davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Please be advised that I purchased a home on XX/XX/XXXX, I purchased the home with monthly payments calculation of XXXX with insurance and taxes. 
I was paying through XXXX until XXXX XXXX without no problems, lender was withdrawing automatically from my bank account. Suddenly, on XX/XX/XXXX, I RECEIVED a mortgage payment for {$8000.00}. I was XXXX and I called them and requested an explanation with no respond. Everyperson were saying something different. They were saying first the insurance with wind and other were saying short escrow. Every time that I called, I requested for them to record conversation in case that I need to go to court. I am very distress because they added wind coverage which it was not requested 2 years ago plus they backdated the escrowed since the time of purchased. I send last year on XXXX a certified letter for them to send me an explanation and still I did not received such letter. I am in a very bad situation because I am not in the position to pay such amount of money especially when the lender took my insurance without wind and they added insurance backdated. I had found that Select XXXX  has similar sued from different people like XXXX Virginia consumer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX case XXXX XXXX District Court SD FLORIDA. 
The following are my complaint : Mortgage holds the funds in an escrow to pay taxes and insurance on behalf of borrower which this arrangement are not explained thru fully to the consumer. 
XXXXThe lender is required to provide with mortgage service disclosure statement with details. 
XXXXIf cost of homebuyers is inflated beyond what is standard, this can also be consider RESPA VIOLATION. 
XXXX The fraudulent deceptive and unfair tactics to make us believe that the mortgage monthly is appropriate and later we can not afford it. 
I have all the proof which I am also consider writing to the Department of Housing about this. I am in a situation where Select Portfolio has been sending letter treated me of foreclosure the home. 
PLEASE let me know what you need from me to send, I am not able to pay any longer outrageous modifying fees from Select Portfolio. 
I have been borrowing money and I am up to date. 

Thanks XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (SC)

I've discovered fraudulent inquiries on my credit report and seek your help to remove them. I haven't engaged in any transactions related to these unauthorized inquiries and am unsure how they occurred. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

Hello and Thank you in advance for looking into this. 

After several years as a costumer, I closed my account with XXXX and asked to cease all services with that company due to increasing cost ( about {$150.00} dollars monthly for one cellphone line ), I did this over the phone on XX/XX/XXXX, unfortunately I failed to ask for written confirmation. For some ( illegal ) reason, XXXX XXXX continued to bill me monthly for internet services for an XXXX, I just noticed this fraudulent charge in my credit card statements and reported it to XXXX XXXX. XXXX was not authorized to charge my credit card past XX/XX/XXXX, and yet, they continued to do so for a service they were not providing and I did not wish to continue. That is theft, in simple words. 

So far, XXXX  has hired two collection companies to contact me about this issue, details below. The latter company has contacted me twice now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AmSher Collection Services, XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AL, XXXX ; XXXX : XXXX XXXX XXXX XXXX, contacted me by mail on XX/XX/XXXX, and again on XX/XX/XXXX ( I believed this was illegal after I sent them a dispute notice on XXXX XX/XX/XXXX ) I have kept all these three dispute notices for my records. 

I do not owe money to XXXX. I fear that at some point, they will hire another collection company and for some reason, I will not receive the notification in the mail and my credit scores will be affected. 

What can I do to cease this nonsense?? Do I have any protection as a consumer??? 
Thank you
Consumer complaint received 2024-04-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I have been receiving over the past few months, 7-8 calls per day from XXXX XXXX . I have asked them to abide by the laws and to not call me back to back between seven and eight times or more sometimes per day they do call early morning Sundays, as well as Saturdays, they call even though I have made a payment or made payment arrangements. They still will call this has become harassing at this point stressful at least also, they call from unknown numbers as well.
Consumer complaint received 2024-04-08
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. (NM)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2024-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (AR)

