and doesnt apply. We are still in a pandemic with loss of income and jobs. I find this actions irresponsible and careless as is certainly a game for this people to ruin peoples credit.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

IAM A VICTIM OF IDENTITY THEFT, PLEASE INVESTIGATE AND REMOVE FROM MY REPORT. 30 DAYS HAS PASSED. 

XXXX XXXX ACCT # XXXX RECEIPTS SLIPS XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I made a XXXX transaction from my XXXXXXXX XXXX account on XX/XX/2020 to my joint Huntington account that was to process on XX/XX/2020 for {$300.00}. The funds showed available in my Huntington account on XX/XX/2020, and after midnight on the day of XX/XX/2020 I made a transaction reliant on this information that I had an available balance that included those funds. Later on XX/XX/2020 the XXXX transaction completely disappeared from the online account, my available balance was reduced, and my account was overdrawn. 

Customer service explained that this was a " standard '' transaction instead of an instant transaction and that it may take days to process. What was showing in my account was a memo. The funds were not actually available, despite the transaction showing in my account history and in my available funds.
Consumer complaint received 2022-02-15
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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Adjustment Service, Inc. (GA)

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to release their information. when I requested the proof of that document they refused to send it and stopped responding. there is more than one account with this company. 
my last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC (CA)

California Check Cashing store in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i was going to this check cashing store to cash my checks and one day i asked for a print out of the checks that i had cashed and XXXX the supervisor gave me a print out and i looked at the print out and i noticed there where checks and i looked at my edd account because i new i had been missing some edd checks that i never got and the checks that was cashed there i believed where checks from edd so i called up the check cashing store and told them not to cash any more of my checks there because they are stollen checks and the lady XXXX told me they would not cash any checks no more well about two weeks latter i went down to the check cashing store to cash a check and i got another print out and there where more checks on the print out i asked the lady working why are there checks still being cashed under my name and she told me she did not know for me to call the main office so i did and the XXXX XXXX XXXX for me to make a police report and to call her and give her the report number so i did and they would not do nothing i told them they need to please stop cashing checks there under my name and they supervisor had told me that there is a check of mine that bounced there it was a miss understanding the man i was careing for wrote me a check for careing for him and i went an cashed it there and i went and got a letter from the man i was taking care of because the mans nefew was unaware of what was going on so i was told to file this report.
Consumer complaint received 2022-10-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XXXX, I was impacted by COVID-19 and opted to ask for the Covid mortgage relief. The entire time I was on the COVID relief plan the mortgage servicer reported me past due though I was not past due when I entered the relief plan. Beginning in XXXX of XXXX I began contacting my loan servicer. This nightmare took 6 months before they finally told me my loan was modified in XXXX of XXXX, but the nightmare continued with me continuously calling every single day. Though the system did not reflect my modification, by every customer service rep I was told that I had indeed received a modification but it took time for the system to update. I continued making my modification mortgage payments, and in XXXX of XXXX, my loan was transferred to a new servicer even though they never completed the modification in their system. I started call the new Servicer ever single day and they were not able to see any loan details. In XXXX of XXXX, I received a letter from the new servicer that my loan was referred to foreclosure. I immediately called them asking why they had done that as they sent me a letter stating due to RESPA they were not allowed to refer my loan to foreclosure. They apologized and said it was an error and that the system automatically sent the letter but that it was not in foreclosure. At the same time I tried making my payment but they stated they could not accept a payment because they were waiting for my old servicer to send them the updated loan information. I continued calling my new servicer every day until finally in XXXX of XXXX, they emailed documents to me stating that I had to resign the documents dated XX/XX/XXXX and that they would honor the modification. Here it is XXXX and they still have not updated their system with the modification nor have they updated their system with the payments I made, nor have they adjusted their system for when they were not accepting payments from me. I just need some help, Two years of nightmares with these mortgage companies have ruined my credit as they have continued to report me as past due even though my loan was modified. Please help
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

Two credit cards were fraudulently opened in my name without my request on XX/XX/XXXX and XX/XX/XXXX at the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, SC XXXX. One card had a {$2000.00} credit limit and the other {$6700.00} credit limit. The employees at the timeshare presentation took my personal information provided and forged my signature on credit card applications while I was attending a presentation on a timeshare, which I denied. I was neither made aware of any credit card applications or products during this timeshare presentation. All employees involved should be criminally charged.
Consumer complaint received 2021-01-29
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable. I will call my lawyer about this. REMOVE THE FRAUD ACCOUNT ASAP!
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX of 2020, XXXX reported my account thirty days late. I in fact paid my account on XXXX2020 in the amount of XXXX. I called and told them that i was affected by the pandemic and did everything to make the payment on time. 
This account reported thirty days past due when in fact the account was not thirty days past due. I provided documentation to the credit bureaus as well showing them that the payment was made. 
I have never been late making my payments with XXXX.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

I HAVE NEW INFORMATION. On XX/XX/2022, I notified HAYT, HAYT, and Landau, P.L. to cease communication with me and to only notify me the ( consumer ) that they have terminated further efforts or invoked specified remedy. I also demanded that they validate this debt pursuant to the FDCPA. They have not complied ; they have continued attempts to collect this alleged debt without providing validation of the debt. on XX/XX/2022 I received statements, I notified HAYT, HAYT, and Landau, P.L. that a " statement '' is not an " invoice ''. HAYT, HAYT, and Landau, P. L 's non-compliance has violated my federally protected right to assess and validate the debt FYI ( The 139 paged statement file is too large to attach to the complaint as supporting documents ).
Consumer complaint received 2022-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bought out the servicing of my loan in XXXX of 2022. The previously lender gave them proof insurance. Through an escrow account they renewed the insurance. They then claimed they showed 30 days of missing coverage and threatened to buy my insurance. They should of just contacted the insurance company they just renewed with if they didnt have full proof of coverage. What a huge frustration. Why send a threatening letter. Whats the point of an escrow account if they cant seem to keep track of the dates then try to double charge for insurance.
Consumer complaint received 2021-05-07
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 (IL)

As of XX/XX/XXXX PayPal sent me a message saying limitation to my account because of a case on my account which I didn't have any idea of the following weeks I reached out to them to resolve my account and as of today XX/XX/XXXX I received a email from PayPal stating that I no longer have access to my account because of malicious behavior which is ludicrous
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

We received a phone call from ProCollect about an account with a lease term insurance group that deals with our previous apartment 's owner company which is not true because we called the apartments company and they said that we owe nothing and we paid everything 7 months back and now ProCollect is asking us to pay {$120.00} for a broken light on XXXX XXXX2020 after more than 7 months since we left the apartment and sign the release without any debt. Please we need your urgent support regarding this issue. 

Thanks