davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (FL)

After researching online for best CD rates - I chose to open an account with E-Loan - an online business. As an online business - account holders are to have 24 hour online access to all accounts. The process was simple enough. However, after opening the account ( for & XXXX ) I was unable to log in using the information credentials that were supposedly on record. I have tried several times ( as soon as 1 day after opening account ) to just get my initial investment of {$25000.00} refunded to the XXXX Bank account from which it was transferred - because an online bank ( CD ) account that can not be readily accessed is unacceptable. E-Loan wants to charge me 2 years interest - even though zero interest had been earned at that time. They also told me that no time frame was available for when they might " fix '' the log-in problem! The account was opened on XXXX/XXXX/15 and I filed a complaint with the XXXX on XXXX/XXXX/15 after not being able to log-in. XXXX complaint number XXXX.
Consumer complaint received 2015-06-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC (OH)

A XXXX XXXX called stating i owe a debt of XXXX dollars and asked for my employer name and credit card number. she knew my last XXXX of my ssn, my address and birthday. When i asked to send proof od debt in the mail she would n't. I placed fraud alert on my credit til i know if this is legitimate. She then had a man call me threatening legal action because i did n't give a credit card number and when i called back he claimed to have a lawyer next to him ready to take action if i did n't pay Please tell me if this is legitimate or not. The name is stp and the numbers they called from are XXXX and XXXX
Consumer complaint received 2016-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CA)

I have a HELOC with XXXX XXXX XXXX and I was approved for a trial loan modification with payments of {$3100.00} starting XXXX XXXX, XXXX through XXXX XXXX, XXXX. I made the first trial payment to XXXX XXXX XXXX on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment and on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment. I received a transfer notice from XXXX on XXXX XXXX saying my loan was being transferred to Selene Finance effective XXXX XXXX, XXXX. 
Selene would n't accept my third trial payment due for XXXX XXXX, XXXX. A new assignment of the Note was recorded on XXXX XXXX with XXXX XXXX as the Trustee for the Note. Selene approved of a loan modification with payments starting XXXX XXXX, XXXX and a payment of {$4400.00} a month, an increase of {$1200.00} a month from the trial mortgage payments that XXXX approved. Selene never gave an explanation as to why the increase in the permanent loan modification. Also the Principal balance of the loan modification is {$840000.00}. However, the loan started off as a Home Equity Line of Credit for {$500000.00}. After requesting an explanation in the {$340000.00} in charges, Selene could n't give an explanation other than saying its a modified interest bearing amount on a Home Equity Line of Credit ( HELOC ) After I rejected the offer, Selene said that would proceed with foreclosure and Selene recorded a 20 Day Notice of Sale on XXXX XXXX, XXXX
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full.

- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment XXXX XXXX XXXX  Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc. (IN)

in XXXX of XXXX 2 fraudulent loans were taken out in my name for 2 different XXXX XXXX XXXX XXXX  trucks. i did not buy these vehicles nor did i ever receive these vehicles. they have never been registered to me nor were the titles ever sent to me. i was told the loans originated from a company called XXXX XXXX  out of XXXX Florida. i filed a police report with the XXXX police department REPORT NUMBER XXXX. the detective confirmed that these vehicles have never been registered to me or ever registered in the state of Indiana where i reside. consumer portfolio services was contacted when i began receiving letters last fall only after whoever took these loans out stopped paying them. i was not protected by these companies, they did not confirm that it was actually me that took these loans out. I also found out by consumer portfolio services PHONE NUMBER XXXX, that the XXXX XXXX that consumer portfolio services had loaned money on was DOUBLE FINANCED AND ANOTHER BANK HOLDS INTEREST. THE OTHER LOAN COMPANY INNOVATIVE LOAN SERVICING, PHONE NUMBER XXXX, STATED THAT THEY HAD OTHER PEOPLE COMPLAINING OF THE XXXX PROBLEM. FROM XXXX XXXX AND XXXX XXXX. I also found the other XXXX XXXX for sale online at a dealership in north carolina.
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (TX)

I called and requested a payment extension on both of my loans with XXXX. The first one on my primary vehicle was processed no problem. I was even able to sign the payment extension through a secure website and within 2 minutes. The next vehicle not so easy - I was told that since I went through a contact center in XXXX, TX that they did not have the capabilities of doing e-sign. I requested that option because of the ease of use and that my situation was quickly resolved in that manner. I then was told that they could fax the document to me ( which I dont have a fax ) or that they can mail it to me. I chose the option for them to send it to me via US Mail. Upon my receipt of the document ( mind you the same one that they could not email me ) I signed it and followed the instructions at the bottom of the agreement to fax or mail ( which I mailed ) a copy to them and to keep a copy for my records ( which I have a copy of the document ) the document that I signed and returned via US Mail. Come to find out my account is now almost 60 days behind because they stated that they never received the document at the address in which they provided as a good contact address for this transaction. I called and spoke to a XXXX who said that I should have called to confirm that the document was received. The document does not state anywhere on it that I should follow up to make sure it was received as that was not a condition that was stated in writing that I should follow to make sure that it was received. The representative then transferred me over to a supervisor who stated pretty much the same thing and seemed to insult my intelligence all in the same interaction. I think that if mailing was an option that was stated as a viable option to assist in this matter and I did everything that was requested of me to sign, return and keep a copy that my original agreement should be honored and that I as the customer should not be penalized for a lack of receipt on their end -especially when e-sign was offered before.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In Accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

I had XXXX XXXX XXXX contacted me multiple times to collect debt on an account that was result of identity theft. They called my mother and myself harassing us. The case is being reviewed by the original company again and I asked them for the call logs regarding the times they contacted me. They have not responded and seem to not want to give me that information.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent out a letter to each credit bureau on  XXXX / XXXX / 2017  requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a  3rd party  company and I am unaware as to where this bankruptcy information is being reported from.
Consumer complaint received 2023-05-31
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. (TX)

XXXX XXXX XXXX XXXX opened : XXXX This company has been reporting inaccurate information on my credit report duch as the following : 1. It charged of the debt, but says there os still a balance. Which they can NOT take the loss on their taxes & collect the alleged balance.

2. They dont have any payment displayed or registered from open date of XX/XX/ through XX/XX/ 3. How can an account be charged off in a month if my open date is XX/XX/ and last payment is XX/XX/ as reported?
Consumer complaint received 2023-05-31
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2017-03-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I filed for Chapter XXXX in XX/XX/XXXX and have been discharged in XX/XX/XXXX. I was receiving statements from XXXX XXXX XXXX ever since my loan was reinstated. Recently, on XX/XX/XXXX, my loan was transferred to SLS. I reached out to SLS to inquire about my mortgage statements. SLS insisted I am in active Bankruptcy and because of this, I will never receive any statements. In the meantime, I am blocked from seeing any information online as well. I wanted to make sure my payments were appropriately sent and received by SLS on a timely basis, especially because I never received any payment coupons since the transfer ; and to ensure I am sending the correct amounts due since I also have an escrow account which is analyzed annually. I have reached out to SLS but due to my active bankruptcy status on their records, Customer Service would not entertain my call. I have been transferred to several departments, on hold for 30 minutes at a minimum, only to be told I was connected to the wrong department. Customer Service would n't talk to me and would transfer me to the Bankruptcy Dept. Bankrptcy Dept says I was transferred to the wrong Dept because I am not in active Bankruptcy and would transfer me back to Customer Serivce who in turn would say I was transferred to the wrong Dept and would transfer me back again to the Bankruptcy Dept. I spent 2 hours today being transferred only to end up being told the offices are now closed. 
I just want my latest statement or a payoff demand. Your assistance is greatly appreciated.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Repeatedly receiving phone calls from XXXX, Ohio ( XXXX ) area code,XXXX.-XXXX. Please note this is just one number they have attempted to call me on. I have blocked numerous other numbers 's from this same company in reference to a XXXX 'S account over the past 8 month 's. Be advised I have never had a XXXX, S account, this was also explained to the caller the one time I answered but the calls have continued on nearly a daily bases. It was suggested that I file a complaint with the CFPB about these calls. Also note that no message was left with a call back number or reason on any of these calls. 
Below is a list of other telephone number used by this company : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : XXXX ; Has violated my rights 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

