davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (NC)

i have sent the check numbers with amounts of each check that cleared thru my bank but the company says i have not made a payment for the past 7 months, i have proof demonstrated by the cashed checks at my bank. i provided this proof at least 5 times over the past year as this is an on going accusation of this company. each time they send me a statement saying I owe over {$3000.00} to be satisfied in a month or they will foreclose. I called 2 days ago and finally got a live person on the phone which was no help at all as the person was rude, condesending and accusatory and told me to shut up so he could talk. I called to make arrangements to satisfy the balance in question but was told the statement was correct and I was to stop talking over him and it did not matter that I was called to ask for modification as I had recently had XXXX XXXX XXXX and was still under the cardiologist care. I got off the call with NO results and very frustrated about my mortgage. I did not appreciate being talked to like a child ( i am an educated XXXX yr old man ) by some punk who refused to listen to me. 
sincerely XXXX XXXX
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (TX)

XX/XX/XXXX I received a call from an Affirm automated system indicating that someone was attempting to change the phone number on my account. Called Affirm to report and I was told there were no transactions. Affirm text and called in XXXX requesting past due loan payment. XX/XX/XXXX I discovered the unauthorized loan # XXXX and reported the fraud to Affirm. I was told the company would take 30 days to investigate. XX/XX/XXXX I received an email from Affirm stating that I am liable for the loan. XX/XX/XXXX I received another automated call from Affirm stating that someone was attempting to change the number on my number. I called Affirm again to report. I was told that the company would investigate and that my account would be frozen for 30 days, prohibiting any further transactions. XX/XX/XXXX Affirm completed an unauthorized draft my account checking account for loan # XXXX. On XX/XX/XXXX I logged onto Affirm.com to pay the XX/XX/XXXX loan and discovered three new loans that originated on XX/XX/XXXX. One day after my account was supposed to be frozen. XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and was told that I am liable for the loans and my account can not be closed for future transactions.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

Procollect has not provided the information that they stated they would provide. They have not verified the debt, provided an accounting of the debt, provided a copy of the debt with wet signature as stated in their response to the CFPB.
Consumer complaint received 2024-02-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (LA)

I rented a vehicle from budget which was XXXX I believe attached is reciept and my card was locked at the time and chime charged my card {$6000.00} on a prepaid credit card with XXXX dollars in account cause I paid the rental car already and my card was locked they said it was a forced transaction
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (OH)

I purchased a XXXX XXXX XXXX  account # XXXX on XX/XX/XXXX in the amount of XXXX. That car was a lemon. I noticed the car started making noises around XXXX. I called the car company to see if I had a warranty to get it fixed. I did. They gave me a place to take the car and get it fixed. I did. The car came back worse. It now had a major oil leak and went down fast. I was paying {$300.00} every XXXX weeks up until that point. I could not afford to pay for a broke down car. I had to pay for rides to work and gas, plus people time. The car went down between the end of XXXX and XX/XX/XXXX. I didn't even have the car a whole year.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC (DE)

I have a late report of XXXX days in XXXX of XXXX. I know this was around XXXX and I probably called for help and they denied I dont remember. I do know that since then my payments have been more than the minimum and on time. I called today to ask them as a courtesy because I am trying to buy a house can they remove the XXXX day late report from XX/XX/year>. They said I had to write in.
Consumer complaint received 2024-02-21
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: TD BANK US HOLDING COMPANY (RI)

Late last year, TD Bank experienced major issues with it's online bill payment system that prevented users, myself included, from submitting payments online and via their mobile phone app. As a result of this issue, I was unable to submit payment for my TD Bank credit card until well past the due date. However, they were notified multiple times that I was trying to make a payment on the account during this time. 

I accrued a late charge with interest and I notified them to remove these charges since I attempted to make payment in good faith and could not do so. They told me in writing that once I made payment, they would remove the charges. 

After they finally fixed their system, I made payment in full as promised. However, they removed the initial late charge and interest and subsequently added new late charges and interest. The entire current balance of my card is late charges and interest they assessed after assuring me they would be removed. I notified TD Bank that these charges are erroneous and will not be paid. 

TD Bank is now going further and notifying credit bureaus that I was delinquent on this account and continue to be delinquent, which is categorically false. TD Bank has been paid in full for all purchases made on the card and the fees assessed are the result of their own system issues. 

Though not the basis for this complaint, TD Bank then subsequently lowered my credit limit to {$500.00}, with the implication that I am suddenly not credit worthy because TD Bank 's IT Dept doesn't know what they're doing. 

