davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal have frozen my account on XX/XX/XXXX.and put a hold on {$9.00} USD for 180 days! 
after 180 days. on XX/XX/2020, PayPal Transformed XXXX USD from my account to their account. look at the picture down below. This is just unacceptable. 

i have invested a lot of money in inventory and advertising etc.I have worked hard for my money and it's disgusting what they are doing. They like to prey on smaller businesses who they feel don't have the means to fight back. That's complete robbery being performed under another name i was selling shovel.and all my orders were shipped and delivered through USPS.. 
they don't reply to my emails their phone lines are closed.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I used a Pentagon Federal Credit Union auto loan to buy out my leased vehicle. The title was sent to PenFed. PenFed did not take care of filing the lien, and instead sent me a clean title. They told me that I had to take it to the DMV and file the lien info for them. Soon after receiving, the DMV closed its doors due to the pandemic. Since I was not able to take the title to the DMV and do what they should have taken care of when they had the title, they increased my interest rate by 10 percentage points, added {$100.00} to my monthly payment, using a pandemic to their advantage and penalizing a member during a very difficult time. All this without one phone call or email to check in, ask for an update, or see if there was a way they could help ... I have terrific credit and have made every payment early, even paying them for GAP insurance on the loan. This is not a high risk loan that justifies a 14 % interest rate. I should not be penalized because my DMV and most of the economy has been closed down due to a pandemic. This is usurious and despicable while unemployment is rising and everyone is dealing with the current troubles of the world.
Consumer complaint received 2020-06-08
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (NY)

Navient reported delinquency of my private student loan during the height of the COVID19 ( XXXX-XXXX  ) pandemic. The automated payments lapse, not because of inability to pay but limited and poor communication from Navient to re-establish payments. Once things were rectified in XXXX they proceeded to submit the negative history dropping my credit score 30 points. This has severely impacted my private practice as I have been declined credit to purchase additional equipment needed for my practice.
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is currently attempting to commit fraud against me concerning my mortgage. On XX/XX/2019, following an appeal for loan modification, Specialized Loan Servicing extended a modification offer to me for my property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the stipulation of timely making 3 modified monthly trial payments beginning XX/XX/2019 with 2 additional payments due on the XXXX  of XXXX and XX/XX/XXXX, which I have now officially and properly complied with. 

Following the written procedures in the trial period modification plan agreement offered to me by Specialized Loan Servicing LLC, I submitted my 1st trial payment timely to the address specified in the amount and form requested according to the agreement. However, the payment was improperly returned to me. After contacting Specialized Loan Services by e-mail to notify them of the error, I then sent a double payment on XX/XX/2019 to cover the XX/XX/XXXX payment that was improperly returned. To my further dismay, the double payment sent timely to the designated address in the proper amount and form according to the trial period modification plan agreement for the 2nd trial payment due XX/XX/2019 was also refunded within 5 days of submitting it. I once again, immediately contacted SLS by fax this time to notify them of the error. Now, a 4th payment that was also properly and timely made that was due on XX/XX/2019 has improperly been returned. 

I accepted the terms of the trial period modification plan when I submitted the 1st trial payment appropriately in compliance with the terms of the agreement which definitely do not include a requirement for funds in the form of a certified check contrary to what one of Specialized Loan Services ' representative attempted to tell me. I do have a copy of the proposed trial modification plan I entered into and nowhere is that a stipulation. They may not retroactively change the terms of the agreement once it has been entered into and payments are being made as requested. As of the date of this letter, I have officially and properly completed the terms of the trial modification period, so the modification must be made permanent. However, Specialized Loan Services is not complying with the modification agreement.
Consumer complaint received 2022-01-21
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: LEXISNEXIS (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (FL)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I was enrolled in XXXX college back in XXXX or XXXX. I was not aware of the high price I had been issued for this school. My loans total in the amount of XXXX. I was only enrolled in this school for about a year prior to graduating and was not able to obtain employment as they promised nor received assistance. I tried contacting them for years with no luck and didn't know what to do. I have been seeing a lot of ads on the scam that was happening at XXXX and that I should submit to have this debt removed.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NY)

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 These accounts have 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I am a XXXX veteran and I have recently been able to make additional payments on my mortgage. My mortgage company is Nationstar LLC, subservicer for XXXX ( my bank ). I began making these payments on XX/XX/XXXX with a payment of {$500.00} on principal. Since then, I have been making {$1500.00} payments on the first of every month. The additional principal shows up in my payment activity, and is applied on the XXXX of that month. 

The first issue I had was when I made a payment on XX/XX/XXXX. I paid {$1500.00} toward principal using the same payment option I use every time. They have another option to pay, which I've used once, where you pretty much make another mortgage payment with interest and escrow included, plus additional principal. The payment gets split. I didn't like that option, so I haven't used it since. When I made the {$1500.00} payment in XXXX, they messed it up and applied it like the second option, instead of applying it only to principal. I noticed it on XX/XX/XXXX and sent a message. They had it corrected by the XXXX of XXXX. 

XX/XX/XXXX, I made a payment of {$1500.00} toward principal, which can be seen on my savings statement and was confirmed later in a phone call to XXXX. On the XXXX of XXXX, it wasn't in my payment activity, and wasn't applied to my mortgage. I sent a message to Nationstar on XX/XX/XXXX and explained that I had made a payment, and it is missing. On XX/XX/XXXX they sent a message back stating that additional research was needed as well as any supporting documentation related to my inquiry. 

On XX/XX/XXXX I sent them my savings statement showing that {$1500.00} had come out of my savings account and went to my mortgage account. XX/XX/XXXX they replied with a message stating that additional research was needed, and to wait XXXX days for a resolution letter. XX/XX/XXXX I received the resolution letter. The letter had only addressed the payment mistake in XXXX that was corrected on XX/XX/XXXX, not my missing payment. 

