davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

XX/XX/2020 Dear Consumer Protection Agency, I am filing a formal complaint against my mortgage company BSI Financial. BSI has a secure website for reviewing your mortgage information and making your monthly payments. Since the site is secure and I used my personal computer, using saved information to make payments just as if I paid my water bill, electric bill, or bought something on XXXX it should be the same. 
On several occasions I have made my mortgage payment for which, I received a confirmation number only later when making my next payment to find out previous payment was rejected. Every time I spoke to a representative, they stated my payment was rejected by my bank, but I couldnt figure out what was going wrong with each transaction. BSI added late fees, fees for over the phone payments, and even appraisal fees. Several months later, after several calls to BSI a representative figured out why I was having an issue. It was because their secure website did not except saved payment information even though their site was giving a confirmation for each payment received. Their system would later reject my payment unless payment information re-enter each time.

I had no way of knowing their secure site had this flaw yet, I was penalized financially and credibly with extra fees from BSI and a total of five passed due payments on my credit report.

Attached proof document below.
Consumer complaint received 2020-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (WA)

On XX/XX/2020 I received a payday loan for {$700.00} on line from Rapidtitleloans.They are funded by WLCC Lending.The loan is going to cost over {$1700.00} with the interest rate over 600 %. I live in Washington State.I have made 3 payments of {$150.00}. I called to have ACH withdrawals stopped.Was told it has to be done by email. I email and get no response.I call customer service again and am told they have not received any emails.I contacted my bank and paid a {$35.00} fee to try to stop the ACH withdrawls.
Consumer complaint received 2018-08-03
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. (MD)

I got a personal loan from XXXX XXXX. I fell behind on the loan for over 120 days, so XXXX XXXX initiated a legal process to collect the overdue amount and the balance of the loan. Because of this, and legal fee of {$86.00} was assessed. I was able to pay the overdue amount before this issue got to court, got the account back in good standing, and have made on-time payments ever since. Contrarily, my account has been reported as late from XX/XX/XXXX even though payments have been made on time. I called the bank and spoke with the manager ( XXXX XXXX ) and she was unaware as to why my account was being reported as late when there was a {$0.00} past due balance. I then wrote a letter asking them to rectify this matter and accurately report my account to the credit bureaus as this was now negatively affecting my credit. Come to find out, the reason they were reporting my loan balance as late is because of the {$86.00} legal fee which the Branch manager nor the other employees that I previously spoke to knew about. Moreover, the {$86.00} was not reflected on my statements nor bank summary until I brought the delinquent reporting to the bank 's attention. I then asked if I could pay the legal fee, but I was told that I could not and the only way the get rid of it is to pay the total loan balance which at the time ( XX/XX/XXXX ) was {$8000.00}. So the bank has been reporting my account as late for a {$86.00} legal fee that I could not pay and that is not a part of the actual loan amount that was borrowed. Nonetheless, it is being reported as though I have not made any payments for over a year when this is in fact not true. I've called the bank and formally written them several times only to get the run around and contradictory information. Finally, in XX/XX/XXXX I was told that " Senior Management '' has decided to allow me to now pay the legal fee, which I did. I sent the {$86.00} payment in on XX/XX/XXXX. However, it is still being reflected on my credit report that the account is past due for {$86.00}. Additionally, they've incorrectly reported my account to the credit bureaus. The account has not been delinquent since XX/XX/XXXX. It was being reported as delinquent for {$86.00} that was not a part of the loan amount and I was not even allowed the opportunity to pay that fee until a XX/XX/XXXX. When I asked if they would correct the erroneous reporting, they said no although they admitted to incorrectly reporting this information. Still to this day the {$86.00} is still being reported as past due. Additionally, they have not correctly credited the {$86.00} for the fee to my account. Dealing with this bank has been an absolute nightmare and it should not be this hard to get things done correctly or information reported right as this is their profession. The worse part is that it's clear that the people at this bank has no care or concern for how they're negatively impacting my life.
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name STATE OF CT DEPT SOC S Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/18, I used the XXXX XXXX XXXX XXXX to send {$300.00} to my mother. On the app there is a XXXX feature that is powered by PayPal. The quickpay feature only requires the recipient 's number so I used my mother 's phone number. 

As shown on the bank statement, the money was indeed withdrawn immediately from my savings account ; however, my mother did not receive the payment. 

I called PayPal about the problem and they did not find any transactions. All they could suggest was to wait 30 days for the money return. Admittedly, I lost track and waited too long for the money to return and I understand that this is partially my fault. However, I refuse to lose {$300.00} over an error made by one of these companies. 

I called the XXXX XXXX XXXX XXXX and they were able to provide a transaction ID to show that the {$300.00} was, indeed, withdrawn from my savings account on XX/XX/2018. The bank instructed me to call PayPal as they were not able to further assist me in getting my money back. 

Again, I call PayPal and gave them all the information they needed. They were able to find where my money went, and it turns out the money was sent to a recyclable phone. In other words, the money was sent to the wrong person who happened to own my mother 's phone number. PayPal is trying to notify the person but they told me that I am better off by contacting my bank again and disputing the claim. 

I am now filing a CFPB complaint since neither of these institutions are able to assist me in getting my {$300.00} back.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

Per your letter dated XX/XX/2019 in regards to the Consumer Financial Protection Bureau Complaint ID : XXXX, I am writing this letter of request and attaching a copy of the death certificate concerning XXXX XXXX XXXX. Please close out the above captioned accounts. Specifically, the sapphire checking account XXXX has a balance of {$5.00} and the premier savings account XXXX was charged a service fee of {$2.00} on XX/XX/2019 that should not have been charged on a deceased account.
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE (TN)

This company is repeatedly calling my work, asking for me by my former last name, so I know this debt is OLD as I have been re-married now for 8 years. 

