davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

I resent Citibank and XXXX XXXX XXXX using resources generated by my use of their credit cards to promote XXXX control. I am XXXX XXXX XXXX, a XXXX, have a carry permit and support the XXXX. It is a hassle to change credit cards but that will be my next step.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I have been using Paypal to receive payments for my online business. On XX/XX/2022 I receive payment from my online business but paypal hold my first payment. I then got a notice that Paypal is requesting for my verification details. I glady provided the files and all was fine until on the same day I get notified that my account has been permanently limited ( Ref ID - XXXX ). I immediately contacted the executive office and was told that one of the accounts I used to make payments and they linked to me had a limitation hence why I was also banned. I feel this was not fair on my part as I can not have controlled over how other people use their Paypal account. I really want my account back.
Consumer complaint received 2022-03-08
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. (OH)

I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.
Consumer complaint received 2021-10-30
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. (UT)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- XXXX
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ). 
( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date. 

TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My credit report has a bankruptcy that is currently inaccurate and on my credit file. I have it disputed with the credit bureau however it came back as verified. However, I do not know how this can be " verified '' since the Bankruptcy court does not report to the credit bureau as stated on their website. Also, a third party reporter named XXXX XXXX ( which Experian uses ) reports bankruptcies. However my credit file with that company is suppressed, and they do not report any information on me. 

Therefore, I am curious to know how Experian " verified '' my information with no source to verify it with? 

It is a violation of the FCRA ( Federal law ) to report inaccurate information and to continue to report unverifiable information. In this day an age when our elected officials in the highest government offices declare themselves above the law ; it is no wonder a large credit bureau like Experian continues to thumb its nose at the very laws that are supposed to govern it. 

That is not right, nor is it moral.
Consumer complaint received 2018-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (CA)

Hello, We refinance a few years ago and we were unaware we would have to pay mortgage insurance for 11 years. 

When we closed our refi loan we had about a 60 % loan to value and thought mortgage insurance was normal for a new loan. 

We are currently around 50 % loan to value and don't understand why we're paying {$300.00} a month in mortgage insurance it's completely unnecessary. 

I've contacted our mortgage provider multiple times and they have said they could remove it but won't, they will not drop the mortgage insurance. 

Had we known they were going to force us to pay mortgage insurance for 11 years and not 2 we would have not refinance our loan. It's always been our understanding mortgage insurance is 2 years or 80 % loan to value. 

We need relief from this I've tried multiple times and the mortgage companies simply will not work with us
Consumer complaint received 2018-08-04
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: PCS Receivables Corp. (NV)

As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I paid {$480.00} to Portfolio Recovery in full with a debit card on XX/XX/2018. The Funds cleared on XX/XX/2018 from my bank account. I called Portfolio Recovery to request a reciept of my payment. I was told there is a waiting period before a reciept can be issued. I requested that the confirmation of payment be emailed to me. I gave the representative my email address. I never received the reciept. I disputed the balance with the credit bureaus and as a retaliation tactic Portfolio Recovery Associates added a negative remark, they updated the status of my account to " Derogatory '' instead of paid and " Closed. ''
Consumer complaint received 2022-01-02
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. (OH)

Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, transition, and XXXX with no change. I would appreciate if these late payments are deleted from my credit report.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

This loan started out as a direct loan Parent Plus and then it was sold to someone else-? XXXX ? then it came to belong to Navient. i have made so many payment and the loan has not reduced at all. I have called them multiple times. I have been told over and over, in a few more payment it will start to reduce the prinicpal. Well as you see the principal has not changed an iota. i owe more on one loan than I even borrowed. My other loan is higher than it was when I got my last statement from the Federal student loan servicer. I am attaching the original loan amts from XXXX XXXX. The first sheet is not necessary, but the next 2 sheets are what i owed on the 2 loans I borrowed from XXXX loans BEFORE Navient took over the loans. My complaint is not with Direct loans per se, but I think this information is necessary. I am not sure why the bill does not show anything for XX/XX/XXXX or XX/XX/XXXX. I am almost sure Navient took over in XX/XX/XXXX but it could have been another provder, but I cannpt find any bills for me from anyother servicer and I KEEP my bills. ( so maybe only my son 's loans went to XXXX ). I  am almost 99 % sure it was navient that advised me in XX/XX/XXXX not to pay if it was difficult and no interest would accrue while the loan was in forebearance. I was unemployed for a while. That was a Flat out LIE!.  Then I set up payments when realized interest was accruing. I am attaching all payment that were on website. i have set up automatic payments, because I was told it would decrease my interest rate. My loans have always been 7.9 % and that is what it still is. Main concern is that I have paid approx {$8600.00} to navient and my loan principal has not decrease by even a dollar. It would be fabulous if there is any answer to this nightmare!!! I get so upset every time I look at this stuff. i have been making student loan payments since XX/XX/XXXXwith several large sums paid to other service provider. Navient says it will be paid off in XX/XX/XXXX- I can not believe this!!!!!!!!!!!!
Consumer complaint received 2018-08-04
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX  ), XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX Account # XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX  and Transunion ),  XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXX  Account # XXXX ( transunion ), XXXX XXXX Account # XXXX ( XXXX, XXXX transunion ).
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (AL)

