davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

I have a dispute with PayPal. As you know, according to PayPal rules, I am not allowed to go to court, and must arbitrate any dispute. So, as required by the PayPal Rules, I submitted a " Demand for Arbitration '' to the XXXX describing my dispute with PayPal, including all required information. Much to my surprise, instead of a dispute resolution process, the XXXX sent both myself and PayPal a letter, saying that the XXXX could only begin the arbitration if both parties provided written consent ( because the PayPal rules do not correctly appoint the XXXX as the administering agency for the arbitration, so the XXXX required a separate consent ). I immediately submitted my written consent. But PayPal REFUSED. Thus, the PayPal rules say that I must arbitrate all disputes with PayPal with the XXXX, but when I tried to submit my dispute to XXXX arbitration, PayPal refused to use the organization their rules call for! Now I have no recourse at all, I am not allowed to go to court, and PayPal refuses to arbitrate in the manner proscribed by their own rules. This is truly outrageous conduct by PayPal, they clearly are just trying to avoid any dispute resolution process. I will attach a copy of the XXXX letter to this complaint if this system permits. Please force PayPal to follow their own rules and arbitrate my claim in the manner their own rules require. 
XXXX XXXX
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Systems,Inc. (CA)

I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. Thanks
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Ever since NationStar Mortgage acquired my loan amongst a bundle of mortgages that XXXX XXXX XXXX divested themselves of, they have done everything they could to cheat me by trying to wrestle my loan terms from me. They 've alleged that I did n't have home insurance when they knew I had. They have had a company they do business with break into my home ( XXXX XXXX XXXX ) under the excuse they did n't realize I was living there. What business does this when all along I 've been paying my mortgage by the allowed grace period each month since I bought the home in 2002! I 've had to send my payments by certified mail because along time as tried to change my terms they no longer allowed me to pay my mortgage through their pay by phone system. They 've never to this day replaced my door or restored the glass that they broke by breaking in when I was n't home. I came home one day last year to discover my front door 's lock was changed. Items were missing from my home. They 've accepted payment of taxes by the town without crediting me as they 've always been paid by me! NationStar Mortgage has been doing a disservice to me and been unjust as they attempt to discredit me by trying to elicit all kinds of fees from me through their corrupt operation!! Please help me by restoring my loan to its original terms & cleaning up whatever damage they 've done to discredit my good credit. Much appreciation for your help, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ma XXXX Loan # XXXX
Consumer complaint received 2016-08-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CHARLES SCHWAB CORPORATION, THE (NC)

I used Charles Schwab 's Bill Pay to make payments on a XXXX XXXX loan that I had paid current since XXXX. In XXXX XXXX I set up the account to autopay the loan through the loan 's final payment in XXXX. Instead of doing what it was supposed to do, the system overrode the date I put in and set XXXX XXXX as the final payment date. In XXXX XXXX, XXXX XXXX sent a letter threatening collections, and that was when I first became aware that Bill Pay had failed. I paid the loan payments current, and then had the Schwab rep get on the phone with the XXXX rep. The Schwab guy said that the error was likely a Schwab system error, but refused to send a letter or email to XXXX because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers. Schwab now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony. 

The net result is that my credit has been negatively impacted. I 'm trying to buy a house, and the past due is hurting my credit score and could well cost me thousands of dollars more in interest expense. 

Since XXXX continues to report my " late '' payment from XXXX, I will submit this complaint each month until Schwab resolves it. Please treat it as a brand new complaint, since every time XXXX reports this it affects my credit.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, After reviewing this document XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MT)

My mortgage loan was sold to NationStar XXXX 2016. XXXX XXXX I mailed my payment to address given indicating my new loan #. Around XXXX XXXX, I received a statement/remittance from them. The check I mailed on XXXX XXXX was not posted to my account until XXXX/XXXX/16. Then XXXX XXXX, I mailed my XXXX payment. On XXXX XXXX, I received their statement/remittance. On XXXX XXXX, I received a call from NationStar letting me know they had not received by my payment, I informed them that I had mailed my payment on XXXX XXXX. They said I should allow 14 days!!! Crazy! The representative suggested making a payment over the phone with him for a fee or signing up for AutoPay. On XXXX XXXX, I received a late notice dated XXXX. The check cleared my account on XXXX. I live in XXXX and send payment to XXXX. It seems ridiculous to expect payment to take 13 days to be posted to your account. I was previously sending my payment XXXX and it never took more than about 5 business day!! I have never received their statement which provides the remittance slip before the XXXX of the month. I save the remittance slip form the previous month to mail so that I can be on time.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (UT)

