davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: PENTAGON FEDERAL CREDIT UNION (CA)

An application was submitted in my name to Pentagon Federal Credit Union that I did not authorize. I have called several times and they can not find the application therefore the inquiry remains on my credit. Evidently, they have started an investigation but even after 30 days I have heard nothing back and upon checking in, they advised that it still hasnt been investigated yet and that I need to wait more time. The case number is XXXX.
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, I was referred for the American Express XXXX XXXX XXXX XXXX and was subsequently approved with an offer of XXXX membership rewards points after spending {$5000.00} in 3 months. I met that spending threshold and reached out and was told first that I was ineligible because I previously held this Card, I advised the agent that I had never had the card and that I never had any business card with American Express. Then they told me I was not eligible due to rewards misuse. They told me that when I apply it will tell me if Im not eligible, I did not receive the alert showing me I was not eligible and therefore submitted the application which resulted in both a new account and inquiry on my credit report. I then shifted my business Spend to this card, which American Express benefited from the processing fees/charges. After the Spend was met they advise I am not eligible for the bonus. I find this to be deceptive marketing and they should have to notify consumers prior to spending their money for the offers they are marketing for. I fully expect the promotion to be honored, as I would not have opened this account with American Express if I were ineligible.
Consumer complaint received 2019-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I brought my home with an FHA loan in XX/XX/2016.

My taxes are supposed to be paid through my escrow account.

I have made all required mortgage payments and was never delinquent.

It turns out the mortgage company was paying taxes to an incorrect parcel number for this entire time.

The correct county never received any tax payments because the parcel number that was being paid was in a different county.

The mortgage company is now demanding that I pay the delinquent taxes and all the fees.

I don't feel I should be liable for this since I was making all the required payments and I was told that my taxes were payed through escrow.

The escrow company has tripled my mortgage payments to recover the $ XXXX that was delinquent.

I can not pay this and I am afraid they will take my home.

If nothing else they should try to work with me to resolve this in a reasonable way instead of increasing my mortgage payments to such an unreasonable amount. from XXXX to now XXXX This doesn't seem fair and cant be right.

Please help
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has an inquiry on my credit report for an denied credit card ( XX/XX/2018 ) that I personally did not APPLY for. I disputed the inquiry with Capital One and the 3 major credit reporting agencies. They all give me the run about without an investigation. This is highly damaging my credit scores.
Consumer complaint received 2018-12-25
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. (DE)

FRAUD INQUIRIES BY THESE COMPANIES NOT PERMISSIBLE BY ME FROM XXXX XXXX ON DATES XX/XX/XXXX AND XX/XX/2018 AND XXXX XXXX XX/XX/2018 AND XXXX XX/XX/2018 AND XXXX BANK XX/XX/2018 AND XXXX XXXX XXXX XX/XX/2018 AND XXXX XXXX XXXX XXXX XX/XX/2018 THESE ARE ALL FRAUD INQUIRIES.THESE BANKS OBTAINED FRAUD INFORMATION FROM MY CREDIT REPORTS NOT PERMISSIBLE BY ME.
Consumer complaint received 2023-03-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

This servicer has many improprieties in the handling of the escrow/impound account of my property taxes and insurance premiums. Additionally, they are conducting escrow analysis more than once a year and radically changing my payments due to errors in their ability to divide by four. They are currently trying to collect for an insurance premium for the whole building as if it were the premium for each unit. ( There are four loans because each unit has its own parcel number. ) Additionally, in flagrant disregard for Fair Debt Collection practices, they call without identifying that they are a debt collecting and are attempting to collect a debt. They also do not reveal they are recording their calls. ( Seems unlikely that they are not. ). I continue to send them the payments I made the first 9 months of this year of the loan. Today they called and I said I had mailed the payments and rather than thanking me and making a note that I had made the payments, they began to argue and harass me that there was no evidence of payment on their end. 

This is the third mortgage servicer that violates federal law and they don't care anymore than XXXX aka XXXX XXXX who has also been sued over and over. When is this goisng to stop?
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX  XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Consumer complaint received 2018-08-23
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 (KS)

PayPal has inactivated my account without explanation. Further they asked for copies of my ID which I provided and they refuse to either restore my account or in the alternative cancel it. I do not want my credit card information in a suspended account. Recently the PayPal made additional request for a copy of my bank statement which I, under no circumstances, will comply with in any form. At this point in time, I would be satisfied with a simple closure of the account but told Paypal to either reactivate account or cancel it. PayPal refuses to do either. Further, PayPal offers no explination of their behaviour. My account has been open since 2014.
Consumer complaint received 2018-12-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC (TX)

