davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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. (LA)

Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

My Paypal account was hacked and experienced significant fraudulent activity on XX/XX/2020. They stole roughly {$800.00} from my bank account, and after removing my account information from the site, they are still showing I owe an additional {$290.00}, which is now preventing me from closing my account all together. I have called numerous times to numerous different phone lines and have not received any assistance with the matter. I have emailed, sent messages etc. Paypal has no accurate way of contacting them. I am desperate to close this account as I am still experiencing fraudulent activity. I would like to reach them and take whatever steps necessary to close this out for good and prevent being sent to collections for money owed that was fraudulent in the first place.
Consumer complaint received 2020-09-29
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)

I previously disputed a public record on my credit report. Experian said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (FL)

Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX. Which is a collection company for Capital One Bank USA N.A. opened on XX/XX/2020 for the amount {$420.00} has reported on my credit report and I have disputed it with XXXX and XXXX. It is saying meets FCRA requirements. However I have no knowledge of this account at all whatsoever. I've asked them to please remove it and it will not be removed. This is fraudulent on my behalf.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (OH)

I put my loan in forbearance after the main income earner left the household. Forbearance was from XX/XX/year> - XX/XX/year>. Was told at the start that deferring the lump sum to the end of my loan was an option. Called in XXXX to let them know that Id be able to start making my regular payment XX/XX/year> and to inquire about deferring the 3 month total. Was sent an application, turned it in immediately and never heard anything back. Called and was told my application was incomplete. Filled it out again. Called in to check on it and was told that I was missing documents. These documents were never asked for previously. Turned them in, called a week later and was again told I was missing documents. This has been going on since XXXX. They are sending me default letters and threatening foreclosure. They reported non-payments to the credit bureau ( which tanked my credit ) even though the loan was in forbearance ( which is something they cant do ). Now theyre telling me they have no record of my forbearance. Ive sent in every document theyve asked for and theyve taken no action. I believe this is done on purpose to make people default on their loans. Everytime I call, Im told that they need more documents or that they dont have mine. Ive asked them multiple times to confirm receipt of my email/docs and they never have.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

funds were taken from my savings account, notify the bank, after a poor investigation they said the transaction was legit, I asked for the video and they told me I need to do a police report which I did, the sheriff in charge of the investigation did subpoena the bank and they never respond, I did not get the money of the transaction in dispute back on my account
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-09-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have a HAMP loan modification mortgage with PHH ( owned by Ocwen ) but PHH has a division called XXXX that services the modification. 

In XXXX I opted to accept a recast offer. All was in order and I kept a copy of all documents I signed. 


My recast offer, approved and executed states I owe {$730.00} on XX/XX/XXXX Then {$780.00} XX/XX/XXXX on until maturity. 


However I received a letter dated XX/XX/2020 from XXXX Which states I owe {$860.00} XX/XX/XXXX Then and {$590.00} XX/XX/XXXX until maturity. 

This company continually makes gross errors in administration that appear to misinform the customers creating mass confusion and creating an unfathomable capacity to send in the WRONG amount, consequently resulting in default and foreclosure - loss of home by owner. 

PLEASE peruse documents attached and take whatever steps necessary for bank to provide ACCURATE UNDERSTANDABLE MORTGAGE DOCUMENTS THAT WILL NOT CONFUSE AND CREATE A SITUATION WHERE THE AMOUNT OWED IS SO AMBIGUOUS AND DIFFERENT ON DIFFERENT DOCUMENTS SO THE WRONG MORTGAGE PAYMENT AMOUNT MIGHT BE SENT! 

Furthermore although A name was provided of a person to contact there was no DIRECT email or DIRECT phone number to reach this person. Hence one spends hours trying to reach them only to be told call a number that is routed to XXXX or the XXXX where the customer service agents do not help but tell you they do not work for XXXX and can not connect you! 


It is absolutely criminal the way customers are COERCED into a wild goose chase to follow up with no contact made and no resolution able to come to fruition.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (CA)

I had just receive this bill in the mail today. I've no ideal about this bill ... Original Creditor XXXX XXXX The owner of the account Pinnacle Credit Services , LLC Reference ID XXXX Amount {$730.00}
Consumer complaint received 2022-10-31
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)

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, 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 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.

