davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from Equifax because my credit report was 'blocked ' and XXXX  because 'they were not reporting a score '. I called both companies today. Equifax was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. Equifax requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. XXXX  said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact Experian but I don't anticipate that it will be fruitful.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

During a time of separation my wife took out a predatory loan. My wife speaks only XXXX  and went to LoanMe. They told her what the payments were but intentionally hid the high interest rate. She was unable to make the payments so they sued her in XX/XX/2017after saying that she was served at an address we had not lived at for some time. There could not have been service at that address. Now that we are aware of the judgment we have made reasonable offer they refuse to come to a reasonable amount. They took advantage of the language barrier then used the legal system to bully her. I believe AB 539 was recently passed which protects consumers like my wife. I believe LoanMe is in violation of 22302 of the Financial Code as demonstrated in a recent case De la Torre -vs.- Cash Call, Case No. 08-cv-03174-MEJ. The California Supreme Court held this type of loan practices unconscionable under 22302 of the Financial Code.
Consumer complaint received 2019-10-24
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: ClearOne Advantage, LLC (GA)

I have reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system
Consumer complaint received 2019-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DE)

I have a equity loan/2nd mortgage with PNC. My monthly minimum payment is {$290.00} and change and due on the XXXX of the month. I send them {$80.00} a week however, they are not applying The entire payment to the monthly minimum. This has been going on for a few months. This month I have paid {$80.00} on XX/XX/XXXX, {$80.00} on XXXX, {$80.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX. That is a total of {$320.00} yet they say I still owe {$110.00} for the payment that was due XX/XX/XXXX. This has been going on since XXXX or before and I am now receiving collection calls
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Uplift, Inc (TX)

There was a credit adjustment made on my account on XX/XX/2019 according to XXXX, I contacted the department multiple time regarding that adjustment, believing that it should cover 2 payments, I spoke to Uplift multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It wasn't until our conversation in October where I finally received a clear explanation as to what happened through a follow-up call with an employee. She expressed management almost chewed her head off for asking about the adjustment again, stating they had resolved this issue. The problem was that no one actually emailed me back or called me to let me know why there was a difference in payment. Then I realized that the refund they received XX/XX/XXXX was not applied until XX/XX/2019. This caused there system to generate an over 30 day payment delay in my credit report. When I contacted them about removing the late payment, as the adjustment should have applied prior to that, they said there was nothing they could do and the system did not recognize it as a payment. I do not agree with their answer and I am very dissatisfied with the length of time it has taken to resolve the issue that led to this moment.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I opened my best buy credit card back in early XX/XX/XXXX. When opening my credit card, they asked me if i would like to sign up for their " debt protection '' program which I denied. About 2 months into making my first purchase, I realized that I was paying for this " debt protection '' and immediately called the credit card company to remove the fees I was currently being charged. At the time I was a college student and I was hardly making enough to live by, so getting charged {$12.00} a month for a service that I didnt need to use was ridiculous. After calling and speaking to a representative, the rep. said that they are taking my concerns and issues seriously and that they would send me a letter saying whether this was approved for a refund. I never got a refund or a letter. However, I did check my account and I was not getting charged for it anymore till ... XX/XX/XXXX. I had made another purchase only to realize a few years later I had been paying for the " debt protection '' service which I had declined TWICE. I remember even telling the cashier that I will be declining their " debt protection '' service because its insanely expensive and pointless to me. It was about 2-3 years later when I noticed the charges due to my credit card amount not equaling what was calculated. Once again, I called the CC company complaining and they again responded with the same statement " you will get a letter or a refund in the mail ''. NEVER did I see anything in the mail. I was XXXX. I had been a loyal customer to best buy forever and now this is the type of fradualent activities I have to deal with? I paid over {$400.00} in debt protection fees for a job I would never lose since it was family owned. This is ridiculous. The fact that I had also called them multiple times and nothing got handled ... is insane. Something has got to give. I come from a huge family but after tellihng my story none of my family members shop at best buy no more for the fear of the debt protection fraudulent charges by the bank. Something about this needs to be resolved because another lawsuit wouldnt sound too good.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC (NY)

They sent repeated emails claiming to be from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LLC, however the emails I received on XX/XX/XXXX, XX/XX/XXXX failed to disclose the account or why they were contacting me, until I reported the emails back to them as potential spam. 

