davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
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: General Motors Financial Company, Inc. (MI)

i have never been late on any accounts. i have set up auto pay since the beginning of the lease. Gm financial was completely not reporting the month of XX/XX/XXXX, marked XXXX, XXXX XXXX XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XXXX, XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OH)

I have been receiving letters from XXXX XXXX for a couple years. I wrote to them and disputed the initial invoice stating I didn't sign for an XXXX XXXX card. I advised them to send signatures where someone signed so I could see who opened the account in my name. I advised in writing to XXXX XXXX that I didn't owe this debt, stop harassing me with letters and calls to me or other people that may know me. The XXXX XXXX Account I had with them more than 20 years ago I closed paid in full. 

My credit is ruined by fraudulent activity credit cards that I never opened or approved to be opened in my name. I may be a victim of someone stealing my identity. All the sudden out of no where in XX/XX/2019 Radius Global Solutions LLC is calling me multiple times a day collecting this debt. Calling relatives or people who may know me asking personal information. They are calling my home leaving several messages in a day and still repeat calling attempting to collect a debt that I don't owe. It appears that XXXX XXXX Sold the fraudulent account to Radius Global. This collection company is not practicing within the bounds of the FDCPA and is harassing me and people I know.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing regarding a collection account dated XX/XX/XXXX ( capital one account ) being handled by XXXX XXXX. I have disputed this account since approximately XX/XX/XXXX without any documentation from XXXX XXXX concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the XXXX credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date XXXX has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (IL)

XX/XX/2021 - Gemini account frozen, no prior warning or notification. Discovered upon login. 

XX/XX/2021 - Submitted support ticket requesting assistance. 

XX/XX/2021 - Received boilerplate response. Issue forwarded to different department. 

XX/XX/2021 - Received request for identification photos. 
-- -NOTE : Request specifically stated " reply to this thread once this is complete as I will escalate your case for expedited service. '' XX/XX/2021 - Submitted requested info. 

XX/XX/2021 - No response
Consumer complaint received 2019-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

3 years ago my loans were in default, I paid this shady company XXXX XXXX XXXX who said they were an arm of XXXX, I paid them {$600.00} for " filing fees '' then they submitted a payment plan revision to Navient, I think they skewed my family size and my earnings so that my REPAYE plan was like {$21.00} a month. Well two years went by and I figured I could re certify with Navient via XXXX XXXX   XXXX,, you re certify by linking you 1040 IRS form to them and telling your family size, In my case I have a family of dependents my kids ( 3 ) and I am single Head of Household with I make XXXX, I pay mortgage, insurance, car payment, utilities, food, clothes, my youngest child 's tuition {$950.00}, homeowners insurance, etc my payment was {$180.00} a month to navient NOW I re certify and and send them and suddenly I am at {$420.00} a month! I CANT AFFORD THIS. they say its discretionary income that is unfair! I called and spoke to an agent XXXX and she told me we dont take into daily living expenses, I said what about a consolidation? she said yes you can and payment would be {$360.00} but extend the terms for 25 years and at the end I would pay {$95000.00} on XXXX of loans! that is a LOAN SHARK.So then I said what if i dont pay it she said we would keep your potential federal loan return, and we would report on your 3 credit bureaus your default and it could lower your credit by 50 points! I am appalled at the scare tactics that they are using, I said how is this possible you DONT take into consideration your living expenses?? I have no choices now I work as much as possible already I live quite lean for having 3 children to support. This is UNACCEPTABLE and we are stuck the fed govt sets the rate of interest on these loans and the repayment plans are a joke. Navient is NOT the Govt or an entity they are a private party managing govt loans
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

