davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Consumer Financial Protection Bureau ( " CFPB '' ) Complaint No : XXXX Ditech Financial LLC Account No. XXXX I submitted a complaint reference above because Ditech refused to post my payment. After almost two months, they did finally posted the payment, I immediately made the next months payment. Now, they decided to report on my credit that I was late, even in the letter and response they said they would n't. They are lying again!!!! Is n't this criminal act?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00}
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to XXXX XXXX to shop for cars on XX/XX/2023. During this visit, we were unable to reach a deal so I left the dealership. Later I received a message that my expectations for down payment and monthly payment could be met on a used vehicle, but I said that I would talk it over with my husband, who had been present for the visit to the dealership as well. 

This morning, XX/XX/2023, I checked my credit score and it had dropped by XXXX points overnight. So I researched the cause and discovered that XXXX XXXX had made two hard inquiries from credit bureaus without my permission. If more detail is needed, please advise and I will supplement.
Consumer complaint received 2022-02-07
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. (AZ)

On XX/XX/2022 my spouse, XXXX XXXX, authorized Equifax XXXX XXXX XXXX  to pull a credit report on himself. My spouse did not provide them any information on me, ie : name, social security or DOB. On that same day I received notification that an inquiry was submitted on my credit report in my name. I did not authorize a credit report nor did anyone give them my information. The company was contacted and stated that since it is a mortgage in the State of California it was necessary. They were asked to delete the entry and refused. Again I did not give my permission to have my credit report accessed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Consumer complaint received 2017-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I am making a consumer complaint against the digital payment service   Paypal.
I think I opened my Paypal account about ten years   ago though I am not completely sure about that. I used the account for occasional  XXXX  transactions and personal payments ( ie, reimbursing a roommat e for rent ). This  was not a heavily used account. In  XXXX   XXXX , I tried to receive a personal payment and was informed that my account was 'limited '. They did return the money to the payer, so my complaint does not include improper holding of funds.  Paypal woul d not tell me why my account was frozen other than there was 'suspicious activity ' with my bank account. I contacted my bank and they had no record or flags of anything suspicious with my account.     To unfreeze my account,  Paypal requeste d that I email them copies of my driver 's license and a current bank statement. I felt that requiring a DL was a violation of privacy as they already had my SSN, address, and bank account info on file. I chose not to do this and accepted that I no longer ha d a Paypal account. Ab out a year later, I wanted to sell something online so I tried to unfreeze my account. I emailed them a copy of my bank statement and a scan of my DL though I did blur out the number out of privacy concerns. I have no idea how Paypal intended to keep this info secure and felt it was not in my best interest to share my DL number. Their claim of suspicious bank activity could not be verified by my bank so I hesitated to trust them with more of my data.     After their recent loss in a class-action suit in CA regarding improperly freezing user accounts, I contacted them again in  XXXX   XXXX . This time I was told that my account had been frozen because my bank account number had been reported stolen. I asked them why they had not alerted either me or my bank at the time they discovered this. The representative said that is not their policy. The phone rep said I could email in a clear scan of my DL and a bank statement and my account would be unfrozen. He said he would send me an email containing a link to a secure site to upload these documents.     The email never came, and when I shared this information with my bank they were not aware of any issues with my bank account regarding stolen account numbers.     I am making this formal complaint against  Paypal for d  e ceptive business practices. The reason they froze my account could not be verified by my financial institution and they have demonstrated an unwillingness to correct their mistake.     While I have not suffered outright financial loss, the service they provide is nearly a public utility in the area of online commerce. Without being able to move funds through their service, they have effectively rendered me unable to participate in buying and selling online.     What can be done?
Consumer complaint received 2016-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I used Lexington law firm from XXXX I paid $ XXXX for credit repair services. They did nothing for my credit. No credit related issues were fixed and nothing was removed. I called them several times asking for updates with little to no help. I wasted $ XXXX of dollars thinking this was the best action to take. After terminating my services with Lexington law they still charged me unexpected and unlawfully XXXX/month. Ive called and emailed them several times to delete my account info so I wouldnt be charged but every month I continue to get charged. They have refunded me XXXX every month after calling them. I would like a full refund from the start of my services XXXX for service that I did not receive.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America still has derogatory marks on my credit reports about late payments and I would like to have it removed as it is bringing my credit score down. I dont have a account number because the account has been closed since XX/XX/2015. 

Thank you, XXXX XXXX
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: EQUIFAX, INC. (NC)

I called Equifax twice in the past week trying to get erroneous accounts removed. I called and explaind that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3. Equifax assumed this role w/out my express permission or consent. Equifax did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to furnish my consumer reports. They offered to " File Dispute '' which I notified them of my right and asked for deletion immediately. I never authorized a " Dispute '' but it was initiated. Attached are the proof of initiation. The following information needs to be remedied immediately. 
My Personal information is incorrect. Any variance of my birth name of XXXX XXXX XXXX needs to be removed. Only my current address of XXXX XXXX XXXX XXXX NC XXXX should appear. 
Collections : Under new law medical bills less than {$500.00} can not be included on report. 
XXXX XXXX XXXX XXXX {$170.00} The following Inquiries were never authorized.. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX The following Accounts were are violations and needs to be removed.. 

