davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLD KEY CREDIT, INC. (FL)

Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX and XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( Date XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other XXXX says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX after having lost my left XXXX I am now a XXXX XXXX and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I rented a vacation rental for 3 days ( XX/XX/XXXX ) on XX/XX/XXXX from someone on XXXX. I signed a contract and paid through PayPal. When I showed up to the property on XX/XX/2018, the person I was in contact with never showed up. I came to find out by a neighbor that the property was not owned by the person who I had a contract and paid, nor was it a rental property. I went to the local police station and filed a police report. 

After that I contacted PayPal to put a dispute in since I paid through there. I was told it would take 10 days. Within the 10 days I went into my PayPal account and noticed there were no open cases, so I contacted them. I was told that the person I spoke to on XX/XX/XXXX was incorrect and I didn't have a case since I paid " Friends & Family ''. Apparently there is no insurance when paid this way, hence the reason why I was instructed to do so, I didn't know otherwise since I don't use PayPal too often. I was then instructed to contact my financial institution since the funds came from my checking account. I filed a dispute through my bank, which was denied. I spoke to a supervisor with XXXX who was going to try and contact PayPal. After a week, I was notified by the supervisor that they were not able to get anywhere with PayPal. 

I do want to note that I did try to contact the person who set up the fraud with the two email addresses I had ( XXXX and XXXX ). I also attempted to contact the person through the initial XXXX ad, but it had since been removed.
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I am not going to pay back a for-profit school that was found guilty of fraud, when I can't even find employment in my field for my degree.  I have paid back over 5,000 on XXXX and I still owe over 30,000 due to interest. Navient, the beast, has taken my tax return and ruined my credit. This system is a trap. I'd have been better off not going to the XXXX XXXX XXXX XXXX in the first place, but my mom pretty much forced me and signed all the papers herself when I was XXXX. I didn't have a choice in the matter then, so I'm pretty much screwed for life.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian is refusing to update information on my consumer report. The account with friendly loans is open and paid on time. The account is about 30 points on my score, the account was not deleted by the lender as per the lender. Experian is refusing to update the information. It's showing in thier record as deleted in 2017, yet the lender has not deleted the file. The lender has provided me with a customer statement that Experian refuses to accept. the FCRA states that they must consider all information I send to prove my case.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ND)

XX/XX/XXXX I took out a private student loan from XXXX XXXX/Navient. The disbursement amount was {$32000.00}. XXXX XXXX/Navient was vague with regard to the terms, interest rate and repayment options from the start. Every time I called with questions they pushed me into forbearance or deferment. They told me I didn't qualify for income based repayment, refinancing or any other options. I have attached the account ledger wherein it is clear that Navient capitalized thousands of dollars of interest during forbearance or deferment periods. I was never given other repayment options despite calling repeatedly. Even when I filed a previous complaint with the CFPB the response from Navient again suggested forebearance as a solution. Forebearance only benefits Navient and is NOT a solution to my problem. My original loan amount was {$32000.00} as of XX/XX/XXXX. Navient has increased my loan amount, interest rate and payments creating financial hardship and a loan that I will NEVER pay off. As of today, XX/XX/XXXX I owe {$35000.00} and have an interest rate of 7 % and my payments are {$350.00} per month. Navient has not properly or legally serviced this loan in the best interest of the borrower. Their actions are only in their best interest. To date I have paid a total of {$27000.00} on my loan of {$32000.00} and I still owe {$35000.00}!!!! I will never pay this loan off. Navient also does not apply the correct amount to my principal therefore racking up enormous interest balance on my loan. This loan that I have paid on for over 10 years will take me another 20 years to pay off and that's if they don't keep raising my interest rate. I am asking for LOAN FORGIVENESS. Navient is engaging in illegal loan servicing practices and I am requesting borrower relief. This loan and previous forbearance and deferment have drastically hurt my credit and will continue to do so for the next 20+ years. I have contacted Navient on several occasions asking to refinance, lower my interest rate, renegotiate loan terms, repayment options ( the only repayment option they say that I qualify for is forbearance or deferment ) which is NOT in my best interest. Please help. I would be willing to settle the loan for the difference between my original loan amount and what I have already paid for a total settlement amount of {$4900.00} in a lump sum payment. This is a FAIR resolution. I want settlement or total loan forgiveness! Thank you.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (CO)

I was in the process of refinancing my home past autumn. Told my they would need $XXXX for my home to be appraised. On XX/XX/17 they took $XXXX out of my credit card. Then I was told there could be no peeling paint on my house and to fix my house for the appraiser. To paint in XXXX. in Colorado in not an option. I changed my mind and backed out of the loan. I wanted my $XXXX  back as they assured me I could do. Have not been able to get my money back. Have not been able to even get a phone call back. I have called many times. No calls back.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (IL)

