davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dearest sirs ... 
The above servicer ( Carrington Mortgage Services, working for XXXX XXXX XXXX  XXXX   XXXX ), sent a third party company to my home/homestead and trespassed onto my property, then pounding on my door, arrogantly stating " they are seeing if anyone was living at my home ''. 
I took the third party 's company name, the agent 's name, and filed a police report with the XXXX XXXX police department. My 4th ammendment rights were disregarded. This has caused me great stress. My attorney ( XXXX XXXX XXXX ) has been made aware of this. 

The original hardship on my mortgage was due to the usurious 11.8 % interest rate. I am offering a final payoff settlement of {$650000.00}. The original loan was {$310.00} in 2007. The financial crash causing a need for a lower interest rate. All efforts to come to a final resolution have fallen on deaf ears, i.e mediations, modifications, etc ... 
My mortgage has been through numerous banks and servicers the past twelve years. I can only imagine how many times it has been sold and resold. Carrington Mortgage Services is demanding the 12 years accrued usurious interest of 11.8 % payoff, being {$850000.00}, all the while attempting foreclosure. 
I believe my final payoff offer of {$650000.00}. Is fair and just. It would take me 60 days to expedite. 

Thank you for your kindest help in this matter. 
A prayer of blessings to all involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mortgage loan # XXXX Original XXXX Loan # XXXX Original XXXX # XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MA)

me. Im at my wits end. I just recently purchased a new house, and I am changing banks from Chime to XXXX  XXXX XXXX. Chime bank will not allow me to transfer my funds to my new bank. Ive contacted them on repeated occasions to try and get my money transferred over and because they say theres a limit per month on how much money they can transfer they keep denying my request, Ive requested them to close my account and overnight me my my check balance they refusing to do so. I also asked them to please send the check to my new bank. Theyre refusing to do so they will not help me in anyway and I can not get access to my funds to be able to put the down payment on my home. I dont know what else to do. I tried contacting XXXX  XXXX XXXX XXXX XXXX told me to contact chime chime wont change their limits. Allow me to transfer my funds. As Im supposed to be closing on my home on XX/XX/XXXX. Im hoping you might be able to help. Ive run out of all my other options. I I hI have tried to move funds out a tbit at a time but because of their monthly limit, they wont let me transfer any more funds Sincerely, one really dissatisfied. Chime customer
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XX/XX/ I paid off the account in full and then capital one enrolled me into a Covid relief program I didnt agree to for 9 months the account was paid off in full and now it is suspended and they add {$27.00} per month to the balance claiming it is a Covid relief program I didnt enroll for and how is adding {$27.00} per month to a card with no balance Covid relief they need to remove my account from this program and remove the {$27.00} per month since XXXX to a XXXX balance I will not pay for something I didnt purchase or enroll in
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

MyFedLoans was contacted regarding credited number of payments under IBR/PSLF ( Income Based Repayment/Public Service Loan Forgiveness ). They currently have credited my account 8 payments, but prior to the 8, they had me credited as 13.

They recently " reviewed '' the account and replied that the 8 is correct without any explanation and marked the account as closed.

They didn't explain the discrepancy or why my first two years of payments weren't credited when based on my plan, the amount was {$0.00}.

They were also supposed to credit 25 months from XX/XX/XXXX-XX/XX/XXXX where I worked for a XXXX XXXX in my area.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I opened an account at QVC with a limited amount of {$2500.00}. QVC has a policy of selling items on " flex pay '', meaning a customer has 2,3 or more months to pay the balance. I paid a minimum or more amount regularly every month, assuming that amount covered amount due. Then I get a phone call saying I owed an undisclosed amount ( somewhere around {$500.00}, they said ) over my limit. I asked why I was allowed to order over my limit but never got an answer. Now I am paying on two separate bills, one to their loan company and one directly to QVC and apparently they have also transferred some accounts to my XXXX XXXX without my permission!
Consumer complaint received 2015-07-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (TX)

google wallet has cancled my account with {$140.00} us dollars and will not get back to me about a refund this is borderline stealing. I cant get in contact with anyone about getting a refund and no one will respond in emails. this is my money and i need it now. the customer support is terrible and they can not provide any info on getting my money back to me im very displeased with how ive been handled. this needs to be addressed so customers can get their money back in a timely manner ... not a month or XXXX just to get a refund thats way to long to handle an issue. ive called more than XXXX times and no one can help me!!!!!!!!!!
Consumer complaint received 2022-07-08
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. (TX)

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.
Consumer complaint received 2020-02-18
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)

Law firm ( named below ) garnished checking account on XX/XX/20. I had sent exemption form in prior to this. Sent required documents ( exemption form, bank statements and case numbers of eligible government programs received ) on XX/XX/20 and XX/XX/20. Law firm is now saying they need more information. 
( XXXX XXXX, Attorney RODENBURG LAW FIRM XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, ND XXXX Tel : XXXX, ext. XXXX | Fax : XXXX | Email :  XXXX )
Consumer complaint received 2020-02-18
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I, Consumer XXXX XXXX entered a consumer credit transaction at XXXX XXXX XXXX for household and personal use and received no benefit. Sold and furnished my personal and private information to Capitol One as the lien holder and Converted to a " loan '' In accordance with the FTC, TILA, FDCPA, and FCRA is in Violation pursuant 12 USC 4502 ( 25 ) consumer rights pursuant 18 USC 242 deprivation of rights under color of law pursuant 16 CFR 444.1-3 and 16 CFR 433.2 preservation of consumer claims and defenses unfair and deceptive acts or practices. Billing error Pursuant 15 USC 1666 and 12 CFR 1026.13 Billing error resolution pursuant 15 USC 1692 e false and misleading representations pursuant 15 USC 1692 j Deceptive forms and obscene and profane language pursuant 15 USC 1692 d harassment and abuse.Any debt allegedly owed pursuant 18 USC 8. 15 USC 1635 right to rescission as to certain transactions, only recieved right to cancel did not disclose my right to rescind.15 USC 1692j furnishing deceptive forms. 15 USC 1605 Finance Charge.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (FL)