NORTH SHORE AGENCY ( NSA ) alleges that I owe money for a magazine ( XXXX ) that I did not order or request. I DID NOT RENEW the magazine subscription and DID NOT RECEIVE the magazazine as claimed by NSA NSA has threatened my credit rating and turn this FRAUDULENT bill. NSA has a history with the FTC for engaging in this form of fraudulent behavior, in fact, NSA has been been the target for numerous FTC complaints and actions in the past.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (PA)

I previously made a complaint to the CFPB that was resolved in my favor. AR Resources, Inc. responded that " Please be advised that AR Resources , Inc. has closed the consumer 's account and requested that it be deleted from the credit report. '' While they did delete it from my XXXX and XXXX reports on or around XX/XX/2016, they never deleted it from my XXXX credit report. They, they reported it again to XXXX on or around XX/XX/2016. They are also reporting it as open, even though they promised the CFPB and me to close the account and remove it from my credit reports. Please have AR Resources , Inc. follow through with their promise to the CFPB and me to close the account and remove it permanently from all 3 major credit reporting bureaus and any other credit reports or other parties they reported it to.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any item which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove this item. 
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXXXX/XX/2023
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or loan.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX Barclay Card US : Incorrectly placed someone else 's bankruptcy on my Barclay credit card account, then ; Closed my account, then ; Removed my reward points for my account, then ; Notified all XXXX credit agencies that my account was in collections, then ; Did not inform me of any of the above. 
This caused my perfect credit score and report to drop to its lowest level in my life. 
Barclay refuses to send me documentation that they have corrected these egregious errors with all XXXX credit agencies. Barclay refuses to reimburse me for the cost of credit reports and FICO scores so that I can track the resolution of their error. 
Since opening the Barclay credit card on XX/XX/XXXX, I had paid every bill in full and on time, and continue to do so.
Consumer complaint received 2024-11-01
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Within weeks I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after discussion with XXXX XXXX XXXX over the phone, they asked me to cease treatment and agreed to fully refund my purchase as the XXXX were created incorrectly. I also received an email confirming that I was entitled to a full refund. I immediately ceased treatment, rendering my XXXX unusable, but the company shut down before we could dispose of the XXXX. I did not receive a response from my attempts to email the XXXX XXXX XXXX and was unable to contact them as their phone support system was and still is down. In XX/XX/year>, I began the dispute process through my Apple card. This dispute has been in process for almost a year with each dispute being rejected as my purchase date is past the 30 day return policy with no further review, which has nothing to do with my dispute case. Despite many hours on the phone and being reassured it would be found in my favor, the disputes are not reviewed properly and my case is being dismissed.
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income!
Consumer complaint received 2017-02-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Home Loan Center, Inc. (CA)

I responded to an online ad from Lending tree who advertised a debt consolidation loan, low rate, get money as soon as possible. I took out the loan in XX/XX/2015 ( see attachment ). Now almost two years later, I have only paid a little under {$7000.00} ( see statement showing the interest rate and the amount going towards interest with approximately 38 months left to pay. With all of the past issues with the mortgage loans, how on earth can a company be allowed to bait and switch consumers into these type of loans. is there anything I can do?
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STATE FARM BANK, FSB (GA)

The loan application started and I received my 1st loan closing fee XXXX/XXXX/16 {$4500.00} 2nd loan closing fees XXXX/XXXX/16 {$3600.00} 3rd loan closing fees XXXX/XXXX/16 {$4100.00} 4th loan closing fees XXXX/XXXX/16 less then 24 hrs for the last {$5300.00} It has been 93 days and the loan is still not closed, now we have a closing set before the of the year and the fees keep going up and up They stated that ant fees would be around {$300.00} now {$800.00} The answer was they were, backed up, they were not backed up when XXXX to pay upfront fees of {$450.00}. 
I gave them everything they wanted since day XXXX and it took over 100 days to process and fees keep going up and up