On XX/XX/XXXX I sold the property that the mortgage is for. It is now XX/XX/XXXX and I have still not received an escrow refund check for over {$1000.00}. 
I reached out to the mortgage servicer, PHH mortgage, and they informed me that PHH does escrow refunds in 'batches ' and it is likely that my batch had not been processed yet. It is my understanding that mortgage servicer 's have 20 business days to refund escrow accounts, and I am now at nearly 40 business days.
Consumer complaint received 2021-07-29
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: Creditors Bureau Associates (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... CBA XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

We are XXXXXXXX XXXX XXXX and are the victims of a very sophisticated and deceptive targeting. We are Private Clients of Chase Bank - XXXX XXXX XXXX XXXX XXXXXXXX. Without us giving out any private/sensitive information the perpetrators were able to 1 ) utilize Chase Bank Private Client service line 's phone number, 2 ) Chase short-codes, 3 ) certain knowledge of our account, 4 ) and in-depth understanding of Chase 's banking web-application, transaction procedures ( including limited time One-Time Codes, and, 5 ) other legitimately seeming tactics, to induce panic, confusion, and fear to defraud us of over {$120000.00} via a fraudulent wire transfer reversal scheme. Having received short-codes indicating holds were placed on the multiple wire transactions, we were in the bank within fifteen ( 15 ) minutes of terminating the phone call with the perpetrator so as to instead resolve the matter face-to-face with a Bank representative. Despite our promptness in making Chase aware of the fraudulent wire transfers and placing our trust and confidence in Chase 's fraud department to recoup the funds as promised, in the 6 weeks since XX/XX/XXXX we have encountered a distressing lack of cooperation, stonewalling, transparency, or resolution from Chase Bank with regards to our case. After our initial visit to the Bank we have made repeated calls to the Fraud Department and visits in person to the Bank but to no avail. We were told at one point that someone from the legal department would call us, we are still waiting for the initial phone call 5 weeks later. Chase Bank has refused to give us anything in writing related to the afore mentioned complaints even from the very beginning. We understand that time is of the essence when recouping funds of financial fraud, yet all our efforts have been stymied thus far. 

I am including the account number that was defrauded.
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MD)

I had 2 fraudulent charges that were not made by me or for me on XX/XX/XXXX at XXXX XXXX. {$700.00} and {$50.00} at XXXX XXXX. as well as a XXXX fee. 
XXXX, live in Md. and some scammer listed as XXXX -PREPAID IN XXXX XXXX NV . -Looked up and CALLED -CLOSED CASINO-COVID. I was left with XXXX on XXXX, and no way to pay rent, phone, XXXX XXXX prescriptions, gas for rides or toiletries! Filed dispute-did everything asked of me, requested 2day Expedited card, dIdnt come, called Direct Express and with an open dispute they allowed the scammers to change my permanent Md. address to I assume the thieves address-XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX! I paid XXXX promised reversal due to taking 9 days to receive,16 days later still attempting Denied!! They mailed me a questionnaire to fill out and return within10 business days. Id already faxed in all information. Questionnaire came 8 days later and filled it out instantly, took to P.O. walked it in and asked when it would arrive in Texas, they said Monday 2 days to spare! I called Monday morning XXXX to check on stat of new card reversal, I was given more runaround and told they had denied my dispute ( HAD NOT RECEIVED MY QUESTIONNAIRE YET! ) denied with NO APPEAL because the SAME thieves withdrew XXXX twice in XXXX that I had NO KNOWLEDGE OF and theyre trying to keep MY INSURED MONEY because I did not KNOW or REPORT the 2-XXXX charges from similar name- PREPAID!! I am DESTITUTE, these PEOPLE ARE GIVING ME THE RUNAROUND, I have done the so called investigators job and it is clear as day this is THEFT and they WILL NOT TETURN MY MONEY! Please HELP ME! No savings, alone, XXXX  and no other income!! They even know they told me the thieves tried to withdraw money out twice the night of, but before XXXX XXXX  when my money was expected as always and had been denied! I had had XXXX in my account for at least 2 weeks and would have NEVER TRIED TO WITHDRAW MONEY THAT I KNEW WAS NOT THERE!! That is ridiculous! This investigator needs to be fired, did not do even a little bit of work, totally useless!! Thank you!!! Help me please!!
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Approved for removal sec XXXX of school closures XXXX XXXX filed XXXX disputes. Submitted documentation. Also received approval on XX/XX/XXXX. Trade line of debt to be removed from credit bureaus. Debt discharged. Transunion. Will not remove. Have documentation