davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

On XX/XX/2022 I call Rushmore Loan to ask why my monthly mortgage payment went up when I paid the escrow shortage from the XX/XX/2022 statement they mailed me. The representative told me there was a {$3.00} escrow shortage. I asked the representative why they hadn't mailed me the notice. As I was on hold, I logged onto my web portal and found a new escrow analysis report showing this {$3.00} escrow shortage. I told them the representative that I was willing to pay any escrow shortage but I didn't want my mortgage payment to go up. The representative told me it was too late. I asked to speak to the customer service manager. I then spoke to XXXX who gave me his email address at XXXX. I told him that I called Rushmore to pay the {$630.00} shortage so my payment wouldn't go up. This payment posted on my checking account on XX/XX/2022. Therefore, when I logged into my portal to pay my XXXX mortgage payment, I was surprised to see an increase on my monthly payment. It went from {$2100.00} to {$2200.00}. How can a {$3.00} escrow shortage increase my payments to by {$38.00} each month. He then explained that Rushmore has a minimum required escrow balance. I said okay but why don't you give me a statement and give me an opportunity to pay it so I can prevent my mortgage payment from increasing? I didn't understand his explanation and in all my past experiences have been that if I pay the escrow shortage statement amount, then I don't see in increase in my mortgage payments when I have a fixed interest rate. Even the representative who took my XXXX payment of this escrow shortage told me that my payment shouldn't increase if I pay the shortage amount.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OH)

We were charged by our credit card American Express XXXX $ for tickets which we did not purchase. We never travelled on those tickets and flights. On our credit card it shows XXXX tickets were purchased. I called XXXX XXXX They told me no tickets were issued for XXXX XXXX XXXX XXXX XXXX Tx flight s I noticed these fraudulent charges on XX/XX/2023 showing pending charges and immediately notified dispute department and fraud department of American Express. But we did purchase tickets from an airline agency XXXX ticket s on XX/XX/2023 which were legit charges for XXXX XXXX and we travelled XXXX Ohio to XXXX XXXX XXXX Tx to XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX XXXX to XXXX Ohio. This was our legitimate purchase and travel. American Express credit card informed me that because we shared our credit card information with just fly agency we were responsible for the fraudulent charges. Even though we notified American Express credit card company immediately when fraud charges appeared in our credit cards account as pending charges on XXXX online website. American Express failed to prove that the charges were incorrect and fraudulent and did nothing to stop from pending charges to be investigated and resolved.
Consumer complaint received 2023-04-04
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (NY)

1 Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account numberXXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with IC Systems, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX and XXXXXXXX XXXX XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with IC SYSTEM Inc to further injure my consumer profile. I have never done any business with XXXX not IC SYSTEM INC. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sunset Management, Inc (GA)

On or aboutXX/XX/XXXX I have obtain a loan from Sunset Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX  their corporate office is located at XXXX XXXX XXXX XXXX XXXX SC XXXX. I was trying to pay off my loan on XX/XX/XXXX. Although i borrowed {$580.00} after merely four weeks I was told that I have to pay {$300.00} extra. I repeatedly asked them to break down the {$300.00} charge on {$580.00} for four weeks, i failed to get any satisfactory answer for their local office later I contacted their Corporate office still did not get a clear ide for {$300.00} charge on {$580.00} for four weeks. It appears that they have sold me some insurance that i did not want or added some fees I am not aware of.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (NV)

I was reported for a XXXX  debt that I had no knowledge of. I have had no written paperwork around it just calls non stop. I have asked for it and have not gotten anything. At this point I dont even know if the medical debt is valid or not.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Bank ruined my credit by reporting me to a nationwide credit agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. SunTrust took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to SunTrust Bank they can not explain logically why SunTrust did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to SunTrust Bank actions. SunTrust has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
Consumer complaint received 2018-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

i Wired XXXX $ to XXXX/coinbase on XX/XX/2018. It was a same day wire and my bank confirmed to me that the recipient has got the money on their account. 

