davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I have been making payments to Huntington Bank for a settled line of credit. I have never missed a payment. It has been over 4 years. This has now gone into XXXX XXXX and they are claiming they aren't receiving payments. The treasury department is now handling collections for this debt. However, Huntington Bank keeps accepting payments. 

This has now dropped my credit score from XXXX to XXXX and I am now in the process of getting a mortgage. I can not get mortgage with a XXXX score. 

I call Huntington Bank and they forward me to the Treasury department and Treasury department refers me back to Huntington. Nobody will straighten out their mistake.
Consumer complaint received 2019-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I am writing you to show documentation and to seek resolution for my open fraud case with Paypal and XXXX XXXX XXXX. I, myself, am a PayPal user and have had a PayPal credit line since XX/XX/XXXX. My personal account is not involved in this case. In XX/XX/XXXX, I had my credit card compromised and it was used to open up another Paypal account in XX/XX/XXXX using my name and an email address the thieves set up in my name - that is not associated to me - and made several charges. The credit card that was used has NEVER been linked or used on my personal Paypal account. On XX/XX/XXXX, I made a claim with the bank " XXXX XXXX XXXX '' and with PayPal notifying them of the false account and charges. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, that PayPal stated that all charges were valid, despite me never opening the account or purchasing anything. I was directed to contact PayPal, the merchant, to further my fraud claim. 

Since doing so, I have contacted them every 7 to 10 days for further explanations. Each phone call, I have to give the same information repeatedly only to be told a refund would be issued to me in 7 to 10 business days. 

I have 3 different case numbers associated with my case. 

- On XX/XX/XXXX, PayPal refunded 1 of the charges for {$32.00} to the credit card account. 
- They refunded another charge on XX/XX/XXXX of {$32.00}. 
- On XX/XX/XXXX they mistakenly refunded a charge back to the fake fraud account and sent the money back to me on my real PayPal account in the amount of {$32.00}. 

On XX/XX/XXXX, I received a collections notice from PayPal that the fraud account has been over drawn in the amount of {$280.00}. I wrote a letter to the collections company XXXX, stating that this account was not valid and referenced the case numbers I've been given. 

Today, I received another notice from the collections company that PayPal has said all charges are valid and the debt is owed in the new amount of {$350.00}. The fraudulent account was taken into the negative on XX/XX/XXXX, more than 4 weeks after I first notified them that the account was fraudulent on XX/XX/XXXX. 

I need another party to intervene on my behalf. The credit card company XXXX XXXX XXXX  will not help me because PayPal said the charges were valid initially. PayPal claims to have closed down the fraudulent account and did refund 3 charges, but I am still owed {$500.00} and the collection company needs to be made aware that the debit of {$350.00} is not valid and the collection efforts need to be canceled.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My relatively new credit card from XXXX was compromised almost as soon as it was issued to me. I suspect this was an inside job by a person or persons in their employ, as the card number turned up on my bill, showing usage at pizza restaurants in southern states, and for amounts of pizza that I as a single person could not eat in a month. I believe it was party time at the offices where such cards are made or mailed out to people who apply to open new accounts. The company made some effort to cancel improper charges, but I never got a reconciled report of all transactions, though I requested one. They are now treating the card as active, and adding late fees and such, when all I wanted was to be rid of them and their various " service charges ''. They have been oblivious to my responses and request to CANCEL the XXXX card, and they are proceeding as though tardiness charges on the unwanted card are my responsibility to pay!! XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (AL)

Ocean Park Funding called and threaten me today. They said we will take legal action against you. And I said I am using a debt settlement company that consolodated all my bills and they would not listen. They also continued to call and threaten me while I was at work. Calling me on the job theating me while my supervisiors are wondering what going on. 

