davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I am not able to take advantage of the card services that AMEX is providing like Frequent Mileage Program, Dining Credit, and even using the card due to the COVI-19 Pandemic. 
AMEX charges us {$250.00} for these and similar services. I asked them to receive partial credit and they refused.
Consumer complaint received 2020-06-24
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. (AR)

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX   XXXX {$28000.00}
Consumer complaint received 2018-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

To Whom It May Concern, This is my third attempt to resolve case number XXXX regarding my father the late XXXX XXXX XXXX XXXX 's sole savings account with Webster Bank. I have received letters from Webster Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( This correspondence included AN XXXX XXXX XXXX PHONE NUMBER FOR WEBSTER BANK ) i.e XXXX. 

The FRAUD TIMELINE : On XX/XX/XXXX XXXX XXXX, her church friends XXXX XXXX XXXX, Pastor XXXX XXXX ( Witnesess ) and her attorney completed a " Power Of Attorney '' by forging my father 's signature on the document for Power Of Attorney. This document was NEVER notarized or authorized by any court in the State Of Connecticut. The document that your bank accepted was not legally valid or legally enforceable! 

On XX/XX/XXXX XXXX XXXX 's attorney filed in Probate Court Case Number XXXX, a Decedent Estate State as Legal Representative under 4a-16, which was filed in the XXXX. Connecticut area NOT XXXX, Connecticut where my father actually resided. 

In Conclusion, XXXX XXXX committed fraud by filing and completing my father 's Probate in court, WHILE HE WAS STILL LIVING!!! He died on XX/XX/XXXX. Your bank did not do their due diligence to verify the validity of the submitted Power Of Attorney, especially since it was NOT notarized. Your incompetence and collusion makes your bank responsible for ALL of the fraudulent transactions after the date of the Power Of Attorney that you bank accepted.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I attempted to make a {$100.00} payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  through PayPal on XX/XX/XXXX. The payment method selected was my XXXX credit card ending with XXXX. Please see screenshot attached that clearly shows the payment method selected. 

Despite selecting my XXXX card as the payment method, PayPal ended up using a different payment source linked to my account, which was a XXXX XXXX XXXXXXXX checking account, without my explicit consent. 

I then submitted a dispute on the PayPal website requesting a reversal of the payment, but did not receive a response. On XX/XX/year>, I spoke with a PayPal customer service representative named XXXX, who acknowledged the error was on PayPal 's end and assured me that a credit would be issued back to my account by XX/XX/XXXX. 
However, I you followed up on XX/XX/XXXX due to a lack of communication from PayPal, the representative I spoke with, named XXXX, claimed that the back office refused to reverse the payment, contrary to what XXXX had previously stated.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}. 

On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX. 

Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited. 

I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch. 

I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either. 

Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the XXXX.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

