davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (PA)

On XX/XX/XXXX I called ProCollect to discuss a letter I received that whet to a wrong address. The collector didnt notify me that the call was recorded until after they had my account pulled up. They didnt have me verify any information to prove I was the consumer. They refused to give me a manager. The collector told me that they report on the first of the month after the account has been there for 30 days which would be XX/XX/XXXX. I advised that I would call back and the collector said that I was refusing to pay even though I told her I wasnt refusing. I called back later on XX/XX/XXXX with a 3rd party on the line. The collector again didnt say the call was recorded until the middle of the call. They refused to let me give permission to speak with the 3rd party. They didnt verify I was the correct person again. They also refused to give me a manager on that call and hung up on me. On XX/XX/XXXX an unauthorized 3rd party called them and said he was my husband. They didnt have him verify to make sure he was an authorized party. The collector then told the unauthorized 3rd party that they reported my account as soon as they got it. They refused him a manager. The collector then proceeded to keep talking over him and wouldnt let him ask questions. The collection agency then called me approximately 3 hours later on XX/XX/XXXX after they already talked to someone about my account.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am filing a complaint regarding Shell MasterCard 's handling of my account in relation to returned payments, identity theft, and the subsequent closure of my account. 

1. Timeline of Events - Returned Payments In XX/XX/year>, two auto payments on my Shell MasterCard were returned because an auto-pay setting did not reflect the current balance ; this was not due to missed payments. I have consistently made my payments on time and in full. 

- Fraud Claim : In XX/XX/year>, I reported digital unauthorized charges on my account - Account Closure : Following the report of these fraudulent charges, my Shell MasterCard account was closed in XX/XX/year>, allegedly due to the previously returned payments. 

2. Issues Faced- I have been informed that I can not reapply for a new Shell MasterCard account, despite my solid payment history prior to these events. 
- Upon contacting the Shell MasterCard executive office, I spoke with the person handling my case, who informed me that my account was being closed and made a statement regarding racial discrimination. When I requested to speak to her supervisor, she claimed she didnt have one. 
- After following up with the executive office, I was informed that she did, in fact, have a supervisor and that my case would be assigned to another representative. 

3. Dispute Over Fraudulent Charges - Despite identifying fraudulent charges on my account, I have encountered ongoing billing issues related to these charges, which has further exacerbated my financial distress. 

Consumer Laws Involved - I am aware of my rights under various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I urge Shell MasterCard to comply with these laws when addressing my case. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate my complaint against Shell MasterCard and scrutinize their practices regarding my situation, particularly in relation to account management and the consequences of identity theft.
Consumer complaint received 2018-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I have sent {$360.00} to a PayPal user : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me.
Consumer complaint received 2021-04-30
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)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : THESE NAMES DOMNOT BELONG TO ME Names 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 Addresses THESE ADDRESSES DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, NY XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX # XXXX  XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I used my credit to make a one time purchase with XXXX XXXX XXXX, this amount was authorized and subsequently paid. Three more unauthorized charges was made on the account and two were taken off of the invoice, the third charge was not removed from my account balance. After the first charge of {$120.00}. was initiated I called Chase bank on XX/XX/XXXX to have the charge removed advised them to stop ALL payments the XXXX XXXX XXXX since they were not authorized charges, those three charges were disputed. On checking my account balance and noticed that the charge was still on the statement I called Chase on XX/XX/XXXX @ XXXX and again on XX/XX/XXXX. I spoke with XXXX  who told me that the charge is in dispute and that I should pay the balance of {$69.00}. The original balance was {$180.00} less that disputed amount of {$120.00}. I paid the {$36.00} and the next month the said charge of {$120.00}. still reflected on my statement plus interest charges. I made several calls to Chase customer service and was transferred to the dispute dept. On XX/XX/XXXX I spoke with XXXX who transferred me to XXXX who hung up om me, then XXXX and the XXXX. I could not get any help from anyone and so I asked for a supervisor and that is when XXXX told me that there is nothing he can do for me. I told him that the amount of {$120.00} appeared on my XX/XX/XXXX and I disputed it then and now. I was given no help with this by Chase. I would like this amount returned to me with the interest I paid.
Consumer complaint received 2021-05-10
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: SYNCHRONY FINANCIAL (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My account has been charged off and I have not been able to get in and see how much I owe or even make a payment. Financially we have been struggling for over XXXX years and trying to just pay off our vehicle so we can not be so behind and rebuild our credit. 

I had been working with capital one on a payment plan but when my husband got XXXX  and had been in and out of XXXX  stays, we fell behind and couldnt make those payments. My husband has been without work for XXXX years now and our vehicle is the only way I can get to work and keep our mortgage and utilities on. Our cell phones most of the time are disconnected and I have asked several times to be able to go online and make a payment. They dont allow it, I am hoping to get in touch with them this evening to make a payment and hopefully get on a new payment arrangement to work on getting this paid off. 

My loan was set to mature and be done back in XXXX but due to hardships approved in the past I believe it has put me out some months. Also with being past due. Our intention is to pay the vehicle off I just wish capital one would work with us on a payment plan so that we can do that. They have already been paid back for my loan and more at this point they are just making more money. 

Cost of every thing has gone up, our electricity is almost {$600.00} a month. Its been a struggle but we can not lose our vehicle. Otherwise I will not be able to work and keep our electric on, and roof over our head. 

Please asking for capital one to work with us on a plan.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XXXX my account with USAA was supposed to officially close and the funds in the account mailed to me. I have called repeatedly and have gotten different answers and no resolution. The account is still open with the funds in there that I can not access to pay bills.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report, which contains negative items that are affecting my credit score. Specifically, I would like to dispute the following items : XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX XXXX, which I do not recall authorizing. As I am unsure of the legitimacy of this inquiry, I request that it be immediately removed from my credit report. 

XXXX Inquiry : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX, which I do not remember authorizing. I suspect that this inquiry might be fraudulent, and therefore request that it be removed from my credit report immediately. 

Incorrect Personal Information : I have noticed that my credit report contains an error in my personal information. Specifically, my account number and previous address have been listed incorrectly as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX. I request that this information be corrected as soon as possible. 

I would greatly appreciate your assistance in resolving these issues and improving my credit score. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (SC)

In XX/XX/XXXX I filed XXXX XXXX Bankruptcy and the plan has been court approved. 
For creditor, South State Bank, the Court approved terms are listed as follows : " Unsecured claim '' amount of {$53000.00}, claim to be paid over a 60 month period with 0 % interest, which results in payments of {$890.00} per month. 
My case has been administratively closed and I started making payments to South State Bank according to the court approved plan in XXXX of XXXX. 
All of the payments I've made to date have been cashed but I haven't received any statements from the bank. I called South State Bank 's XXXX number to request statements be sent to me but haven't received any. 
Now the South State Bank 's 1098 mortgage interest statement has the incorrect principal amount of {$230000.00}. This error is causing delays in filing my tax returns with the IRS. 
In addition to this complaint, I will be sending a " Qualified Written Request '' reporting the mistakes and asking the bank to correct them.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Mr. Cooper, formerly known as Nationstar, just notified me today XX/XX/2023 via a USPS mailed letter that they are transferring my mortgage loan to another servicer, effective XX/XX/2023. That currently leaves me with less than 8 days to address this change. 

Mr. Cooper 's letter notes that " the law requires that your present servicer send you this notice at least 15 days before the effective date of transfer ... '' Clearly, that amount of time has not been provided. 

The slow USPS delivery has been public knowledge for several years now and leaving the customer to scramble to address this change with less than the law allowed allotted time is unacceptable.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (SC)

In XX/XX/2018, i took out a loan with Moneylion to help with my credit. My loan payments as well as the membership payments were deducted from my checking account. In XX/XX/2018, my checking account had to be closed due to fraudulent activity. I called Moneylion and reported this and gave them my new accoynt information. My loan payments were coming out of my checking account, however the membership payment did not i attempted to pay online but it would not let me I called Moneylion once again and gave them my checking account infornation again and was assured it was taken care of My loan payments continued to come out of the correct account but membership payments did not So again i tried emailing them i received a message back saying they coukd not locate my account I called yet again and was told that my membership payments were trying to come out the closed account and the customer service representative was very rude and even scolded me. so once again i updated all of my information When my next loan payment came out my membership payment did not. i tried calling again several times. i would sit on hold for 30-45 minutes each time before the call would be dropped. My loan payments continued tocome out of the correct account In XX/XX/XXXX my credit score dropped 61 points only because Moneylion reported my membership payments as late I called again and after being on hold for almost an hour i spoke with a male representative who told me that i wasnt making my payments and then hung up on me I posted to their XXXX page what had happened and was then contacted by a woman who claimed to be a supervisor She apologised and assured me that she would take care of the situation. she also told me to dispute the credit entry with XXXX  i waited for over 2 weeks to see the changes she had promised me on my account nothing was ever done. Mid XX/XX/XXXX my credit score dropped again another 43 points. Again only because of Moneylion. I call again daily for almost a week unable to get through. on XX/XX/XXXX i finally am able to speak with someone. i again updated all of my information. The customer service representative i spoke with apologized and told me that they had messed up and assured me once again that it was all taken care of. i set up for my membership payments to start coming out of my corrEct account on my next payday. He then tokd me to contacT XXXX  and dispute the entry. i disputed the entry with XXXX as well as XXXX. i received notice today that Mobeylion had cobfirmed with them that the entry was correct. So i call them again. The csr this time assured me a supervisor would be calling me right back. Now 3 hours later i am still waiting. i have been trying to resolve this for now going on 6 months. And again my loan payments cobtinue to come out of the correct account and i have never missed a payment.
Consumer complaint received 2023-03-22
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: CORELOGIC INC (NY)

The three reporting agencies : XXXX, XXXX XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via XXXX to the addresses provided by the repositories which are XXXX XXXX XXXX. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization. 
I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.
Consumer complaint received 2018-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK (CA)

Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. 

On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. 

On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (AR)

Freedom mortgage obscures information about the distribution of my escrow payment. It takes calls to two different departments within the company and 1 hour of my time. I can't plan on any adjustments that I may need to make. The escrow distribution information is not available. 

Furthermore they opt me in to sharing my data with affiliates and non-affiliates. I get advertisements constantly from them. This feels very scammy from the company holding my biggest asset.