davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (WA)

After logging in to my account ( with correct username and password ), it wants to confirm my identity by sending a code to my telephone number. But the telephone number in my account is old and I no longer have access to it. Without this, there is no other way to access my account. 

I have created XXXX support tickets with the company explaining the situation. First they requested that I provide : name, phone number, email and last XXXX digits of the bank card. Then they wanted " the first XXXX digits and last XXXX digits of the card number. '' But now they want a picture of my government ID along with me holding the ID, but I am not comfortable providing such personal information for security reasons. 

I have asked for other methods if possible but they said there is none.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX and XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, and XXXX  Acct # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have late payments due but I continuously get multiple calls per day and messages left on my voice mails daily. I am constantly being harassed daily.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (TX)

I have been going through some financial woes for the past couple of years and thought taking out a loan with OneMain would be a easy solution. After hearing about the lawsuit, I checked my statement and noticed I have a life insurance policy that I never wanted. I am being charged for these services and I am sure it is a sum of my overall loan. I have been with OneMain for XXXX years now. Paying on this product that Ill never use nor do I want.
Consumer complaint received 2021-12-05
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. (DC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

At the top of COVID 19, I was unemployed and looking for work. I informed Capital One that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. Capital One still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I HAVE APPLIED FOR FINANCIAL ASSISTANCE ON MY FHA LOAN WITH PENNYMAC, I WAS RECENTLY DENIED STATING THAT PENNYMAC DOES NOT HAVE TO FOLLOW FHA GUIDELINES. I ASKED WHY AND THEY SAID THAT THEY ARE THE INVESTOR OF THE FHA LOAN AND THEY CAN MAKE ANY RULE AND NOT FOLLOW FHA GUIDELINES. THIS IS ABSURD AND NEEDS TO BE CORRECT AS I HAVE READ THE 1009 PAGES OF THE FHA GUIDELINES AND IT STATES THAT IF I HAVE MADE 4 PAYMENTS AND HAVE HAD THE LOAN AT LEAST 12 MONTHS SINCE ORIGINATION WHICH ALL HAVE BEEN MET I CAN BE REVIEWED. HOWEVER, PENNYMAC STATES THAT THE ABOVE STATE DOES NOT APPLY TO THEM BECAUSE THEY ARE PENNYMAC. I HAVE ATTACHED THE PAGE FROM THE FHA GUIDELINES TO SHOW WHAT PENNYMAC SHOULD FOLLOWING.
Consumer complaint received 2018-11-20
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: Consumer Portfolio Services, Inc. (IL)

I have been contacting CPS, who appear on my credit file as CPS numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Consumer complaint received 2023-02-14
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. (DC)

My current credit report is showing a hard inquiry from XXXX of XXXX on XXXX XX/XX/2023. I did not authorize this inquiry, contacted Equifax directly to have it removed, and yet it is still showing on my report. This is very disturbing, and concerns me that Im at further risk of identity theft. What can be done?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-06-10
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. (FL)

Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes XXXX business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in XXXX business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
Consumer complaint received 2019-08-28
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. (NC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Yesterday I received an email stating that my account had been locked due to too many unsuccessful signin attempts. I have not attempted to sign in recently, so I suspect that it was a hacking attempt. ( I did check the email, which came from a legitimate address - it seems to be the security company linked to the mortgage, XXXX I clicked on the link to reset my password and got to the two-factor authentication page. I tried text, email, and a phone call, but I never received a security code. This left me concerned that someone HAS hacked into my account and changed my information. 

My next step was to try to call the company. I used their " customer service number '' - the only number that exists. It claims you can get an agent there for a whole variety of concerns, including fraud. But it is a purely automated number ; there is NO option to get a human being and no option to report suspected fraud or get help with a locked account. If you try 0 it drops the call. 

The automated information also claimed the balance on my loan was XXXX. Of course I'd be delighted if someone hacked my account to pay off my mortgage, but this further makes me worry that someone has gotten into my account. 