XX/XX/XXXX, WE HAD A FAMILY MEDICAL HARDSHIP, WHEREIN THE COST OF TRAVEL AND ACCOMODATIONS CONSUMED OUR CASH AND OTHER RESOURCES. WE CONTACTED OUR MORTGAGE COMPANY AND INFORMED THEM.WE WERE TOLD BY OCWEN LOAN SERVICING IN XX/XX/XXXX WHEN WE TRIED TO SEND IN PAYMENTS THAT WE SHOULD APPLY TO THE HOME AFFORDABLE MODIFICATION PROGRAM ( HAMP ). WE HAVE SENT NUMEROUS DOCUMENTS OVER THE PAST 4 YEARS. WE HAVE BEEN TOLD NOT TO WORRY BECAUSE THEY SAW THAT WE HAD ENOUGH PENSION AND RETREMENT AND SOCIAL SECURITY INCOME TO MAKE OUR MONTHLY OBLIGATION. WE SENT IN DOCTOR FORMS TO DOCUMENT THE MEDICAL EMERGENCY THAT DRAINED OUR FINANCIAL RESOURCES DURING XX/XX/XXXX -XX/XX/XXXX.RECENTLY WE WERE TOLD THAT OUR MODIFICATION APPLICATION WAS DENIED BECAUSE THE NOTE HAD A MATURITY DATE OF XX/XX/XXXX. WE HAD BEEN IN COMMUNICATION EVERY MONTH FOR THE LAST 4 YEARS. NOW THEY DROP THIS BOMB ABOUT PAYMENT IN FULL OR FORECLOSURE. THE TAX ASSESSED VALUE OF OUR HOME IS {$130000.00} ON A {$60000.00} MORTGAGE THAT THEY HAVE ASSESSED LATE FEES TOTALING {$30000.00}. 
UPON RECENT FACT FINDING SEARCHES, WE HAVE FOUND OUT THAT OCWEN LOAN SERVIVING OF XXXX XXXX XXXX, XXXX WAS UNDER INVESTIGATION BY THE XXXX STATE ATTORNEY GENERAL OFFICE AND WAS ORDERED TO PAY XXXX HOMEOWNERS FOR IMPROPRITIES. 
WE BELIEVE THAT OCWEN HAD NO INTENTIONS TO REFINANCE OR ACT IN GOOD FAITH. THEY LED US TO BELIEVE THATWE HAD NO PROBLEMS AND THAT IT TOOK A CONSIDRABLE AMOUNT OF TIME TO GET REFINANCING TOGETHER. DURING THE 4 YEARS, WE HAVE DEALT WITH XXXX FINANCIAL RESOLUTION MANAGERS, WHO HAVE REQUIRED US TO SEND UPDATED DUPLICATE INFORMATION, WHICH WE DID PROMPTLY. WITH EACH FINANCIAL MANAGER WE WERE LEAD TO BELIEVE THAT WE WERE GETTING CLOSER TO THE MODIFICATION, WHEN THE HOLD TIME THEY WERE DELAYING US.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 - 60 days late for the month of XXXX to XXXX and XXXX 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2017-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

I received a letter from XXXX saying that my loan was being transferred to Specialized Loan Servicing, LLC ( SLS ) around XX/XX/XXXX. After not hearing from SLS around the first week of XX/XX/XXXX I decided to contact them. I asked them for a welcome package and a billing statement so that I can make a payment. I was informed that both would be sent out within 3-5 business days. After receiving nothing for another 2 weeks I contacted them again and requested information regarding my loan. I still received nothing after a week so I contacted them again and asked for a supervisor. I was informed that a welcome package should arrive soon and I was informed that my mortgage was under investigation because the terms of the loan did n't match up to what they had on file. I had a promotional interest rate of 1 % with XXXX and SLS had my interest rate at 4.75 %. I contacted SLS again in XX/XX/XXXX because I still had not received any information regarding my loan or the terms of my loan. I spoke with a supervisor, XXXX, who informed me that I would not be receiving a statement because I did n't have a payment due until the year XX/XX/XXXX because I was paying far in advance. She stated that it 's not unlawful to not send out a statement if there was no payment due even though interest is accruing. She also assured me that the interest rate that I had from XXXX would carry over. After speaking with her for about 40 minutes with no resolution I decided to just refinance my loan so that I would n't have to deal with SLS at all. I contacted XXXX XXXX on XX/XX/XXXX for refinance and we began the process. On XX/XX/XXXX SLS sent me a welcome letter via email. On XX/XX/XXXX, SLS sent my first statement. I have since closed with XXXX XXXX so I 'm not involved with SLS any longer. Another issue that I have is that SLS did n't report any of my loan transfer to the credit bureau so it looks like a long good standing account with XXXX was closed which dropped my credit score significantly. To date, SLS still has not reported my account with the credit bureau.
Consumer complaint received 2017-10-14
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. (MA)

On XX/XX/XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via USPS certified mail on XX/XX/XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX ). 

