davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, XXXX, and Experian all REMOVE any and all fraud alerts and statements from my credit file immediately.
Consumer complaint received 2023-01-23
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. (TX)

I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XX/XX/1979 Employment : NONE There should be no other listing of misspelled names remaining. I have found XXXXXXXX differnet spellings and XXXX wrong addresses on my report. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, Equifax, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (AR)

Do not recognize charges on all of the following accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC (AL)

Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact GC Services Limited Partnership via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my XXXX XXXX XXXX XXXX Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NV)

I contacted XXXX XXXX on XXXX XX/XX/XXXX because my auto loan that I took out back in XXXX for {$14000.00} and today my loan is {$12000.00}. I told them im a military vet how is XXXX and now on a fixed income and can no longer afford the car as well as I believe fraud is going on due to my balance not going down. Every time I call I get hung on or get told they can help me but I have to wait 2 day for approval then say they don't know what im talking about. Everyone is rude and no one want to help. This company is a scam and they do not help people, all they care about is money. I am one the phone now and now the call is silent and I wasn't put on hold. This is crazy, and now being told I have to file bankruptcy and then at that point I can call about a settlement, which don't make sense at all.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I had been a member of PayPal for over 5 years. I had to close my account because of payments that was sent from my bank ( XXXX XXXX XXXX XXXX XXXX not being process. Now I am trying to pay the balance due, and for some reason paypal is not crediting my account or accepting payments from my bank at times. I used the same bank account with my PayPal account that I used with synchrony banking which is listed on PayPal site. A payment of {$40.00} was initially accepted on the site and then returned on the same day. Synchrony banking stated that the bank account was wrong. I told them that the account on the site was the same account that I had used for paypal. I asked synchrony banking why did the one time payment go through? I used the same bank account, for both transactions and when I authorized payments I checked the listed with the same bank information. If you look at exhibit 1 The bank account no is XXXX, and then exhibit 3 the bank no is XXXX. My complete bank account no. is XXXX. I used my online bank XXXX XXXX  XXXX XXXX XXXX for my XXXX back up and for some reason, the money did not come out of my account {$41.00} for the XX/XX/XXXX. Exhibit 6. Paypal and my bank failed me, and now I owe over a {$100.00} more and my payment went from {$28.00} a month to {$78.00}
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC (GA)

Hello i had problems with this card company and filed a complaint about the with cfpb # XXXX and now with no notice, we find out that another company reported it on my credit they never sent us any notice what so ever and have not allowed us our due process this is a secured card that has been paid they are killing us with late fees and the penalty for no reason
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

On XXXX I sent a letter to LVNV funding stating i didnt not no where this account # XXXX came from balance was XXXX. On XX/XX/2023 I receive mail back from credit one stating the account was deleted it was not lvnv funding I sent a certified mail with Id and statement shown wrong dates open and closing date to all three credit bureau the account still show closed
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK (CA)

East West Bank Branch in XXXX XXXX tricked me to do line of credit morgage instead of traditional morgage. 

5 years ago, I was switching from another bank to East West Bank for refinancing the home morgage. I explained my intention to the loan officer XXXX XXXX XXXX, who he is no longer with East West Bank, at that time. He told me that this is amount of money every month you need to pay for the following years within your morgage term. The interest rate would be adjusted accordingly based on the market. He also told me you have a credit of {$50000.00} to cash out within 5 years. After 5 years, you need to pay more if you use some of the money. I said to him that I would never be using that money within 5 years. 

I did not know why he recommend me to do that. He never mentioned anything about that within 5 years, you only pay interest. After 5 years, you will be starting to pay interest with principle. 

I have already told him that I would never use the credit he provided within 5 years. 
I did not anything about load. I thought to myself that this is just another morgage that I had with another bank. Simplying pay and make the principle less as each year goes by. 

Today, I have received a letter from East West Bank that says I have to pay double of amount of what I currently pay monthly starts on XX/XX/XXXX. I was confused I have paid my monthly morgage in the past 5 years. Why am I paying more in the following years? 

