davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

Amsher Collection reported to collection a paid debt. I requested them to delete the report from my credit bureau and they sent me a letter as a confirmation of the request to delete it. But I still see it on my records. I request to delete it. Please see attached letter from them.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

el banco XXXX cerro mi cuenta en el ano XXXX sin enviar el cheque a mi direccion! durante este perio de tiempo hasta la fecha de XXXX XXXX XXXX  no recibi el pago, por lo cual me diriji a su oficina en el doral y tampoco entregaron los fondos, quedaron en enviar otro cheque el cual tampoco llego, posterior a ello un mes despues ya no dan informacion de fondos ni datos de la cuenta, tengo XXXX  dolares extraviados en el banco quien no me indica a donde estan ni que hicieron con mi dinero.
Consumer complaint received 2021-07-13
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. (NV)

i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/2018 I closed the credit card ending in XXXX, at this time I payed all the outstanding balance on the card. Unfortunately this company had the wrong amount ; they stated that owed more than I originally charge in the card. When I complained about this issue ( The wrong amount ) Barclays stated that they were correct and I had to pay the full amount. They keep charging my bank account and they are stating that I owe them money with any proof of it. 
When I close the account back in XX/XX/XXXX my balance was XXXX. But they still keep charging my bank account without my authorization, they stated that I owe {$370.00}, but I am not responsible for that amount. I called them many times and they ignored my petition of showing me a sales draft with my signature, but they declined. They dont have proof that I owe them that much. Also they are charging my account fraudulently. Please help me to stop this fraud.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

My daughter and I have a auto lease with GM. We have had the lease since XX/XX/XXXX. We have made every payment via direct debit from checking out each month. My daughter was alerted in XX/XX/XXXX  that we were reported as 120 days late which is not correct. I attempted to call GM onXX/XX/XXXXto straighten this out. I was told they had a system change in XXXX  that caused reporting problems such as mine. I was assured someone would return my call on XX/XX/XXXX. They also told me on the phone that system said i missed 8 payments but she could see that i was current. No one called me on XX/XX/XXXX. I submitted two other online complaints and called again onXX/XX/XXXXand I was supposed to receive a follow up call but I have not received any further correspondence.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

Quicken Loans ( or Rocket Mortgage ), is incorrectly attempting to classify my house as a multi-family ; despite me having contradictory information from the town and willing to provide it and obtain it for them during the refinance process. 

On XX/XX/XXXX I was informed they where going with a multi family appraisal evaluation on my residence despite this and other inaccuracies on the appraisal report and rocket Mortgage didn't want to me to provide any documentation otherwise contradicting this ( as I had prior appraisals, information from the building department, brokers opinion, prior loan paperwork and more ) as this matter was considered closed. I was told they would not even refund my deposit ( paid XX/XX/XXXX ), I informed them that I believed this was even a form a fraud to which they didn't care and XXXX then asked that I refer any issues to the general number. 

My only options left today to are work with different banks at high rates ( as rates have gone up ) or go back with them and not get the correct financed amount and possibly pay a PMI and receive improper valuations costing me money in other ways. this mistake on their part, in addition to now costing me time, will cost me possibly tens of thousands of dollars.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

We had refinanced our home mortgage with loandepot and have been making on-time payments ever since. Money has been paid into escrow to cover property taxes, and these have not been paid. We are now facing late property taxes with interest by the county. Loandepot sold the mortgage to XXXX  this XXXX, and they state that they shouldnt have to pay the taxes as they were due when loandepot owned the mortgage. Loandepot states that they can not pay as they no longer own the loan. We are facing the loss of property due to this and each lender blames the other.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. ()

THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX To : Consumer Financial Protection Board From : XXXX XXXX XXXX CC : PayPal/XXXX California Attorney Generals Office Re : FAILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with PayPal.  I have made purchases though XXXX, and PayPal is refusing to pay the sellers for items I have won via auctions when they have deducted the monies from my bank account. PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since XX/XX/XXXX, the items are being sent to my home address and I have called them from my cell phone, the  phone number they have on record since XX/XX/XXXX and they have my social security number which all makes my account verifiable. PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding XXXX my financial information and I want it deleted from their databases. PayPal has been accused of having ties with XXXX and have been hacked XXXX only knows how many times. So, why on XXXX green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable! Due to PayPals negligence I am now being harmed and have incurred damages. Sellers are filing complaints with XXXX and writing negative comments about me for the public to see. PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over. XXXX will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with XXXX and that is being threatened by PayPals actions and inactions. I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as necessary. I have read numerous complaints about the same thing and this is unacceptable. Thank you, XXXX XXXX XXXX Enclosures : Bank Statements and PayPal Account Info
Consumer complaint received 2021-02-26
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CALIFORNIA XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. CALIFORNIA XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-13
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. (AZ)

