davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: BARCLAYS BANK DELAWARE (NY)

I have an account with Barclay 's Bank. During this pandemic I had lost some income due to loss of some work. I called barclay 's bank and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I feel I was retaliated against after filing report with your agency. The added comment that I am disputing balance and my balance decreased by XXXX dollar. 

I lost 33 points for doing the right thing. They did not correct balance but dropped massive points due to me disputing incorrect information
Consumer complaint received 2020-12-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (CA)

On XX/XX/2020 I was notified that a collection had appeared on my equifax credit report reported by Consumer Adjustment Company Account # XXXX balance of XXXX $ I was never notified in writing that this account was placed in collection with this agency, I called to get an account number because I never had that information, The address the have is XXXX XXXX XXXX XXXX XXXX, CA XXXX but I no longer live at that address and if they did contact me there It was never forwarded to my current address.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Hello there! 

I got a problem with PayPal again. I sent money to my mom and they put my personal and business accounts under reviews because I sent money to my Mother. They asked me to give them some information which I did gave them but they havent take the restrictions on my personal and business accounts yet.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove fraudulent addresses. 
I was a victim of identity fraud. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XXXX XXXX, XXXX, I received a notice from a fraud detection service I am a member of. ( XXXX XXXX ). They showed that I was turned in by USAA Bank for " being over the limit '' on my credit card with them. Since I had scheduled a payment to be made the prior week before the stated " Due Date '' in XXXX, I went in to check to see why USAA did not process my scheduled payment. I have had several intermittent issues with USAA processing my payments over the past few years - some with credit cards and some with premium payment for insurance. Each time I notified them of their problem, but no fix has ever been initiated by them to my knowledge. Once I saw this notice from XXXX, I went into the USAA website to see what the problem was. Again, they did not process my scheduled payment causing this " over the Limit '' issue. I immediately made ANOTHER payment. This time it was processed. The date was XXXX XXXX. The XXXX notice and information passed along to XXXX ( and perhaps other credit reporting agencies ) stated falsely that on XXXX XXXX, my account was " over the limit. '' On XXXX XXXX, I went back into the XXXX account to make sure the supplemental payment I made showed up, as it did on XXXX XXXX. It was there on XXXX XXXX and I made a screen shot of the USAA information posted. USAA provided reports to the credit reporting agency ( ies ) that stated I was " over the Limit '' on XXXX XXXX, XXXX, even thought their own documentation showed otherwise. I notified USAA to report this false report and or the few hours that my account showed being " over the limit, '' provided them with the screen shot and asked them to look into my files to see all of the many other times they did not process my scheduled payments, and asked them to send the corrected and correct information to XXXX and other reporting agencies to clear up this problem they created. They contacted me after a few weeks and said that they " thoroughly '' investigated this and this was not their error. Not sure how this is possible with the facts and evidence I provided, but nonetheless this was their stance. I have along list of documentation history on the scheduled payment problems with USAA, the XXXX Report, the USAA Account screenshot that I can provide to support the statements made herein.
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (VA)

I received a call from a man stating he was calling from XXXX XXXX. He called from a local number XXXX, VA number XXXX. He then asked that I call him back to discuss a very important matter with a case number. He did n't provide the case number but asked that I call him back at XXXX. He also said that he had been repeatedly trying to call me
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (PA)

I have a serious complaint with XXXX XXXX company - I filed a fraud alert on XX/XX/2021 - they sent me a new card and advised they would open an investigation to refund my {$280.00} that was stolen from me because my card was compromised. I mailed their questionaire back in early XXXX one day after I received it. It is now XX/XX/XXXX. I have called several times and been placed on hold for over an hour every time. Today I was transferred to a level 2 helpdesk, Fraud, Customer service. I believe this is very unorganized, under employed organization. It has been 40 business days since I filed my fraud. After waiting for 1 hour and 20 mins today a woman named XXXX helped me and told me it takes 45 business days to complete the fraud complaint. There is no reason anyone should have to sit and listen to hold music for an hour and 20 mins. There should also be a way to email or reach XXXX other than only a telephone number. This is a card company who handles child support payments. It is completely unacceptable. I would like this company to be looked into and improvements made with regard to citizens money and the handling of it.
Consumer complaint received 2021-08-20
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed six number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (VA)