I had mailed in a cashiers check for my mortgage payment on XX/XX/year>. My bank isnt local so I had to request it over the phone. I was unaware that a number in the memo line was incorrect, the memo line whats supposed to have our loan number in it. When the mortgage company received the check they wouldnt apply it to our loan due to the incorrect loan number in the memo line. It supposedly was mailed back to us. We never received the check yet it was cashed. After months and months and of back and forth between us and the mortgage company, Planet Home Lending and our financial institution, XXXX XXXX XXXX XXXX, we got copies of the check that was stolen and others that had been paid to our mortgage. We saw the clear differences between them and knew that someone had stolen our money and it was most likely someone from the mortgage company who did it and never mailed the check. The check on the left is the check from XX/XX/year> with is the check that was stolen. The check on the right is the check we had to mail in for our XXXX payment with was a double payment PLUS late fees due to the stolen check. You can clearly see the differences. The stolen check was signed on the back and the check that was applied to our mortgage has a stamp. When our credit union looked up the info for the check that was stolen, none of the info matched with us a clear indication that it was fraud.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, XXXX and Trans union has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to Equifax- the fraudulent loan remains on the Equifax credit report. 

At this point I am unable to review XXXX and XXXX- not able to access their website. 

Thanks in advance for any assistance you can provide.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XXXXThe bank created an early deposit program where money is available in your account up to two days prior to your initial payday. I had money deposited into my account and I began to pay bills. I noticed that on the next day, my account was negative XXXX. I called to see what was happening and was told well your statement balance at the end of the day remains the same even though you have access to the money. I shared with the representative that the statement disclosure she shared was not on their website and that I took screenshots of what it says. I also shared it is misleading to customers and wanted my money back to make my account not be negative. I was told they could not do that and referred me to a supervisor that did not help. The supervisor then told me my account at XXXX  on XX/XX/XXXX had a balance of XXXX and when the first bill posted on the XX/XX/XXXX, my account was negative. The supervisor then stated that my deposit posted on XX/XX/XXXX. I shared that isnt possible if my account reflects I have funds and were making purchases from my XXXX account that pay out immediately. The supervisor continued to say that even though I have access to those funds, those funds arent really in my account. I asked for the money back or to make my account current and the supervisor said she was unable to do that and would make a note to update the language on the website. 

XXXX My account is now negative XXXX as bills are posting. The deposit the representative said posted on XX/XX/XXXX still reflects as pending. There are still no updates on this process and I informed them I will be leaving the bank after all my bills clear and take my business elsewhere. You can not think you are helping customers and not be honest about what you are advertising. It is misleading.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P. (FL)

I am writing to file a formal complaint regarding a credit account that originated with XXXX XXXX XXXX  and is currently in collections. The account in question has been subject to fraudulent activity, and despite repeated attempts to address the issue with the bank, the matter remains unresolved. 



The fraudulent activity on the account was first identified on XX/XX/2023 Following the discovery of this fraudulent activity, I immediately placed a fraud alert on the account and began communicating with XXXX XXXX XXXX  to rectify the situation. Over the course of XX/XX/2023 to present, I have sent several letters to XXXX XXXX XXXX  detailing the fraudulent charges and requesting that appropriate actions be taken to address the issue. 



Despite my repeated efforts to resolve the matter, the account remains in collections, and XXXX XXXX XXXX  has not taken sufficient steps to rectify the situation. I have diligently followed the necessary procedures and provided all relevant information to XXXX XXXX XXXX, yet the issue persists. 



I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that the appropriate actions are taken by XXXX XXXX XXXX  to address the fraudulent activity on the account and remove it from collections. 



