davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (DE)

XXXX XXXX loan care holds your payments and then credits your account after the received date, then they apply fees. I would love to know how my bank XXXX shows a payment pulled on XX/XX/XXXX, yet this payment was held and not credited to my mortgage until XX/XX/XXXX, late fee then assed naturally on the XXXX which seems to be a common monthly assessment for them, guess any bailouts they received they have run through and must find anyone possible to steal their own customers money. I pay every XXXX weeks so that i can get a head on my mortgage and not be continued to be exploited by this servicer with long hold times, XXXX transparency and bad record keeping. I paid the full balance for XXXX on XX/XX/XXXX, according to my bank XXXX, well loan care holds that payment gives me no interest for holding my payment and then credits my mortgage account late, i make another payment and additional payment after my XXXX is satisfied on XX/XX/XXXX, mind you today XX/XX/XXXX i open my mailbox ( which i do daily ) and find a letter dated XX/XX/XXXX from XXXX care stating they had not received my XX/XX/XXXX mortgage payment and now a {$16.00} late fee will be assed. I'd love to know why my XXXX XXXX payments totaling more than the monthly payment have been assed as late. This company holds the payments and doesn't allow XXXX consumers to make payments when and how we want. If you try to pay them every XXXX weeks, they will hold XXXX payment until its late and then once the XXXX is received, they apply it to the mortgage and XXXX a late fee, why i ask? is this because you don't want me to pay the daily interest accrual? or is XXXX loan care trying desperately to take my modest row house that my young child and i are sheltered in? I can not wait until the government lowers interest rates so that i can refinance my loan. This company is morally and ethically bankrupt, and it is unconsciousable. I'm submitting this complaint in the hopes that there is actually consumer protection in this country or are we way past that in these late stages of capitalism, that we will allow these corporations to do literally whatever they want in order to appease them and keep them onshore? It is time to protect XXXX consumers, please look into this company 's tactics and lack of common sense when processing a payment. They force you to use their auto debit in place of your own checks and bill pay, their auto debit doesn't function correctly, it pulls payments prior to the agreed upon date and i have record of that also. If the cfpb needs additional information, please do not hesitate. I am XXXX of many loan care customers who have been exploited, XXXX of many!
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (TX)

I reached out to Venmo 4x in regards to my funds being unattainable and 2 out of 4 I was hung up on and received no help or reasons as to why I wasnt able to withdraw my funds from my own account. Ive sent multiple emails and all I get is the same automated message in return.
Consumer complaint received 2021-01-14
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: Experian Information Solutions Inc. (MD)

I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CCS Financial Services, Inc. (TX)

I generated the credit report and I realized that they are charging me a credit card that I never processed. I went to the bank and they tell me that for the time they can no longer do anything that I have to call the company that bought the debt. 

The bank where the credit card is from is XXXX  XXXX and now where the debt is is Credit Collection Serv for an amount of {$520.00}, which I do not know where it was used and who processed this card on the date it was processed XX/XX/year> I hope you can help me since I have spoken with them and they only tell me that I have to pay it. I don't know if I should report it to you or to someone else.
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (KY)

I was contacted by achieve.com for a potential loan refinance. With the loan the loan XXXX suggested, I would be able to pay off several credit cards, saving me interest and lowering my monthly payments by around {$300.00}. I was asked for my income and I provided it and my wife 's income. We were told that we were approved. They then asked us to send them our income documents to verify our income sources which isn't a problem. My wife and I both work regular jobs but also work for our church. 

We provided our paystubs for our regular jobs and a XXXX for my ministerial income as I am the pastor. My wife explained that she could provide our bank statements for proof of our church income. We were also asked to provide our taxes for proof of the church income. We provided all of these items as requested. The loan servicer then said that the church income documents were not good enough. Mind you, we have gotten loans from other places by providing just the bank statements showing regular deposits from our church income. 

We were asked to provide a letter from the church that listed out the checks, the dates and other requested information for verification purposes. We had the church treasurer prepare this letter and we provided the letter. We do not receive paystubs from the church only our checks and a XXXX at the end of the year. We were told a short time later that we were denied for our loan. 

I contacted our loan servicer back and expressed my concern with their ability to verify my church income and asked why it was being scrutinized so heavy. I explained that we had not had issues having it verified at other lenders. We were told that it was due to their verification policies. I told them that I believed that they were treating my verification unfairly based on the fact that it is income derived from a religious source. I was told that several underwriters are utilized so they don't believe that it is the case. 

