davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION (MA)

Completed a mortgage modification on XX/XX/2023 with M & T bank. Payment was correct for first three payments. Mortgage payment has fluctuated on every payment since. Loan balance has gone up and down from month to month. Bank has stated we have been late on several payments even though we direct wire funds from our primary bank to pay the mortgage every month. They have tacked on bogus fees for unknown reasons. We have spoke with the bank representative holding the mortgage, ( XXXX XXXX XXXX ) who informs us the error is on M & T banks end due to a merge with another bank that occurred earlier in the year. Has been saying for 11 months the back office is sorting out the mistake and would be resolved. Also stated we would receive a letter from M & T bank stating we have never missed a payment and it would not affect our credit. Still to this date, no letter has been received and the mortgage balance and payment are completely incorrect, even though every month M & T states this will be the month they resolve the issue. Balance has changed by nearly a XXXX dollars. We keep meticulous records and have all mortgage payments made, and texts and emails from bank stating the error is their fault. Again it has been almost an entire year with no results.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have requested transunion and XXXX to make a full investigation on the bankruptcy they are reporting ( Reference number XXXX XXXX  XXXX ) and to tell me who's the source they are using to gather this information. These 2 credit bureaus are the only ones reporting this information on my credit report. I have tried numerous times to get this information from them and they take forever to not give me this information and I believe that is because they don't want to remove this bankruptcy from my credit report if needed. At this point I feel discrimination against my person. This is mentally disturbing for these people to do whatever they want with people 's lives.
Consumer complaint received 2021-03-01
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XX/XX/XXXX, I got a credit report that owe {$120.00} for an insurance premium form XXXX XXXX. I never had XXXX and never owned them. I called to verify the information. I was told they cant do anything. i initially called the debt collectors and they told me to call XXXX. 

I called XXXX and they told me that i live at XXXX XXXX XXXX XXXX, XXXX, PA and i owe them and they cancel my insurance on XX/XX/XXXX and i failed to pay them the balance. 

I told them that that's not me and I don't owe them anything. they did not believe me and said there is nothing i can do. 
I decided to dispute the debt as it brought my credit down by XXXX points.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

I am submitting a complaint against my current mortgage servicer, Freedom Mortgage. I originated and closed a loan with XXXX XXXX  on XX/XX/2023. My loan was then transferred to Freedom Mortgage on XX/XX/2023. 


I had received a tax bill in the mail and had reached out to XXXXXXXX XXXX regarding this as we have an escrow account within our mortgage to have taxes and insurance paid out by the mortgage company. I also provided my most current mortgage statement to them, and after further looking into the statement, it shows that Freedom Mortgage was only collecting for Insurance and not taxes. 



After looking at our Closing paperwork, myself, and a representative from XXXX XXXX reached out to Freedom Mortgage to see as to why they are not collecting for Taxes. Freedom admitted that it was a servicing error on their end that taxes were removed from escrow. Freedom did not have an answer as to why they had removed taxes from the escrow account. Freedom will now start to escrow for taxes for the future and have the current tax bill be paid out of my escrow. However, Freedom confirmed that an escrow analysis will be ran next year in XXXX and because I was paying a lower amount into escrow, I will now have a shortage in my escrow account, which will impact my payment and increase it.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

So back in XXXXXXXX XXXX XXXXXXXX I had accidentally made a double payment for {$500.00}. I called XXXX and asked how do I go about them reversing this. The representative I spoke to had told me that there is no way possible on their end to reverse the charge. However she stated that. Should call my financial Institution where the money was coming from ( XXXX XXXX XXXX XXXX ) and have them do a stop payment and stop the charges from going in and once that was done and I got the money back to just go back in to the SDCCU app and make the payment. I asked her to ask her supervisor would there be any fees or inconvenience I would run into if I were to do this. She then proceeded to ask her supervisor and came back on the phone and said no that I should be fine. When I went back in to the app a couple days later to make the payment as she told me I would be able to do my online payment features were disable & I was instructed to call XXXX. I proceeded to call and they said that my online features were XXXX for having the transactions reversed. I then asked for a manager/supervisor to give me a call. Someone from management gave me a call a couple business days later and I explained the situation to them and she then told me for now the only way I could make a payment was through my financial institutions bill pay ( XXXX XXXX XXXX XXXX ). She said she would investigate and get back to me. She got back to me and told me that my online features were disable for a year until XXXX of XXXX. So I will have to continue using bill pay or going into a XXXX branch location to make the payment. I stated that going to a branch location would be impossible as I had moved out of state, so bill pay it is. Fast forward to XXXX of XXXX and my online features still hasnt been reactivated and I am being charged a {$25.00} fee every month I make a payment because I make the payment on the XXXX of everything month through my financial institution ( XXXX XXXX XXXX XXXX ) however since they have to electronically send a check or physically mail out a check SDCCU. SDCCU doesnt receive the check on time. I as the consumer am having to pay the extra money and fees all because a representative and their supervisor made a mistake. I cant control the United States postal service delivery time nor can I control when my credit union procresses and mails out the checks. I am asking for these fees to be reversed and my online account services be reinstated.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MS)