I just recieved a court document threatening me to appear in court over a debt that is not owed to JHPDE Finance 1 LLC. I have never had an account with them yet they still leave notices threatening to sue. This is the third letter within two months that has been left on my property. I DO NOT OWE NOR HAVE I HAD ANY DEALINGS WITH THIS COMPANY AND I WANT THE THREATENING AND HARRASMENT TO STOP.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : 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 2019-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a parent/child checking and saving account with Bank of America with my son. On approximately XX/XX/2018 funds were transferred between the checking and savings account and withdrawn via Bitcoin and ATM. There was also a deposit ( {$300.00} ) via check. None of these transactions were done by my son or myself. The next day after discovering these transactions, I called the bank and was told there was nothing they could do until the transactions were out of the " processing '' status. Once they cleared this status I called back and filed a fraud claim. My son made a police report and I continued to follow-up with the bank. Since XX/XX/XXXX, I have gotten very little satisfaction with Bank of America from handling this claim, closing the account 9and my sin being XXXX listed with all banks ) to receiving his remaining funds in his account after it was closed. I have contacted the bank serval times from XX/XX/XXXX - XX/XX/XXXX to clarify this issue. In XX/XX/XXXX I submitted all the required documents they have asked for and haven't gotten a written statement as to why the claim has been denied as of today. 

In XX/XX/XXXX, I was asked to submit a detailed copy of my cell phone bill to include all phone calls and text sent on the day in question to verify if authorization was given to make the bank transfers. I submitted the entire month of that bill and never received a response from Bank of America. I called about 3 days after submitting the phone bill and was told the information wasn't attached to my claim because I didn't call to tell them I submitted it ( although Bank of America gave me the information of where to submit the bill ). I then called back about 10 days later and was told the claim is still being investigated and can take up to 45 days. I called back about 2 weeks later and they concluded with a denial still ( still haven't received any written information  as to why the claim was denied ). While speaking with a representative ( XXXX or XXXX ) he couldn't understand why the claim was still denied and was attempting to put me in contact with the investigator that processed my claim and get a better understanding of why my claim was denied, we were mysteriously disconnected and he never called me back. I called back the following day and spoke with another representative and he said he would send a message for the previous ( XXXX or XXXX ) representative to contact me. Needless to say, neither the claims investigator or XXXX/XXXX has contacted me. I haven't contacted them since my last conversation in XXXX. I was told to submit a claim about this issue ( as per another bank ). 

Attached is a copy of exactly what I sent to Bank of America.
Consumer complaint received 2022-08-17
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. (FL)

CFPB, XXXX, Experian, XXXX, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX ( XXXX ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Consumer complaint received 2019-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (GA)

I have a mortgage with Selene Finance. The mortgage includes a XXXX  XXXX double wide mobile home and XXXX acres of land and the balance is about {$120000.00}. I had to file a claim with my insurance company, XXXX XXXX, because of water damage. The insurance declared tho home a total lose and gave me a check for {$20000.00}. The check was made to the mortgage company and me. Selene advice me to indorse the check and send it to their loss draft department which I did.My intention was to use those funds to help purchase a replacement home as I have no desire to lose my property. Selene will not release the money for me to proceed with the purchase of a replacement home. I do not have the money to buy the home myself. Selene says the will hold the funds in a restricted escrow until the mortgage is satisfied. I have spent hours on the phone over the last month trying to work with them to get this resolved but they are unwilling to release the money from the insurance that I pay for.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

A collection agency continuously seeking an astronomical amount of money that I had already paid down before I was XXXX on XX/XX/XXXX for 15 months of XXXX I was just released on XX/XX/XXXX and now I'm being bill by this agency for more than the amount of the loan
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (AK)

XXXX / Wells Fargo has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2020-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION (FL)

I currently have a student loan with XXXX/Suntrust Bank and when Coivd hit and I wasn't sure if I would even have a job I had to place my loan in Forbearance. I did not receive any type of notice such as a phone call, invoice or anything that would let me know the Forbearance was due to expire so instead they reported my payment 2 months late and I was not aware of it until I received an alert from my credit monitoring. I contancted them immediately and asked them why they did not send paperwork or something informing me the payment was due and they said they don't do that. With everything going on in this country why wouldn't they try and help?
Consumer complaint received 2019-01-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation (OR)

1. Purchased home on XX/XX/XXXX. 1st Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX, 2nd Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX. Purchase price for home was $ XXXX 2.  XX/XX/XXXX 1st mortgage was sold and 2nd mortgage was sold to XXXX XXXX  XXXX. 

