davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Loancare LLC purchased my loan from XXXX XXXX under the same terms, our monthly mortgage payment was {$770.00}. This month it has gone to {$940.00} when I called to find out what was going on I was told taxes in my county had gone up, our payments for two months would be {$940.00} then {$870.00} every month. Raising our payments $ 1300 yearly. I contacted our county regarding this ; our taxes in this county have not gone up for over a year and it certainly wouldn't make it XXXX more a year. I called Loancare and asked to speak with a supervisor XXXX told me the same story until I told him I had contacted the auditor and this was untrue ; then it became and " estimation '' of what taxes we could pay in the future but we would have to pay now. When I declined we are not paying for an estimation we are not using it became we owe " back taxes '' they weren't pulling out our taxes and now we needed to pay that. When I asked what happened to the money we were paying the taxes with they " needed more ' even thought they were never raised. I tried to make a payment in the amount of {$770.00} until this was sorted out is not able to online or automated payment phone system requires the full amount. I tried to pay over the phone with an agent was told they don't accept partial payments and there is a {$15.00} dollar over the phone fee plus now a {$10.00} late fee making our payment {$980.00} due now. They have no basis for this increase and every story they have given me is untrue now my mortgage is going to be late.
Consumer complaint received 2024-10-15
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (DE)

The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.
Consumer complaint received 2016-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc. (VA)

On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.
Consumer complaint received 2016-03-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (IA)

PayPal has a major flaw in their system that they refuse to address. They keep blaming the consumer and its costing people hundreds of dollars. 
I have XXXX bank accounts listed on my PayPal account. The first account we will call " Default Account ''. 
I authorized a transaction but I wanted to pay out of my new account, we will call it " Account XXXX '' for now. I selected " Account XXXX '' at checkout. The screen said " Your payment type has been changed '' indicating that I was now paying out of " Account XXXX '' instead of the " Default Account. '' A day later I noticed that PayPal had instead withdrawn money out of my " Default Account. '' I was upset because this cause the " Default Account '' to overdraft, resulting in a {$32.00} NSF fee. At this time I took no action because I had no proof that PayPal had made the error. I wondered if maybe I was mistaken and had forgotten to update the account settings, although that seemed unlikely. I let it go. 
A couple days later I tried to do the same thing. I made a purchase and chose " Account XXXX ''. The checkout screen gave a message that I had correctly updated my account choice. Again. I was confident I had done this correctly and went ahead with the transaction. 
One day later I called the company I was purchasing from to make a change in the product. They had to refund and recharge the same account to make the change. I was fine with this since I KNEW I had selected " Account XXXX '' A couple days later both transactions went through my " Default account '' instead of " Account XXXX ''. I was XXXX % sure I had chosen " Account XXXX '' during checkout and yet PayPal reverted the transaction back to my " XXXX Account. '' I now have a total of {$96.00} in NSF fees because PayPal is selecting the " Default Account '' every time instead of updating to the account that the consumer selects. 
Over the next week that company kept retrying the PayPal default and eventually I had a fourth NSF fee. I was powerless to stop this. I now have {$120.00} in NSF fees, all because PayPal chose the wrong account. I only authorized " Account XXXX '' and never authorized the " Default Account. '' I called and asked PayPal to refund the NSF fees and they refuse. They refuse to even admit that their system is causing this error. I asked them why they allow XXXX accounts on file if they ALWAYS choose the default account but they wo n't answer because they do n't want to admit fault. 
I know PayPal wont admit to their error but at this point it is BEYOND the {$120.00}. I know this must be happening to other people ... eventually there will probably be some kind of a class action lawsuit. But in the meantime PayPal is ripping people off and refusing to fix their mistake. 
If this does n't require the help of the Consumer Protection Bureau I do n't know what does.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Data-Central, LLC (OH)

