davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

This company damaged my credit by lying. Forced me to set up a payment plan for XXXX for a XXXX debt. They've been paid XXXX as of XX/XX/2019 with 2 payments remaining, one for XXXX and one for XXXX. I've received a letter stating that this collection would not be placed on any credit reports and again they lied. This company is deceitful and corrupt and should be investigated to the fullest. I've contacted my state 's attorney general office as well as a personal attorney.
Consumer complaint received 2019-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority (TX)

XXXX XXXX, a large loan servicer, no longer has an easy way to find the loan payoff amount. They changed their website and neglected to implement a solution that is easy for a customer to find. I've spend more than an hour looking. I've also followed up by sending emails to their customer helpline. 

As a regulator, I hope you'll find it concerning that a loan servicer is making it difficult for consumers to payoff their loans in full in order for them to continue to accrue interest. Whether purposeful or not, I believe action should be taken as this is not the first time the company is doing shady things. Just last month New York sued XXXX, the organization that operates XXXX, over wrongly denying loan forgiveness to public servants.
Consumer complaint received 2019-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC (MI)

XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the consumer alert at the link below. 

XXXX XXXX XXXX-not-licensed-XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (GA)

Does the Consumer Finance Protection Bureau work for consumers anymore? Or since Donald Trump, are you just a bulletin board posted in a vacant warehouse where complaints are pinned up and left there? 

A woman signed an apartment lease in my name in California ... it was FRAUD. A law firm is collecting on that fraud. I have provided 3 police reports and my id to this firm to investigate the fraud. I have demanded ( on 5 occasions ) that they provide a copy of the signed lease and the identification that the leasing company got from this crook. 

The law firm kept kicking back the identification and then the police reports asking for a police report on that specific incident of fraud ( which is not required. All I am required to file is a police report for the id theft ). When I got them ID that they would accept, they then said : " We are closing the fraud investigation because the apartment complex has identified you '' ... BUT ONCE AGAIN HAS PROVIDED NOTHING TO SHOW HOW. 

Is this how it works in Trump 's authoritarian state now? The poor innocent consumer up against the rich company and it's attorneys ... .the law firm refusing to share information and doing THEIR OWN INVESTIGATION EVEN THOUGH THEY ARE ALSO THE COLLECTION AGENCY ON THE DEBT? 

Is there NOBODY to stand for the consumer anymore?
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, Trans Union, XXXX and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

Trans Union, XXXX & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,
Consumer complaint received 2019-11-03
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. (CA)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I sold a boat on XXXX. Reveived {$500.00} down payment thru PAYPAL, About 2 weeks later the buyer picked up the boat from me and paid balance of {$920.00}, Buyer made the PAYPAL transfer when he actually picked up the boat from me on XX/XX/2019. 
Paypal has frozen my account demanding package tracking information and to verify a bank account, and copy of my state ID. 
I verified a bank account, sent copy of my licence, but since buyer picked up the boat i don't have tracking information. 
After many calls I was told it should be lifted within 24 hours, on XX/XX/2019. But instead of it being listed I got a email stating I owe them money from something linked to a email address never had, from a dozen years ago. I have been using paypal for years, but has always been small purchases I made, not recieved, If I owe them this money, why did they not ever inform me. Bottom line is they are freezinf my {$920.00}, even though they know buyer already in receipt of item.
Consumer complaint received 2019-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One failed to follow mastercard policy and the law regarding my dispute with XXXX, aiding XXXX in defrauding me. 

I was charged {$99.00} despite having cancelled a service before the billing date. The service was online classes and I did not access any content. There is no way to reach a human being at XXXX so I asked for Capital One to initiate a dispute. They did so but pursued it incorrectly, so I have paid for something I both cancelled and did not receive. I did not receive any notice from XXXX that I was charged, and I discovered it only in my credit card statement. 

Capital one asked me to prove that I cancelled. I cancelled online via XXXX 's system, meaning that I rely on them entirely to send or otherwise provide proof. They did not do this, and lied saying it was not cancelled. I believe this is intentional rather than computer error but I don't really know. When I logged into my account, it showed cancelled and asked me to sign up, proving without a doubt that I had cancelled and had not access to the paid content. I told Capital One all of this, but still they chose to assist XXXX  in ripping me off. In addition, I discovered that I was getting all emails from XXXX in duplicate, which may mean that they accidentally duplicated something and only one got cancelled. Not sure, but clearly something wrong. 

