davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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: BARCLAYS BANK DELAWARE (MI)

When the fraud first occurred I called I notified the bank about all the transactions they said dont worry will take care of this yeah you wont be liable for anything fast forward to today theyre reporting the account as two months past due theyve added numerous late fees and interest and it says I owe XXXX dollars Ive called them since then and I spoke with the fraud department very nice guy he said oh were sorry we must not have gotten those transactions in with the original fraud claim OK so they missed a couple I wasnt mad as long as they would fix it but the trouble is is theyre not fixing it called the third time I was told the same thing that they were going to fix it not to worry but my account is still past due I should have a XXXX balance in addition to that I have contacted them through their website the message Center when they respond they never give me any answers never I have a long history of this it seems like no matter what I asked they never have an answer I mean I could ask what color grasses and they would say were not sure you should call this person or that person theres no help at all I dont know what these people are getting paid to do because they dont help your customers and then at one point you said that someone is calling me while I travel a lot and I travel internationally a lot so Im not always able to receive voicemails or phone calls but even when I get back to the XXXX I check my voicemails there is nothing from you and Im explain to you that I dont need you to call me I dont need you to say sorry I just need you to fix it in the final straw was he sent me a letter that is extremely vague I have absolutely no idea what it means in the letter I just want these last transactions to be fixed you made a mistake not me youre fine department admitted that already
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

Hello Sirs. 
I am a widow selling online my late husband 's militaria antique collection. As a payment method I was using Pay Pal payment method. 
OnXX/XX/XXXX I have received from PayPal email that my accounts are permanently closed and I will not be able to open another account. My funds were put on hold for 180 days with option to release in 180 days. I have contacted Pay Pal agents several times and they explained me the reason - violation by accepting PP payments for antique fire arms ( I did not know about this PP rule which is not an excuse for me ). 
All the agents whom I contacted with had assured me that in 180 days onXX/XX/XXXX my money would be released and they will instruct me how to procede. 
But onXX/XX/XXXX full amount of {$6.00} XXXX from my account was transferred to PayPal without any notifications and explanations. PayPal did not release my funds in 180 days ( XX/XX/XXXX) as was promised. 
Please help me to get my money back. I am single senior widow and it is hard enough to survive during this challenging times due to pandemic.Thanks in advance.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

The issue is with Equifax regarding verifying identity with Social Security and address to place a fraud alert. When I communicate with an agent to place a fraud alert, the agent verifies my data with the information given over the telephone and then places a fraud alert on my file. Note, even though I can provide valid data, Equifax still blocks access to my file. However, when I communicate my concern about the file and the alert, Equifax wants me to send in via mail or in electronic form my social security card and official address. My concern is that a copy of my social security card with the number and a copy official address card was sent in without receiving any response whatsoever. This concern causes me to contact the Social Security System and alert them of my concern. I also noticed afterwards that Equifax was involved in a security breach of which I am part of this incidence. This means that my data is compromised. 
The parties that received the information via mail are Equifax Information Services LLC and XXXX XXXX XXXX who requested my social security card electronically. The entire purpose was to very the identity but uncertain as to what Equifax is doing with my data because Equifax is continuously blocking my account.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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. 

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

Called customer service regarding late payment fee assessed. When called the company, a different servicing company answered from phh mortgage company to XXXX XXXX. We were not told or notified that a servicing company had been changed. Anyhow, our concern is that we are being assessed for a late fee when in fact our account had been set up biweekly through bill pay from our own bank account, and it had been set up that way since we started the mortgage since 2015, and this is the 1st time we are being charged for a late fee. We checked our bank account and its been properly sent prior to due date.. our concern is late fees being assessed and frequent changes of servicing mortgage company, since we had the mortgage, it was changed to 3x and adds to confusion and frustration.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (FL)

My refinance took longer than expected. Flagstar charged me 3 times @ {$30.00} for payoff quotes that I did not request. To the extent I did request quotes, I did them by mail to avoid their excessive and unfair fax/electronic fees. My presumption is the request came from the title company, but Flagstar did not reach out to me prior to fulfilling the payoff request to gauge whether there was a rush need that required electronic versus mail. Instead, they fulfilled these electronically and charged me a fee. This is an unfair and deceptive practice when it is cheaper to generate electronic payoffs than it costs to mail. I have no way to prevent it from occurring as I am not the source of the request. Moreover, I wonder if Flagstar provides payoff figures to their internal sales team when their customers refinance with Flagstar rather than a competitor. 

In speaking with Flagstar, they were unconcerned with this practice and told me to take it up with the title company that incurred the costs on my behalf. 

Separately, I tried to reach Flagstar in XXXX to talk about Loss Draft funds related to Irma, but they'd switched insurance vendors. There was no one available to talk to me after repeated attempts. They took my number and never returned my calls.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a copy of my Transunion credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am saying that I am 100 percent sure if they are wrong. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have a late payment listed in XX/XX/2021 Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 

Account name : XXXX. XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please reinvestigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is XXXX XXXX XXXX XXXX MI XXXX.
Consumer complaint received 2019-01-14
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)

My account with XXXX XXXX was the subject of identity theft and fraud. XXXX XXXX   continues to report invalid and inaccurate information to Equifax. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and XXXX XXXX has failed to comply. 