Where to start .... I have an in accurately reported S.S #. Experian deleted without authorization an account that was in very good standing and reported as such! The account that was deleted and their refusal to fix/rectify the problem has DRASTICALLY affected my FICO Score. I even contacted the original creditor who in turn told me that Experian has to fix the problem and that they ( creditor ) couldn't not do anything on their end, because the account was paid in full and then closed! Experian has refused time and time again to DELETE incorrect collection accounts, because their justification is that it is tied to an address I have never lived at. The address is a Commercial Property that they have listed as residential. Again, I have never been associated with. Experian is also failing to include new accounts in good standing stating that it's not their problem it the company that reports. When I have spoken to the reporting companies, it's protocol to report to all 3 Credit Reporting Bureaus, because they are Credit Builder accounts. Experians point scoring is either significantly LOWER than other agency 's or SCORING NEVER CHANGES!! Experian is also reporting Medical items/charge offs/deliquencies that should not be reported at this current time!! They are purposely ham-stringing citizens and preventing them from squirting credit, because of TERRIBLE/INACCURATE REPORTING! PLEASE INVESTIGATE EXPERIAN.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

I have an agreement reached with American Express from XX/XX/XXXX that I would pay $ XXXX/month from XX/XX/XXXX until XX/XX/XXXX for a settlement plan to pay off the credit card. The account was closed and the settlement was reached in court. Since XXXX of XXXX, I have made every single payment on time and in accordance to the plan. Each month I receive a confirmation email directly from American Express thanking me for my payment. 

However, American Express has, and continues to, report the account delinquent every single month. The account is not delinquent as I have made payments for over 2 years every single month toward the account.

I thought that delinquent account ( for credit reporting purposes ) are those that have not made at least a minimum payment for 30 days or more. I have paid the American Express more than {$12000.00} toward my account over the course of the past two years. 

I have all the documents to prove the settlement, the payments, and confirmation emails from American Express that I have paid them. I have uploaded the attachment of the settlement, along with the most recent example of the payment emails I receive from American Express.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage servicer, Mr. Cooper, is supposed to pay my property taxes out of my escrow account. They sent my XX/XX/XXXX and XX/XX/XXXX tax payments ( {$1500.00} each time ) to an incorrect parcel number in XXXX County, California. 

I spoke with my county who advised me to have Mr. Cooper contact them and simply request a transfer of the tax monies from the " wrong '' account to my account. I communicated this to Mr. Cooper in a letter dated XX/XX/XXXX. 

Rather than having the tax payments transferred, Mr. Cooper levied a new charge of {$3000.00} against my escrow account on XX/XX/XXXX to pay the " missing '' tax payments. 
As a result, I received an escrow statement showing my escrow account had a shortage of {$3000.00} and my monthly payment will increase by $ XXXX/month for 12 months starting in XXXX of XXXX (? because of a {$1400.00} shortage? ). 

1 - I sent my First Notice Of Error letter to Mr Cooper on XX/XX/XXXX. 
2 - No indication in any Mr. Cooper paperwork that I am due a refund in order to make my escrow account whole and as it was before their errors. 
3 - Only acknowledgement and response from Mr. Cooper so far is XX/XX/XXXX acknowledgement of original letter stating that I would receive a response from them by XX/XX/XXXX. XX/XX/XXXX response letter stated I would receive a response by XXXX XXXX.
Consumer complaint received 2020-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

Me and my mother pay for the mortgage, her {$550.00} makes to the company and they count the payment. My payment of {$550.00} however makes it 1-3 days before the due date, they do not count this to the amount owed ( {$970.00} monthly ) and instead says it is extra principle. I now have an extra late fee of {$38.00} that was charged to my account for the last 3 months ( due dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 ) and now my amount owed is XXXX. 
The last time we contacted them about this the first time it happened they refused to refund 1 of the 2 late fees. 
Being that this issue is repeating and that they will refuse to refund all but 1 late fee i'm making this complaint.
Consumer complaint received 2021-08-20
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. (MO)

I have been going back and forth with Experian credit reporting agency and them reporting inaccuracies and UNVERIFIED information. There is a bankruptcy listed on my credit report. I have asked Experian for their method of verification into this bankruptcy reporting on my credit report. They ensured me that the information that they are reporting was verified by the US bankruptcy court. I have personality went to bankruptcy court asking if Experian reporting agency has actually verified the said bankruptcy on my report. The US bankruptcy courts insured me that the bankruptcy in question has not or NEVER been verified through the courts. I have attached the courts paperwork. Even after Experian receive notice from courts that they never verified they are still refusing to remove said bankruptcy from my report. At this point EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHTS. They have lied stating the information was verified and that is false. I am needing them to uphold their end of reporting accurate and verified information on my report and since that has not been done THIS BANKRUPTCY NEED TO BE REMOVED FROM MY REPOET IMMEDIATELY. I dont understand how facts and proof are being disregard. This needs to be removed from my report.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: GOLDMAN SACHS BANK USA (TX)

Ive made two payments to pay my balance in full to Apple and they took the funds out of my checking account, yet they refuse to update the balance. 