I started to call the load department on XX/XX/XXXX. They told me that I have been paying interest only in the past 5 years. I said to them, I am so confused. I have been paying my morgage in the past years. Now they said that I have been paying more than {$80000.00} for the interest only in the past 5 years. I have to starting paying principle with interest for next 15 years? They told me because I have an line of credit morgage. I said to them that the load officer never told me that I will be paying interest in the first 5 years. Also, I have never use line of credit in the past 5 years. Not a single cash out from the account. Why would I go with line of credit? 

Apparently, the loan officer mis-guided me, and took advantage of me. 
East West Bank load department told me that you should have known because you signed the contract. I said that I did not understand English. Besides, the contract like more than 10 pages long who would thoroughly reviewed each line. 

I had no idea what was going on back then. The loan officer tricked me to pay such large amount of money to bank only for interest. This is making no sense. I HAVE NOT EVEN TOUCHED LINE OF CREDIT. WHY WOULD I WANT TO GO TO THIS TYPE OF MORGAGE? 

He was not explaining these details to me at that time. East West Bank is really cheating on me, and possibly other consumers. I need justice. I tried to negotiate with them. They did not bother to listen to me. 

PLEASE HELP ME TO RESOLVE THIS ISSUES. I AM LOSING MORE THAN {$80000.00} IN THE PAST 5 YEARS FOR NOTHING.
Consumer complaint received 2020-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (FL)

PNC no longer allows XXXX  to access account information so as to perform financial transactions. As an example I was trying to link my XXXX  account with PNC and was unable to. This is because PNC is not allowing XXXX  access so as to link both accounts. Of course XXXX  is trying to perform this account link with my permission. Because of this I am unable to find my investment account which is through XXXX. Date of this transaction is XX/XX/2020.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

This notice of Conditional XXXX is being sent in a good faith effort to settle the matter at hand. I sent this notice to XXXX XXXX XXXX of XXXX via email and XXXX XXXX mail on XX/XX/XXXX which was delivered on XX/XX/XXXX. I have not received a response as of XX/XX/XXXX. All of my notices of dispute and identity theft have been ignored by both XXXX XXXX and XXXX until I filed my complaints through the CFPB. Your assumption that my notices of dispute were generated from the internet are false and constitute deceptive and misleading statements which is a violation of the FDCPA. Regardless of how you felt my disputes appeared to you it does not negate the fact that you are required to properly investigate my claim and cease all collection activity until the alleged debt is verified in accordance with the FDCPA and said validation is sent to me. Any collection attempts against me without validating the alleged debt constitutes as harassment, defamation of character, creating a false public record by use of mails and wire communications, with intent to to obstruct lawfully communicated information, and are subject to to liability for damages, as well as statutory damages, including any and all legal costs, or fees incurred for each violation. Additionally, you have violated the GLBA by sharing my nonpublic personal information with third parties without my consent which has caused me mental and emotional distress. By this notice, debt collector and/or alleged creditor XXXX XXXX and XXXX XXXX '' including its/their principals, agents, assignees, employees, shall comply with the provisions of the Privacy Act of 1974, as lawfully amended at [ 12 U.S.C. 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 U.S.C. 552a ], and the Third Party Summons Act special procedures [ 26 U.S.C. 7609 ], for assisting me in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon. I have not received any notice of dismissal and/or withdrawal of the lawsuit you filed unlawfully as of XX/XX/XXXX. I am in receipt of your mutual stipulation of dismissal and in my continued good faith efforts to settle this matter amicably, I conditionally accept your offer for mutual dismissal, without accepting liability, however I require the following conditions to be accepted : Compensation in the amount of {$2500.00} USD. Confidential settlement agreement under Federal Rule of Evidence 408. I am requesting a prompt response otherwise I will have to petition the court for a continuance of the trial date for me to retain counsel. If my demands are not met I will escalate this matter to Federal Complaint, report your violations to the FTC, NJ Attorney General, the ABA, the BAR, the Department of Justice and file RICO charges.
Consumer complaint received 2020-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (OH)