They could cause me to be fired for all there interruptions on the job, please address this matter with them
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (IL)

Hello I have been having hard time trying to fix my credit with forever 21 and XXXX ever since the pandemic. i have been answering multiple calls and giving them an answer when i can do the payments. they are being really rude and forcing me to give them a payment that same day even though i told them I don't have the money and has even told me to give them my bank information to take out the payment monthly when AGAIN i have told them i don't have the money. They have also reach out to my mom asking about me even though I spoke to them already. Then I noticed the bank account that XXXX credit collection was scheduled to a payment, but they took a payment that was not authorized. I have called constantly to speak to agents and ALL agencies were very disrespectful and would hang up on me. I spoke to the manager, and she was also being rude and then a week later i received my money back but they still constantly call me being rude when i have clearly told them i have no money to do the payment.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

I previously filed a complaint with CFPB for the same issue. I was able to pay the correct amount for one month because their company representative contacted me and was able to tell me via phone the correct amount to pay. The payment amount seems to change monthly and they only notify me via mail that comes after the due date of the payment. Their online system is broken- the login does not work well and I am unable to login without calling customer service. Once I do login, their online site does not show statements ( as advertised ). Their call center at XXXX has an average XXXX hour wait ( today it did not even connect ). Their backend accounting system looks like an antique, I've received mailed transaction pieces that look like they've been typed. I have paid the amount that I thought I owed every month and every month it changes, they do not apply my payment, and give me late charges even though they do not notify me of the new charges in a timely manner. I just need to know how much I need to pay every month and why the payment changes.
Consumer complaint received 2022-12-01
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. (FL)

In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.
Consumer complaint received 2019-05-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

after numerous disputes experian refuses to report this XXXX  XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

I have made payments on my card in the last week and a half that total over {$3000.00}. These payments have been pulled from my bank account, but my available credit ( purchasing power ) has not increased like it is supposed to once a payment post. I contacted Goldman Sachs Apple Card and they were not helpful.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus XXXX, Transunion, and XXXX and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances XXXX and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal credit union is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''
Consumer complaint received 2019-07-29
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. (CA)

XXXX XXXX reports that I have two credit cards attached to my name as far as both Equifax and XXXX are concerned, but the credit cards are in names that are not now, nor have they ever been, mine. 

I was able to file a dispute with XXXX  via XXXX XXXX, but Equifax can't confirm that I'm me and so can't discuss my account with me. 

I can not determine within whose records the error occur and none of these agencies seem even remotely interested in addressing the information. 

Additonally, multiple addresses of relatives appear as mine and the last employment history they have for me is 20 years old. 

These are the gross errors I am able to identify and can only imagine what other mistakes exist in my " file. '' My complaint is that Equifax has been, is, and continues to mismanage my personal information.
Consumer complaint received 2022-10-07
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. (NY)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I deposited a check written by/to myself from my account at XXXX XXXX XXXX to my account at 53rd Bank . Prior to me depositing the check, 53rd mobile deposit for the check said it will be available the next business day so I accepted it and deposited it. The next day, the money/check ( {$1900.00} ) was taken out of my XXXX XXXX XXXX account. My 53rd account went to a negative status however without any other transactions being processed but the check deposit. I called 53rd for them to tell me the check had a hold on it for 6 days but it can be available sooner. I asked why and was told sometimes it happens and that they must see something wrong with the bank where the money was being taken from. I complained since I needed the money but she said it's nothing she can do. She said the check was also miswritten and the words says different from the number amount and they were adjusting it from the XXXX to the XXXX since the words didn't have the XXXX. After getting off the phone, my account was back to the status of a balance as it was prior to the deposit, however, the account said the check for {$1900.00} was processed. 6 business days later and there was no changes, the money was not available from the check. I called again complaining, no one could give me a real reason why the money was not available. I complained to the executive 's office, who was very unconcerned for me being a customer and said that sometimes these things happen and it's out of their hands. Finally XX/XX/XXXX, I received the {$1000.00} in my account. I called to find out about the remainder since the original person told me the XXXX would be adjusted to the check ( meaning I would get the full amount that's what she told me. ) XXXX in the executive team told me that I won't get the remainder because they have to go with what is written. All this time, all of the representatives I spoke to even within the actual bank itself and no one said the check would not be provided in full. I could of called XXXX XXXX XXXX and had them to give me at least the {$900.00} if I knew it wasn't going to go through. I finally did that and they gave me my money right away. 53rd held my money from XX/XX/XXXX to XX/XX/XXXX. No one gave me a reason why it was held. I closed my account with them due to this ignorance and problematic experience that no one can explain. I am disgusted at the fact that they could not provide any just cause, they did not cash the check the next day as it said on the mobile app and it took all them days to go through. No one even called to say it was available or anything. This was the worse experience ever. 

