davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello so my problem is I been contacting PayPal for the longest regarding this complaint I did a PayPal pay in 4 plan For a stay at XXXX the hotel was disgusting I have pictures it didnt have heat I contacted PayPal they couldnt help me but then I also contacted my bank I spoke to numerous reps from PayPal that said if I can provide proof my bank ruled in my favor then Im able to have everything waived which I provided proof already regarding that problem I get told by numerous reps from PayPal its a technical error and thats coming from executive escalations department of PayPal one rep says its good the other rep says its not good a rep that said it wasnt good at first email now says its a technical error as well I have emailed them countless of times trying to figure out whats right and whats wrong I have received threatening phone calls from them and being told they are going to mess up my credit report if I dont pay it back but I told them its a technical error and they will say yes I see it dont worry but I just got told today by a rep that its 70 days over due and I need to pay it and now the rep Im speaking to is saying its a technical error nobody is giving me factual information the only factual information is getting that they will mess up my credit report but another thing is a rep giving XXXX dollars and change if a rep is doing that I dont think my account is in the negative because no way would a rep from payola give you XXXX dollars as an inconvenience if you owe money so I need help getting to the bottom of this I just sent PayPal executive office more emails that said Im going to file a complaint with you guys I dont think my credit should be in jeopardy for misinformation and I will be proving screenshots of this problem
Consumer complaint received 2016-10-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week,
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.
Consumer complaint received 2016-09-26
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I was a victim of identity theft and noticed a collection from Calvary portfolio. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Calvary in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Th e American Express Platinum Card  offers  5X  the points if the consumer purchases airline tickets from  American Express Travel Services,  which is fine by me. But then, the card also extends these benefits if the consumer purchases their airline tickets DIRECT from the airlines as well. The first part in my opinion is fine. The second part is a restraint of trade and unfair competition with third party licensed and accredited travel agencies. It gives an unfair and monopolous advantage to Airlines.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAVALRY INVESTMENTS, LLC (KY)

Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or one of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (WA)

I would like to submit a complaint regarding my student loan from Wells Fargo. I have been paying off this loan since XXXX. I pay from {$200.00} to {$300.00} a month towards this loan. My last payment was {$200.00}, of which none of that money went towards the principal balance, only towards the interest. I find it ridiculous that I am basically paying for all this interest, while the principal balance remains untouched. When I took this loan in XXXX, the original balance was {$17000.00}. After making payments for 4 years, my current principal balance is {$15000.00}, only a XXXX dollar difference. After making these monthly payments only to see a minimal dent in the principal balance is disheartening, to say the least.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. Section 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Dear Sir or Madam, My current loan holder Penny Mac has increased my escrow account that has doubled my payment. They have calculated my county taxes in advance of the XXXX reporting for XXXX and have applied an insane figure of over {$15000.00} based on information they state was reported to them by Florida XXXX XXXX from someone that opened an application with XXXX or XXXX. They told me they would email this to me and I never got this letter they stated they received. When I was made aware of this, I called all programs with FL XXXX  and got email confirmations that I am not in these programs and have not borrowed or will be borrowing from them. I am not in the FL XXXX  XXXX  and am NOT obtaining any financing from these lenders EVER. This was a false reporting. I have told them this and explained that my country taxes as of XXXX are about XXXX a year. I have the proper escrow balance and have never been late and asked that this be fixed within 48 hours as my Mortgage payment is due on the 1st. They said they would fix this and it has not been fixed. I can not pay my normal monthly payment because it will allow only now the payment with the increased escrow amount of XXXX instead of XXXX. My payment is supposed to be XXXX. Not XXXX. If I am forced to pay this amount on the 1st it will be an extreme hardship to me. They have all the supporting documents and they can login to the XXXX XXXX XXXX Tax Appraisers site, I personally when to see a supervisor there and see that there is nothing showing that my taxes have increased 500 %! Please contact them asap to help me get this resolved. I have called them many times, they keep saying it will be fixed but it is not. The direct number to the contact there is Agent XXXX XXXX ext XXXX. I have bought the house in XXXX. Correctly escrowed always ... .have a surplus in the acct for my homeowners insurance for XXXX payment and there is no reason for me to have to pay this completely wrong amount until they decide to fix it! Sincerely, XXXX
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The lender is in violation of RESPA due to not postponing the FC sale set for XXXX/XXXX/17 - as of XXXX/XXXX/17 the lender deemed the package complete and are not requesting any docs for the review - Sale should have been postponed around XXXX/XXXX/17 when they stated the package was complete.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

In XX/XX/2023 Mr Cooper SENT US a refund check for overage in escrow, now less than 6 months later, they have sent us a letter stating that we have an escrow shortage of a very large amount and raised our payment very much. 

I paid additional money into the escrow account. I want to have escrow recalculated and explanation of WHY they returned money to me from escrow only to return money to me. 
I need escrow recalculation and perhaps they can also remove XXXX  from my home since the value of home has gone up
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (GA)

I leased a car with VW. I never missed a payment and was never late. At the end of the lease I turned the car in in perfect condition and had XXXX balance remaining. I followed all terms of the agreement. VW put on my credit report that the account was closed due to bankruptcy and in default. I do n't know why they refused to remove there error or fraud but it is hurting my credit. VW is knowingly placing incorrect information on my credit and refuses to correct with the intention to harm my credit. VW refuses to explain or send any information. Having this fraud on my credit is going to cause me to pay higher interest on the new home I am buying. Once my loan is complete I plan on pursuing this in court for Financial damages they are causing and violations of my credit rights.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Check Security Associates, LLC (SC)