The company has never sent a communication or called informing me of the debt so I was not given the right to request information related to the debt I was said to owe. When I found this information on my credit report I contacted them and was told they no longer had the account ( although they are reporting it ) but a sister company has it, I then called the next company to be told they did not have it either, and the last company that claims to owe the debt will not provide me a fax number nor address to send a formal request for verification. This account was not opened by me and needs to be removed yet they continue to verify it belongs to me. I have asked all XXXX companies for a statement by mail or something showing that I have the right to dispute the debt. They have all refused. I have mailed dispute/validation requests to XXXX of the companies that I have been able to obtain the mailing address for. If the XXXX and XXXX company claim to longer own the account and have made no effort to collect on the debt, the information must be reomoved from my credit report or give me the formal notice of collection attempts.
Consumer complaint received 2024-10-10
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. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-10
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NC)

Citibank credit card has been charging me for a service I did not sign up for called Payment Safeguard. They say I signed up for it in XXXX of 2007, but I did not sign up for this service. I requested they send me written proof or a recording stating I signed up for the service. And today, I only got a letter saying I signed up for it in XXXX of 2007, but provided me with no proof.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I recently checked my credit report and found some hard inquiries that I do not recognize. I would appreciate it if you can help me remove these accounts off of my credit report. The hard inquiries are not mine so the information isnt accurate. I appreciate your time! I also filed a report to identify theft.gov Can you please help me this has been so stressful on me having unauthorized accounts destroying my credit. 

Unauthorized accounts Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX 


Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint.

Thank you so much!
Consumer complaint received 2016-10-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months. 


Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late. 


When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with. 


The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (VA)

On XXXX XXXX 2015, Paypal Credit conducted, without my authorization, a hard credit check on my credit card account and reported this check to XXXX XXXX on XXXX XXXX 2015. I did not verbally or in writing do a PayPal Credit application. I did not contact Paypal Credit for a new card. I did not contact Paypal Credit for a new credit limit or a different interest rate for my existing PayPal credit card account. I tried, unsuccessfully, to resolve this with PayPal Credit by phone on XXXX XXXX. I have sent PayPal Credit a letter demanding that they provide me with proof of my authorization to conduct a hard credit check on my account -- which is good standing. It is my understanding that if I did nothing to merit such a credit check that PayPal Credit must legally take action to have this report removed from my credit record.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (MD)

I am an XXXX XXXX  from XXXX  XXXX XXXX XXXX XXXX, which lived in XXXX, Maryland. The thing is that M & T bank closed my account without any powerful reasons and put me on their blacklist for no reason when I was trying to start a new account. I was told that my account was closed in XXXX, and I went to the local branch as soon as possible to ask for help, the representative told me they will help me to build a new account but I need to make an appointment on the phone call. After making an appointment I went there in XXXX. When the representative found my account was closed, she said I will be not permitted to apply for any M & T bank services any more in my whole life. After I left I just have something want to ask, such as what about the online application account, and why my account was closed and so on. So I decided to go back there to ask for the questions one more time. However, when I walked into the bank, a bank stuff who was standing on the front desk drove me out because she said the representative need to eat dinner. She said that I can go back to ask for help after 20 mins later. I listened to her and went outside to wait for the permission. At that time, I saw different customers entering into the bank. They can be treated as normal customers but only expect me, a XXXX? 10 mins later on, the XXXX woman who worked in the front desk went outside, then she drove me out rudely. She interrupted my words several times and carried off the representatives name card which she gave me before. She warned me You will not be permitted to enter into this bank any more forever, go to find another bank do you need recommendations? You even can not stand outside of this bank. I was really shocked because I am just a XXXX  and dont do any suspicious activity on my money account. My money transaction history is only for my daily life fee and rent fee. 
In conclusion, I want to report for two things : the first is that why the bank can close someones account without any reasons even for an unblemished M & T bank account record. The second thing is for the racism for bank stuffs. They drove me out and treated me like a dangerous fraudster without any proofs, and treated me different from other American customers. The address of this M & T bank is XXXX XXXX XXXX XXXX, XXXX MD XXXX.
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. ()

Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

During multiple disputes I have requested the deletion of these accounts since they appear as negative accounts when these accounts are settled. paid in full accounts paid in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

# XXXX - XXXX 1. I took email, code to regions local bank 2. I did XXXX ATM DEBTs 3. A direct deposit more than {$500.00} was done Its say very clear, regions bank gives {$300.00} bonus, the major problem is were is the {$300.00}? 

4. Is it fake? 
5. Is it good for all bank customers? 
6. Does a bank have the right to have false claims?