On XX/XX/XXXX, after signing a contract to purchase a XXXX XXXX XXXX for {$38000.00} at a XXXX dealership, I decided to cancel it, after which the dealership started shutting down before I could examine the vehicle. I only managed to contact my insurance company due to the fact I had to vacate the premises. 
Once I got home I only was able to contact the loaner 's ( General Motors Financial ) customer assistance line.They said I would have to call back to " reverse '' the loan on XXXX XXXX, XXXX. The GMF system was still down on XX/XX/XXXX and intermittently .Yesterday I first spoke with a team leader at General Motors . He ( XXXX ) said that the contract is binding because I signed it.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (AL)

Sunrise Collection Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, XXXX XXXX XXXX was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

They offer me Load that were crazy First Loan offer would be paid off when I was XXXX Second loan offered was 20 years then a ballon payoff of {$75000.00} when i was XXXX Plus in 2014 Ocwen agree on a settlement of XXXX XXXX that the company to pay penalties as well as undislosed financial relief to borrowers which i never seen a XXXX of
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (VA)

This collection action apparently occurred because of overlooking changes to a computer program. I had a long standing account for auto insurance with XXXX, but decided to cancel it last XXXX. I negotiated with another company for a lower rate. However, because the notification to XXXX was not made until a few days before the policy was due, I had to sign several papers - which were duly transacted upon - including an order to cancel the upcoming payment. Somehow, these transactions probably were never entered into the XXXX computers. As a result, it automatically sent the account to a debt collection company called XXXX. My complaint is with them, because the problem with the XXXX situation has been resolved.=. I am incensed because the first that I knew that the XXXX situation had even occurred was a telephone call from someone at XXXX who called me on XX/XX/XXXX at XXXX. The woman asked for XXXX XXXX ; although that Is my husband 's name, I have never used it. I use the name XXXX XXXX. I have absolutely no accounts in the name of XXXX XXXX. My account at XXXX was under the name of XXXX XXXX. Using the name XXXX XXXX was an immediate red alert for me and I refused to " confirm '' who I was - or give these my people my address. I have since received a debt collection letter and 4 other telephone calls. I maintain that this company probably went on a fishing expedition to try to somehow guarantee to themselves that they had a lock on the account. I consider this a fraud on their part and have told them that. The fact that even the written document uses the name XXXX XXXX suggests that this company is using the most underhanded techniques - as well as abusive tactics with phone calls - and needs strong oversight from consumer protection laws. Incidentally, the amount supposedly due was XXXX..
Consumer complaint received 2018-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have an account with a company named XXXX after several months of the company reporting a good payment history to Equifax, Equifax refuses to add the tradeline to my credit file ..I have provide email communications from the creditor, email communications from Equifax representative to the creditor stating they are reporting the item however the item doesnt appear on my file as a result it appears I have less credit history then I really do and it it causing my credit score to be lower
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I opened a Citibank Account Package Checking account with a promotional offer of $XXXX.  If the qualifying terms are met, citibank was to deposit $XXXX as a promotional bonus into the account.  The terms included a direct deposit for two consecutive months, depositing $XXXX and maintaing that balance for 60 days.  The terms also state the the bonus would be deposited 90 days after qualifying terms were met.The following are dates of when the qualifying terms were met.  The terms were completed on XX/XX/XXXX.  90 days past that is XX/XX/XXXX.  I still have not received this bonus. Deposit $XXXX: XX/XX/XXXXDirect Deposit : XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Depsoti: XX/XX/XXXXDirect Deposit:  XX/XX/XXXXAfter sending Citibank a secure message, they informed me that I qualifed for the bonus, but to wait 90 days after terms were met.  Because 90 days have already been met, I decided to contact Citibank by phone.  Once again, Citibank refuses to deposit this bonus and cites waiting 90 days after terms were met.  After explaining to Citibank representative that it had already been 90 days, citibank refused to honor their own promotion.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C. (CT)

In XXXX of XXXX, I was in debt. In XXXX XXXX credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked XXXX to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from Law Offices of Howard Lee Schiff, P.C.. They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with XXXX. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very stupid. The last time I went to court I was basically bullied into a payment agreement with the Law Offices of Howard Lee Schiff P.C. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by Howard Lee Schiff, P.C. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WY)

XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. 

The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CO)

I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement. 

SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages. 

I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues. 

I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NC)

XXXX XXXX XXXX  in virginia over booked and refunded my money also sent me a email stating how sorry they were and pnc kept my money. Filed a dispute 2x also a hotel while traveling for work XXXX $ deposit was also not refunded deemed valid. They seem to like to keep refunded monies.
Consumer complaint received 2018-02-08
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. (TN)

Please help CFPB and take this seriously. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. This has made it difficult to find traditional work and secure credit. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-07-26
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. (IN)

In my credit report is a hard inquiry I did not recognize as authorized.

In result, my credit score dropped down.

I received a copy of my Experian credit report on XX/XX/2018. The credit report showed a credit inquiry by XXXX  on XX/XX/2018.

I talked to customer service and credit card specialist 2 times and after verification, they assured me ( no case number ), the inquiry will be removed up to a month. But they didnt. Then I sent a letter to the corporate office and received a response on XX/XX/2018, confirming they will contact Experian to fix this error. Their credit card specialist did nothing again and they dont introduce themselves.