I called XXXX/coinbase customer support to confirm and they said that since i did not include the recipient message in my wire, the wire would be automatically returned to my bank account within 10 days and now it has been over 35 days and i still haven't got the money back in my bank account. 

Every time i call the XXXX  support regarding this they give the same answer that my case has been escalated and i should get my money soon. 

I called the XXXX XXXX XXXX and they confirmed that funds were recieved and that they have to get instruction from coinbase to send my money back. 

I even gave my iban number to XXXX/coinbase so that they can track the wire. 

my case # XXXX my iban : XXXX
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down XXXX of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Consumer complaint received 2018-03-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

We entered into an agreement w/Guaranteed rate, inc. to refinance our home in XX/XX/XXXX. We were upfront with our issues, a Bankruptcy ( discharge XX/XX/XXXX ) and bad credit.. They pulled our credit on XX/XX/XXXX. said they could go forward knowing this situation, to get us refinanced. We paid {$620.00} for an appraisal of the property on XX/XX/XXXX to guaranteed rate, inc. The appraiser didnt have cards so I didnt get his name. We have never received a copy of this appraisal. we were told it was good to proceed. They proceeded to have us jumping thru hoops for another 6 months, resubmitting documents, negotiating with XXXX regarding the settlement of HELOC acct that was discharged in bankruptcy. 
I negotiated with XXXX our mortgage holder to settle that acct. 3 times they let this offer expire, with increases in penalty fees from XXXX. So now XXXX will not honor the settlement agreed to with them. I called KYHC to get their account to subordinate, to the new loan. I did all the aspects of getting our situation in order. Including another appraisal, that guaranteed rate were going to cover ( probably added into the closing costs at the end ). We received a copy of the 2nd appraisal cause I asked appraiser to send it to me. When they let the last offer from XXXX and the appraisal expire, I called all the contacts at the XXXX office to get info. I was ignored for more than a week. Finally, my calls were answered, and said they couldnt do the loan, because our lack of good credit and bankruptcy. So I asked them to explain, they said, that XXXX was reporting the HELOC as late, not on time, this is the acct that was discharged. Plus our 1st mortgage also with XXXX isnt reporting as paid as agreed, on time. because it also was discharged in the bankruptcy. Which they knew up front from us, & from the first pulled credit report on XX/XX/XXXX. yet they took money from us for appraisal, and jerked us around for 6mos. If they had denied us then, there would not be a problem. but someone took our money. jerked   us around for 6mos.

I would like to get a refund of the original appraisal fee of {$620.00}. Loan #
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting aer XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down XXXX  of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (TX)

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT!!!!!!!!!!!
Consumer complaint received 2018-03-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Pacific Credit Company, LLC (MD)

on XX/XX/2013 an account was sold to an unknown company ( Federal Pacific Credit Company ) I asked the Federal Pacific Credit Company to validate debt instead they sent me information from another company called XXXX XXXX and not Their company Federal Pacific Credit Company. I did not receive nor sign a contract with Federal Pacific Credit Company.
Consumer complaint received 2017-04-26
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (GA)

This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in  XXXX  of   XXXX  . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened  XXXX .
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There are some unauthorized inquiries on my credit report. I have been a victim of identity theft. I have reached out to each company and I have filed a police report. According to the FCRA all unauthorized items must be removed. Below are the inquires that need to be removed. 