I applied for a credit card with TJX ( TJMaxx/Homegoods/etc ) on or about XXXX XXXX XXXX, online. The solicitation at the application offered me a 10 % off coupon to use on my first purchase. This is the reason I applied for the card, and with intent of making a large purchase at Home Goods in the coming days with the card. 

The card arrived XXXX  and I have activated it. The store did not, however, provide a 10 % off coupon to me with the delivery of the card. I've checked a total of 4 emails they sent about my approval and card shipping from both TJX and Synchrony Bank and do not find a coupon in any of these communications. I've synced my card with the Home Goods app and also do not find a coupon or reward their for 10 % off either. 

I called customer service for TJX and explained that I applied online and have not received a coupon. Her advice was that I should sign up for paperless billing and that will earn me 10 % coupon. That was not part of the solicitation. She texted me a link to the online site where she says I will receive a 10 % off coupon for signing up for paperless billing. I don't want to sign up for paperless billing. 

Promotions offered in the course of soliciting credit should be honored, and access to it should not require strenuous effort from the consumer to obtain. The absence to deliver the promotion to the customer either via email or with the credit card for online applicants is inconspicuous and exactly what XXXX seeks to regulate in consumer credit marketing. 

Perhaps TJX should include the coupons in the email or mail communications to the customer, cease accepting online applications for credit, or cease offering 10 % off the first purchase to online credit applicants, as they no longer particpate in e-commerce of goods for sale online.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (IL)

I received a notice on my phone that my account had been closed and an email stating I had violated terms and conditions, but did not say what term and/or condition I had voilated. 

I contacted customer service, whom then stated to just read the terms and i'd figure out what I did wrong. They can not provide an answer as to why the account was closed, and refuse to do so.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Branch Manager XXXX XXXX of Wells Fargo at XXXX XXXX XXXX in XXXX, California is breaching customer account confidentiality by divulging private account information to multiple people in the community. This has been brought to my attention by several people to whom XXXX has spoken with regarding my accounts with Wells Fargo. XXXX is personally retaliating against me as a customer and attempting to defame and/or sabotage my company 's reputation because her son was fired from my company.
Consumer complaint received 2023-11-30
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. (NY)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 
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 Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello, We previously had a credit card with Capital One in my wife 's name, 'XXXX   '. We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX offering a settlement on behalf of Capital One for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either XXXX XXXX XXXX or Capital One since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXX XXXX XXXX on behalf of Capital One ( File # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from XXXX XXXX XXXX XXXX or Capital One. 

XXXX we tried to call Capital One, but was routed to XXXX XXXX XXXX XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to Capital One right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by Capital One. Thank you.
Consumer complaint received 2023-11-29
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 have hard inquiries on my credit report that I did not authorize. On XXXX there is XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 and on TransUnion there is XXXX XXXXXX/XX/2023, XXXX XX/XX/2023. I have notified both agencies and nothing has been done about this.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX and Transunion continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXX Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} TD Bank/Target is reporting XXXX XXXX XXXX XXXX off {$1300.00} when they only wrote off {$800.00} FINGERHUT is reporting they wrote off XXXX {$4000.00} when they only wrote off XXXX Synchrony Bank/Verizon Visa is reporting they XXXX XXXX {$3300.00} XXXX they only wrong off under {$1700.00} XXXX Bank is reporting they wrote off {$4400.00} XXXX they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. XXXX XXXX, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.