Thank you for your assistance in this matter. I look forward to a prompt resolution and appreciate your attention to this important issue. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX we had a credit card fraud where a fraudster called saying they are from Sams Credit card and made 9 overseas fraudulent charges to our Synchrony Bank Sams Card ( XXXX ). 
We trusted the call as we were working on a separate Synchrony Bank credit card fraud with following details, o XXXX XXXX ( XXXX XXXX XXXX ) o Card Number : XXXX We were in the USA. We do not make overseas charges and such substantial charges on this card. It can be verified by the history of usage. 
Charges were made as follows, o 4 charges at XXXX XXXX XXXX XXXX. 
XXXX search shows they are from XXXX and website to be XXXX XXXX XXXX with headquarter in XXXX ( $ XXXX $ XXXX $ XXXX {$900.00} = {$3600.00} ) o 4 charges at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX $ XXXX $ XXXX {$12000.00} ). Appears to be an XXXX and XXXX based outfit. 
o One charge at XXXX XXXX XXXX ( {$370.00} ) - We called Synchrony Bank right away ( same day within an hour ) as soon as the fraud was recognized. XXXX Call Log was provided to the bank. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 6 ) Since then, we have been in constant touch with the bank. They have conduced five investigations with following resolutions, 1. Opened XXXX ; Closed : XX/XX/XXXX. 
I. Resolution-1 : The purchased items were shipped to your address. 
2. We called back and the investigation was reopened a second time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-2 changed to : You Authorized, participated in, or benefitted from the purchase. 
3. We called back and the investigation was reopened 3rd time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-3 same as Resolution-2 : You Authorized, participated in, or benefitted from the purchase. 
4. We called back and the investigation was reopened 4th time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-4 changed to : We have received no proof that credit is due on the account from you and or the merchant. 
5. We called back and the investigation was reopened a 5th time 0n XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-5 ; Same as Resolution-4 : We have received no proof that a credit is due on the account from you and or the merchant. 
7 ) Synchrony bank failed to protect us due to their poor vigilance. 
8 ) Synchrony bank has reported to credit report agencies that has negatively impacted my credit score 9 ) We filed police reports for the fraud. That further confirms that we have not benefitted from these charges, and they were fraudulent.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC (PR)

Im trying to voluntary resign the car because I move to XXXX XXXX and the bank didnt let me take the car with me. 

I make the calls every week since XX/XX/XXXX and we are on XXXX they pass my to different levels of employees and no one can resolve the problem.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NJ)

In XXXX, XXXX alerted me to fraudulent charges. I went onto XXXX and changed my password as they advised. A few days later, they alerted me again, and there were 11 total charges for the same merchant ( that were not made by me ). I opened a dispute with XXXX, and a few days later, they credited me for one of the charges but not the others. My credit card bill was coming due, so I called Barclays Bank and disputed the remaining charges. They credited all the charges back to my account but added some back on earlier this month and the remaining ones a few days ago. After multiple phone calls to XXXX and Barclays, I was told by XXXX that they could not resolve the dispute because they were still waiting to hear back from my creditor. Barclays says they added the charges back onto my account because XXXX confirmed they were valid. My credit card bill is due, and I do not have an extra $ XXXX to cover these charges. I have excellent credit. I do not want to ruin that, but what else am I supposed to do? I can't believe neither of these companies has been able to do something to resolve this issue.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

Hi PayPal, A couple of weeks ago, someone hacked my PayPal account because I lost my mobile number and they were able to reset the password. I managed to recover the account a few times, but the hacker kept resetting the password and transferring all my money to two of their own PayPal accounts. 

Here are the transaction details : Transaction One : XXXX - Amount transferred {$180.00} USD Transaction Two : XXXX - Amount transferred {$96.00} USD I opened an unauthorized dispute, but it was closed, and the reply was that no authorized activity was found. I don't understand how this is possible. My money was transferred without my permission, and my PayPal account was permanently suspended without my knowledge. Now PayPal is telling me that the transaction is consistent with my PayPal history, but it was unauthorized.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-01
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 (GA)

CAPITAL ONE IS ILLEGALLY REPORTING LATE PAYMENTS TO XXXX AND XXXX FOR ACCOUNT XXXX. 30 DAY LATE PAYMENT XX/XX/2019. 15 USC 1681a section 2 provides exclusions to the term " consumer report ''. The term " consumer report '' does not include : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.