Reporting Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX Data XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Reporting Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Several years ago we placed credit report freezes with the XXXX major credit reporting companies. 
I needed to unlock the reports XX/XX/2022 to help my son XXXX XXXX purchase a home, and his potential mortgage company wanted a co-signer, which I was willing to be. I had no trouble unlocking my XXXX and XXXX reports, but for some reason, the PIN that was given to me by Experian didn't work. Experian 's consumer-facing system does not allow you to be transferred to any live person. All of their published numbers go back to the same basic telephone loop, so you can't speak to anyone-no supervisors, no reps, no one. The pre-programmed loop says, " I can only transfer you in limited circumstances, '' which of course means they won't transfer you to anyone. 
I think considering the power that a company like Experian wields over consumer credit purchases, I feel they should be required to staff their phone lines with real people who can clear up a minor problem. Their only solution offered for a non-working PIN was to write to them in XXXX, XXXX enclosing ID, which I did. In the year XXXX, I think the CFPB should require that these companies have both a telephone contact list with real people, and an email address to clear up minor problems. I certainly could have verified any security questions they may have asked me by telephone. I feel that while credit file security is important, locking out consumers from directly contacting a company 's employees, except by mail, is an unfair trade practice. The information in our credit files provides their profits, and I feel consumers are at least entitled to have a conversation or an email exchange to clear up a minor problem in their system.
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

I have been given a slew of misinformation over the years. 
- I was paying after my XXXX XXXX graduation while working at a non-profit. When I began grad school I was told that with my loans in in-school deferment, any payments I made would not count toward any type of forgiveness and ceasing payments would restart my payment clock. 
-In XXXX I lost my job. I was XXXX with {$0.00} income. I called XXXX to figure out my options and was told the only thing I could do was a forbearance. Due to low income when I was working, my loans stayed in forbearance until I returned to school in XX/XX/XXXX. That is XXXX years of forbearance that should have been income-driven repayments. Yet I have heard nothing regarding the current XXXX XXXX dealing with exactly this issue. 
-I have tried repeatedly with XXXX to get a full accounting of my loans, including original amounts, payments made, interest accruals and capitalizations, and forebearance and deferment dates. The only thing I have received does not include ANY of this info. This may be because of the XXXX XXXX to XXXX transfer, because I'm running into the same lack of information with AidVantage. But their transfer should not bring difficulties for the borrower. If they can figure out how to transfer the dollar amounts, they can figure out how to transfer all other information regarding that loan. 
-There are loans on my account which do not match with dates of attendance. I have tried to work with XXXX XXXX AidVantage to figure this out and get it fixed, but have not had any response let alone actual help in resolving. 
-I am currently consolidating for the PSLFA and need this information to be correct, both for that Public Service Loan Forgiveness and the XXXX XXXX. I am getting NOWHERE with my loan servicers. When I completed the consolidation application, I requested it not start for 3 months ( this is how the website details it ) which would be XX/XX/XXXX. I received a letter that repayment would start asap which should not be the case since it is not supposed to start until XXXX. I called for clarification, which they did clarify XXXX. I asked for documentation but instead I received another letter that it would start in 10 days. Please help.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

My wife and I consolidated our student loans in XXXX and made our first payment on XX/XX/XXXX. We borrowed ( consolidated ) {$21000.00} for the total amount. The interest rate is 8.125 % and is daily accruing interest. Though we had several periods of forbearance, we have paid a total of {$32000.00} in total with only {$6900.00} applied to principal and {$24000.00} of interest and {$750.00} in late fees. We STILL OWE {$25000.00}. Something just doesn't seem right with paying this much and getting nowhere. 

We just made a call to Navient ( XX/XX/XXXX ) to get some explanation and the numbers did not make sense when the representative was attempting to explain. He said the interest was computed differently on one payment we were discussing because of the time of year it was when we made the payment.Once my wife called and they overcharged us on a late fee by {$12.00}. She only caught it because something did not seem right and she was tracking our account daily. We do not have the time to check behind Navient daily to see if they are doing something not right. We even pay about 10 days early now and it does not make a difference in the amount that goes to the principal. I just can't understand how we borrowed {$21000.00} and will be paying back {$57000.00}. Please help us find out what is going on here.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Hello. PayPal illegally, without explanation, blocked the funds in the account for 180 days. There is no response to our letters. On the hotline, they themselves do not know for what reason they blocked. There are absolutely all the documents, and all of them were provided to the PayPal support service. Please help me get my money back. Thank you.
Consumer complaint received 2022-08-10
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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.