3. In XX/XX/XXXX both loans were sold again, the 2nd mortgage was sold to a " XXXX XXXX  ''. I contacted XXXX as I was no longer getting the bill 's and they responded by saying they hadn't received all the information on the loan, and quickly it transferred another bank and then again another bank and I was unsure who I needed to pay. 

4. In XX/XX/XXXX we had an opportunity with XXXX XXXX XXXX to refinance into a modification and we were told that the new loan would be $ XXXX, we thought this as including the 2nd mortgage. 

5. From XX/XX/XXXX to XX/XX/XXXX we made our payments ontime thinking we were paying for both mortgages, but in XX/XX/XXXX we received a forclosure packet from Franklin Credit Management Corporation. We throught from XX/XX/XXXX to XX/XX/XXXX we were making our payments, we weren't receiving any correspondence regarding a 2nd mortgage and our credit report no longer showed the 2nd mortgage or any late payments so we were extremely confused as to why we would be served forclosure papers. I have attached the notice of default we received from Franklin Credit stating we needed to pay {$39000.00} to cure default. 

6. From XX/XX/XXXX until XX/XX/XXXX I was trying to figure out what was going on with regards to the 2nd mortgage as I thought it was paid, and because they were going to foreclose I had to start making payments on XX/XX/XXXX of {$1700.00} per month up until current. Please see attached payment history. 

7. XX/XX/XXXX we decided to list our house on the market and asked for a pay off from both mortgage companies and the 2nd mortgage sent us a payoff of {$80000.00}.
Consumer complaint received 2021-07-15
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. (CA)

In XXXX of 2021, I noticed there were multiple unauthorized, inquires and addresses listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries or addresses. I submitted a letter, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Around XX/XX/2018 Equifax used another reporting agency to add a account. I was disputing a XXXX XXXX account where I submitted a XXXX credit report to reflect what the accounts should look like ( paid in full ). On that report XXXX  listed a account I was in the process of disputing XXXX. I called Equifax who states that XXXX sent over the information. I then kept on asking for the proof like some sort of contract with my signature and equifax refused to give me the proof where they got the account from. I finally called the creditor who stated any account closed for several years they wouldnt have reported on. They even wrote me a letter stating they could not find a account in my name during there search. When equifax used my XXXX report on a totally separate matter they broke the law under FCRA. I demand if they cant produce actual correspondence with creditor XXXX with a Auto loan contract to remove the closed account. Each reporting agency has there own way to collect data on a individual using something other then the creditor to verify a account is morally wrong. Again im demanding proof of the correspondence between XXXX and equifax. If nothing is found this should be removed per the FCRA. I have recently submitted a dispute but that dispute shouldnt exist. No matter what case I have for XXXX  at this time with equifax should be removed if proof cant be produced how they aquired it. Its a bit odd this account showed up when I submitted a credit report from someone else
Consumer complaint received 2024-02-08
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. (NY)

i have unauthorized inquiries on my report.i would like to get it remove if you can not provide proof such signature that i authorized these accounts. according to the FCRA any inacurate items on my credit report that isnt 100 % verifiable or accurate must be removed immediately it is not metro to complaint or meet E oscar requirement please remove item immediately.
Consumer complaint received 2022-03-15
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 (CA)

On XX/XX/XXXX of XXXX, I reached out to PayPal requesting that my personal information, as well as that of my business be erased as neither of these accounts have not been active since XXXX. Given that PayPal is in fact headquartered in California, does business in the state of California in excess of {$25.00} million annually, and has the personal information of at least 50,000 consumers, the provisions and protections afforded to consumers under the California Consumer Privacy Act do apply. 
I received a response from PayPal informing me that it was company policy to hold personal information for a period of 10 years, and that my information would not be deleted as a result, a clear violation of state law. They cited exceptions under the law, none of which apply to this old account or my particular situation as justification. They suggested that I close my account, but that the information would be retained even if I do so. 
This is about as clear a violation under the laws of my state as there could possibly be. Federal regulators have the authority over financial services companies, and PayPal is no exception. I ask that the consumer financial protection bureau investigate and take appropriate action to ensure all my personal information for both my personal and business accounts are erased in compliance with California state law. This includes my name, banking information, social security number, transaction history, banking information, credit card information, address details, emails address, password information, IP addresses, device information, and other personal information held by PayPal. I would also request that PayPal close both my personal and business accounts, as they are no longer and active and have not been since XXXX. 
Thank you for your assistance in this matter.