I was currently in a chapter XXXX bankruptcy which I later converted it to a chapter XXXX which included my mortgage. I later applied for a loan modification with Ocwen loan service. I was approved so I dismissed my chapter XXXX because I no longer could afford to pay my bills mortgage and bankruptcy payments. I am current on my mortgage but Ocwen keeps reporting it as late on me and my wife credit reports.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP (MN)

XX/XX/2018 Rodenburg Law Office on behalf of XXXX XXXX  and XXXX XXXX issued a Levy on my bank account even though, after several emails with attached proof of SSI benefits as my only source of income. They sent garnishment documents to my small town bank who inturn froze and levied {$1000.00} from my account which left me when no money. 
My income solely stems from social security which is Federal and State protected from garnishment.

In addition, Rodenburg Law Office was fully aware of my Bankruptcy filling but went ahead and broke federal and state laws.
Consumer complaint received 2018-10-17
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. (GA)

I am requesting for my dispute to be forwarded to XXXX Consumer Affairs Office because these fraudulent accounts are not being handled properly nor correctly. 

The following fraudulent accounts need to be deleted immediately from my Equifax credit report : 1. XXXX Account # : XXXX 2. XXXX XXXX XXXX   XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX 4. XXXX XXXX XXXX  Account # : XXXX 5. XXXX XXXX Account : XXXX 6. XXXX XXXX Account # : XXXX 7. XXXX XXXX Account # : XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IL)

The collection account RMP is not mine, I reached out to the company in which they stated they did not have an account with my name or SSI attached to it. I have written several times asking for them to remove this file from my credit report because it does belong to me and is hurting my credit file. This file was last updated XX/XX/2019 from RMP services LLC for {$1200.00} and for {$610.00}. I have asked for them to show a signed contract to me showing my signature that also was unable to be could not be provided to me.
Consumer complaint received 2018-08-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

I took out a 2nd mortgage with XXXX in XX/XX/XXXX. In XX/XX/XXXX, I filed for bankruptcy and the mortgage was one of the discharged debts. I have since been paying the 1st ( to a different company ) and no foreclosure actions have been taken by holders of the 1st or 2nd. I am not considering selling the property and there is a lien from XXXX on the home. I am researched with the XXXX   system and it still shows XXXX as the lien holder. My research has shown XXXX XXXX to have taken over XXXX. I have been in contact with XXXX XXXX for the last few weeks and have not been able to obtain any information on how I can clear the lien from the title. I am seeking a loan payoff.
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates stated that an account and its proceeds were sold, assigned, and transferred by the seller on XX/XX/XXXX. They stated the seller provided an electronic file of its business records concerning this account. Their office considers this matter closed. Despite request to PRA in  XX/XX/XXXX, XX/XX/XXXX to all three CB, XX/XX/XXXX to all three CB, XX/XX/XXXX to PRA, they will not furnish any data that states that this debt is MINE and most importantly they dont have a signature or contract with me to report on my credit. I have made numerous attempts to resolve this inaccuracy and they WILL NOT send me proof.They are breaking the law by reporting inaccurate data to XXXX, XXXX, and XXXX. PRA is in Violation of the FDCPA ( including but not limited to Section807-B ) and the FCRA ( including but not limited to Section 623-b ). I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I disputed items from XXXX XXXX and XXXX and were removed from all 3 credit bureaus. Now a new collection company seems to have bought all these debts and re inserted these I was never notified that these would be put back on. 
Portfolio recovery 3 are XXXX XXXX 1 is XXXX
Consumer complaint received 2016-11-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016 I called Wells Fargo who has my mortgage that I would like to change my payment to weekly instead of every first of the month. I informed the CSR on the telephone that this should be effective for the month of XX/XX/2016 so we agreed that {$910.00} be taken out on XX/XX/2016, then XXXX starting XX/XX/2016 and every XXXX after that date. I was surprised when I checked my Wells Fargo home mortgage account on XX/XX/2016 that I was charge a late fee of {$18.00}. I immediately called the Wells Fargo Home Mortgage and inquired from them about the situation. I do n't understand why I should be charged a late fee when there was already an agreement that I pay weekly. I was told that there was a late charge because the payment was taken after XX/XX/2016 The CSR I spoke to blamed miscommunication and stated that {$18.00} will be waived. Today XX/XX/2016 this late fee is still in my account. I am worried because I checked my Wells Fargo Mortgage account and there states total amount due to make a loan current of {$18.00}. They have already taken my weekly payment of {$450.00} on XX/XX/2016 and XX/XX/2016. I want for them to straighten out their accounting on my mortgage please. I do n't want for them to keep on charging me {$18.00} in late fee when I am not late. An agreement for a weekly pay was reached on XX/XX/2016. I did not call Wells Fargo after XX/XX/2016 because I am too upset to talk to their CSR and will just put this under the rug for miscommunication. I was already assured on my call last XX/XX/2016 that this late fee will not charged to me and that there will be no future {$18.00} late fee that will be assessed since I have set-up a weekly account. 
Please help. 

Respectfully, XXXX, CA XXXX XXXX Wells Fargo MTGE Acct XXXX