A XXXX XXXX, who says she is calling from an XXXX company, has been contacting numerous family members and friends about a vehicle that I do not have. I believe they may have obtained my information from an unknown source and are trying to extort money from me by using scare tactics and threatening me over voice mails.
Consumer complaint received 2015-03-30
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (FL)

XXXX in XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ph. XXXX gave me a auto-title loan on or around XXXX XXXX, XXXX and at the time I was XXXX ( as of XXXX XXXX, XXXX ), not receiving any XXXX then or since, or had no means at all to repay the auto-title loan. I did not have to provide any proof that I had a job or any means to repay the loan, only previous pay stubs from a job/employment that I was no longer affiliated with. We went through the paperwork so fast, all they said was sign here, here, here, here. The were out to process as many loans as they could. In XXXX XXXX, another refinance, and then in XXXX XXXX, they towed my XXXX XXXX XXXX, to get out of the pound, my neighbors and friends pooled together over {$550.00} to get my van back. Not only was I charged by XXXX for the tow bill, I also had to pay the tow company ( which I paid separately ) for the tow bill. XXXX billing. The amount of the original loan was only {$700.00} plus all these other charges which I was unaware of.. {$870.00} initially. They call my phone XXXX a day everyday wanting to take my only means of transportation with threatening messages that they are sending this to legal. I feel like I 've been violated. This company is TMX Finance in XXXX XXXX XXXX XXXX, GA XXXX as InstaLoan in XXXX, GA XXXX. I have contacted and filled out application for assistance from XXXX XXXX XXXX XXXX Florida on XXXX/XXXX/XXXX and gave them copies of all the loan paperwork, etc. that I have. I 'm still XXXX, XXXX, receiving XXXX, no unemployment, and have received no other income whatsoever before this action up through today. Please help me as I feel this entire business is crooked. My next step is to take this to the local newspapers for print.
Consumer complaint received 2023-03-23
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I applied for a Fifth Third Essential Checking account online on XXXX/XXXX/2016. My application was approved online and funded on that day. I opened the account because of the sign-up bonus for {$200.00}, which would be deposited after 90 days after completing the following : Qualifying activity includes XXXX online bill payments using Fifth Third Bank 's online bill payment service AND direct deposit. The monthly maintenance fee would be waived for the account if Maintain a combined monthly average balance of {$1500.00} across your deposit and investment accounts. I funded the account to maintain the {$1500.00} balance, but was charged the monthly maintenance fee each month. When I called Fifth Third to have the fees reversed, they reversed one month. When I called customer service again to check on the status of my bonus, after the 90 days have passed and I have completed the bonus terms, they stated that I did not open an Essential Checking account, but a Basic Checking account, which is not eligible for the bonus. I also inquired to have another month 's maintenance fee reversed and they stated that the Basic Checking account can not have the fees waived. I asked why I was placed into the Basic account when I applied for the Essential and they could not provide me with an answer. When I requested to have the account closed and transferred into the Essential Checking, they stated this account can not be closed until a year has passed. 

I contacted the local branch and spoke with XXXX XXXX and explained what had happened. He stated that he would reverse the monthly maintenance charges that were not reversed and close the Basic Checking account and transfer my funds into the Essential Checking account. He opened the Essential Checking account on XXXX/XXXX/16 and kept the Basic Checking account open until I received my debit card. I called XXXX again on XXXX/XXXX/16 stating that I have not received my debit card and to confirm the mailing address. Once confirmed, he said he would mail the card out again. On XXXX/XXXX/16, I emailed XXXX stating that I still have not received my card and would like my account closed and all maintenance fees refunded. In his response, he stated that two months were previously refunded and he would close my account. 

In the Basic Checking, I received 5 monthly maintance charges at {$8.00} each. There was a reversal of {$7.00} and {$8.00}. I was placed into the Basic Checking account without my knowledge or consent. I believe this is a deceptive practice.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc. (FL)

XXXX and has falsely reported an inaccurate claim and or amount on my credit report. I disputed the entire amount that was sent to collections within 30 days by my previous apartment complex. I did this with recipients and all evidence that I was never in violation of my lease agreement. I was unfairly targeted and discriminated against and issued a 7 day notice to vacate. I complied with their request and paid all current rent. My account was still sent to collection and i was charged an early termination fee.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been reaching out to Equifax regarding an auto loan account that they are reporting on my consumer report since XX/XX/19. I have sent numerous letters to open a dispute and to reinvestigate the information that is reported inaccurate. I have also sent proof of payment in full to this company with a proof of the check when the account was paid. Equifax is reporting inaccurate late payments on this account that dont even make since. They have the account 60 days pays do before it was even 3 days. so many errors and i would like this account removed.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I HAVE HAD NUMEROUS CALLS FROM PORTFOLIO RECOVERY ON A DEBT THAT I AM NOT SURE I OWE. WHEN ASKED MULTIPLE TIMES TO SEND ME IN WRITING THE ORIGINAL FACTS THEY REFUSE AND THREATEN ME WITH JAIL. THEY HAVE CURSED AT ME AND SAID I HAVE COURT DATES AND SUBPEONAS THAT IVE NEVER SEEN.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My mortgage loan was acquired by Carrington Mortgage llc. Since my " fixed '' payment has changed regularly. They do not send any communication and their numbers do not add up increasing the monthly payments drastically and they claim its for a year then they increase the monthly higher the next year. It seems like they are laundering money that does n't belong to them. They refuse to give a break down of their corrupt collection of escrow funds.
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (MO)

I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department.