But, I have let them know on every single phone call they make to my work, that they are calling me at work, however they continue to contact me at work repeatedly throughout the day ( sometimes 4 times per day ) and almost daily. 

The company 's name is Avante USA and the number they are calling me constantly from is ( XXXX ) XXXX
Consumer complaint received 2018-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (PA)

I took out a loan so my son could complete his studies. afterward, I lost income due to the fact my son was hospitalized and I had to become his caretaker. I ran out of money and became XXXX  for several years. I continued to send monthly payments to the agency that was a lot less than the amount expected and shared with them my difficulty and continued to make payments of the lesser amounts. Several times via phone calls I was promised to be given break because of my dire financial straits. I continued to be diligent on making payments of the lesser amounts often and told if I did make payments of at least {$40.00} monthly religiously for a year, I would be in an ln forgiveness program and my debt would be wiped away. Last year I got another call asking me to increase my monthly payment to {$80.00} a month with the same promise. I got another call with a complaint from the same agency agreeing that the previous callers dropped the ball and did not record the verbal agreement. They are threatening to force my current spouse to pay the bill in full, he is not responsible for this loam. They want to force me to sign new paperwork lying that I rejected an offer for a lower rate, then telling me getting the lower rate is not going to help me. 
I sent them a letter telling them I am still making payments of {$80.00} monthly as previously agreed upon and will continue to make these payments. This threat of making my husband pay monies he does not owe will again put me in a homeless situation!
Consumer complaint received 2018-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I currently bank with XXXX and receive periodic credit updates through them and Experian. On the morning of XX/XX/XXXX, I checked my credit and saw that it had changed as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I froze my credit with all three major credit monitoring companies in XX/XX/XXXX and have not unfrozen it since then. Furthermore, I have stayed current on all of my outstanding debts. In short, nothing has changed from what I can tell. I received a free credit report from Experian and it shows everything I have as being current. 

After a fair bit of work, I was able to speak to a representative at Experian and asked them if they can explain why they had dropped my score by 89 points and then raised it by 30 points. The representative was unable to explain it despite acknowledging that Experian owns and operates the algorithm by which credit scores are calculated. He then suggested I speak to a credit advisor to help me interpret my credit report to find out what caused my credit score to drop so much so quickly.

I do not understand how a credit monitoring agency can own and operate an algorithm to provide a credit score that enables people to operate in the modern financial world, but not be required to explain how and why that score may or may not have changed.
Consumer complaint received 2016-01-07
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Gift Cards charged {$60.00} in inactivity fees on a {$100.00} balance card, received in 2005 and never activated. 

I have some repsonsibility for losing track of the card. XXXX of the balance in fees is excessive. Amex reversed the last $ XXXX monthly fee and reissued a card with a {$40.00} balance. I 'm not satisfied. 

Current Amex Gift Card policy, prominently displayed on the website, is " No inactivity fees or other fees after purchase '' and " Funds do not expire '' [ 1 ]. 

There was even a class action [ 2 ] settlement. All action dates have passed. I did n't find out about it until after I discovered the card and reduced balance. 

We have XXXX of these cards. Only XXXX has been addressed with Amex. I respectfully request the complaint cover both. 

[ 1 ] XXXX [ 2 ] XXXX
Consumer complaint received 2018-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I requested money on paypal from my aunt for {$1100.00} to repay me for purchasing a hotel for a trip. In the money request it did not ask that I designate it as a friend to friend transfer ( no fees ) or a business transfer ( fees ). My aunt said there was no option to designate as a friend to friend transfer or a business transfer so she just clicked pay. I was charged {$33.00} for the money transfer. I asked paypal to refund the fee because we didn't see options to not pay the fee on the request end or the payment end and they refused.
Consumer complaint received 2022-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 I received an email from Capital One inviting me to check out XXXX XXXX so I could monitor my credit, or so I thought.. I clicked onto the link and it took me to an area where I filled in all of my information. I come to find out that it was an application for a Capital One XXXX XXXX. It was sneaky and deceitful how this was done. This was not what I intended to do AT ALL. I now have a new hard inquiry on all 3 major credit reports. I called the Capital One Customer Service department immediately to resolve this and ask that the inquiry be removed.. No problem, they said all I had to do was just mail them copies of each credit report showing the hard inquiry, a copy of the email I received advertising XXXX XXXX the credit denial letter for the Capital One XXXX XXXX as well as some personal information ( date of birth, SS #, etc. ) which I did. I get no answers any time I call Capital One to try and find out why this has not been removed from each of my credit reports. I was assured if I did all that they had asked for it would be taken care of. I have gotten no response back back either by email or regular mail regarding this matter. So now 7 months later I'm filing a complaint with you in hopes that you can help me with this.
Consumer complaint received 2023-01-17
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. (CT)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 2018-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

I have sent PNC a Payoff for my Second Mortgage. The Title Company XXXX the Pay off Check and PNC accepted and signed for the Check on XX/XX/XXXX. Since this time I have been on the Phone with them Daily to try to get them to Pay OFF my second. As of XX/XX/2018 the payoff from the Title company still has not been posted or cashed and now I have the Collection Department contacting me about the monthly payment. 

PNC has confirmed that they have Signed and received the Cashier Check but can not explain why they have not Paid off or Closed my account Any help you can provide I would appreciate it Today is XX/XX/2018 and I am formerly writing a complaint against PNC
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (OH)

American Express keep allowing someone to cancel and send my credit card to another address in another state. I have set up passwords, 4 digits codes, changed my email address like they requested and still they allow someone to send a card to another state. I talk to someone on Monday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 about this problem and they still allow this to happen. The only answer I get from this company is that they are sorry and they are working on the problem.