15 U.S.C 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 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (FL)

I was in car accident on XX/XX/2020 the offender 's insurance ( XXXX XXXX # XXXX ) deemed my car a total lost. I made sure my insurance company ( XXXX ) as well as my finance company ( Bridgecrest ) know that my car was a total lost. I provided the adjuster ( XXXX XXXX XXXX ) my finance company total lost company phone number ( XXXX ) .I made sure I had gap coverage in place ( XXXX XXXX account number can be found with my old phone # XXXX ) I did have retain an attorney ( XXXX XXXX ( XXXX ). 


My issue is my finance want me to pay {$1300.00} for a car I haven't driven since XXXX. XXXX paid {$9600.00}. XXXX paid {$3700.00} only. When speaking to them they said that they only paid whatever Bridgecrest submitted. That's not the only problems Bridgecrest has been reporting me late to credit bureau every single month since he car has been deemed total lost. I don't understand why this a legal business practice.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

ongoing issue since XX/XX/2024. I found out XX/XX/2024 that my auto pays were being bounced back to my bank even though I made payments on time, I was being charged late fees because of my bank returning the amounts, looking like I never made the payment. XX/XX/2024 I provided customer service agent Proof through my bank account that the amount was processed, but then returned Six days later without any notification telling me that the payment was returned customer service agent in XX/XX/2024 let me know that everything should be fixed and corrected now and if this happened again to just call back and explain and they would remove the {$40.00} charge. However, I was transferred to multiple people and ultimately told they will not honor what the previous representative said they would do and when I asked for my dispute to have a response via so that I could take to my banking Institute and try to retrieve the {$40.00} charge from them in order to credit my account, I was told they can not give me anything at all. This is very much the opposite of what I was told last month what to do. ( The agent in XXXX told me that There should not be any issues because this is an ongoing problem, and I was able to re-verify my Banking account information was accurate, it was my bank that was returning the payments As fraudulent, although I never reported any fraudulent issues to my bank. 
XXXX also being charged {$40.00} and it can affect my interest rate. they were unwilling to work with or provide information that could help me resolve the payment issues. This was an ongoing issue and Because of the Proof I provided for my XX/XX/2024 autopay, They waived the {$40.00} charge the previous month. That same customer service agent is the one that told me if it happened again to contact them, let them know and that they would help me resolve the issue and I would need to dispute the late charge fee ; But that She didnt see any issue with assisting me if the same exact thing repeated.
Consumer complaint received 2020-08-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Riverwalk Financial Corporation (SC)

XXXX debt showed up on my credit report called the company asking what it was they told me they bought the debt from my old college which I wasnt even due to pay yet. After that they called me again telling me to pay the full amount or my credit would be effected. They called numerous times until I changed my number once in XXXX and then I started receiving the automated phone calls at the end of XXXX XXXX Ive called them and asked them to stop I blocked their number and now they are calling from numerous phone numbers constantly trying to say they are receivable debt solutions and all
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Cash App has been dishonest with their business practices. They got refunded from a vendor and they claimed they sent back XXXX dollars to my debit card. 

They have not sent money back to debit card like they promised.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On my credit, it says this account was charged off in XXXX and it wasn't that is very incorrect. These guys keep updating my information incorrectly. This has been going on for months and months. This is my third complaint they only reached out one time and It was just to confirm that I made a complaint, they are reporting late payment history but that is unethical to the simple fact this account was already a charge off, so how can any more payments be reported after that date? It's because they keep changing the date on my credit report and so I need this account removed permanently
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

On XX/XX/XXXX of this year I requested chime to pause my account because I could not find my card and my phone was stolen the night. My XX/XX/XXXX I notified them that I found my card and wanted to reactivate my account. Since then they have told me that they have not been able to help me because they could not verify that I was who I was. It turns out that the person who stole my phone on XX/XX/XXXX had hacked into all of my accounts including my XXXX email and my XXXX online banking app. So when I try to verify myself with chime through passwords and emails that they could not grant me access. They said that if I could verify or prove my existence with a selfie with myself and my ID and my social security number that that would suffice. Since then I have sent many photos of such. They keep telling me that they have a higher than normal ticket volume and they'll get to me when they can. It has been over a month and a half now and there has been no resolution. He has even affected my work and my rent status. To the point now that I almost lost my job and I am now homeless. What am I to do? Please CFPB me.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, Wells Fargo closed a {$300.00} dollar account for no apparent reason. I have received about 10 letters every month stating they will be in touch within 10 Days with no resolution or respo

nse via phone. I have mailed letters to WF to address this concern. This is the 2nd or 3rd tim
e I have reported this issue to CFPB with no response from you. 