Attached doc shows all transactions since XX/XX/2023 with all additions being late charges and interest based entirely on previous late charges and interest which TD Bank lied about removing.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Fidem Baltimore Holdings LLC (CA)

This account was closed at my request, I had paid the balance in full. 
There was residual Interest that I was unaware and was not told about, and discovered only thru my credit reporting agency. 
It was only {$3.00} I asked for them to not hurt my credit for only XXXX dollars but they still report late, after several disputes they still refuse to remove the 30 day late from my credit.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (MD)

I understand that it is my right to obtain a copy of my NCTUE report, under the Fair Credit Reporting Act. I am requesting a copy of my NCTUE report sent to me via mail.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio Recovery Associates scared me into signing a judgment order past the statue of limitations date. I signed the judgement XX/XX/XXXX not knowing that the statue of limitations was 2 years past the limit for Mississippi. The last payment on the original account was XX/XX/XXXX. Mississippi statue of limitations is 3 years. I have requested for the collection to be removed multiple times with them saying that the debt is valid. I recently requested validation and then discovered that they unlawfully had me sign a judgment order past the statue of limitations for a credit card debt.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

IQ DATA INTERNATIONAL XX/XX/2022 I've contacted IQ DATA INTERNATIONAL regarding a debt on my credit report in the amount of {$1200.00}. I've requested documentation and they will not provide. Only documents they provide is balance due. This account was paid in full to former company XXXX XXXX now XXXX XXXX. Since the request they've been harassing me for payment.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (OH)

I have had this debt removed several times and it seems it keeps getting sold to people that put it back on my credit report as delinquent. The original debtor was sprint cell phone and it was removed once the reporting agencies looked into it. This was several years ago and i dont think i should have to keep starting cases to get it removed. The debtor now is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN. XXXX For {$720.00}. Can someone please fix this so i dont have it come up again?
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Amount of {$2100.00}, XX/XX/XXXX to present. Threatened an eviction, said we had to pay the full amount and it wouldnt remove the eviction. After speaking with the courts there isnt a pending or filed eviction. The apartment company spoke with me stating there isnt an eviction and that there shouldnt be charges for the next months rent since we moved out before.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (CA)

So, basically this company along with XXXX XXXX XXXX XXXX have violated my HIPAA rights, because I didn't give anybody permission too release my information too anybody for any reason. 
Not provide me with the proof that I do owe ANYBODY, especially Fin Credit Network, that i have requested multiple times through email and writing. They will not send me any type of proof, whether it be written contracts, authorization for release of information form or anything with my wet signature on it. They will only send me a validation bill. I have been fighting to get this information off of my credit reports for year 's.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I am 'Marcus by Goldman Sachs XXXX customer and have owned a savings account with them for a year almost. I had roughly ~ {$4000.00} in my savings account which I tried to transfer out to my checking account. The next day my account I open the app to check the status of my transaction and I see that my account has been locked out. I call their support team and they say that they will help me unlock my account by verifying my identity. I provide them with my Date of birth, full name, address, my social security, my secret catch phrase that i setup in the account. They say that okay to unlock we need to send you an OTP on your registered phone number. I own that phone number and its working completely fine but they say that they cant trigger an OTP because my name doesn't associate with the phone number. they ask me to call my carrier, I did calXXXX XXXX XXXX and they 100 % assure me that my name is correct and I can also see it on XXXX XXXX XXXX and everywhere. Its only marcus 's system that says that my name isn't associated. They ask if they can verify me using my driver 's licenseXXXX XXXX XXXX XXXX XXXX XXXX  barely making ends meet here and I don't own a drivers license. Now they have flagged my account for investigation. Marcus had all my savings {$4000.00} that i need to survive here in the US including paying my rent and food. I explain them my situation that I really need access to these funds and I beg them to verify me however they wish, I have access to the registered email and the registered phone, I can share my full social security but they say no we can only verify via phone number name association and drivers license. I feel so helpless that they don't have a branch that I can go to for help. I am crying here all day as my money is lost. I can't pay rent or eat food.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio recovery for XXXX items has been repeatedly asked to verify debt. Attempts to do this with them and XXXX, XXXX, and XXXX as well. The dates of these letters being sent out were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of these letters were sent out by XXXX XXXX XXXX as my representation in this. The contact information for XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. ( XXXX ) XXXX As of today, my representatives and I have not received anything to verify the debt. 