I am very web savvy, but there is no email address or phone number anywhere on the internet that provides a way to contact this company. Other complaints to the CFPB have the same issue. How is a company that handles trillions of consumers ' dollars - and that, by the way, NONE of us chose to do business with ( like others my loan was sold to them ) - allowed to operate without a way for people to reach them when they are concerned their money has been stolen? I want my complaint resolved, but I also think this company should be forced to behave better.
Consumer complaint received 2018-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.
Consumer complaint received 2019-08-25
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: I.C. System, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX This is from 2017 but seemed a lot longer ago. 
I was given a XXXX/XXXX XXXX to wear and was assured by the office manager that it was fully covered by my insurance company 100 %. 
I took the brace home, never wore it, then received the bill for {$180.00} and that it was not covered by my insurance company. I called XXXX XXXX XXXX XXXX XXXX and spoke to the office manager who said there was nothing she could do. I explained to her that I could not afford to pay {$180.00} and that I would return the XXXX. She refused and I told her I was bringing the XXXX back anyway because they told me it was no charge, I could not afford it & it was not unworn. I returned the brace to their office the next day & they have since refused to take responsibility for their error or acknowledge that I brought the XXXX back.
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had a Bank of America sba loan and we had settled and paid off the loan in XXXX. We had the house as collateral, so Bank of America had a lien on the house and loan was paid off and the lien still on the property. We tried calling and going to the bank where we paid and they told us they dont have record of it. 
They directed us to you for best solution. 
We are currently selling the house and we are in escrow thats how we found out. 
Escrow closes XX/XX/XXXX and we need this lien off. 
Thank you for all your help XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened an account with Capital One Auto Finance in XXXX and carried a relationship with them until XXXX of XXXX. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by XXXX. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I had with your company for 4 years. This one late payment is causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I received an electronic debt letter from Hunter Warfield located at XXXX XXXX XXXX XXXX, XXXX, FL. I am not aware of this company and have never did business with them. When looking at the letter I notice violations of : 15 USC 1692b ( 5 ) 15 USC 1692e ( 10 ) 15 USC 1692b ( 2 ) The letter was also in violation of 15 USC 1692c ( a ). 
Again, this company is completing identity theft, I have not done business with this company. Please remove off my consumer report and provide compensation for the violations.
Consumer complaint received 2019-08-28
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. (NC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hello, On XX/XX/XXXX and XX/XX/XXXX I made 2 deposits into a Chase Atm machine. At the time of the deposits, the bank was not open and I needed to exchange small bills for larger bills. For one transaction, I deposited {$900.00} in small bills ( {$20.00} bills ) in exchange for 9 hundred dollar bills. For the other transaction, I deposited {$400.00} in small bills ( {$20.00} bills ) and did a XXXX  online transfer from an outside account into my checking account for {$100.00}. After the {$100.00} online transfer and the {$400.00} deposit, I withdrew the {$500.00} in 5 hundred dollar bills. After checking my statement, it showed that I withdrew the {$900.00} and the {$500.00} but my statement is missing a deposit of {$500.00}. I contacted Chase and they did an investigation and temporarily provided me the {$500.00} they lost. After their investigation, they removed their {$500.00} and closed my case saying they did not find that deposit. Someone from this company took my money and I would like to open an investigation. 

Thank You.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

XX/XX/23 My debt was paid to the original debtors. The original debtors was the city of XXXX XXXX. Penn Credit Corporation is reporting a collection on XXXX they cant collect for. It was deleted from XXXX and XXXX.
Consumer complaint received 2023-03-29
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. (PA)

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2021, I applied online for a XXXX checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN { {$100.00} } ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. Therefore, I respectfully demand that Populus pay the bonus of { {$100.00} }. Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus.
Consumer complaint received 2019-08-27
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. (IL)

Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I used venmo to receive payments from a client totaling {$1200.00} the service then held the money I received chronicling an absolutely absurd excuse of security for holding my money. They had me verify the acct which I did immediately. I was then informed that my funds would be held i true acct for 180 days. This is not acceptable
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DC)

Community loan servicing AKA Bayview loan servicing during a loan modification the company reported me as being 120 days late 23 times during the modification period this is impossible that equates to 5 years and also how was the reporting made doing the modification this is furthermore destroyed my credit report and scores have reached out to them on several occasions with no response looking to get this resolved ASAP. Thanks
Consumer complaint received 2021-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP (IL)

On XX/XX/2021, I received a notice from XXXX that a charge-off was added to my account unbeknownst to me by American Honda Finance Elgin ILL , Although I had previously asked both parties separately in written communication for specific documents pertaining to the authority and accuracy/verification of the amounts being reported. I specially ask for the authority and permissible purpose of the individual furnishing data, hard copy of original contract including wet-ink signature, pay-off disclosure, interest rate disclosure, balance history, payment history and credit insurance disclosure as of today I have received no valid response or proof as to who this debt, if any is owed to, or clear accounting showing the initial loan and each transaction. As for the charge off it appears to have certain inconsistencies in the data being reported to XXXX, XXXX and XXXX Thank you for help.
Consumer complaint received 2018-04-08
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. (MN)

Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.