XXXX sent me a notice dated XX/XX/XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XX/XX/XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XX/XX/XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.
Consumer complaint received 2021-02-09
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)

I contacted this company on XX/XX/2021 regarding an issue about something on my credit they have lied and stated they have no knowledge they can't respond when i am a customer and a consumer regarding this issue. They have 3 hard inquiries on my credit report since XX/XX/2021..XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX XXXX. I have not authorized my credit to be run by any of those companies what so ever. And so disappointed that i have to contact you'll daily in order to get a resolution. I had filed a identity. Complaint and was also told that if it is unauthorized this hard inquiries can be removed. And now they don't want to respond lying and saying im not the owner of the account when clearly my name is XXXX XXXX XXXX. They are just tired of the complaints that i have submitted which they wouldn't have to worry about this issue if they would just fix this issue.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

Im originally from XXXX, WA, and had XXXX XXXX in the house where I lived with two other roommates until XX/XX/XXXX, at the time of moving to XXXX, NC, I asked XXXX to cancel my subscription, as my roommates were taking it over, and I would not be needing their service anymore, they agreed, and said they would send or have someone call my roommates to switch the policy into their name, needless to say, this never happened. And unknown to me, my roommates continued to use the cable under my name, well sometime in XX/XX/XXXX, they fell behind on the bills, and now Im being held responsible for the debt, Ive received a collections notice, and a delinquent report on my credit for cable services when I havent lived there for 3 years! I spoke with the collection agency, XXXX, and the local law enforcement office to see what can be done in this matter, but I hit a brick wall with every call that I make, I have lease agreements and utility bills, let alone an NC drivers license that proves I was not there nearly a year before they fell behind on the bill. And their delinquent report is that I didnt pay {$200.00} on XX/XX/XXXX on my credit report! The bill originally was over {$400.00}. I have never fallen behind on any of my payments, my credit history will show that, I keep everything in good standing and on time.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have homeowners ' insurance through my condominium HOA. However, Ocwen told me to get another policy that covered the interior. While I was shopping for coverage, Ocwen purchased another policy WITHOUT MY CONSENT. When I provided proof of interior insurance, Ocwen then billed me for the amount they had paid for the other policy and put that amount into my escrow, which made my monthly mortgage payments go up by almost {$1000.00} monthly. I am disputing that with them now. However, while I was away on vacation, Ocwen had people come to my condominium and plaster a yellow sticker and poster on my condominium 's door outside demanding that we call them right away or the property would be considered vacant. My neighbors saw the notices on my door and texted me pictures of them. They were very offensive, embarrassing, and could have attracted burglars because the notices indicated the property was vacant. This practice has to stop before someone 's property is burglarized. Also, they are not entitled to the amount owed on the homeowners ' insurance they bought for me because they were not authorized to do so while I was shopping for coverage, which I have and have given them proof. Ocwen is trying to extort the money from me, and I am disputing the escrow amount overage ... thus they chose to punish me by putting the notices on my door saying the property was vacant. I want the amount they say I owe to be waived and a formal apology to me.
Consumer complaint received 2021-02-08
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: EQUIFAX, INC. (IL)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-06
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: CITIBANK, N.A. (GA)

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : 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
Consumer complaint received 2017-12-06
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: BARCLAYS BANK DELAWARE (GA)

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Barclays Bank XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

This company has contacted me several times to collect on 2 accounts that are listed on my credit report as derogatory items. 
They have indicated that the original creditor is listed as XXXX XXXX and that they have purchased these accounts. 
I have requested Verification of the original debt, as I do not believe that these are my accounts, as I currently have 2 XXXX XXXX Credit Cards That Are In good standing. 
They have sent me a letter verifying that these accounts were purchased from XXXX XXXX, and that they have the right to collect them. 
To this date, I have NOT Received verification that the original debt purchased belongs to me. 
They continue to call, even though I have asked them not to contact me again without verification of the original debt
Consumer complaint received 2017-12-08
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. (GA)

As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX