davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
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. (CA)

I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-26
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: EQUIFAX, INC. (CA)

I have disputed the account XXXX  XXXX with Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion, I am completely appalled with your service! Today I receive notice about file number XXXX stating that you received something from a third-party regarding my credit report. Ill have you know that I am doing my own credit repair. On every letter I send I include a picture of my photo ID along with a copy of my Social Security card. For you to say that an unauthorized third-party is doing this for me implies that I am unable to dispute you myself. Are you saying that I am unable to research the FCRA myself and dispute you on errors on my credit file? I mailed you 3 letters in one envelope. One letter states, that I have attached, three collections are showing as past due on my credit report and collections can not be reported as past due that is an FCRA violation and I demand that you delete those 3 immediately! I have also ask you to look into the other two accounts on the other two letters that I have also attached to this complaint. Do take my letters seriously! Do not send me another stall tactic or notice stating that someone else is doing this for me because I will have you know I am doing my own credit repair and do not insult me!! I mailed these on XX/XX/2022 and your response that is attached is dated for XX/XX/2022, so let your investigation take no longer than XX/XX/2022 for youre ridiculous stall tactic!!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX keeps reporting to the credit reporting agencies as negative reporting accounts to my credit report and its not correct. 
I don't know how its reporting negatively with a positive balance! 
This information is not supposed to be reporting to the credit reporting agencies because this is private information. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, post-secondary school.

20 U.S. Code 1232 ( b )
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2019 I loaded {$300.00} on to my PayPal account via in Store load at XXXX. The money posted to my account and confirmed by PayPal via email. The email further stated that these monies were available to be used. Shortly after I attempted to make a purchase from XXXX using my personal credit card as well as the funds I placed within the account currently managed by PayPal, which is a custodial account held by XXXX XXXX XXXX XXXX. Each time I attempted to use my funds i received an error message, so I contacted the PayPal support Customer Service line. After being placed on hold and finally speaking with a representative named " XXXX '' ( PayPal ID # XXXX ) I requested to speak with an American representative and/or manager since he could not understand my request to utilize my personal funds via the financial instrument of my choosing. The representative replied that there are no American Representatives or Managers. I Then asked if there was a manager that was capable of understanding my request. After the call was transferred I was greeted by the PayPal supervisor, " XXXX '' ( PayPal ID # XXXX ) who began to access my request, the call was a total of 2 hours and minutes and the managers last declaration was to contact technical support because on PayPal 's end everything was fine, and available however i attempted to transact my account with PayPal across several devices and doing so while engaged with " XXXX  '' who stated he was monitoring my account while still displayed no errors messages. I has come to my understanding that he and his immediate team members were all purposely preventing my from transacting the account. The call was on a recorded line which I personally recorded as well for my own protection and it can clearly be heard that the employees in the background were slanderous and have incited the defamation of my character and my financial activity. There was no resolution provided. I then attempted to to transact my PayPal balance by within PayPal 's very own Digital gifts webpage I attempted to purchase for myself an XXXX gift card, and the transaction failed and then PayPal placed a limitation on my account. The manager XXXX further said that I needed to be transfered to this account, he said it appeared that someone was trying to use my account although he confirmed that the only account accessing the account was the XXXX  browser IP address, which I am currently using. The evidence in this matter is overwhelming. That PayPal is, was, and has been treating consumers unfairly and viciously.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