The loan XXXX then said that he would see about having the loan reviewed again. I requested that I be able to speak to a supervisor and receive the response in writing from the underwriter. That was XX/XX/2023. I have now heard nothing from achieve.com since then. I was told on XX/XX/2023 that it would be the next day and I would hear something. I have called the loan XXXX and have not received any return call. 

I am convinced that they are avoiding speaking with me and denied my loan because I discovered that they have a bias against religious income sources. They are treating the verification unfairly in comparison with my other income and they used this verification to determine if I would receive a loan from them. No one should have to have their income from religious sources scrutinized and treated unfairly.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I have applied for new XXXX program and has been approved for a new lower monthly amount. First payment is due XX/XX/XXXX {$110.00}. The old past dues payments of around {$600.00} that was posted prior to the new save program, should have been wiped out in XXXX when I was approved for XXXX  program. However the old past due amount is still listed in the system. Keep calling Ed Financial and received the same information that it will be taken off the account very soon. Where are all the way in XXXX now and it's still in my account. I do not have any recourse to fix this. My first payment is due in 3 days and if I make a payment it will be applied to the wrong password amount instead of the future correct payment.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

Tried to refinance my home and just found out that PNC Mortgage, has a lien on my home in the amount of {$5000.00}. 

Attached is a copy of the modification papers showing the unpaid principal amount of {$21000.00} and the new amount of {$4100.00} being added to the principal amount ; however the added amount of {$4100.00}, was put on my home as a lien. IT SHOULD HAVE BEEN TAKEN OFF AS SOON AS IT WAS ADDED TO MY PRINCIPAL. PNC MORTGAGE IS BEING PAID TWICE. 

Also XXXX  XXXX, paid PNC Mortgage the full new principal amount when they took over my mortgage account. 

My next complaint with PNC MORTGAGE, is the fees for transferring my account to XXXX XXXXXXXX in the amount of {$1400.00}. WHY DO I HAVE TO PAY THE FEES FOR PNC MORTGAGE TO TRANSFER MY ACCOUNT?? PNC Mortgage is charging me for something that I DID NOT REQUEST!
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous despite the multiple previous written requests. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: River Heights Capital LLC (MA)

I do not recognize this debt because since 2012 I filed for bankruptcy and there is no debt left in my name. I ask for your attention in this case because I can not pay a debt that not exist.
Consumer complaint received 2023-05-30
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. (LA)

Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX Bank and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX  XXXX Account cant be a Charge of because that means that XXXX XXXX Bank gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXXXXXX Bank is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to XXXX. XXXX has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For Experian. 
Experian Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXX Bank Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again
Consumer complaint received 2024-01-23
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (AZ)

Wallet containing the Direct Express card was lost approximately 18 months ago. When the new card arrived we were unable to activate it because we no longer had the phone number on file or knew if any email. We were advised of next steps. We emailed over social security card, birth certificate, and drivers license that was confirmed as received. We then went to Social Security and they updated number. Social Security however does not have those direct ties with Direct Express any longer but a supervisor helped us out and changed phone number and requested a callback. We did receive the call and was able to verify everything except when they tried to send a code to the phone. We were on said phone and the code never came through. The representative stated himself that the government phones dont get the code. We explained that you called us on the phone number youre trying to get code from, but he still wouldnt activate card. Theres approximately {$1200.00} on this card we havent been able to use. We went back to social security and they could only cancel direct pay and we were able to get a bank account with XXXX. Please up us get this money. I actually got strength to try again and will do so today. We just paused, not gave up because it was overwhelming and we had deaths in our family and have been healing. But now we are back at it and requesting your help before I guess the last resort which would be to sue. We have direct deposit info from social security. I dont think theyre stealing our money, but have made it impossible to get
Consumer complaint received 2024-03-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a late payment entry on my credit report. Upon reviewing my credit report, I noticed that there is a late payment recorded for XXXX BANK XXXX. XXXX on XX/XX/XXXX and XX/XX/XXXX 2020
Consumer complaint received 2023-06-19
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. (GA)

found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Consumer complaint received 2023-05-30
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: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nordstrom Visa Account number : XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states I have a 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 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-19
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. (FL)

Ive identified information on my report as a result of identity theft. These items have nothing to do with any transaction i completed. ACCOUNT : 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 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 2024-03-08
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. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. ACCOUNTS : 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 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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2024-03-08
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. (NJ)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX account # 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. Code 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose