davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I make payments quarterly through Heartland ECSI and made a payment a few days late but then received a bill the next month for the entire quarterly amount plus an extra fee. I called for clarification on the amount due and was told to just pay a portion of the bill and that it was not accurate. I repeatedly requested that they provide an accurate bill in writing so I could make a payment for whatever was due. They refused saying that they did not have that capability. 

I requested that they email me the correct amount so I could have something in writing ( fearing that if I didnt pay the amount shown on the bill I would be penalized ) and they refused again, saying that they did not have the capability. 

In summary, I received a bill requesting an amount that was incorrect and yet ECSI were unable or unwilling to provide an accurate bill or anything in writing certifying the correct amount. I cant imagine how many students have mistakenly had to double pay in this same scenario thinking that the bill they received was correct.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Since at least XX/XX/XXXX, I have not been able to view my PayPal Credit statements online because I receive an error message. PayPal Credit is issued by Snchrony Bank, and they do not mail paper statelets. In late XX/XX/XXXX, I reached out to customer service, who didnt seem to care, and said I should try accessing my statements using a different device or computer. I never had a problem accessing my statements prior to XX/XX/XXXX. I upgraded my XXXX XXXX days ago and still receive the error message when trying to view my statements. I also used other devices and browsers to no avail. It is a violation to not provide me credit account statements. Even through a XXXX XXXX XXXX complaint, Synchrony Bank has not corrected the glitch to allow me to access my statements.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX has garnished my wages for something I never got a summons for. I have no idea what it is.. it is 40 % of my paycheck. I can not pay this. 

help.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

Dear XXXX, XXXX XXXX : My account shows " XXXX '' balance. 
I started calling customer service center many times. They said they can't explain. 

XX/XX/XXXX Visit branch office. They said I have to wait for 2 weeks. 

XX/XX/XXXX Branch office called me and ask to close my account XX/XX/XXXX : PNC charge me total of {$400.00} for closing fee. 
XX/XX/XXXX : File complaint for why they charge {$400.00} and why they never notified me? 
XX/XX/XXXX File complaint again. 
XX/XX/XXXX Case manager told me I have to ask branch office for refund and do not contact them any more. 
XX/XX/XXXX : Verified with XXXX branch officer XXXX XXXX XXXX for refund, and she said it ss " very unprofessional and they have no authority ''. 

XX/XX/XXXX : PNC offered me {$84.00} for return. and I said " NO '. 

I should not charged for service which I never used. 
Hope there will be no more innocent victim like me. 

Thanks for your kind support and helping. I can send all documents to your office upon request. 

All the best. 
XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to XXXX XXXX XXXX XXXX XXXX XXXX, my response to XXXX XXXX XXXX is in response to XXXX XXXX  XXXX response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office XXXX XXXX XXXX should receive my certified response and evidence within two business day as of today XX/XX/2020 XXXX
Consumer complaint received 2018-08-17
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. (FL)

On XX/XX/2018, I discovered a negative account XXXX XXXX XXXX XXXX XXXX XXXX for {$78.00} had been re inserted into my credit file. Company is required to notify me within 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

PayPal account was frozen and funds were placed on hold for 180 days. When I contacted PayPal they told me that they did not have to give me a reason for limiting my account. Ive submitted a dispute but have gotten nowhere. Its unacceptable for them to not give me reason why they are holding my money in my account. Please advise. 

Thanks
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on AWA COLLECTIONS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

This is my 3rd or 4th complaint against Capital One for the same exact issue. 