Since this has not been verified it should be removed from my credit report, per the Fair Credit Reporting Act.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I keep getting calls from a key locating service from Arizona, thats how they explained it to me. They call, sometimes, several times a day with different phone numbers. When I confronted the caller she said, oh its different services, they use. Most times, when they call and I answer, they just hang up. When I do get an answer, they are abrupt and aggressive about me identifying myself with personal information, so they can continue the conversation, is what they tell me. When I do not provide personal information they become almost threatening saying Ill be hearing from them in this litigation matter.
Consumer complaint received 2018-11-13
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 — Investigation took more than 30 days
Company: Selene Finance LP (HI)

I am in the middle of a refinance. I have signed loan docs and gone through the recission period. At closing the new lender ran a new credit report and found that my ex husbands loan is now showing delinguent instead of as a foreclosure. It was showing properly in XXXX when I received my loan approval. The new lender has my divorce papers that show this property was awarded to him, my ex and we also provided a copy of the comissioners deed to confirm the foreclosure. This is where the problem begins. The loan was with Selene Finance and the loan # XXXX and the old property address was XXXX XXXX XXXX XXXX # XXXX XXXX hawaii XXXX. I have been calling this lender since last week Wednesday and they just give me the run around and nobody there can help me. I have asked to get to corporate and many supervisors all of whom cant or wont help me and the credit bureau will not fix the incorrect reporting without a letter from selene and they tell me only only someone in customer service can do this and that I have to email them. I have done this and they still say they have no email from me. I am now being asked for extension fees in order to keep my loan approval good until such time that they decide to help me. I am going to be saving over {$600.00} per month on my payments and I would like Selene to pay any additional cost that I will incure due to the miss reporting on my credit report from this company. My email is XXXX and would appreciate anything you can do to assist me.
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CO)

I have been carrying a balance with my Citi card ( last 4 numbers are XXXX ) for a couple of years now paying at least 21 % interest or more. This account has since been closed but I am still paying the high interest on this account. I am now in the position where I can transfer this balance to another card with a much lower interest rate. However, the new company needs a complete credit card number in order to transfer the balance. Unfortunately, I shredded my card long ago and dont know the full account number anymore.. I have asked Citi to provide me the full account number, but they wont provide it to me over the telephone or over email. They have said that they will send me a letter via US mail with the entire account number on it in 7-10 days. However, I have still not received such a letter in the mail. I have requested this letter at least 4 times in the past month but I have never received a letter. I think that they are purposely dragging their feet so that they can continue to charge the high interest. I would appreciate any help that you can provide, thank you.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

This is a complaint against Early Warning Services ( Zelle ). I have a bank account with XXXX and I wanted to reduce the maximum amount that can be sent via Zelle so as to minimize potential fraud for my XXXX XXXX XXXX mother 's account ( I also am POA, and joint owner ). XXXX indicated that it is " impossible '' to lower this amount, per Zelle. However, they acknowledged that every account/user ID can have a different limit that is set by some unknown AI process. They also admitted that it could be as low as {$500.00}, which is what I wanted. XXXX repeatedly claim that THEY have nothing to do with XXXX, and have no influence over their process/procedures even though they are a co-owner with 6 other banks. They " pretend '' Zelle is just some product that they happen to use, which is a lie. XXXX  is not adequately allowing consumers the ability to protect themselves/limit their fraud exposure by not allowing a consumer to reduce the maximum amount of a transfer. XXXX and the 6 other owners could immediately have XXXX  implement this change, but they refuse to do so putting consumers at unnecessary fraud risk.
Consumer complaint received 2024-03-24
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. (CA)

On XX/XX/24, I received notice that the account XXXX XXXX XXXX XXXX was removed from my XXXX credit report. However on XX/XX/24, I received another notice that this same account was re-added to my account. I asked for certification of this account belonging to me but I was never given this certification. Also there are inaccuracies for this account across all the 3 credit report. I am asking this account be removed from my XXXX and Experian credit reports.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NJ)

I was excused in making payments because I signed forbearance agreement with TD Bank. 
Please Correct this inaccurate information on my credit report. 
Account name - TD BANK N.A. 
Account type - Mortgage Date opened- XX/XX/2015
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (VA)

LexisNexis is transmitting credit reports to 3rd parties that include negative information that is more than 10 years old. 

My consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/year>. 

on XX/XX/year> I filed a verbal dispute with LexisNexis outlining the 6 items that I am challenging. Their time frame for a possible resolution is 40-60 days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. 

My case number with LexisNexis is XXXX.