XXXX XXXX  has also repeatedly failed to send account statements as requested many times.
Consumer complaint received 2022-04-11
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 — Problem with personal statement of dispute
Company: Grain Technology, Inc. (AZ)

I had grain since XXXX and out of no where my payments stopped coming out of my account without me knowing I contacted grain via email as they dont have a number where I can call them They took months to reply to change my info. Now it doesnt even let me pay with a debit card. Now my credit score was ruined because of their lack of communication. I would like these 3 late payments removed please. Im trying to buy a house
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Very similar to Case # XXXX but with different details of course. 
On XX/XX/XXXX I deposited a promotional offer check for {$7500.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$6000.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$5300.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

So I had 3 promotional balances. The last one expired first. 

On XX/XX/XXXX, two days before the promotional APR balance of {$5400.00} was schedule to expire, I made a payment of {$5400.00}. That was meant to clear the balance that was to expire first. The payment was allocated to the promotional balance that was scheduled to expire on XX/XX/XXXX. 

The XXXX statement shows an {$88.00} interest charge on the balance that expired on XX/XX/XXXX amd no balance for the portion meant to expire on XX/XX/XXXX. 

I called Bank of America and their rep, XXXX, explained that their policy is to allocate the payment to the balance that started first, ( which still had two months left at 0 % ) and not to the balance that was expiring first ( which was in two days ). 

This is not explained anywhere on their offer. It also makes no sense. If I would have waited until the balance expired I assume it would have allocated correctly according to law. 

This was not acceptable. I asked to be called by a supervisor, but received no call as of yet. 
I have since scheduled a payment for the interest accruing balance, but do not know the final amount I will be charged.
Consumer complaint received 2022-04-11
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: NAVY FEDERAL CREDIT UNION (IL)

I've disputed a late payment with the 3 credit bureau 's and contacted Navy Federal asking for an accommodation because of the CARES Act signed into law in XX/XX/2020. I have 1 late payment in XX/XX/2020 due to the Coronavirus.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ND)

I attended university from XXXX to XXXX, this loan was obtained in between my years of attendance to pay for tuition. I began paying this loan immediately after school as it was a {$10000.00} loan and I wanted to tackle the balance right away and feel accomplished about it. I am not even sure how to express the frustration and disgust of what happened from XXXX to present but the loan was transferred to 4 or 5 different lenders without any notification to me. I would sometimes receive a statement or letter in the mail from the new company and i would try to call the previous company that held the loan and they for the most part could not help me because they had nothing to do with the loan anymore. I got so overwhelmed and frustrated trying to track the loan and understand what or why that was happening. The next thing i noticed was the increase in the balance and the interest changing each time it was passed around. Even though i was making payments my loan all of sudden was increasing in balance. I argued with the lenders and asked for explanations and never received answers. The suggested deferrment and forbearance and suggested it was a good way to stop paying for awhile. i have had multiple deferrments and forbearances and then i noticed after that happened the balance kept increasing. i tried to make payment plans with the lender and then low and behold the loan was moved again. I have never felt so deceived and angry about something that is so personal to me. I worked my XXXX off in school and my parents could not afford the tuition entirely so i required loans. This loan was suggested by the school and it happened so easy i was delighted. And they make you think once you are done school you make low monthly payments and easy peasy it will be gone in no time. That would be manageable but that is not what has happened. i was deceived and the loan was tossed around and my life in the process. I have no issue paying the original balance of the loan which was $ XXXX less any payments i made from XXXX to present. that is what is fair and that is all i would be able to handle. I would not have gone to school if i had to take out a $ XXXX loan because i cant afford that. This is criminal what they have done and i have been beggin for loan forgiveness and help for the actions they have taken. Please contact me as i would really appreciate someone to finally reach out and help me.
Consumer complaint received 2022-01-26
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. (PA)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Greetings CFPB, My complaint is against Huntington National Bank where I had a checking account in good standing. This account was opened involuntarily as my original account was held by XXXX XXXX which closed. I had my account at XXXX for a number of years in good standing and I was not at all interested in having my account converted to Huntington. However, I had no option and for the most part the transition was smooth. I had a number of payments made from this account so I decided to move to Huntington for simplicity, what a mistake. The account was opened XX/XX/2019 and there were no problems with overdrafts etc, but last week they decided that I was a risk and notified me that my account was closed. As a carryover from XXXX a large portion of my paycheck goes into this account and now stability for my family is jeopardized. I was advised that the payment will potentially be returned to my employer making scheduled payments late. This will cause undue hardship on my family as I am the primary earner. Huntington has no definitive explanation of the risk that I pose. Quite frankly they appear risky as they have lost contracts inside of our local major retailers and the turnover rate is astronomical for employees. I am complaining that without risky behavior I have been deemed a risk and suspect that red lining may be the reason. I have researched some complaints against this bank and often there is a recurring theme and the sketchy actions usually originate with the bank itself. 
Thank you for your thorough review of my complaint and this unfounded accusation that they are making against me. I am able to provide all documentation of account activities since it was opened through merger in 2019. 

Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX # 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 an account without my written instructions.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX # 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 an account without my written instructions.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (IL)

I was the previous owner of the property located at XXXX XXXX XXXX XXXX, Illinois XXXX which was subsequently foreclosed and purchased by XXXX on XX/XX/2018. Since then, XXXX has made no attempts to assume responsibility for the existing water bill. The utility company refuses to remove my name from the bill until the bank takes ownership. The account continues to accrue.