davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XXXX was told when I talked to a representative this reverse mortgage was a program set up by the government for XXXX XXXX. For me, was advised it would act just like a savings account, if I needed money for an emergency, I could draw money from the amount my house was appraised at. At time of my death or moving out of house, my family would have the option to pay back the amount I withdrew or if was a large amount, turn the house over to them. All this was done over the phone and each and every time I talked with them, was the same, it would be an escrow account, or savings account. Being a widow, I thought this would be good for me as I didn't have much savings. In reading now online about reverse mortgages, says before a mortgage could be given, a counselor was to speak to the person and everything explained in detail. I never had that, and in fact each person that I talked to was more and more convincing how great it was, and their parents had it and was so satisfied and they knew I would be too. Never once did anyone say you are knowingly taking out a loan in the amount of the appraisal of your home, in which you will be responsible paying back plus interest even if you don't withdraw any funds. After receiving a few statements, I kept seeing all these charges and interest so called them to get information what it was all about. And each time was of that doesn't apply to you as you have an escrow account. And each time it was a different reason, even that I would be earning interest enough that could pay my property taxes each year. But no explanation how that worked. 
Was just a month ago when finally a man at the office rudely asked if I hadn't read the papers I had signed and I told him each paragraph was told, that didn't involve me as I was only doing an escrow account. I am just sick as now I have to tell my son he will have to pay this so called loan to keep the house. 
This is definitely a fraudulaunt business, and I was definitely misinformed from day one. I need to find a way out of this, I don't know what to do, I need help. 
The company is : Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, Mi XXXX. Phone XXXX. The original company was XXXX XXXX, Reverse Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, Ok XXXX I was definitely sold a scam, and how many other seniors are having the same problem.
Consumer complaint received 2024-03-16
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. (GA)

XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

Experian investigations results status remains as verified after XXXX reinvestigations. 
XXXX credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of XXXX and XXXX credit report that contains the investigation results. Experian and XXXX still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ) Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I did not receive a billing statement for the month of XXXX, though Mohela did withdraw my loan payment on XX/XX/. In early XXXX, I read that Mohela was required to provide me with my billing statement 21 days prior to my due date, and that there were millions of other impacted borrowers. The Department of Education has directed Mohela to place all affected borrowers into administrative forbearance until the problem is fixed, and my account was not placed into administrative forbearance. I called Mohela on XX/XX/23, and after 40 minutes of being on hold, I spoke to a representative named XXXX at XXXX ( XXXX XXXX ). XXXX informed me that Mohela " was all caught up '' and wouldn't be placing anyone into an administrative forbearance for a bill being " a few days late ''. I told her that I didn't receive a bill in my Mohela portal, and she informed me that the bill had been mailed. I said that I had elected all communication to be done electronically, and that everything these past few months had been provided via the Mohela portal, including my auto debit updates and my IDR confirmations. I asked her to place a copy of my XXXX bill into my portal, and she said that she couldn't because it had been mailed to me. I said that I did not receive anything in the mail, and that I wanted a copy of my XXXX billing statement put into my portal, and she refused. I also informed her that my XXXX bill had just barely been posted that same day, XXXX, telling me that my amount was due on XXXX, and that it didn't meet the 21 day requirement, to which she said, " We aren't going to [ place you on administrative forbearance ] because your bill was a few days late. '' I told her that the Department of Education has directed Mohela to put affected borrowers into Administrative Forbearance. As I did not get an XXXX bill, and my XXXX bill was given to me only 4 days prior to my due date, I am an affected borrower and should be put into Administrative Forbearance. XXXX responded with, " No, we aren't going to do that. I haven't been told to do that. '' I let XXXX know that I would be submitting a complaint to the Department of Education, which was submitted on XX/XX/23. As can be seen in the included documentation, my XXXX billing statement has a fraudulent billing date of XX/XX/23. The billing statement was provided to me on XX/XX/23, NOT on XX/XX/23. My XXXX billing statement has a fraudulent billing date of XX/XX/23, but it was not provided to me until XX/XX/23.
Consumer complaint received 2018-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I sent money through Paypal on XX/XX/2018 at XXXX. Later that day they said they are reviewing it and could take 72hrs. Its now been 4 days and counting, nothing has been released, the {$13000.00} has been out of my account since XX/XX/XXXX and no one answers my emails nor do they have an answer as to why my money is not available to the recipient or at least refunding my money. 

I even had a PayPal concierge send me an email stating it would be released in XX/XX/XXXX by XXXX. That too never happened. 


They said email XXXX they will respond. Its been 4 days now and no once has at least acknowledged one of my 5 emails I have sent. 

PayPal Transaction ID : XXXX
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

Around XX/XX/2023, my loan transferred to Shellpoint. I was on a forbearance plan prior with my previous lender servicer. New lending company acquired information during our phone call exchange around early XX/XX/2023 in terms of forbearance. Representative said that I didn't follow up with questions afterwards a week after to our first phone call and ding me that I was no on the forbearance plan and has impacted my credit and my co-borrower 's credit. I was told if this can be immidtaley repaired and fixed and was told no, i asked to speak to a manager immediately and was told management approved the fix however I am seeing my credit has dropped tremendously. Forbearance shouldn't impact my or my co-borrower 's credit based on the XXXX XXXX guidelines.
Consumer complaint received 2024-03-16
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)

The account with XXXX has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( Experian, XXXX, XXXX ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, Home Depot ( CBNA/THD ( Home Shopping ) made a hard inquiry on my credit without my permission. I complained to customer service. They told me that they would forward the matter to a supervisor to look it to what can done. Today I received a letter stating that no late payments had been reported to the credit bureau. ( Letter attached ) Well, I already knew that, and, that was not the issue. I want the inquiry removed since I did not authorize it.
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB (CA)

