davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation (TX)

I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

One XXXX I received one of many calls from a representative from Midland Credit Management Inc.. Doing the last call the representative threatened I will be sued because i'm unable to pay a debt ; this wasn't the first time a representative from this company attempted this illegal tactic.
Consumer complaint received 2020-08-27
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: CL Holdings LLC (WI)

Recently after reviewing and obtaining a copy of my credit report I discovered that XXXX XXXX ( the original creditor ), reported an account as " Charged Off '' and sold to Jefferson Capital Systems , LLC, transferring a balance of {$1400.00}. The account initial opening date is XX/XX/XXXX tentatively ( transfer date in XXXX ). Despite several disputes filings date ( s ) XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX verbally and written and recently in XXXX requesting debt validation from Jefferson Capital has failed to report any change. XX/XX/XXXX a certified letter was mailed to XXXX XXXX XXXX, a representative listed and collection agent for Jefferson Capital Systems , LLC. requesting removal of the debt, to date no response has been received. Despite my efforts each investigation from the Credit Reporting Agencies has resulted unfavorable and continues to report as " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' I have included proof of certified mailings addressed to the Credit Reporting Agencies ( CRA ). ( see attachments ). According to the FCRA, Section 609 ( a ) ( 1 ) ( A ) required by federal law verification through the original signed consumer contract for all accounts posted on a credit report. ( see attachment ) To date, debt validation has not been satisfied according to the FCRA statue ( s ) my consumer rights have been violated.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

In XXXX of 2020 I made a payment to Wells Fargo for our 1st mortgage. The statement showing this transaction shows a principal balance on our mortgage of {$270000.00}. This is a conventional 30 year mortgage. 

I accepted payment forgiveness ( COVID 19 ) from Wells Fargo and did not make a payment in XXXX or XX/XX/2020. Wells Fargo said there would be no fees or interest on this short term no payment period. The statements sent at this time showed the same {$270000.00} balance AND a 2nd principal balance of the payment that wasn't made that month. So, every month that went by - they are charging me the FULL mortgage payment that wasn't paid AND putting it on top of my regular mortgage principal - like a {$2100.00} Fee they are charging each month and adding to my balance. 

In XXXX, we made a payment. After the payment went thru - Wells said I now have a principal balance of {$270000.00}. 

After skipping 2 payments at no charge and making a payment - my total principal balance should be XXXX. Instead, thru XX/XX/2020 Wells Fargo has added {$2700.00} to my principal balance. 

I contacted them, they " resolved '' the issue by calling me a month later XXXX and telling me I'm wrong and they are correct. 

What they are doing is " adding '' the payments to the end of the mortgage. In reality, they are increasing the payoff of the house by thousands of dollars. If I sold this house in 5 years, I would have to pay these payments on top of the principal. 

I'm sure they are pulling the same thing with Millions of other people who may not be looking as closely as I am.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX   ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MI)

Account with Comenity Bank ( XXXX XXXX Credit Card ) was setup in autopay. On XX/XX/XXXX statement, a new purchase balance of {$51.00} was on the account. Per the attached statement : {$51.00} will automatically be deducted from your checking account on your payment due date. This Amount includes the total of your regular revolving credit plan purchases, cash advances, and past due amounts plus minimum payments due for any promotional credit plans. 

The bank failed to do so, on on the next statement on XX/XX/XXXX, an interest fee of {$4.00} appeared as a result of the unpaid balance. 

The bank has refused to explain why the payment was not automatically deducted on or before the payment due date of XX/XX/XXXX.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

The Money Source ( TMS ) serviced my home mortgage for the house I live in. I refinanced this loan with a new lender and TMS was paid off. 

The new loan disbursed on XX/XX/2020 and the loan that TMS serviced was paid off. However, they still have not refunded the escrow balance from the old loan. 

My TMS account shows escrow refund entries for XX/XX/2020, but I have never received the refund check ( s ) nor the escrow statement in the mail. TMS still owes me the {$1100.00} left over in the escrow account from the old loan. 

I called TMS on XX/XX/2020 at their toll free number. The customer service agent said she showed that the money went out on XX/XX/XXXX. She said she would put in an internal request to stop the first check and have a new check reissued by TMS escrow.

It has now been almost a month since I called TMS and I have heard nothing, nor have I received any check, call, or letter. It has been two months since my old loan was paid off and I am still owed the escrow refund! I would like the funds mailed to me ASAP. 

Thank you, XXXX
Consumer complaint received 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (IN)

I was never notified by my lender the credit scores or the important factors affecting my credit scores that the consumer reporting agency distributed to them in connection with my home loan until two days ( XX/XX/2020 ) before my original closing date ( XX/XX/2020 ) by my loan officer. He stated that if my credit score was a little better then I would have been able to get a 2.9 % interest rate instead of the 3.125 % that I was currently offered ( costing me roughly {$30000.00} more over the course of the loan ). When I asked him what the score was that he was using to qualify me for my loan it was 100 points lower then what I thought it was. 

The key ( only ) factor affecting my credit score was an invalid collections claim on my account that I thought was removed in XX/XX/2020. My loan officer never told me my score, that I had a collections on my account or asked me if the collections claim was valid. 

After finding out this information, I called the collections agency and they removed the claim from my account roughly a week and a half later ( XX/XX/2020 ). 

When I inquired why my score and the collections impacting my score was not disclosed to me the loan officer, project manager, and regional VP all told me that it was not discussed with me since my score was what they considered to be " good ''. The project manager went on to say if my score was a little lower they would have disclosed this information to me. His justification for this was that they are not in the business of being " credit counselors '', they are just there to give people loans. Basically, they decided for me what was a " good enough '' score without giving me the opportunity to decided for myself. 

The regional VP did say he was " very surprised '' that my loan officer did not disclose the information to me but was unwilling to compensate me for this mistake because they currently were not making enough money on my loan as is. 

I was giving the option to have my credit re-pulled but was told that it may actually result in a higher interest rate if interest rates have increased from my current 3.125 % interest rate or the 2.9 % that I was told I would've qualified for ( the lending company does not publicly disclose their interest rates ) and that they may not be able to close my loan on time if I had my credit re-pulled which would result in me losing the house. So this was not a viable option for me.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX XXXX on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

XXXX : This bureau was contacted as well about the inquires and was told verified XXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report EXPERIAN : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted comenity bank in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

a single fraudulent transaction occurred on my Citibank Mastercard by the unauthorized use of the account information. No card was lost and all cards are in my possession. Citibank has placed a hold on my account and is restricted the use of the card. They wanted to issue a new card which I declined. They have said I must call and authorize each individual use of the card every time I want to use it. 
This is a violation of the Fair Credit Billing Act - Chapter 4, Section 161 ( d ) which states " a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error ''.
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

My case with PayPal was denied : XXXX I requested assistance with an XXXX refund problem due to an illegally listed rental that I attempted to cancel but did not receive a full refund for. All NUCs were ordered shutdown in Hawaii in XXXX as non-essential businesses, and on the island of XXXX where this rental resides mayor XXXX has never given the OK for short term vacation rentals to resume operating. It is illegal to operate an XXXX rental on the island of XXXX, this includes advertising your business. I would like assistance with getting my full refund for a fraudulent listing of illegal services. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website may update over time, but as of XX/XX/2020 it states : On XXXX, short-term or vacation rentals are considered non-essential business and illegal to operate. 
This is because mayor XXXX has still not allowed them to reopen, for which they have sued him. While I feel bad for their plight, they have broken the law and illegally sold me services when the government has forbidden them from doing so. 

Here are some of the relevant government orders I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The shelter order has never ended. Per the NUC clarification guidelines they aren't supposed to operate or advertise during this period. They broke the law, they ran their their business illegally, I just want my money back so I can deal with a business in compliance with the law.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is XXXX. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.
Consumer complaint received 2020-08-09
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: AMERICAN EXPRESS COMPANY (NY)

I have a loan with AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMEX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

last month i went on line to my paypal account to make a payment to find my credit limit had been lowered by almost XXXX I contacted the company and they gave a multitude of reasons all were lies, they cited my house loan that I've had since 2012 nd never late, they cited my credit cards none of which were late, they cited my credit rating, my rating was over 625 until they lowered my limit coting me 16 points, they cited my work? of which i have been employed for 3 years and covid, i told them my employer is an esential business and there are no problems. they refused to listen or even let me talk to a manager. I would like my credit limit restored to the XXXX limit
Consumer complaint received 2020-08-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had reached out to Bank of American for refinance of my home loan. Due to my low credit score I was  decline. The bank suggest re-modification of my loan. I am current on my mortgage, but it is becoming a challenge to try and come up with {$4000.00} and up for property taxes and paying for home insurance. I am asking to lower the interest rate and to include property taxes and home insurance into my mortgage. I have been with BOA for over 20 years. I was never delinquent on my mortgage or property taxes. 

I had applied for modification and BOA solution was a short sale. They did not offer me the above option. I was part of a class action lawsuit with BOA, years ago. I feel like there is not change. This is the second time, I have reached out for help ; with no success.
Consumer complaint received 2020-08-09
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. (FL)

I am upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.
Consumer complaint received 2024-10-21
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. (MA)

XXXX Calendar Days have been exhausted from the XXXX XXXX Calendar Day violation ; all negative information must be deleted ( this is the XXXX respectful request with XXXX % verifiable proof via the CFPB )
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I deposited my stimulus payment and Soc.Sec. disability check along with some extra that I'd saved ( {$2200.00} in all ) to my Paypal, account and within 2 weeks it had all just disappeared from my account. No explanation as to where it went or why. After much time and freaking out, I looked like it had been sent to XXXX XXXX, and then XXXX XXXX, and then even XXXX ( with several other places in between ). I received 2 Visa cards which had no dollar amount of how much they were worth, and hints about activating them and using them on cash.app. I'm XXXX, and I barely know how to use my XXXX, and it's too old to even download a XXXX XXXX. I complained to XXXX XXXX XXXX and they made a claim to XXXX XXXX, which I'd never even heard of, but I think that Paypal is responsible for 'losing/stealing ' my money. I'd had my account there since XXXX, and this really shocked me, that they would do this. I really need that money back as it is all that I have. I had signed up to have my government check directly deposited, and the very first month, it was taken (  on XX/XX/XXXX - in 2 withdrawals, one for {$980.00} and one for  {$1200.00} ) I have gone round and round with Paypal, but for the most part they just play dumb- they even told me they didn't know where they sent it! Before I noticed that it was gone, I tried to buy a couple birthday presents for my grandaughter, and my card was turned down. Those and a couple more attempted purchases, and my credit is now plummeting. There's no way they can truly make this up to me, but they could at the very least GIVE ME MY MONEY BACK. And, by the way- because they accepted my SSDI check in a direct deposit and then stole it, it needs to be reported to Social Security- along with my stimulus check. I've also questioned XXXX XXXX, XXXX XXXX, and XXXX, and no one seems to know anything! I've never heard of anything so openly crooked in my life! The image I'm attaching says " instant transfer using card ''!! MY CARD?! What business did they have even being in my account?
Consumer complaint received 2020-08-09
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: EQUIFAX, INC. (NJ)

Notified of hard inquiry placed on Equifax XX/XX/2020 by XXXX XXXX. Contacted XXXX immediately confirmation # XXXX. Received email confirming fraud from XXXX. Placed fraud alert on Equifax and also placed dispute XX/XX/2020. I was told by XXXX it could take up to 30 days to remove hard inquiry, 90 days by Equifax. I have no way to dispute online anymore because Equifax closed dispute. Last spoke to XXXX at Equifax on XX/XX/2020 XXXX # XXXX. I have a second email from XXXX XXXX XXXX XXXX dated XX/XX/2020 again confirming I did not attempt to open an account with them. 
My 2nd issue with Equifax is they have my current address and my previous address backwards.