I am appalled to say the least! I need to understand why Wells Fargo Bank is " managing their risk with my name '' Why are they " associating '' any risk with my account! 

I spoke to XXXX at the Executive Offices today to learn they are not able to " escalate this '' any further but provided no explanation as to why. She stated WF had to " manage their risk '' and " associated '' this {$300.00} dollar account with XXXX XXXX XXXX in XXXX, CA as a RISK! 

I am asking CFPB to address this. I will not stop seeking for support until there a better understanding of the issue, period. 

XXXX XXXX XXXX XXXX " XXXX '' XXXX XXXX
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I've been a victim of identity theft. Someone used my identity to open fraudulent credit card accounts. I need help removing " Portfolio Recovery '' off my credit report. I have no knowledge of this account
Consumer complaint received 2022-11-06
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. (TN)

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (ME)

On XX/XX/XXXX, I opened a dispute with Citi Cards regarding a fraudulent purchase made in the amount of {$370.00} on XX/XX/XXXX with a XXXX XXXX XXXX XXXX XXXX. The Case ID is XXXX. The dispute is still ongoing and despite having more information that would help them decide in my favor. However, I called in and was told by a customer service agent that the merchant is claiming that I would have to send in a document explaining why the merchandise is defective. 

However, I was informed that I would have to find the document that would allow me to dispute this claim under notices and letters in my online account, dated XX/XX/XXXX. When I followed the customer service agents instructions to get there, the last notification was received on XX/XX/XXXX. 

I then was routed to a number of different customer service reps that have failed to find this document which will allow me to appeal this decision. Theyve already decided that I am liable for {$370.00}, which my tracking information XXXX XXXX XXXX XXXX XXXX & XXXX ) shows was received back by the merchant on XXXX XX/XX/XXXX at XXXX XXXX 

This feels like a scam that CitiBank is conducting, and they have already decided that I am liable. It feels like they are giving me the runaround to erroneously charge me {$370.00}.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Since XXXX of this year, I have had to call Shellpoint at least once a month in an attempt to get the allocation of the monies we send them allocated as we instructed. I have spoken with representatives who apparently don't bother to listen even though I have asked them to make copious notes in their computer detailing our conversations. 

The monies are received by Shellpoint and they do whatever the XXXX they want with it. They have misapplied payments. Put payments in " unapplied status '' and currently hold money in this " unapplied status '' while charging the account late fees! How can you have late fees when you have monies in an " unapplied status ''! 


On XX/XX/XXXX we mailed Shellpoint Servicing a check for {$5300.00} to bring the delinquent payments current. 

On XXXX we mailed Shellpoint a check for {$2700.00} AND DESIGNATED ON THE CHECK THAT IT WAS TO PAY THE TAXES IN THE ESCROW ACCOUNT TO BRING THE ESCROW TO XXXX. 

On 2 SEPARATE OCCASIONS we requested that the escrow account be eliminated and that we would be paying the taxes and insurance. Shellpoint responded by saying they would " they would give us an answer ''. 

I spoke with a representative earlier around the XXXX of this month. I had not received a letter or notification the escrow removal had been denied. The representative I spoke with made no mention that it had been denied. I told the rep I was going to send a simple P & I payment for XXXX in and it should be allocated as such. I asked to make a note in the computer so someone would see it when the payment came in. We can get a copy of the recorded conversation to verify if we need to! 

We never received an answer for ether request to remove the escrow account. A representative from Shellpoint that I spoke with on Monday XX/XX/XXXX confirmed Shellpoint NEVER sent a letter stating to us the request to remove the escrow was denied. 

Therefore, as payments have been made, unbeknownst to us, Shellpoint starting with the XX/XX/XXXX payment, takes what would be a simple P & I payment and escrow taxes out of that. This leaves a shortfall in the P & I payment. They then charge late fees because the payments were " made full on time ''. 

We have sent payments every month on time since we started managing this account. I have called and spoken with representatives in an attempt to get the amounts needed to bring the escrow accounts brought to current. We sent those payments in. Because of their error not to send the escrow denial notification we were under the assumption our instructions had been followed as asked. 

Monday I learned they are applying the payments differently, and they are charging us late fees, holding money in an account AND NOW THEY'RE MAKING ME WRITE COMPLAINTS TO GET THIS RESOLVED!! 

I have spent an inordinate amount of time trying to get this company to get the allocations on this account correct. My efforts go in vain. I now have to seriously consider the thought that they are holding money for their own use and purposes.