davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (PA)

I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the XXXX business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.
Consumer complaint received 2019-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

To whom this may concern, I had paid off my remaining balance online of {$1800.00} on XX/XX/19. Fifth Third Bank failed to notify me regarding a balance {$5.00}, so for the past 5 months they have been reporting late payments to the 3 credit agencies ( XXXX, XXXX  and XXXX ). There was no way for me to know there was a {$5.00} balance, had I known I would have no problem paying them. As a matter of fact I have never failed to pay them, always on time and even more then the minimum payment because I wanted to finish paying off my car so I can purchase the house of my dreams. The only reason I knew about this issue was because I applied for a house loan recently and it shows in my credit report the late payments. So I immediately called Fifth Third Bank and paid off the remaining {$5.00}. In the meantime my home loan application has been denied due to the late payments that Fifth Third Bank failed to notifying me. Not a single call or letter. I believe this is very unjust because if they have the obligation to notify the credit agencies they should also notify me regarding any remaining balance. Again all I want is for Fifth Third Bank to remove the late payments they made against me. I have already file disputes under the 3 credit agencies, however nothing has been resolved. I called again directly with Fifth Third bank and inclusive spoke with their supervisor XXXX ( I  have her employee ID ) on XX/XX/19. She stated there is nothing to do, due to the fact that the account is close since XX/XX/2019 and that they are not responsible for notifying us regarding any unpaid balance.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Citibank is trying to charge me fees on an account that is completely paid off and closed. 

I received an email on XX/XX/XXXX saying that my account was overdue by 3 days. My statement was only overdue because I ever received an XXXX statement from them. I pay statements the day that I receive them. 

So, I immediately called customer service. I explained that I never received a statement and thats why the payment was 3 days late. At that time, there were two outstanding charges. I paid both of those charges at that time. The representative told me that there was NO LATE FEE assessed at that time. So, at that time, I completely paid off the credit card by paying those two charges.

The next week, I received a statement in the mail with a late charge and also one of the charges was on the bill, a charge that I had already paid. 

I immediately called customer service. I told them that I had already paid all charges and that I was told there was no late fee. At that time, I closed the account and told them they would not receive any further payment from me, because I had already paid all charges and was told there was no late fee. 

Then, I received another email, saying that my account was overdue! And, looking at the account statement online, they were charging me not only for the amounts I had already paid off, but also a second late fee charge. The amount in question is {$47.00} and I have the bank statement showing that I paid that off. 

I called again and was told that the late fees are there because I still owed for a payment from XXXX. But, again, I had already paid off the card. And, I have the bank statements to prove it. 

So, in essence, they keep ignoring the fact that I had paid off all that I owed ( and have the proof to show that ) and keep charging me fees. 

And, I have had many credit cards in my lifetime and NOT ONE of them ever charged a late fee if I was in error and was late on a payment by a few days. Every single credit card company I have dealt with, except for Citibank, has waived the fee on a first offense. Also, as I stated, I was told that I was not given a late fee in the first place, then they went ahead and did it anyway.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My chapter XXXX bankruptcy has been discharged without any areas in XXXX XXXX, XXXX. Since then, I have made all my monthly mortgage payment on time. But my loan servicing company started to refuse my XX/XX/XXXX mortgage payment. The reason is they asked me to pay additional 3 months mortgage payment behinds, which were not existing. I sent them all my payments history and evidence to them but they couldnt give any response and answer. Today I just received my XX/XX/XXXX mortgage payment check back for the same reason. What can I do at this point?
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TN)

I was selling pre own watch on XXXX XXXX. Buyer offer zelle through their business buyer account. But I got the email from zelle ( could be fake ) to inform me to sent XXXX to upgrade my limit zelle. I sent it and got the fake email that sent another XXXX to buyer for them to release fund. I look at the email and call zell support but I did not believe the person on the phone. He told me sent money to while he on the phone
Consumer complaint received 2021-08-22
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. (FL)

