davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (CA)

This complaint is an update to a complaint I filed recently again Bonneville Collections on behalf of XXXX XXXX XXXX. I forgot to mention that this debt is reported as " educational '' but in fact it was for rent at the student apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but Bonneville Collections has since purchased the debt, inflated it by thousands of dollars and reaged it.
Consumer complaint received 2018-06-20
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. (AZ)

My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

XXXX XXXX company contacts me multiple times a day from random caller ID numbers. They start at XXXX XXXX and call until XXXX every two hours sometimes back to back. XX/XX/XXXX they contacted my mother who lives in Illinois and spoke to her regarding this loan. On XX/XX/XXXX they called another family member in XXXX XXXX, Ca regarding the loan. In both instances I was called by family members regarding the loan. I contacted them via email to state I would like to settle the debt. This is my private business and I do not want my family members involved. As now I am humiliated.
Consumer complaint received 2017-10-02
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. (MI)

I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with Transunion and XXXX on debt that is currently included in my Chapter XXXX Bankrupcty case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (DC)

This company calls my phone dozens of times per day. They refused to tell me who they are and they never leave voicemail messages with contact information, they just call repeatedly at all hours. When I try to block one of their numbers, they call with many other numbers. They are consistently rude when I ask for identification information, even hanging up on me and then someone else calling back minutes later. I finally got one person to tell me the name of the company and call-back info after I had confirmed with the original phone company that the bill came from, but before then I did not have a good way to verify who they were or that the debt was legitimate.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

Mortgage obtained in XXXX, and included escrow for taxes and insurance. Newrez/Shellpoint collected escrow, but did not remit payments, causing many problems. To clarify, they charged me the escrow but didn't pay the taxes or insurance. I submitted a CFPB and legal complaints, at which time Newrez/Shellpoint eventually paid the outstanding amounts. As part of the settlement, escrow was removed. My reason for requesting this was that Newrez/Shellpoing clearly doesn't understand the point of escrow. They know how to collect, just not pay. And that is the most important part of escrow. So, everything has been fine for 4 years, but in XX/XX/XXXX, I received a new escrow analysis showing that my escrow went up due to normal insurance increases. This would be fine except one small thing, as I mentioned, I don't escrow for taxes or insurance. So, I contacted them once a month for the last 4 months via phone. Each time, they tell me not to worry, it will be handled. Now, as of this month, my extra principal payment was applied to escrow, which is fraud, given that I do not have escrow. Also, it shows next month I need to pay a much larger amount, since the full increased escrow kicks in. So, if i don't pay, they will charge me late fees, but I should not have to pay. So, the escrow needs to be removed immediately AND my new monthly payment should be readjusted back to the P & I only AND all amounts held in escrow need to be RETRO actively applied to the principal, and my interest adjusted. Even if these amounts are small, this needs to happen, as they were fraudulently held.
Consumer complaint received 2018-03-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

power to sale is void 736.11a, new lawsuit filed 10 day automatic stay sale during this time filed on XX/XX/XXXX sold XX/XX/XXXX XXXX XXXX XXXX notice giving to him before sale and giving to company and attorney for pennymac also 4 year run after cout case XXXX
Consumer complaint received 2017-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of ID theft, I have contacted them they refused to contact me back I request a block of this account according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 ) 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 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am in a Chapter XXXX Bankruptcy case and Wells Fargo refused to consider my loan modification application even though the automatic stay is in place. They have adjourned my sale date in incremental amounts to ensure that they would not have to evaluate my loan modification application which is a violation of the automatic stay. 

XXXX from Wells Fargo is the employee that violated the Federal Automatic Stay by refusing the evaluate my loan modification application. 

I am also filing a motion for sanctions for violations of the automatic stay.
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CO)

I applied for a medical loan on Thursday, XXXX XXXX, 2017 with Prosper Funding LLC. | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I was sent an email that I was approved for the loan amount requested which was approximately {$22000.00}, with the caveat that before the loan can be completed I needed to submit verification of income and provide some tax documents. I attempted to submit the documentation through their secure website, but the website would not take the information and gave me an error code. I then tried again later to resubmit the paperwork and once again it took some of the information, but not all of it. I went to the medical facility where I started the treatment that was needed, and the hospital called Prosper to verify that the loan was in good order. Prosper told them that everything looked fine. In the end, Prosper said they did n't get the paper work and what they got had discrepancies. I tried to speak with their account division to address whatever discrepancies they saw and also send in the paperwork that probably still needed to upload. Prosper told me they would not discuss this issue with me and that the account was closed and that I should never apply for a loan again. The hospital also called and with me on speaker phone was told the same thing. This is unacceptable. We are outstanding customers with excellent credit. This company now has our personal information and treated us like we are criminals submitting fraudulent information. They do n't have a loan processing department with someone to talk to? This company should not be able to have an online banking business when they are not willing to communicate with a customer regarding their application, they really want your information. This is not acceptable.
Consumer complaint received 2017-10-02
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 — Problem with personal statement of dispute
Company: CCS Financial Services, Inc. (FL)

In XXXX both myself and my wife settled a collection account with XXXX XXXX # XXXX, accounts # s XXXX & XXXX. When we initially contact this company, we advised them that we are in the process of purchasing a new home and we need these two accounts removed from our credit reports. The representative reiterated that we were on a recording line before we proceeded. We were advised that we could settle both accounts out for less than owed and that they would remove the accounts from our credit reports. We gave them 45 days to update our reports. As of today, XXXX/XXXX/XXXX the accounts had not been removed. We called the company back today and were advised that they were not going to be removed and that it was due to us paying a settlement amount and not paying them in full. That if we wanted to have them deleted, we would need to pay the difference of the balances ( this is way after the fact of the accounts being paid ). We asked to hear the recorded conversation from our initial call and they stated that they would send a message to their supervisor to review it and would contact us back. We would have paid the full amount in the first place had they stated it was not required to have the account removed from our reports. This is unacceptable and from what i can tell, illegal from a collections stand point.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit, Inc (RI)