BTW my mom told me she had 53rd bank and they allowed my sister to withdraw money from her account without my sister being on her account, she said she closed it immediately after and she should of warned me about 53rd. 

Please investigate, they do not need to be in business and they don't care about the customer at all.
Consumer complaint received 2021-09-23
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. (MD)

I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police XXXX XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.
Consumer complaint received 2019-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

Penny Mac bought my loan last XX/XX/XXXX, this XX/XX/XXXX they raised my escrow payment from {$300.00} to {$380.00}. my taxes went up around {$40.00} and insurance {$30.00}. all together {$70.00} does not meant i should have to pay Penny Mac an extra {$70.00} a month. At this point it is taking 3 of  my 4 checks to pay my house payment. I do not understand how this is legal to ask for a lot more money than my actual taxes and insurance are. Also I have to pay a mortgage insurance I do not understand why. please help more or send me to someone that can.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (AZ)

i have a XXXX XXXX XXXX. The navigation/radio ( XXXX ) does not work. I took it to XXXX  XXXX in XXXX az and they said that the part no longer works due to a short circuit. The part costs over XXXX dollars. On year 1 the battery went dead. Now this expensive issue. I should not have to pay for this expensive part. XXXX needs to pay for this. This is a very defective vehicle.
Consumer complaint received 2021-09-23
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. (MD)

I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

So I wanted to make my mortgage payment online with XXXX   XXXX XXXX - I could not. The option was no longer available. Upon calling they told me my servicer has changed to Specialized Loan Servicing LLC. Never heard from them before. Never got the monthly bill. Never got a welcome letter from them. I could not open an online account, because it would not accept my social security number or loan number - the field went blank as soon as I hit submit. Their website does not seem to be functioning properly ( sls.net ). On the login site it tells you, you can call them for {$12.00} and that you can pay online, but a fee might apply. I called them and they graciously allowed me to pay on the phone - but only this one time. I am now supposed to jump through hoops to make my monthly mortgage payments?
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C2 Financial Corporation (MA)

I applied for a new mortgage with C2 Financial Corporation. C2 brokered my loan application to XXXX XXXX XXXX XXXX. C2 continuously sent me incorrect closing disclosures and wanted me to sign them, but I refused until I saw a disclosure that was correct. The biggest issue was with the underwriting process. One of my employees forwarded me an email that she had received from XXXX XXXX XXXX to verify my employment on XX/XX/19. I was shocked that she would have receive such an email as she works in my marketing department. When I told her to delete it and not respond, she received another one the next day ( XX/XX/19 ). When I realized what it was, I asked for the correct person in payroll to complete. In the meantime, I let my broker and his processor know of the error and gave them the correct person to contact for payroll verification. They never reached out to me to ask who was the correct person to contact to verify payroll. When I forwarded the email to my broker and asked why a person in marketing would be asked to verify my payroll, he responded with " Im not sure but will look into and find out for you ''. He also copied the processor on his response. As I questioned as to how and why they got the individuals name in marketing and to change to the correct person, I received this response, " Ive had them update the information in the system. Ill see what I can find out about how they picked xxxx. Even on your website, xxxx is listed as a marketing person ''. In addition, I had him call my office and speak to the office manager to see who she would direct him to, it was the payroll department. I had assumed that the woman in marketing was removed and the correct person was added. Once my personal information and 3 years of salary information was verified, XXXX sent all that information back to the woman in marketing. This was after I had verification from C2 and the underwriter that they changed the contact. I received this communication from my broker on XX/XX/19, no response since. " FYI, I have been in communication with XXXX  and I expect that we will be hearing back from them tomorrow regarding the verification of employment situation. This has now been elevated to a director status there ''. This breach of personal and financial information caused a tremendous of unnecessary stress for me and my company as now my personal and financial information was in someones hands that should not have had it.