I have explained that these are unauthorized credit inquries on my credit report and they have been placed on my credit fraudulently. I have attched requested documentation again to have this information deleted from my credit report.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

I sent {$1800.00} western union to a friend after I sent it I received an email from western union that they needed me to call to varify information. 
When I called the began to interrogate me and ask personal questions about my relationship with my friend exactly why am I sending this money, when I last seen him in person why I didnt give him the money then how long I know him feeling violated I did not answer the questions to there liking the cancelled the western union and have not yet refunded me my money I was told I 24 hours. 
I feel my rights were violated by this phone call and would like to put a complaint against this type of harassment.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Wakefield and Associates has violated my HIPPA rights numerous times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.
Consumer complaint received 2021-08-09
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. (MD)

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  Experian XXXX  Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was scammed about an internship opportunity. The company offered me an internship position that required certain materials to be purchased. They sent me a check through email which I printed and deposited. There was a hold on the check but the hold was removed afterwards and the money was awarded to my account. I used the XXXX XXXX option to pay the company to ship out the materials, knowing the money was available to me in my account from the check. The check was then returned by Chase because they were not able to locate the account and the money was taken away from my account. I was left with giving away the money I thought I was reimbursed for to the scammer. Chase did not refund me the money I lost to the scammer.
Consumer complaint received 2022-10-18
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (AZ)

On XX/XX/2021 I initiated an order via Affirm with the merchant Visible. The payment was processed and was received on XX/XX/2021. 

On XX/XX/2021 I initiated a return with the merchant due to the product not being as described ( I was sent the wrong model ) and made a return with the prepaid label the merchant provided ( attached below ) on XX/XX/2021. After speaking with the merchant over the next few days, I was informed it would take up to 21 days, I was informed on XX/XX/2021 by the merchant that the carrier confirmed they lost my return package and a police report should be filed, after filing a a police report on XX/XX/2021 with the XXXX Police Department, I was then informed by the merchant on XX/XX/2021 that they decided to deny my refund request. I explained I had no fault as I returned the package using their prepaid label. 


I then reach out to affirm to complaint over the span of the next few weeks regarding the carelessness of the merchant and how they were basically stealing my money as I provided proof that I no longer had the order in my possession as I returned it, effectively forcing me to pay for a product/service that was not as described, as in this case the phone was damaged which is why I initiated the return. 

Below you will find Affirms practices as a payment facilitator for their partner bank, XXXX XXXXXXXX XXXX, did not meet the standards expected of a financial institution. XXXX refused to initiate an investigation on their end, even though the merchant committed fraud by not returning my money for a product I returned and subsequently filed a claim and was paid out by the carrier for the insurance on the return. In this case, affirm is not just a facilitator of payments, they are a financial institution that provided me with an installment loan and they refuse to help me even though the merchant is committing abuse and possibly fraud.
Consumer complaint received 2022-03-08
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. (FL)

I have Hard inquiries on my report that i did Not authorize at all! 

XXXX - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 Equifax XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

JP Morgan Chase refused to accept foreign currency as a deposit. I sold a car in XXXX and brought cash in XXXX XXXX ( XXXX  ) currency home. I wanted to make a deposit to my checking account but bank teller refused to accept the deposit telling me they don't accept XXXXXXXX XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries XXXX XX/XX/2021 XXXX, XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (IN)

I was contacted by XXXX XXXX from XXXX XXXX via the phone a year a ago just a few months after graduating from college. The company was going to help me reduce federal student loans payment. I am still struggling to pay back my student loan since I am currently an XXXX  XXXX member doing my year of service. I unfortunately believe them and now I have more loans to pay instead of helping me they are adding more problems. XXXX wanted me to sign the contract immediately and pay {$49.00} a month for the service charge to Equitable Acceptance Corporations. However. I recently, I realized that I could do it through them in order to keep my loan payment at XXXX since I dont have enough money to pay for loans. They have been scamming people. They give false information. What XXXX XXXX said on the phone is very different to the contract and the contract were signed on the phone. After reviewing my credit report I notice that the service is a line of credit and not a loan. I am very disappointed that these people have taken advantage of my current situation and used it for their win. I have been paying them for nothing. Please do something about this company. They are criminals who enjoying seeing people suffer.
Consumer complaint received 2022-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IA)