XX/XX/XXXX I sent them another message stating that they haven't addressed the correct issue, I have made a payment that is now missing, and that it didn't seem as though anyone actually looked at the proof I sent. ( Today ) XX/XX/XXXX I received the same standard give us XXXX days message, followed by another message with the same resolution letter I was given before about the already corrected XXXX payment. 

At this point, I am getting nowhere with Nationstar. It doesn't seem as though anyone is doing anything to help me. I have lost faith that if I keep making my additional payments they will go to my account. I planned on having my house paid off by XX/XX/XXXX, and saving over {$20000.00} in interest. I feel like Nationstar is going to miss that {$20000.00} and that they're making this difficult intentionally.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc (KS)

On XXXX XXXX around XXXX, I received a call from a chime number and a man that identified himself as a chime employee, he knew all my information, I didnt question it, the number read chime financial, so I thought oh boy something is happening with my money, I had received my income tax return. Anyway he said someone was trying to make a purchase with XXXX XXXX for XXXX $ and ask if I would approve or confirm the payment or deny it so I said I did not approve it, he told me he got that one canceled, but he said this person is trying to transfer money from my checking account through the pay anyone app, because my card was locked Im guessing, in the amount of XXXX XXXX which coincidentally was the total amount in my saving, checking, and chime builder accounts, so I told him again that I didnt not approve it and that I did not want money taken out of my account, so he said he got it canceled and said that now she was doing it again for XXXX, and it was going through, and that in order to stop the transaction I had to do and type what he told me to do, he told me to type my name refund for new account and the amount, so I did and then I told him that it said it was going to this person, he said he knew but thats what we have to do to cancel it, so not questioning I did it. Now my money is gone, this person doesnt exist, and I dont know what to do, I have filed complaints, Ive sent them pictures of the number that the call came from, I have sent my statement, made a police report, I have the womens name, they dont have record of them calling me. Am I just out XXXX? Is there anything I can do, denial after denial after denial, and rude one person asked me and told me that I never should of filed a dispute because I the initiated the transfer and then another one asked me what I really did with the money, unbelievable, I realize now it was a fraud, I really need my money back and I dont know what to do next, can someone help me?
Consumer complaint received 2021-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

From the covid- i was in deferment and i been making payments since XX/XX/XXXX but since showing i owe over {$40000.00} which is incorrect. 
i have called mutiply times, they refuse to assist me, i request to speak to a manager. they refuse to give a manager, i ask for there supervisor, refused me that also. 
they mention it a few weeks to update my files- it's have been months i have document to back this up. 
i believe interest has been adding up and they have been adding to the principle
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TN)

In XXXX of XXXX I opened an Uber Visa credit card through Barclaycard US due to their great 4 % rewards program on fast food and restaurants. Over the course of about 2 years I have collected {$250.00} in rewards. In XXXX of this year ( XXXX ) with only a few months notice they changed their terms so that their rewards are only able to be cashed out into " Uber Cash '' which is only accessible in their Uber ride hailing app. This is massive change and is not at all what I signed up for with this account. 

I received only two notices, that were both flagged as spam and subsequently never read, on XX/XX/XXXX and XX/XX/XXXX. These unseen notices touted the benefits of Uber Cash while wholly downplaying the fact your earned rewards is now entirely stuck in their system. I never received any mail or postage alerting me to this change. I am now out over {$250.00} I earned for using their card because of this bait and switch tactic that was done without proper notice. 

After failing to redeem my rewards on XX/XX/XXXX I called customer support for assistance only to be alerted to this change for the first time. I was still under the impression nothing had changed with the card and had most recently used it for a food purchase ( given the former 4 % rewards ) on XX/XX/XXXX. 

I never signed an agreement agreeing to these changes. The only agreement I ever signed or affirmed was my initial contract for this credit card.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX  / XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
XXXX XXXX
Consumer complaint received 2023-05-07
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. (MD)

I have identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry
Consumer complaint received 2020-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I have a home equity line through Webster Bank. I send additional money every month with my normal interest payment. Although I am not sending in the payment coupon every month with my payment, as my checking account financial institution is mailing checks for me and I'm not capable of placing comments with the payment, Webster Bank is not applying the additional funds to principal. It appears they are placing the additional funds in an suspense account until they can apply an additional interest payment. I placed a formal complaint back in XX/XX/XXXX for the same reason. I'm unable to verbally discuss my account with Webster as I was in a Chapter XXXX bankruptcy ( with these payments being made outside of the payment plan ), and I'm advised I have to speak to my attorney. I honestly do not know if the actual amount of unpaid principal balance they show I owe is accurate. The last time I placed a formal complaint they did have to make adjustments, and I was told my account was reconstructed. So far in XX/XX/XXXX I have not seen and principal payments being made to my account from the additional funds that are being sent.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (FL)

I filed an investigation with XXXX XXXX Equifax and XXXX on XX/XX/XXXX and I still havent gotten no information back on the investigation
Consumer complaint received 2019-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (IL)

the cash store was notified that I was filing bankruptcy and we gave the name and address and phone number to the lady working there. the company and its corp. began calling me multiple times .I gave them the same information and they continued with the calls .One call I took the person told me that it would be paid bankruptcy or not. you owe it you'll pay it! this was an every day and most times several times a day thing. My stress level was extremely high .I ended up in Hospital 3days I have a call list that consists of16 from XX/XX/XXXX -XX/XX/XXXX and that's not all. They also called my wife 's phone several times and a reference friend was also called several times. My wife was in process of giving information and was hung up on. this is uncalled for.
Consumer complaint received 2022-04-18
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. (FL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of EDXXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXXXXXX XXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]