davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

Every since Synchrony Bank took over PayPal Credit request for payments I make for my PayPal Credit have not been sent to my bank. Matters have only gotten worse during the many hours on the phone over the past few months. Now Synchrony is not requesting payments from my bank for both my PayPal Credit and my PayPal Master Card and have closed both accounts. 
The dates and payments are below : I have had more than sufficient funds in my account for each of the payment Synchrony " refunded '' XX/XX/XXXX {$300.00} paid PayPal Credit XX/XX/XXXX {$300.00} " refunded '' PayPal Credit XX/XX/XXXX {$290.00} ( different amount so I could differentiate the two ) PayPal Credit XX/XX/XXXX {$290.00} '' refunded '' PayPal Credit XX/XX/XXXX {$300.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$500.00} paid PayPal Credit ( trying to cover both months ) XX/XX/XXXX {$500.00} PayPal Credit '' refunded '' XX/XX/XXXX {$500.00} paid PayPal Credit ( called and was told to wait a couple days ) XX/XX/XXXX {$500.00} PayPal Credit " refunded '' XX/XX/XXXX {$580.00} paid PayPal Credit ( after hours on the phone via consultant ) XX/XX/XXXX {$200.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$580.00} PayPal Credit " refunded '' ( regardless of assurance all was well ) XX/XX/XXXX {$580.00} paid PayPal Credit XX/XX/XXXX {$580.00} PayPal Credit refunded XX/XX/XXXX paid {$400.00} PayPal MasterCard XX/XX/XXXX PayPal MasterCard 'refunded '' ( Now the problem is with both accounts ) XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$160.00} PayPal Credit XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' XX/XX/XXXX {$160.00} PayPal Credit `` refunded '' XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$380.00} PayPal Credit via telephone XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' The XX/XX/XXXX payment has been deducted from my checking account but is not reflected on my PayPal account. 

XX/XX/XXXX received letter stating my account was closed for " dishonored payments '' We have other accounts with Synchrony that we have no issues with. We have had these accounts for at least four years with no issues until Synchrony and PayPal merged. Something in their system is wrong. Receiving bot replies to my numerous emails and customer service refusing to actually investigate and correct the matter.
Consumer complaint received 2024-08-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (MO)

My complaint is with Freedom Mortgage and what I feel like is deceptive practices during the refinance process. 

I recently refinanced a mortgage with some credit card consolidation. The total amount of the new mortgage loan was around $ XXXX. The appraised value of the home was roughly $ XXXX. At no time in the refinance process was mortgage insurance mentioned with the FHA loan nor was I given the option of a conventional loan. At closing, the mortgage insurance was added to the loan in the documents that were signed. Even though I clearly have more than 20 % equity in the home, I can not get the mortgage insurance removed for 11 years or until my remaining balance drops to around $ XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OR)

In 2023 I financed a gaming computer through dell financial services. When I received the computer it was not working correctly. After several hours worth of phone calls and trouble shooting with the device I told the tech support team that I didnt want the device and I wanted to send it back. They told they would not accept it and would send a technician out to repair it. That never happened. I called Dell back and asked why the technician did not show up but they did not provide a reason why and scheduled another service appointment. It still did not happen, I called and expressed my grievances and told them I did not want the computer and I was still under warranty but did not want the computer due to how many problems it had. They told me they would not accept it back and refused to repair the computer. I still have the computer and it still does not work, it wont even power on. Now im hoping to get rid of this debt since Dell did not stand up to their side of the contract by providing me with a working device that still does not work and refused to take it back or repair it. This thing still does not work and I would greatly appreciate it if this was removed from my credit report and the debt wiped as I have tried to return the device 4 times and was refused.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

On the following dates/time ( XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, and today XX/XX/XXXX - XXXX ), I have received texts stating, " Please contact Radius Global Solutions LLC @ XXXX / XXXX XXXX XXXX XXXX / To view your rights or make a payment XXXX XXXX / Text STOP to end texts ''. I looked into Radius Global Solutions and their official website is XXXX NOT the text provided website i have been getting. I do not, nor have I ever owed any outstanding dept and I believe that they are impersonating a debt collection agency with the intent to scam people. Thank you for your time with this matter, and if you have any further questions please reach out to me.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc. (IA)

This company ( the bureaus ) has been calling me and harassing me, even though I have sent them a cease and desist. Ive also emailed them several times. They are now calling from blocked and unknown calls, but I know it is them because they specifically say the name of the company. They have also given me account numbers verbally over the phone. So if it isnt, this company then did their information get hacked and leaked? 
Ive also asked them repeatedly to send me the original documents with my signature on it, But they refused to send the correct verification. They also at one point, said they would remove it from my credit report and never did I have emailed XXXX XXXX about the documentation and I am awaiting a response. XXXX XXXX has not harassed me about it. In fact, I dont even think I got communication when XXXX XXXX sold the debt because I dont recognize this account. I am only including XXXX XXXX on this because that is who the bureaus said is the original creditor
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AL)

I am writing to formally request your assistance in resolving a dispute I have with Westlake Financial Services regarding the inaccurate reporting of a charge-off account on my credit report. I believe that the reporting of this charge-off is in violation of the Truth in Lending Act ( 15 U.S.C. 1601 ) and should be corrected immediately.