ON XX/XX/XXXX I OPENED A CHECKING. EVERYTHING WAS GOOD. 
ON THE XXXX THE XXXX I DEPOSITED A CHECK FOR {$1200.00} INTO MY WIFE 'S ACCOUNT. THE CHECK WAS RETURNED UNPAID, THE REASON IRREGULAR SIGNATURE.ON XX/XX/XXXX I MADE ANOTHER CHECK FOR MY BROTHER FOR {$430.00} CHECK WAS PAID. ON XX/XX/XXXX I DEPOSITED ANOTHER CHECK FOR {$1200.00} TO COVER FOR THE RETURNED CHECK. I ALSO VISITED THE WELLS FARGO BRUNCH TO MAKE SURE THE CHECK GETS PAY IF IT IS ANY PROBLEM TO PLEASE LET ME KNOW. THE VISITED TO THE WELLS FARGO BANK WAS A WASTED OF TIME. AGAIN THE CHECK FOR {$1200.00} WAS RETURNED UNPAID SOME REASON IRREGULAR SIGNATURE. THE TWO TIMES THAT THE CHECKS WARE RETURN BY WELLS FARGO BANK UNPAID CREATED A LOT CHARGES TO MY WIFE BANK ACCOUNT XXXX  XXXX  XXXX. {$200.00} I DON'T UNDERSTAND WHY WELLS FARGO BANK NEVER CONTACT ME ABOUT THE RETURNED CHECKS THEY HAVE MY E-MAIL MY CELL PHONE.
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I refinanced my mortgage, which was held by Wells Fargo. They provided a pay off amount, and we wired that plus additional funds to cover any delay in the receipt of those funds. They held the wire and without communicating anything to me, did not apply the funds and then sent me a threatening letter saying I was in default on my mortgage. They would not supply any rationale for the extra amount that was owed. In the end, they charged me mortgage insurance twice in the month of XXXX, which was the additional amount they said I owed before they would pay off the mortgage. I was charged XXXX on XXXX XXXX and the payoff was wired to them on XXXX XXXX. They then charged the account an additional US {$320.00} in mortgage insurance on XXXX XXXX and held up the payoff for almost 10 days so they could charge that additional amount. They acted like they hadn't even provided a payoff total and refused to communicate why additional funds were being charged. This has effected my credit, and is a fraudulent practice. I was told that if a wire is incorrect, the bank normally returns it immediately and provides a corrected amount, rather than holding it for 10 days without explanation so they can charge an extra fee. 

Regards, XXXX XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CASHCALL, INC. (CA)

I have been receiving repeated calls from this company called XXXX XXXX XXXX XXXX XXXX XXXX, a collection company in behalf of Cashcall for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.
Consumer complaint received 2018-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

15 U.S. Code 1692g - Validation of debts states : ( a ) that the debt, or any portion thereof, IS DISPUTED, or that the consumer requests the name and address of the original creditor, THE DEBT COLLECTOR SHALL CEASE COLLECTION of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

THIS MATTER HAS BEEN IN LITIGATION SINCE XX/XX/XXXX. YET, XXXX XXXX, XXXX IN VIOLATION OF THE FDCPA CONTINUES TO REPORT THIS DEBT AS VALID. THE COMPANY HAS EVEN RE-AGED THE DATE OF THE DEBT. 

THEY ARE REPORTING TO XXXX CREDIT BUREAU THE DATE OF XX/XX/XXXX AS THE DATE THAT THE ACCOUNT WAS OPENED WHILE XXXX   LETTER, DATED XX/XX/XXXX in YOUR cfpb files - OFFICE OF THE PRESIDENT state that the account 's was OPENED in XXXX ; last date of activity was XX/XX/XXXX. So how can XXXX be reporting an OPEN DATE OF XX/XX/XXXX? How can a matter in litigation be validated?
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

I purchased two storage cabinets on my home depot store credit card on XX/XX/2022 for {$350.00}. When the order was not delivered, I had to wait months before that purchase was voided on XX/XX/2022, while still paying interest on that purchase as well as other legitimate orders before and after from that retailer.
Consumer complaint received 2017-06-23
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: CORELOGIC INC (CA)