I was forced to pay for something I cancelled, never accessed, and then told I had convince the scamming merchant to admit cancellation or just accept being defrauded.
Consumer complaint received 2019-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (LA)

Will not rehash on earlier complaint they didnt fully address, only wish Arvest Central Mortgage to admit that once they were notified that our home was condemned that we had no other option, per our contract, but to pay off the loan with the insurance funds.For Arvest to continually refer to a conversation before this date is irrelevant as they didnt have the funds, or all the information to say what we could or could not do with those funds, before we notified them of these findings
Consumer complaint received 2019-11-02
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 (VA)

I have {$260.00} in my Paypal account. Paypal emailed me to inform me that my account was blocked by them and that i can not use my money for six moths. They don't want to give me any information upon why my account was blocked and i can not retrieve my money from the account at this point. 
I want to finish my business with Paypal and get my money from my account.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$27000.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ 0 Monthly payment {$450.00} Opened XX/XX/XXXX ( 1 yrs, 2 mos ) Term 72 months ( 6 years ) PAYMENT HISTORY You've made 99 % of payments on time Current Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Open Type Auto Responsibility Individual Remarks Fixed rate Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I disputed an entry to my credit report from XXXX XXXX to EXPERIAN ( XX/XX/19 ). They reported me DECEASED ( BOTH XXXX AND EXPERIAN ), and  sent my information to an agency called XXXX which notified me I was dead. I immediately called them and reported I was not deceased and they would report this to XXXX XXXX ( XX/XX/19 ). I tried to contact XXXX XXXX on numerous occasions, by telephone and via internet, and could get nowhere since they said my account was closed.. I was contacted by XXXX XXXX , XXXX . ( and was successful in negotiating a settlement with them for NO LATE FEES, and only monies owed to XXXX ). The amount paid was {$1600.00} against an XXXX LATE FEE BALANCE OF {$3200.00} Terms of the settlement with XXXX was ( 1 ) remove the DECEASED from the credit report ; ( 2 )  REINSTATEMENT of the long-standing account at XXXX ( XXXX year opened ), and ( 3 ) no income to me on a 1099 at year end since this was XXXX error. Experian concluded their report with no change, XXXX took the payment, and our credit report still remains DECEASED with a charge off of {$3200.00} to XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXXXXXX 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 15U.S.C 1681 section 602 A. States that I have the right to privacy. 
15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 
15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These public records should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

I made a payment on my credit card with Costco Citi bank for {$7000.00} on XXXX and the money was debited from my account by XXXX. They have my money. despite this Citi refused to update my credit card account for 1 week. They have placed a hold on my account denying all purchases. The hold will not be released until XXXX. They will not even consider calling my bank to verify the payment when asked. I have received nothing but poor Service from this credit card company throughout the years.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I recently applied for an FHA refinance mortgage with Quicken Home Loans on XX/XX/19 or earlier. My mortgage broker has let me know that Quicken has really struggled with new loans registering at Quicken and their set up process. They are also offering interest rate lock timeframes that they are not able to close loan applications within. 

But thats not the main issue. The issue is that they make you use one of their appraisal management companies, in this case the appraisal was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. On that date the Broker received a notification that the appraisal was completed and available for download. The broker downloaded the appraisal and it said " AS IS '' so no repairs were required. 

Timing was a little tight but we had enough time to close before the interest rate lock expired on XX/XX/XXXX. Then on XX/XX/8, 9 days after the complete appraisal report was delivered to the broker ; Quicken posted a new loan condition that the appraisal was now " Subject To '' and listed a minor repair. 9 days later. And no one even told the broker about it! He happened to look in the file and saw it had been posted. Quicken has since removed the original appraisal report so that it can not be accessed but the broker saved the original copy. 

By waiting 9 days to make a change to a completed appraisal ; Quicken effectively blew my interest rate lock out of the water. The mortgage broker was without power for 4 days including the day the lock expired. He asked Quicken to cover the re-lock fee ( about {$1100.00} ) in light of the situation. Quicken refused putting the blame back on the broker. They then cut off the broker from doing business with them ever again. The broker has continually asked that they make this right for me and they continually refuse and put the blame on the broker. Also, interest rates have gone up since my loan and interest rate were originally locked in so Quicken knows they hold the cards and by not honoring my original lock they are now making more money in fees. Another {$1100.00}. 

Based on what the broker has told me about this happening to multiple other clients and how Quicken handled my application it looks like they are intentionally causing their clients to need lock extensions and re lock fees. This is predatory lending. We have tried to get them to make this right and they have refused. They have scoffed at us for threatening to file a complaint with CFPB. The two individuals we dealt with at Quicken were XXXX XXXX and XXXX XXXX. When asked to speak to another supervisor XXXX XXXX responded that he has the final say.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019