Failures by Planet Home Lending Planet Home lending failed to provide me with easy access to paying off my mortgage loan as a consumer and a veteran. They have failed to fix this after 4 separate phone calls, and over one month of back and forth. I will be on my fifth attempt to correct tomorrow. 

The issue is failure to provide me with there form for bi-weekly payment processing. I have now received the same bi-weekly form letter, stating fill out the form to setup by weekly payments and providing me with legal notices, of information. However, each time the form letter leaves out the bi-weekly payment form or a return envelope. I have requested they fix, the website, and provide me the form each of the above four phone calls. I will be requesting this be fixed the 5th time tomorrow. 

They seem to be intentionally not posting the form online, or allowing it to be processed and legal rights validated, there login account. This allows them to then say, we can send it and then they seem to intentionally leave the form and return envelope out of the letter provided. I am sure this benefits them several ways, one they are pretending to comply with the law. Second benefit it reduces early mortgage pay-offs, by making it difficult to setup automated extra payment. Third benefit is they reduce there wire fees to zero or in half per borrower, depending on existing payment delivery method, for existing borrower. They failed to realize when someone like myself repeatedly requests the same information by phone and mail, and receives the same result, they are creating a pattern of abuse of consumer rights.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 


Company : name 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 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.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX DOBXX/XX/XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-09-02
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: WELLS FARGO & COMPANY (TN)

I recently noticed an inquiry on my credit profile from Wells Fargo Dealer. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Consumer complaint received 2021-11-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MA)

My boyfriend was laid off due to COVID in XXXX of XXXX. He had been helping me pay my bills including my mortgage. Thus, I was unable to keep up the mortgage payments. I am on SSDI and thats the only money I receive. My mortgage was $ XXXX and I only get $ XXXX. I had had a private disability insurance that ended in XXXX of XXXX. That would normally help to pay my mortgage. But, without my boyfriends help, things went downhill fast! And I had to pay for his bills as well, because he didnt get his unemployment money until XXXX of XXXX and he promptly left me and gave me no money! 
I qualified for a forbearance program, which I had for 18 months. 
I also applied for the loan modification program, starting in XXXX or XXXX of this year. That was such a stressful time! I sent all the required paperwork in. They told me many times that they didnt have it all! Then I would speak with several people who told me they had all the paperwork ( which I knew I had sent! ). 
They had me in tears many times! I FINALLY spoke with someone named XXXX on XX/XX/XXXX and she said my application was complete- it just took a couple of months! ( Which to me was ridiculous and depressing! ). 
In a letter dated XXXX XX/XX/XXXX, I was approved for the trial plan of the modification. I was able to pay the XX/XX/XXXX payment with my sisters help. 
In the meantime, as a retired, XXXX XXXX, I applied for a grant with XXXX XXXX  and I was approved! I received a check made out to Flagstar for 6 months of mortgage payments! I was so excited that I would be able to pay them that money! 
Then, when I spoke with XXXX, employee number XXXX on XX/XX/XXXX, he informed me I couldnt use the check for my trial period! If my sister can help with my trial period, why cant XXXX XXXX? He said he would check with underwriting and call me on Monday, which of course, did not happen! 
I called them and spoke with XXXX who informed me they absolutely would not take the money from XXXX XXXX for XXXX and XX/XX/XXXX! I just dont understand why they wouldnt accept the money ( when do banks EVER do that?! 
I read your article from XXXX of XXXX about some of these very subjects! So theyre either at it again or never stopped even after the reparations they had to make! 
Thank you so very much for your consideration in this matter!