The company repeatedly denies my credit line increase requests, even though I have good credit, good income, and make all my payments on time. The letters they send DOES NOT provide a detailed explanation as to why ; the explanations are vague and provide little to no information as to why. When I call the company 's customer service to receive detailed information, they tell me that they can not help me and to read the letter explaining the credit line denial - even though I explain to them when we first start the call that 'm calling to receive specific information as to why I'm being denied a credit line increase. There is no detailed reason as to why I'm being denied a credit line increase ever provided. Even the companies previous responses to my prior complaints on the same issue are filled with no valid reasons.
Consumer complaint received 2018-08-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc. (SC)

On XX/XX/2018 at XXXX XXXX FH Cann Associates called me at my place of employment without permission to contact me there. The number is not public information and I have only had a direct line at my desk for a couple of weeks.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (CO)

XXXX and XXXX XXXX working with XXXX at XXXX XXXX. Said I owe {$2600.00}. an if paid in 30 days it would not go higher. Attached are the payments. they said it would be Reported to the Credit Reporting Agency 's. National Credit Systems is handling this, and laughing every time I call to have my report updated. National Credit Systems should be sued so they close their doors. the Malpractice they do.
Consumer complaint received 2018-08-17
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: Eastern Account Systems of Connecticut, Inc. (TX)

Eastern has not tried to provide real information on my credit reports. They use ready made answers to avoid having to actually verify a debt that their clients claim. Why is it that a Mortgage, car loan, bank loan, credit card, pay day loan or any other debt EXCEPT a false medical debt, includes two things : 1 ) A Contractual agreement. 2 ) A SIGNATURE. How is it? If the Consumer Finance Protection Agency will not help then perhaps the Texas Courts will. It is illegal to put false claims on ones credit, yet, Eastern has done it for their client. There is no proof of my being given the opportunity to challenge their false claims by notice as required by law. They only say so, no proof of service. They claim I owe money, yet they can not provide a contractual agreement or any other document save their invoice. Anyone can make up one of those. Thank goodness not many other crooks do this. Their placing this on my credit reports is just blackmail to get me to pay something I don't really owe. Texas law does not allow for any debt to be claimed or collected without a signed contract. Both parties must be signatories.
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

In the month of XX/XX/2018 I submitted payments to Carrington Mortgage Services LLC in the amount {$6500.00} mailed to the company for an additional principle payment. I additionally made my standard monthly payment of XXXX with an additional principle payment {$320.00} which totaled {$3000.00} which includes the XXXX $ fee for paying it on line. The total payment of {$6500.00} was credited to my standard monthly payments of escrow, interest, insurance and a small amount of principle instead of a total principle payment. This pushed my next payment out until XXXX. 

This principle payment was made to lower my mortgage balance and remove the PMI ( primary Mortgage insurance ) from my loan.

I have called this company 4-5 times to have them correct the payments and credit the interest to my principle balance to no avail. Each time they are contacted they tell me to call back in 72 hours and nothing is corrected. Carringtons number is XXXX during this process they continue to collect interest on the money i have already paid them and additionally collect primary mortgage insurance they are not entitled to. This is outright fraud and a direct violation of the truth in lending act. 

I would like to file a formal complaint against this firm for their truth in lending as they continue to defraud and allocate funds to imaginary accounts holding these funds to pay balances as they wish instead of following the directions from the borrower. 


XXXX XXXX -- XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX and XXXX XXXX XXXX. & the places I have cards or accounts thru, I have places like ally, XXXX XXXX  and gXXXX XXXX  services just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or XXXX. 


There is a collection on XXXX for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (TX)

Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

The student loans are a result of ID Theft. The loans were deleted from Salie Mae in XX/XX/XXXX because the loans were determined to be fraud. The sold them to XXXX XXXX XXXX.Under 609 law XXXX XXXX XXXX does not or can not provide the copies of the Promissary notes from Salie Mae. Navielent has my Adfidivit with Notary sent on XX/XX/XXXX. I want to sue them based off the CFPB case with Salie Mae because the loans were deleted or remove as a result of Fraud. Now Navient and XXXX XXXX XXXX will not delete {$100000.00} from my credit. I need to buy a home. Please help me XXXX email XXXX XXXX
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

We have been contacting the mortgage company for more than six months for a copy of our insurance declaration page or information about the property insurance that was placed by them the lender. We can not get any information about our lender placed insurance policy. We have called over 10 times I have sent emails. I even received a letter from them stating they will provide the information within 30 days like required by law. That letter from them was dated XX/XX/2022 and still nothing.
Consumer complaint received 2022-03-09
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: Santander Consumer USA Holdings Inc. (AZ)

I had sent in a FTC report stating I have been a victim of Identity theft to XXXX XXXX XXXX they Deleted the account on XX/XX/2021 NOT ONCE BUT TWICE Santander Consumer put it back on my report 2 MONTHS later as it is a violation to me as a consumer such as it took more than 30 days for a response. The creditors only have 30 days to verify the account belongs to me as they did not meet the criteria IM ASKING THIS ACCOUNT BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT!!!!!!!!!!!!! 

The COMPANY IS IN VIOLATION AND NO FURTHER ACTION IS NEEDED AT THIS TIME!!!!!!!
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (AZ)

This was paid by state health insurance as I WAS A VICTIM OF A CRIME. 
AARGON AGNCY Reported on XX/XX/XXXX {$36000.00} Account Details Last Reported XX/XX/XXXX Collection Agency AARGON AGNCY Original Creditor XXXX  XXXX XXXX OF Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$36000.00} High Balance {$36000.00} Remarks Placed for collection Creditor Contact Details AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2022-07-25
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)

My credit was affected tremendously because of identity theft. Someone opened XXXX money market accounts with XXXX by using my SSN. The same person filed for unemployment and almost made me lose my job. I contacted the IRS and still have yet to receive any information about fixing my credit. Because of those fraud errors, it has affected my way of living tremendously. I would love for it to be removed off my report. If someone could help me with that it would be awesome. There has also been credit cards in my name.
Consumer complaint received 2020-08-01
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: Experian Information Solutions Inc. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-17
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. (NY)

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on my old GAP card, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
Consumer complaint received 2018-08-17
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. (NC)

This complaint is about EQuifax I contacted them in XXXX about an account on my file from XXXX XXXX XXXX the contract for this account has been cancelled now they sent me paperwork on XX/XX/2018 stating that it was not reporting thats not an answer and it needs to be removed this is my fifth time disputing this and nothing is being done the contract has been cancelled
Consumer complaint received 2018-08-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (MI)

Thank you for the opportunity to discuss my problem. On XXXX XX/XX/XXXX I suffered a career ending injury. I applied for, and was granted XXXX XXXX  XXXX benefits in XX/XX/XXXX. In the subsequent 2 years I had no problem meeting my financial obligations. In XX/XX/XXXX, my benefits were arbitrarily terminated. A federal law suit was filed and is currently working its way through the courts. During this time I exhausted my life savings in an effort to meet my financial obligation. In late XXXX I began the process of requesting a DEED in LIEU ( DIL ) from HomePoint Financial,  the holder of my mortgage. After several difficult months of a run around trying to execute this, Homepoint finally, apparently put the process in motion. During this time period Homepoint was very difficult to communicate with. Often avoiding answering my questions. Frequently stating they would " look into '' my question and get back to me. Often never reaching back out to me. Finally after jumping through every hoop, always in good faith, the DIL was approved. On XXXX XX/XX/XXXX the appropriate legal documents were recorded with the registrar of deeds in the County of XXXX. These included the Warranty Deed and Discharge of Mortgage. I have attached them below. As todays date, XXXX XX/XX/XXXX, the account remains open with a balance of {$160000.00}. In addition Homepoint continues to report me to the credit bureau as delinquent. I have made several attempts to discuss this with Homepoint in the last several days and have been met with severe obfuscation. Every attempt to contact Homepoint has resulted in me speaking to a low level bank representative that has been unwilling or unable to rectify or even explain what is going on. I am sure CFPB can understand my frustration. This long drawn out process has had, and continues to have a very significant negative effect on my credit history. 
I believe Homepoint 's behavior is at best, bad faith and at worst, possible a violation of the law. I have completed every request made of me in good faith. Any help you can give in getting this issue resolved would be greatly appreciated. 
If you have any questions please feel free to contact me at your convenience. 
Sincerely XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (FL)

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