Since then, they have called excessively, upwards of 7 times a day. They have also started to text my phone number. On XX/XX/19, they texted twice with the repeated message in the span of one hour. They have done this repeatedly for three days straight now. 

I had contacted the Bank to resolve the issue. The texting, phone calls, and emails has become harassing.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. 

On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. 

On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.

The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.

I signed the paperwork to cancel the one contract that they said I could cancel. 

As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. 

Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. 

I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. 

To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PACIFIC WESTERN BANK (CA)

I requested a loan fro Pacific Western Bank for the purpose of getting a loan. 
XXXX XXXX the underwriter asked me to send her a list of documents. 
I submitted the documents and didn't hear back from XXXX for over a month. I sent emails for an update and I called a few times to confirm she got everything she needed and to see why she never responded back if she needs anything else for the loan or if we can move forward. 
When I was finally able to get a hold of her over the phone. She said to me " You people can't be trusted, you look for another Bank to do this loan for you ''. 
This sounded to me as a XXXX comment. denial without even reviewing my file!? 
I requested to speak with XXXX 's manager which she ignored me again and refused to provide me with his contact information. 
I was able to get her manager contact information from a different rep at the bank. 
I spoke with XXXX XXXX XXXX and told him what happened, he said he will investigate and call me back. 
I got an email a few days later which give me a whole new excuse of why they did not move forward with the loan. claimed that my construction company has a lawsuit against it, therefore they will not take the loan. I explained XXXX that we are doing many project a year and as the nature of every busy business, we will have some complaints. However, we are taking care of all complaints and this has nothing to do with the loan since I am being the guarantor. 
At this point XXXX was defending his co worker and he just kept attacking me. 
XXXX XXXX, XXXX is the company I applied the loan for. 
XXXX XXXX, XXXX is one of my construction corporation which has a bank account with pacific western. Before the bank opened the account, they investigated the company to make sure it is in a good standing and their will be no issue to open the account. 
If Pacific bank felt that there is something wrong with the business standing, they wouldn't have opened an account for my business. They even asked for references before they agreed to open an account for XXXX XXXX. 

I can provide proof of emails in case you need it.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IN)

We went through the PMI removal process in XXXX of XXXX, while our mortgage was still with XXXX XXXX XXXX. It was approved, effective XX/XX/year>. When Newrez took over, our PMI had been removed, and was removed for 4 months..until they decided to put the PMI back on, without telling us. I got a letter that our escrow is short, and noticed they have been taking out PMI on us for 13 months. They conveniently dont have the documentation that it was approved for PMI removal, but they did have a copy of my check to do the process. Lucky for us, we do have documentation that it was approved, the check, AND the fact that it was already removed should have been proof enough that it had been approved by XXXX. They owe us over {$1400.00}.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (FL)

I opened a new Discover Credit Card account in the spring of 2019 because of their Cashback Match promotion.I have asked several times to have my limit increased, but they have limited my credit allowance to $4,700, while the card in my husband's name has a limit of $XXXX. This seems to be SEXUAL DISCRIMINATION. I have a FICO score of XXXX, as does he. There is no justifiable reason for the difference in credit limit.My husband & I have had joint credit card accounts with Discover for at least 20 years. We also have a joint Discover Savings & Checking accounts with $32,000+ balance, and own 2 homes and 3 cars with no mortgages or any kind of loan. We pay our bills in full, on time every month.We should be treated like valuable customers, but at this point, we are not being treated that way.
Consumer complaint received 2019-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

PayPal has put a limitation on my account, both my personal and business account. They requested information on my XXXX I submitted the information tried to transfer it to my debit card that i just used a couple of days prior. Then they blocked it again. This account has XXXX $ on it. Then my renters paid me through XXXX and that sent the money straight to my pay pal account for personal uses its XXXX. It has {$1500.00}. They will not release it either. I have submitted all documents and everyday they say it is going to be 24 hours. This has been going on since XX/XX/XXXX. This is crazy and ridiculous. I have called everyday and nothing has changed. They need to be penalized for this. I use the rental money to pay rent at my new place and I am about to be evicted.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Conn 's Home Plus Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the Conn 's web site. This is also being reported incorrectly to XXXX   and XXXX.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid 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: PNC Bank N.A. (NJ)

On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. 

In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. 

After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. 

I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have XXXX XXXX XXXX XXXX XXXX and never had a school loans and department store credi i use XXXX XXXX XXXX  XXXX stolen my records social security number and XXXX XXXX they ping my phone and I want it to stop I have people tap my phone