I made an XXXX purchase months ago ( XX/XX/XXXX ) and chose Klarna for repayment with payment to be automatically deducted. The autopayment worked well for a few months until my debit card number was stolen and I tried to update the number with Klarna 's system. I made numerous attempts to update the info or pay it in full but was unable to do so because they were having a system-wide issue with certain email addresses, mine included. When I called they stated that they were aware of the problem and would contact me once the issue was sorted and I could then either update the debit card on file or make a payment in full. I never received any correspondence from them but made many attempts and spent hours to check in and handle the issue. Each time I was told the same thing, that they would contact me once I would be able to login again. I was repeatedly assured that I would not incur a late fee or sent to collections. More time went by and then I started receiving emails and calls from XXXX XXXX a collection agency that Klarna sent me to. I addressed this again with Klarna and they stated that a supervisor would reach out to me. None of this ever happened. I was finally able to update my email and log in on XX/XX/XXXX but they would not accept my direct payment. It's insane that they can function this way with little to no customer service options and then able to damage my credit by their ineptitude.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

My computer was hacked on XX/XX/23. I logged into my computer and noticed screen sharing software called XXXX and XXXX were virally attached to my computer, giving access to my computer screen. Although I had password protection and dual factor authentication on my financial accounts, hackers were able to get access to my Western Union account and make 3 payments of {$6300.00} total before being caught. 

These programs allowed hackers to utilize my IP address. Once I found these issues, I hired an IT company and we immediately removed ALL programs and files from my computer ( not just the viral ones ), scrubbing it completely, and then reinstalled only the essential the programs I utilize that are safe and secure. I also changed the passwords to various accounts or shut them down. 

My bank, XXXX XXXX, has refunded me the money, but Western Union is saying since the transactions came from my IP address, it came from me, and the money is due. They are threatening collections.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting a XXXX XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc. (NC)

Sendwave attempted to draft {$930.00} from by business checking account without authorization. I had never heard of this company before receiving a fraud alert from XXXX XXXX Bank. I certainly did not intend to send {$930.00} to some random account operated by a company that primarily serves developing countries with foreign currency remittals.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (TX)

in response to complaint XXXX, Extra failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. XXXX is not an affiliate of Extra card and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

NOTICED ERRORS AND VIOLATIONS ON MY CONSUMER REPORT AND MADE CREDIT CONTROL SERVICE ( 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CREDIT CONTROL SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING FASLELY REPORTED TO THE CREDIT BUREAUS THAT AN AMOUNT OWED OF {$220.00} IS OWED. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF H
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

I was contact by Conserv XXXX ( a governement debt collection agency ) regarding a housing and tuition debt through the VA. The women ( XXXX ) on the phone contacted me at my place of employment and kept saying she was calling on behalf of the United States Treasury Department. She repeated the name several times in an attempt to scare me. She used a very stern voice as she repeated " The United States Treasury Dept '' many times. I explained to her that I was going through a divorce and was a victim of XXXX  XXXX and I was trying to get my affairs in order. I asked her if there were any hardship programs or anything available to me to help resolve this isse. She said no that I was beyond that point and needed to set up a payment plan immediately. She updated my monthly income and monthly expenses. After doing so she offered me a payment plan at over {$900.00} a month for 24 months. I told her that was completely unaffordable, she then said the longest she could go is 36 months for $ XXXX a month. I told her that was still unaffordable. She said that's the best she could do. I told her I couldn't start making payment until XX/XX/XXXX and she insisted I start on XX/XX/XXXX. After I told her I couldn't commit to that she said ok that the calls collection action would continue. After she got coerced the information out of me and was closing the call her tone of voice was completely different and even friendly. 

The issue I have with this is she seemed as though she was trying to impersonate some sort of collector from the US Govnernment becuase she kept saying " US department of Treasury during the call, the plan she offered DID NOT taking any of my shelter, utitilities or food costs into consideration and I felt completely scammed after dealing with her because of the sense of urgency she tried to set. After doing research to see if they were a legit company I see they pride themselves in being the # 1 in getting results. That's because they use deceptive practices to con people into commiting to something that isn't feasable in an attempt to meet their collection numbers. She did not help me come up with any kind of plan that would help me resolve this debt taking into consideration my living expenses. I also see where the department of treasury goes longer than 36 months for payment plans after she told me she would check with her " manager '' then comes back on the phone to say no they don't go longer. If they company did this to me then they are certainly using scare tactics on other people. Not only did they call to collect balance due which I understand I'm responsible for and want to make good, they tacked on over {$8000.00} in " admin '' fees. 
I'm obviously struggling with the actual debt but then adding the admin fees on top doubled the amount I owed and made the payment plan unaffordable.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my report. Here is the list of inquiries which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

NOTICED ERRORS ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERV ( A 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND OR VILOLATIONS AS IT PERTAINS TO FDCPA, FCRA, CFPB AND PUBLIC LAWS AND 3RD PARTY DEBT COLLECTION. 

1. CREDIT COLLECTION SERV, WAS SENT A NOTICE OF ERRORS AND VIOALTIONS AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT I HAVE NO AGREEMENT OR CONTRACTUAL OBLIGATION WITH THEM 3. ALLEGED DEBT WAS CHARGED OFF BY ORGINAGINAL ALLEGED CREDITOR XXXX XXXXL 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR 4, THEY HAVE 3 ACCOUNTS REPORTING ON MY CONSUMER CREDIT
Consumer complaint received 2023-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (PA)

Paid all of the property taxes for the 2023. Asked for a refund of the money in the escrow account intended for tax payments. Didn't get a refund or my monthly mortgage payments adjusted.
Consumer complaint received 2024-03-16
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 2023