I applied for a XXXX XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-07-13
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. (AZ)

I applied for a XXXX  XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-07-13
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. (MS)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

I have written Arcadia Recovery several times, and disputed the current account multiple times with the credit bureaus and Arcadia. Arcadia has never sent me anything at all. This is a violation of the FDCPA, they have to validate the debt at my request. They used to have multiple accounts with the exact same account number reporting and have corrected that with the credit bureaus, but still have sent me nothing at all. This is ridiculous!
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC. (CA)

I have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked XXXX. He said he was from the legal department of a company called HFS and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by XXXX regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have XXXX proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.
Consumer complaint received 2020-06-27
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 (ID)

Called my credit card issue Capital One Bank on XXXX to ask that they give me a grace period on my credit card payment. Was told they would not move back the date or waive the fee. Have always paid this card on time, and have never received accommodations from this company ( asked 1 previous time and was denied in XX/XX/2020 ). 

Seems predatory to be refusing to give any ground to people who are out of work, especially with pandemic. They already make great money from me from 17 % interest on my debt, can't afford these additional fees. Someone should tell these bankers that there are real people being hurt by their policies.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 i made a purchase from XXXX XXXX in the amount of {$8400.00} for merchandise that was suppose to arrive before XX/XX/2019 .And i never received this merchandise. After numerous attempts in trying to resolve this matter with the credit card company all my efforts were made i do not get a resolution to the matter.
Consumer complaint received 2020-10-10
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. (TX)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: First Financial of Columbia, Inc (SC)

I have a personal loan with XXXX XXXX XXXX XXXX SC at XXXX XXXX XXXX XXXX. I have a balance of XXXX tha 's due. I Recently stop paying on the loan because I was being harassed. They would call me at work after I would tell them I could not have personal calls at work. They would call from there personal cell phones and block the number. The harassment got so bad that they would show up at my job and act as if they are a customer just to get me to come out and talk, and this has happen at least 4 time with them coming to my job. When they came to the job I would say, If i lose my job because you all keep coming up here then how would you all get paid. Me saying that did not help. It GOT SO BAD I WOULD HAVE BUSINESS CARDS STUCK ON MY DOOR ALONG WITH TONES OF MESSAGE. I recently changed my number because of the harassment.
Consumer complaint received 2020-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am on a temporary forbearance plan due to COVID19.

Mr Cooper mortgage company ADAMANTLY REFUSES to discuss what will happen at the end of my forbearance. They only throw around 3 possible options ( cap, cap & extend or modify ) and tell me I HAVE TO GIVE UP THE FORBEARANCE PLAN BEFORE they can tell me which option I will get. This is Outrageous & should be completely ILLEGAL to not tell a consumer which option they will be eligible for at any point in their forbearance!!! I should know exactly what's going to happen with my finances, my mortgage and MY HOME without having to give up the forbearance plan immediately if I need a little more time. 

I should also have a say in which plan is applied for my finances and what will work best for me rather than some random underwriting people ( who they will NOT even let you speak with which is also completely inappropriate ) arbitrarily & capriciously deciding which plan.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I had two Federal Tax Liens filed against me. I have worked extensively with the IRS and XXXX County Court Clerk to resolve this issue. Consequently, the IRS has issued WITHDRAWAL OF TAX LIEN for both tax liens. The XXXX County Court Clerk has recorded both tax liens as ( WTL ) WITHDRAWAL OF TAX LIEN. However I ca n't get EQUIFAX to report these items correctly on my credit report. This is very frustrating. I have worked hard to correct my credit and I have. But I ca n't get EQUIFAX to report them correctly on the credit report. The other XXXX ( XXXX ) major credit bureau 's were competent and prompt in deleting the tax liens from their credit report. But for some reason, EQUIFAX refuses to report credit correctly.