In XX/XX/2018 we were referred to XXXX XXXX by XXXX XXXX XXXX XXXX. The XXXX authorized person at the dealership worked out a lease deal for us that would give us payments of about {$390.00} per month. The lease was no money down, no first month 's payment, and no security deposit which is a standard XXXX deal. The lease term was 48 months with a residual value of {$18000.00} and a 10,000 mile per year. Well before we drove the two hours to get to the dealership I submitted the online application and BOTH XXXX XXXX and Volkswagen Credit ran my credit report as a hard inquiry. We had provided a deposit to hold the car when they confirmed the lease and payment and they said that would either be applied to the lease to further reduce our {$390.00} payment or we could have it refunded. We arrived at the dealership to pick up the car which we had been assured several times was ready and all we would have to do was " sign and drive. '' That turned out to be a lie. The dealership said they could not verify my income ( I am a XXXX employee and I had already provided my past three Earnings and Leave Statements ) Then I was told that I was not allowed to use my rental income then they told me it was not necessary. Then they ran hard credit inquiries three more times which by the end trashed my credit score and then came to me and told me because they could not " verify my income '' and because I had so many hard inquiries the only way they could make the " deal '' was to add an extra {$120.00} the the payment ( going from {$400.00} per month to {$520.00} ) and they would now require that I pay {$1200.00} up front and have a higher payment than what was promised. They also claimed that they could not verify that I had any previous car loans -- although I had a lease with XXXX   that was paid off early and still shows up in my Volkswagen online account. The other was an actual car loan through XXXX that was paid off in advance also. The series of lies were designed to increase the cost of the vehicle significantly -- {$6200.00} over the term of the lease. We were told our deposit would not be refunded if we did not complete the deal because they had taken the car out of stock and held it for us.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied online for a credit card from Capital One The card arrived with a fine print agreement which I read and found unacceptable Phoned the impossible to find phone number by calling the validation line and clicking " O ' several times. Informed that account could be closed by submitting my social security number over the phone.Spoke with gentleman called XXXX declining to provide SS # over phone. Informed, therefore account can not be closed. 

I want the account closed and information sharing be prevented.
Consumer complaint received 2018-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (GA)

Today received a phone call from XXXX XXXX ( XXXX, Ga ) about collecting on a past due payday loan. The person on the phone instead of listening to me started laughing at me and what I was trying to say. I have hit a very hard patch in paying my bills and until the end of XXXX will not have ANY money to pay any past due bills. Because of the constant oppressive language used by XXXX in XXXX, Ga I wish not to deal with them.
Consumer complaint received 2017-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Paypal / XXXX has accepted and listed my bitcoin products to be sold on their website on the XXXX/XXXX/XXXX. 
My item was listed as NON-REFUNDABLE as it is a digital currency, after being sent to the buyer, the transaction can not be cancelled/reversed. 

I listed for a total of XXXX $ in digital currency. 

Every buyer ( 6 in total ) contacted me personally by message on ebay to provide me with their Digital Wallet address ( like an email address, to send the digital product ). After getting confirmation of purchase from ebay, paypal and the buyer, I proceed to send the bitcoin. 

The next day, I received emails from paypal telling ALL ( clear pattern here ) buyer report an 'Unauthorized Transaction ' saying their accounts were hacked.
I am not responsible for ebay/paypal ( same company ) having their data leaked and making it possible for  hackers to scam and extort sellers like myself so easily. 

Paypal has closed my 'Dispute case ' in favor of the buyer. At this point I have lost my product, and they are asking me to refund them. In other words, I have lost XXXX $ worth at the moment of product, and now they are asking me XXXX $ to refund the buyers. 

It is a common discussion online that buyer are abusing XXXX/paypal policy on refunds in order to steal digital products. Buyers simply have to claim they have been hacked. This seems to be what is happening to me and my business. 

Paypal / XXXX is responsible for their security leaks, they market their products as 'PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account ' but clearly they are extorting buyers from their products and money in favor of hackers / scammers.
Consumer complaint received 2018-02-14
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. (TX)

XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to Equifax, XXXX, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I applied and was approved for an American Express " Gold Delta SkyMiles Business '' credit card on XXXX XXXX, XXXX. As part of the application, I was offered a promotional " welcome offer '' consisting of XXXX bonus XXXX SkyMiles. This offer carried the following terms : " Earn XXXX bonus miles after making {$1000.00} in eligible purchase on the Card in the first 3 months ( 92 day ) of Card Membership. The Welcome bonus offer is not available to Applicants who have or have had this product. The bonus miles will be credited to the Card Member 's SkyMiles account 6-8 weeks after they meet the {$1000.00} purchase requirement. '' This offer is verified in a chat excerpt that is attached. 

I met the spend requirement of {$1000.00} on XXXX XXXX ( 87 days after approval ) with a purchase totaling {$37.00} to XXXX XXXX Now, which gave me a total spend of {$1000.00}. I have included my billing statements for all months the account has been opened to verify this. 

After waiting the specified 8 weeks from meeting the spend requirement, I reached out to American Express requesting a status on the whereabouts of the missing points. I was told there is a system issue that is causing points to not be credited. I was given a chat id of XXXX to note the conversation in which I requested the points be issued. American Express advised the investigation would take several weeks, but it has been almost a month beyond when the points should have posted. Screenshots of chat excerpts have been included.