XXXX XXXX XXXX  Acct # xxxxxx XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxxx XXXX.
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL INC (VA)

The intake department at XXXX online was so helpful until they got my money, after fraudulent claims and withholding information regarding my tuition. They also wo n't release my transcripts because they applied the next semesters charges to my account and said I have an outstanding balance for the XXXX semester. Very deceitful.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Lending Club Corp (CA)

My name is XXXX XXXX I was contacted by a contacted by a debt collector on XX/XX/2022 at XXXX XXXX in the XXXX advising me that I had open a bank account with XXXX XXXX is XXXX XXXX in the amount of {$1700.00} I advised them that I had never opened an account and I've never heard of that company they were unable to provide me with any I contacted XXXX regarding the account the account they advise me to contact use me to contact lending club and XXXX XXXX Who opened the account I am not in need of any money and I do not need to open a bank of account I have an established bank account with a financial institution she advised me to this link to report the fraudulent activity activity my email is XXXX XXXX phone number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I need your help in resolving this issue. I need your assistance with this fraudulent case I have been receiving suspicious emails that someone has also tried to open up a XXXX claim with unemployment unemployment I would appreciate all of your help and feedback thank you very much sincerely XXXX XXXX
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Description from my complaint : On Monday, XXXX XXXX, I attempted to use my debit card and it was declined. Knowing there were funds available, I called the customer service number at Santander. I spoke to a woman who informed me that my card had been flagged for fraudulent activity and canceled/put on hold on Friday, XXXX XXXX. I never received a phone call telling me this. I tell her the charges on the card were not fraudulent, as I was traveling for work all week and weekend and had purchased the items. The woman then lifted the freeze on my card, and I was able to make an online purchase. 

A few hours later, I go to use my card again. It is declined. I call the bank back and am hung up on in the middle of speaking to someone twice. I call back a third time. The woman is so rude to me regarding the charges that I tell her I will go to my local branch. I walk to my local branch ( XXXX ), and the manager there informs me my card has this time been canceled, confirms a new one has been ordered, confirms my address and I leave. 

That was XXXX XXXX. Today is XXXX XXXX. After going to the bank numerous times and having the card sent to XXXX separate addresses, I have still not received a debit card. I have not had a debit card for my account for 43 days. 

I have already filled out a survey explaining all of this following my calls with the customer service center. No one ever called me. I have never been contacted regarding my issues, despite numerous phone calls and visits to my local branch. The service I have received, particularly being a new customer, is borderline unbelievable. 

At this time, I have gone on my online banking on my own and ordered a new card, and put in a THIRD address, hoping it would come there. To be very clear, both my home and the additional address I used ( work ) are extremely secure, so neither of these are instances of mail disappearing. They simply never arrived. 43 days later, I 'm ordering my own card, having never been contacted by customer service and still without a card, which I 'll spend another week waiting for, hoping it will arrive.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (UT)

I previously filed a complaint on XXXX XXXX, 2014, # XXXX. This complaint was against XXXX XXXX regarding a XXXX cell phone bill. that complaint was resolved and closed as they could not verify the debt nor provide me a signed contract showing I owed this money. XXXX has now assigned this debt to another collection agency Diversified Collections out of XXXX Florida. 

This complaint is leveled at both XXXX and this additional collection agency. Please make them stop violating federal collection laws, I have been through this process previously and do not feel I should be made to go through this again.
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: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 2023-03-16
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (MI)

I have a geniesis loan I did not recieve a decrease on this loan I talked to geniesis they said I do not qualify for it. Then I found Out that they sold my loan and its called XXXX and geniesis is just servicing the loan. XXXX MI XXXX
Consumer complaint received 2022-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX Bank # XXXX reporting paid as agreed, but showing XXXX 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX XXXX # 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2019-05-28
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. (TX)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ,
Consumer complaint received 2024-05-05
Product: Credit 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: JPMORGAN CHASE & CO. (OR)

On XX/XX/year>, British Airways fraudulently stated that I had not paid for baggage for XXXX XXXX XXXX from XXXX XXXX to XXXX Oregon. ( However, all baggage fees ( US {$280.00} ) were prepaid XX/XX/year>. ) British Airways charged {$150.00} ( XXXX ) on XX/XX/year>. 

Response to complaint to credit card company ( Chase - XXXX Master Card ) for British Airways fraudulently obtaining payment resulted in a letter titled We resolved your dispute. Chase did not resolve the dispute. Letter is misleading. Chase permitted British Airways to fraudulently obtain {$150.00} ( XXXX ) on XX/XX/year> from me for baggage fees that were paid on XX/XX/year>.