The car I just purchased had problems 5 days after I got it The car was in repair shop over a week. Has problems driving it two weeks. I put XXXX down and last payment was on XX/XX/XXXX for XXXX every two weeks. My car got repo this morning and i tried calling over the weekend and emailed them to let them know I would make payment Wednesday
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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 has violated my rights. Or a 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 2020-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

I recieved a letter regarding an alleged debt from PCM mangement ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ). I sent them a certified letter on XX/XX/2020 regarding them having unauthorized access to my medical information. Specifically i attached this language in the letter : " Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. " I am very concerned about a 3rd party having access to my medical information without my consent. They have refused to respond to my request for validation.
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Hello to whom it may concern my name is XXXX XXXX and I was giving fraudulent checks to mobile deposit in my account in exchange to help pay for stock and for me to keep the remaining money left over from the stock payment. I was dating name XXXX XXXX Gave me fraudulent checks to mobile deposit and when the checks were deposited Mobile. the check cleared and it became available instantly. The signature on the check is not mine .I did not know that the bank would clear a check that I did not a have the money to cover and did not wait 24 hours to deposit. I called the bank Monday, XX/XX/XXXX around XXXX XXXX to ask if the check cleared and if the money was really there and I was assured that everything was OK. XXXX XXXX had access to my phone and sent the money that was deposited via mobile checking app, to what I thought was stock market but sent it out to people on XXXX XXXX in XXXX XXXX and XXXX. The bank did not catch the fraudulent charges until all four of the checks cleared totaling 8000+ dollars. I have not spent the remaining amount of money of 2000 almost {$3000.00} so is there anything anybody can do to help me I dont have the money to pay back {$6000.00}. Im a single mother and I work for myself I have never made such a large deposit is there anything anybody can do to help me catch the people involved in this.Now the bank is also saying Im involved in first party Fraud and I cant get a hold of anybody to explain to me what that exactly means and what are my options.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

My name is XXXX XXXX and I am a victim of identity theft. I contacted the debt collector IC System and disputed the alleged debt pursuant to the FDCPA and FCRA. As of this complaint I have not received any proof or validation of this alleged debt. I did NOT incur this debt. I am attaching my identity theft notice/report from the FTC in an effort to have this item removed from my credit report.
Consumer complaint received 2021-11-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/ I sent a dispute to Transunion regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/ stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well .I also contacted the court and they informed me that they did not report to any credit bureaus.
Consumer complaint received 2021-11-17
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. (TX)

I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

Aargon Agency has put a debt collection on my credit report. I tried to find out why and couldn't get in contact with them a year ago so I thought it was a scammer. I tried to call them and didn't get a response and I have tried to contact them on the contact us homepage and no response.

How in the world does a company commit fraud and kill my credit score without me knowing why I owe them?
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On or about XX/XX/2020 I received a notification, i believed was from PayPal that I was charged for a computer security subscription for {$380.00} that has since been removed from the account. There was a contact number on the charge to call and when I reached a representative named XXXX XXXX who represented himself as the PayPal fraud center he began scamming me to remove the charge. 
He directed me to use a computer sharing application called XXXX XXXX  so he could assist me in resolving the charge. Unfortunately I agreed and the scam began. 
As you can see from the transaction in my PayPal transcript several debits and credits from various individuals were placed in the account and to clear the accounts they need me to provide a payment of {$950.00} to clear the account. I agreed to provide payments though PayPal, However, he said that because there was potential fraud the money had to be sent by other means so Venmo was the vehicle they asked me to use. The process was extremely confusing and believing I was working with PayPal I agreed and sent {$950.00} to XXXX and immediately knew I made a grave mistake. 
I looked at the account XXXX had provided to credits from a XXXX XXXX of {$890.00} and {$390.00} ( the initial charge from the security service ) totaling {$1200.00}. 
I then transferred the {$1200.00} to my bank account to cover my {$950.00} payment to XXXX on Venmo. XXXX said that the transfer was to cover the {$950.00} and to send him the balance to clear the issue. When I finally realized this was a scam I disconnected the engagement and refused any further conversations. When he/they realized that I had the money and was not going to send them any money there we two days frantic emails and texts trying to get me to respond. 
I then received a PayPal notice that there was a negative balance of {$1200.00} that had to be paid back because the XXXX XXXX payments were cancelled. 
I wanted to clear this issue and called the PayPal number on the site and got a rep named XXXX XXXX XXXX and he wanted to again use XXXX XXXX  to get into my computer and look at my account. I asked him why he could not see my account if he was PayPal? He said it was frozen and I needed to show him the charges. 
I told him I would only pay the balance if I could pay directly into my PayPal account but he told me he can not open the account and that I could go get PayPal gift cards and then provide him the card info and pay it that way!!! 
Alarms immediately went off and I stopped all communications again. 
I have been scammed and feel very embarrassed that I allowed myself to be scammed. I hope you can help me with this issue and also stop them from doing this to someone else. 
Regards XXXX XXXX
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

Someone using some of my personal information and related information was able to open a checking account and have checks issued. The reason we found out is that the checks were shipped to my home. Whoever opened the account used my name and the hypentated name of my ex-wife. I called the bank ( TD Bank ) and they told me that the matter would be investigated and the account closed if found to be fradulent. They did not provide me with any additional information nor any assurance that there would be cover for any financial loss. In adition, they advised that contacting any government agency or law enforcement would be pointless.