On XX/XX/2020, a banker from Sallie Mae called a number that was not on the loan application asking if they knew information about the cosigner of the loan. The individual they called knew the cosigner but had no history with Sallie Mae. Salli Mae informed me that they were allowed to do that, but that is 3rd party violation.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (FL)

I want to open a complaint against Elan Financial Services which is located your state. About three months ago it appears XXXX Credit Card went from Visa to Master Card. As it happens, I had set up auto-pay on my account to handle payments. Lo and behold, Elan Financial took over payments processing unbeknownst to me and it appears my auto-pay process was nonexistent. Now, to add insult to injury they called me after the 30 days but not before and they reported the late payment to the credit bureau. I have a stellar payment history with XXXX credit card and these people are known for this type of behavior. I was told that I needed to dispute their reporting of past 30 day due with the credit bureau myself and that they would not guarantee that Elan Financial would side in my favor, despite the fact that in the migration the autopay did not migrate. I was also charged several late fees and which some were removed but not all of them. Also, when I asked why I was not called on the phone and XXXX said that they would not call. However, they waited past 30 to call, coincidence probably not. XXXX said they initial send email and post mail, now when I check my emails under XXXX correspondence, I did not have any emails. Then, XXXX said that it might be under a different email, so I need to know that as well. It is my opinion and based on their reviews that Elan Financial is the business of destroying customer credit and charging late fees.
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Refinanced my home on XX/XX/20 with New Rez LLC/PHH ... decided to refinance with them because they XXXX currently held my mortgage loan ... thinking that most of the fees of the refinance that would be charged, would be waived or not needed because of they currently hold my mortgage loan. 
However they charged me extra fees for my taxes and insurances.PHH has contacted me to say that my loan with them is not paid off because there are insurance fees that are needed to be paid first.So I contacted XXXX XXXX, loan processor with New Rez He stated that XXXX XXXX ( my homeowners insurance co. ) had been paid twice. But XXXX is asking me to send monies to the title company to finish this refinance. But if they collected all the fees for taxes and insurance and XXXX was paid twice, that sounds like they owe me monies. I have contacted XXXX several times through email to straightened this issue out also to ask for ALL of my signed paperwork which I was promised after the signing but have not received as of yet
Consumer complaint received 2020-06-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX I made a payment of {$2500.00} to Freedom Mortgage on their online website. I processed the payment and it stated " thank you for your payment. '' i did not print the page out because I was having printer errors.I assumed the payment processed and would withdrawal from my bank account within a few days like it always does. On XX/XX/XXXX, I noticed the payment still had not come out of my bank so I called Freedom immediately. I explained what happened and asked them to look for the payment. They stated they did not see any payment on XX/XX/XXXX. I asked them to research and explained I made the payment on XX/XX/XXXX. In the interim, I made another payment. I also asked them to note my account so it would not go on my credit. ( this was not my fault ). I phone back a few days later after learning that 1 other payment for XXXX  did not go through as well. i advised them it had to be an issue on either Freedom side or the bank. They advised I contacted the bank. I did contact the bank and they said it was on Freedom side. Again I called back to Freedom, made another payment and advised what the bank said. At this point I am frustrated. Neither will accept fault. In the meantime on XX/XX/XXXX, Freedom reported to my credit and my husband ( XXXX XXXX ) credit that we were 30 days late. Today, XX/XX/XXXX I called XXXX XXXX back and they said it was a transmission error between Freedom and XXXX XXXX. They provided my with a note on a XXXX XXXX document state this. I have submitted it to all parties, Freedom and credit bureaus. This was not my fault. This negative reporting affects our business and our federal certifications. We need this reversed.
Consumer complaint received 2020-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I called the USBank 's home equity department regarding an insurance issue and they said their insurance department will NOT talk to the customer directly and they refused to transfer me to the insurance department claiming it was " Company Policy ''. This Company Policy is appalling. How can I rectify the issue if they won't speak to me?
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (NE)

They are reporting a collection account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX on my credit report. This is not my account. I have disputed this debt several times with the credit bureau.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.