I have a morgage with Mr.Copper in XXXX of XXXX my husband XXXX from the XXXX. I then called Mr.Copper to ask for a forbearance they put me on it. I couldent make my payments for XXXX and XXXX. I then started to give them payments on XXXX and ask them to take me of the forbearance. They then said the would and started to send me paper work on how I would be able and that meant to put my payments on to the end of my mortgage and take a HUD adjustment I called them and told them I was not interested to do. They then told me that I was behind XXXX through XXXX. and had acured now interest on my payments cause I did not give my hole monthly payments. I started to give XXXX in XXXX and XXXX. in XXXX I called and finally I seen the amount I was to give of XXXX and I did. I was told then that if I gave XXXX for 3 months I would be ok. They said also that I was behind only XXXX. Today and I was left still on the forberance and gave my payment of XXXX that they said to give XX/XX/XXXX. they told me also that I didnt have to give payment cause it would do no good. But I did and told them I was told last time to do so and this would make me get back on track they then said it would not benefit me in anyway. I would really like to find out what is really going on cause this to much and for them to get me off the forberance that I have told many times to do and havent still and wish for them to show what is really my monthly payment and let me get back on track.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2019 I received a message to call a certain number about a court summons to collect a debt. I called and got transferred to XXXX. He stated that they have been sending me the summons through the mail and as to why I haven't responded. I stated that I have not received anything. I asked him to tell what the documents said and resend them. He said he couldn't send them again. He told me the amount that was owed and he can try to give me a payment plan. I didn't have my account information so I would call tomorrow. I called again on XX/XX/2019. Spoke with XXXX again and I told him I wanted more information on the debt and the original creditor. I asked him if he was a lawyer/ law firm or if they were a collection agency. He said he was a paralegal. Last night I went home and looked up the FTC. SO I told him that. That's when he got very stand offish with me. He said he was under the impression that I wanted to do the payment plan. I told him I just want more information on the original creditor. He raised his voice and said well now our office is hesitant to do business with you since it sounds like you are hesitant to do business with us. We will continue the legal proceedings so good luck with that. He then just hung up on me. I called back and I got transferred to him but he did not pick up and sent me straight to voicemail.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (FL)

I keep receiving calls from the office of XXXX and XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

Dear Sir or Ma'am, COVID-19 Impact have extended benefits particular to several financial institutions specifically for mortgages. In my family 's case, our mortgagee, TIAA is offering an 120-Day Forbearance period of the monthly payments however, the four-month skip payment arrangement is very concerning especially when the borrower is required to pay the entire four-month balance at the end of the forbearance period. My family would be required to pay nearly $ 9k of which is very unrealistic, in our time of this financial and pandemic crisis. Simply put, this is NOT  a feasible task for the majority of homeowners, like my family. 

We are using these monthly payments to support home expenses such as electrical, heat, water, food, and other necessary needs due to our family 's income shortage. We need to live through this pandemic Carefully speaking for millions of American homeowners, the mortgage companies should seriously consider moving the payments to the end of the loan, so homeowners such as my family can rest easy knowing that a monthly payment isn't required at the end of the Forbearance period, otherwise, there will be several foreclosures and a repeat of the mortgage crisis of 2008. 

Therefore, I respectfully and cordially request that TIAA reconsider their Forbearance policy and allow their borrowers the monthly payments to be moved to the end of the loan. This isn't a time for negotiations. This is as American 's supporting one another in the fight for our future and livelihood. We need help, and TIAA should be a part of the solution, not problem. 

Respectfully, The XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2020-04-27
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: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC continues to report that I owe them money for 2 accounts that I never had. I have sent letters of validation and they have yet to prove any validation for these debts. The dates these letters were sent, XX/XX/XXXX and XX/XX/XXXX 

I have disputed with the collection agency, as well as the credit bureaus. The credit bureaus are not doing their job, they are just allowing collection companies to say that these debts are validated and verified with no proof. 

These are the same credit bureaus that have compromised my personal information by selling it to people or not having an adequate security system to protect my information. The credit bureaus have already agreed that my information has been compromised, but still allows collection companies to report that I owe them money on bogus accounts. 

LVNV FUNDING LLC is in violation of my rights, because they are reporting and updating on a debt that they can not validate is even my debt. They also have called my phone numerous times after being told to stop calling and they have called before XXXX and after XXXX at times. 

They are also selling this bogus debt to other companies and they are harrassing me now. Then when I call the companies to verify and validate this information, they say that LVNV FUNDING LLC has taken the account back. 

Also, I am disputing the original debtors as well because I did not open the accounts and they have it showing as a charge off. 

The balances on these accounts are {$1100.00} and {$1000.00} last update was XX/XX/XXXX.
Consumer complaint received 2022-10-21
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 (WA)

XXXX days ago I requested my PAYPAL.COM account to be deleted and all data removed, as the account has repeatedly been compromised with access to my bank accounts opened to unauthorized persons over the Internet. 

Initially I could not close the account myself because of a linked PAYPAL CREDIT account. Now that linked account is deactivated but the company still will not deactivate the account and remove all data. I have used all available support and service channels to make this request and they continue to delay and respond saying the problem will be re-escalated and investigated again. I don't need any further investigation and have made it clear on several occasions that I just want the account deleted along with all associated data. 

I previously unlinked all financial institution accounts but I continue to receive messages indicating that someone has accessed the account or tried to reactivate it with my email address.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (IL)

On XX/XX/XXXX in the evening I could not access online banking to make any online bank transfers. The online digital bank access was down for site maintenance until XXXX XXXX. As result, I was charged a substantial overdraft fee {$100.00}. The bank representative claimed there were no alerts to show site down but on my side, it was clearly down no access to digital banking. They were not willing to investigate with XXXX and not willing to reverse these fees as it is not my fault they elected to do system maintenance for over 5 hours leaving me the consumer crippled to conduct banking. First-Citizens Bank is not very consumer-friendly.
Consumer complaint received 2019-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted the FTC and my local police and I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you
Consumer complaint received 2020-04-27
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 Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

For the past two years I have been attempting to have my credit information corrected on Equifax, XXXX and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either.

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (IN)

Reference : XXXX previous complaint against PNC Bank I just received notification that PNC Bank needs more time to investigate this complaint. 
As I stated before, no warning was given, and I had less than 30 days, after receiving numerous letters concerning closures of all my accounts. I don't accept PNC 's delay of needing mire time to resolve the problem. 

Update : Item 1 ) My Fico Scores with PNC were kept very low of {$800.00} for several months, while I had outstanding accounts and no late payments. While another Bank, where I only had a Credit Card, its Fico Score was XXXX. 

Item 2 ) I was not offered Disputes several times. Item 2a ) P
NC 's Executive Office interfered, trying to cancel my Credit Card and mail me a new one within 5 ( five days ). Since pending purchases, I didn't accept their offer, but took care of the dispute myself within 2 ( two ) hours.

Item 2b ) XXXX XXXX debited my Credit Account by mistake, however, deleted the charge a couple of hours later. Informed a Ms. XXXX about the error, however, she told me that the " merchant had been paid '', and the " charge '' was obviously passed on as as the charge. 
Item 2c ) I also made Ms.XXXX aware of a mistake in her letter, and I was assured that a corrected letter was to be sent to me. As today, XX/XX/XXXX, I never received this promised and corrected letter. 

New Item of complaint : Item 3 ) I have been unable to log on to PNC Bank lately, trying to retrieve payments made and being considered as deductions for Income Tax purposes, which I would require to file at the beginning of XXXX for the current year of XXXX. 

Summary : PNC Bank failed numerous times by making mistakes and shortcomings, which I have given its Customer Service including its Corporate Office, and I felt very offended, the way I had been treated with the " thanks for your help '' and closing all of accounts in good standing. 
Giving me the less than 30 days I had ( due to the postal delivery ), I do expect PNC not to give them more time ( 60 days ) to complete its 'investigation ''. 

submitted by XXXX XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

For the past two years I have been attempting to have my credit information corrected on XXXX, XXXX  and Experian. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Consumer complaint received 2019-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

I owe approximately 75k to American Education Services, I believe part of PHEAA. I've been told repeatedly that I have no repayment options left except to pay the full amount each month. I can't!!! But, I WANT TO PAY. I just need better terms. I'm an XXXX XXXX XXXX veteran, and maintaining a job is hard enough. If they will default me anyway because I can't pay what they require, why should I at all? May as well keep that money for rent, utilities, etc.