As per 15 U.S.C. 1601, creditors are required to provide accurate and fair disclosure of the terms of consumer credit transactions. The reporting of a charge-off on my credit report has not only adversely affected my credit score but also reflects inaccurate and misleading information about my credit history. I believe that the reporting of this charge-off is not in compliance with the fair and accurate reporting standards mandated by the Truth in Lending Act. 

I have made several attempts to resolve this matter directly with Westlake Financial Services, but I have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to ensure that the inaccurate charge-off is removed from my credit report and that my rights under the Truth in Lending Act are upheld. 

Please find attached copies of relevant documents, including my correspondence with Westlake Financial Services, credit reports showing the charge-off, and any other supporting evidence. I kindly request that the CFPB review this matter and take the necessary steps to have this incorrect information removed from my credit report. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (WA)

CKS Prime Investments LLC violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). CKS Prime Investments LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not CKS Prime Investments , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Clark County Collection Service (NV)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Allied Enrollment Centers LLC (PA)

I have a student loan through XXXX and I was in the process of restarting my loan payments. I called the number for XXXX and I was connected to a company called Allied Enrollment and I thought that I was dealing with a company that was affliated with XXXX and that my student loan payments would be credited to XXXX. A few weeks ago Allied called me and advised me that they would need access to my XXXX account. I advised them that if they are affliated with XXXX that I should not have to get them access. They already debited XXXX  months from my bank account in XXXX and XXXX for XXXX. I did not feel comfortable about the situation so I told I would not give them access to my XXXX account. I recently received email from XXXX that advised me that they had not received any payments toward my loan. I want the company to refund my payments since they do not represent XXXX
Consumer complaint received 2024-08-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NV)

Well, its been different companies sending different letters. We have not received any proof of anything that started pretty much in 2022. They continue to threaten us that theyre gon na foreclose. I will include all the documents I received. I also had a lawyer that wrote them back, they never responded.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was never late on this account. 
Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion will not fix access to my online support. I have a user ID and password that I have advised no longer works and requested assistance. They refuse to fix my online access. I am the victim of identity theft and need access to my credit and be able to access my credit reports and freezes. TransUnion continues to send me oversees and the individuals do not assist and refuse to transfer to any type of manager. I need my online access as well as access to my credit report. They told me in my last dealings that I would " just not be able to get access to TransUnion. '' - It is unacceptable for a credit bureau to advise this and prohibit my access to my credit reports and ability to freeze/unfreeze my credit.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime (PA)

I bought a XXXX XXXXXXXX XXXX from Drive Time the first month I had it it needed over XXXX in repairs half of which was not covered in the warranty. I've maintained maintenance and regular oilchanges. But this vehicle was in bad shape when I bought it they claimed their mechanics did a thorough inspection but my mechanic said all the damage was old as it was very rusty. I have had nothing but constant problems with this vehicle spending thousands on repairs. Also they charged me a crazy amount of money for a car who's XXXX XXXX XXXX at the time of the sale was approximately XXXX. By the time my car is paid off it will be well over XXXX. They use predatory lending practices on people who desperately need transportation. I've been in XXXX with this vehicle. I'm poor and XXXX on a fixed income.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Herbert P. Sears Co., Inc. (CA)

XXXX the XXXX agency. Had called me and my wife. Threatening to have us arrested for a dental bill that was not paid. I lost my job during the pandemicXXXX XXXX XXXX charged the account out. XXXX bought XXXX account for Pennines on the dollar. They are saying I owe them money. I explained to XXXX who works there. I never signed a contract with XXXX XXXX I asked XXXX to remove the negative remarks. Off all XXXX credit reports. Which he refused to do. Telling me to pay the bill or else. Me and my family feel threatened by this. Can you please have XXXX to stop the harassing calls. And take the negative remarks off all XXXX credit reports. I would appreciate it.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA (IL)

To Whom It May Concern, I am writing to formally dispute an inaccurate balance that is being reported on my credit report by the following three companies : 1.HYUNDAI FINANCE XXXX XXXX XXXX XXXX Each of these companies is reporting that I owe a balance related to a repossession, which I believe is incorrect. I am requesting that these companies provide accurate reporting information, including a detailed validation of the debt in question, so that this matter can be resolved.

Specifically, I ask that the following actions be taken : Validation of Debt : Please instruct each of the above-listed companies to provide me with accurate and complete documentation that substantiates the amount they claim I owe.

Correction of Credit Report : Upon review and confirmation of any inaccuracies, I request that the account as a whole be promptly removed from my credit report.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it.

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I expect a thorough investigation into this matter.

Thank you for your prompt attention to this issue. I look forward to receiving confirmation that my request is being processed, as well as updates on the status of the investigation.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (MI)

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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXXXXXX XXXX XXXX IQ DATA INT IQDXXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP (TX)

On XX/XX/XXXX I XXXX XXXX # XXXX have been in the Oklahoma Department XXXX XXXX since XX/XX/XXXX serving a 25 year prison sentence. 
I Submitted a dispute for a checking Account beeing opened up in my name due to fraud, I sent is by way of Certified mail XXXX XXXX mail XXXX. Bank of Oklahoma never responded back. But yet this bank has Is filed a lawsuit against me in XXXX in XXXX XXXX XXXX XXXX Had this bank Done their due diligence and answered my dispute they wouldve have seen Ive been in the Oklahoma Department XXXX XXXX XXXX XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that XXXX XXXX bank of Oklahoma to answer this complain