In XX/XX/XXXX, I was considering applying for a HELOC through my XXXX. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a single XXXX XXXX woman, I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from CoreLogic or XXXX. In XX/XX/XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from CoreLogic. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted one or even called me back. I have tried to have this inquiry removed because I did not authorize it.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2019, I was checking my credit score. When I came across the information, concerning one of my credit cards with XXXX XXXX XXXX XXXX/Comenity Bank. It appears my credit limit was lowered again without my knowledge. I have never been late and I'm working on my credit, in order to improve it. Now, since the Comenity Bank lowered my credit limit and my credit utilization is high causes my credit score to be lower.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My Mortgage Was Sold to XXXX XXXX XXXX in XXXX and they took it upon themselves to set up an Escrow Account on this Loan to collect for Property Taxes. I have called several times to get this removed. I pay the Property Taxes directly and Now they are stating they need to order an Escrow analysis to be able to remove the Taxes. An Escrow account is NOT a requirement for this Mortgage. I am an Escrow officer and I know how the works. I am truly Disappointed with the company and how they are servicing my loan. I received the Tax Bill in the Mail and it is not showing that it is being escrowed. XXXX XXXX XXXX never Notified the Tax collector that they were planning to pay the Taxes. So I am not only upset, but wondering where my money is going?
Consumer complaint received 2018-10-26
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 (FL)

XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (ME)

I withdrew XXXX dollars from an ATM. I accidentally hit check my account balance prior to withdrawing the money. Only through diligently checking my online account balance did I notice I was charged three ( 3 ) fees for that transaction. {$2.00} ATP fee paid to the ATM company. A {$3.00} fee paid to TD bank for balance inquiry and a {$3.00} fee paid to TD Bank for using a non-TD bank ATM. The balance inquiry fee was given without notice. 

It's bad enough to have to pay my bank to use another ATM to get my own cash that they're making money off of, but to pay a fee to see my balance without that fee being disclosed is ridiculous. I called TD Bank on XX/XX/2018 to question them about this and initially the TD Bank representative told me that the {$3.00} balance inquiry fee was not from TD bank it was a fee paid to the ATM owner. Only after stating that this was not true and the ATM could not charge me fees without disclosure did the representative acknowledge that the {$3.00} dollar ATM fee and the {$3.00} balance inquiry fee were charged by TD Bank. 

The representative did check to see if I could be refunded the {$3.00} but the call was disconnected prior to any resolution. I know a class action lawsuit was filed and won against TD Bank for charging superfluous fees. It seems like they're back at it again. I felt it my duty to bring this to light to prevent TD bank from stealing millions of dollars in fees from their customers. I'm sure that this complaint won't bring about any change but hopefully it's a beginning and I'm sure that I'm not the only one who's filed one against TD Bank for this reason.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn.
Consumer complaint received 2018-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

This is my 2nd complaint about XXXX. Between XX/XX/2018 and XX/XX/2018 I received 31 recorded calls from half a dozen different phone numbers with caller ID " XXXX. '' This time a recording says something about my alleged XXXX XXXX credit card. I DO NOT have such a card and I DO NOT owe anything on any other card. 

Earlier this year XXXX called me up to 3 times a day with a recorded message about an alleged debt incurred by someone named XXXX XXXX. That is NOT my name and I AM NOT that person. XXXX 's recorded message said to press " XXXX '' if I was not that person. I pressed XXXX several times, but XXXX kept calling. At the time I filed a complaint on the Gov. Do Not Call site. Incredibly, the phone calls stopped after that! Now, after a pause of several months, the calls have resumed. I am being harassed by this company.
Consumer complaint received 2018-10-26
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: EQUIFAX, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( XXXX  and Equifax )
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

My wife fell victim to a predatory loan on XX/XX/XXXX. She had XXXX XXXX and I was in the hospital when she signed the papers. I was horrified to see what had taken place when I came out. Now she is in assisted living and I am trying to work with Ocwen Loan Servicing, LLC as they are our new loan servicers as of XX/XX/XXXX. They refuse to work with me as I am not on the note. However my wife is not living here anymore and I built this house before I even got married! Please ask them to help me. I now am scheduled for a sherriff 's sale on XX/XX/XXXX in XXXX County NJ. I want to make payments and become current again with a new loan modification and new terms. This loan is a farce as it is interest- only and nobody in thiier right mind would have signed for it. Please help me