I chatted with a rep who was willing to help and when I went back to get the balance updated the next agents would not do so. 

It is extremely UNFAIR. UNETHICAL. to pay a credit card over $ XXXX and not see that reflect in their balance. I need access to use my card for emergencies and apple is literally sabotaging my life. 

Im a new customer and this is just wrong. Im being punished for paying on time and paying in FULL! 

How crazy is that. Greed is real. 

NOt to mention the apr is 21.99 %
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I had a HBSC credit card ending in XXXX that had a XXXX balance. We got a statement for charges from XXXX and call the fraud department. HBSC refunded the charges and told us that the balance was back at XXXX. The next month came and the charges were still showing. We called them back again and stated that we did not own and were told that they were canceling the account and we did not owe anything. Well, this month we got hit on our credit report saying that we have a delinquent payment for HBSC charges. When we called them on XX/XX/21, the guy names XXXX stated that we were refunded the fraudulent charges but they keep the finance charges from the fraudulent changes and has accrued late fees to the tune of {$99.00}. They also told us they opened a new account and transferred this balance to a card that ended in XXXX. We told him this was not acceptable and wanted to speak to his supervisor. He would not allow us to talk to his supervisor and hang up on us when we asked for his employee number as we were making a fraud report. This is a fraud as we have talked to HBSC on 5 different occasions to get this corrected. They want to charge finance charges and late fees on fake charges.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (FL)

As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

3 disputes that the bank ruled in favor of the merchant were not properly investigated and the merchant did not provide documentation to verify the transactions or to verify we received services therefor under FCRA regulations Im requesting the following : 1. ) Individual Receipts from the hotel that verify the charges that occurred on XX/XX/XXXX from XXXX XXXX XXXX - all 3 transactions occurred separately and were charge to my account individually. 
2. ) Copy of Hotel Reservation indicating we received services ( check in ) XX/XX/XXXX - ( check out ) XX/XX/XXXX. 
3. ) My Bank Statement for XXXX XXXX XX/XX/XXXX showing and confirming a balanced owed for - {$440.00}. My account was closed XX/XX/XXXX. So my bank statement for XX/XX/XXXX - XX/XX/XXXX would be my final bank statement which would show a negative balance if I owed. This bank statement would be legally binding and would be an official document that I had a negative balance that I owed seeing that the negative balance reported to check systems occurred 2 days prior to this bank statement for XX/XX/XXXX to XX/XX/XXXX which indicates that their claim of a negative balance existed prior to last bank statement do my last bank statement would reflect this negative balance. 
4. ) documentation from the bank indicating why they reported it to XXXX as Account Abuse. 

This was never presented to me by the XXXX XXXX XXXX or by the Bank. 

I demand under FCRA regulations that if this requested documentation is not received to verify these 3 unauthorized transaction for {$440.00} as requested then I demand under FCRA regulations that they are immediately removed from any and all credit reporting agencies including XXXX. 
I also demand that the CFPD verify this documentation by the bank to verify that FCRA regulation that proper verification exists for the amount of - {$440.00} that has been reported by the bank and that CFPB verify my last bank statement dated XX/XX/XXXX - XX/XX/XXXX to show a balance owed for - {$440.00}. If not and you confirm that my bank statement from XX/XX/XXXX - XX/XX/XXXX shows a {$0.00} balance then under FCRA regulations you must enforce the removal of this unverified negative amount from all credit reporting agencies including XXXX against me.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (CA)

Yamaha Motor Finance is my servicing finance corporation for a vehicle loan. The dollar amount is approximately {$150.00} and there is reporting to crediting agencies that was inaccurate and based on failures of Yamaha Motor Finance staff, processes, and XXXX XXXX. 
On XX/XX/2020 I was contacted by Yamaha Motor Finance and was notified that my payment had not been made and that it was due on XX/XX/2020. I provided accurate information to the technician and made a payment over the phone. On XX/XX/2020 I was contacted and told that the payment failed due to insufficient funds, that there were now additional fines, and that this had been reported to the credit rating agencies. I was shocked. I had already made good faith attempts to make payments and due to Yamaha Motor Finances ineptitudes, I am now being punished in long term ways. I believe Yamaha Motor Finance is purposefully negligent in its processes, procedures, operation, and XXXX XXXX systems to ensure collection of fees from the consumers they prey upon.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

BSI Financial is the mortgage servicer. They have collected property taxes into the escrow account, but not paid taxes due to our township for XXXX 2020. The township has sent us XXXX notices demanding the payment plus interest. 

I have contacted BSI financial, both by phone and in writing on XX/XX/XXXX and then in writing on XX/XX/XXXX.