davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (FL)

My engagement with Fay Servicing began in XX/XX/XXXX. We had our insurance policy, which we paid for directly and not through an insurance escrow account, emailed to us by our XXXX insurance agent. This is when issues with Fay Servicing started to arise. On XX/XX/XXXX, they debited my account for insurance in the amount of {$1200.00}. 

Subsequently, on XX/XX/XXXX, an insurance refund of {$1200.00} was processed, but it is unclear who the recipient was. On XX/XX/XXXX, I was charged {$96.00} for insurance and received notification that I had been assigned forced placed insurance with XXXX XXXX XXXX for the period from XX/XX/XXXX, to XX/XX/XXXX. 

On the same day, XX/XX/XXXX, my account was again charged for insurance, this time in the amount of {$3500.00}. 

A further insurance refund of {$280.00} was issued on XX/XX/XXXX ; however, it is not specified to whom this refund was made. 

On XX/XX/XXXX, my account was charged yet another insurance payment of {$2600.00}. 

As a result of these transactions, my mortgage payment has increased from {$950.00} to {$1500.00}.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and Midland is still reporting account as no paid. Please remove account from credit report
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I placed a {$170.00} online order from XXXX XXXX for a t-shirt and pair of shorts. I paid through PayPal with {$100.00} being charged to my personal credit card, and {$63.00} being charged to my PayPal cash balance. I received tracking information for the items, but when the package arrived on XX/XX/2021 it did not contain the items I ordered, but just a small string. I immediately filed a dispute with PayPal. I requested a full refund, but PayPal claims I typed XXXX instead of XXXX. I received a refund for {$17.00}, and immediately contacted PayPal to correct the mistake. They initially told me they could not reopen the case, but after further investigation they said they could give me a full refund. I did receive the refund for the full amount charged to my credit card ( {$100.00} ), but never received the refund to my PayPal cash balance ( {$63.00} ). I contacted PayPal again and explained that I was still waiting on the {$63.00} refund. The agent told me he saw where the previous agent said I would receive a full refund, but claimed this was an error. I asked to speak to a supervisor, XXXX, who told me the same thing. I requested recordings, transcripts, and notes from my calls to customer support, and asked XXXX to escalate the situation to her superiors.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I left for basic training and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/XXXX Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

received on XX/XX/XXXX letter dated XX/XX/XXXX stating i owed {$1600.00} from XXXX XXXX XXXX.original creditor XXXX XXXX XXXX # XXXX.this is not my account.i sent a letter of dispute XX/XX/XXXX i have received no response to date XX/XX/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 status incorrect
Company: Experian Information Solutions Inc. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXXXXXX XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Last year I paid the outstanding principal balance to avoid a foreclosure. I wasn't able to pay the late fees. Starting in XX/XX/XXXX the monthly totals were caught up and I made payments on time. I just noticed I'm 2 months behind in payment, although all payments made this year were made on time. Specialized Loan Services ( SLS ) has apparently dropped the account back two months in an attempt to get late fees from the previous year. 

This is rental property and the tenant said a foreclosure sticker had been placed on the house at the beginning of the year. Since all payments have been caught up SLS is now stating that I'm two months behind in payments. Nothing can be further from the truth.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (NC)

Continental Finance  issued me a   XXXX  card  that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called  XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from  one  department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over   XXXX   % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously  may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.
Consumer complaint received 2018-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (NV)

XXXX XXXX has 3 accounts in collections for me totaling {$4800.00} that where opened on XX/XX/17 that are not mine. I would like to dispute all 3 accounts. Accounts are with a collection agency by the name of Astra Recovery. I spoke with them and they advise me to file a dispute.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MN)

This company keeps updating my credit report saying a new collection has been placed on my reports and it keeps dropping my credit scores this is beyond illegal to do that this has been a long process with them all they sent was a cell phone bill therere ruining my credit for they own can next step is a lawsuit against the company if This isnt removed from my credit report.
Consumer complaint received 2019-03-06
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. (GA)

I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX and XXXX XXXX.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have sent Equifax numerous disputes about this incorrect public record on my report i have ask them to provide me with verified information that this account belongs to me. And they have not provided me with any information nothing at all. Just a letter stating they verified. But no documentation proving that that particular account belongs to me. I have contacted the court in question and they stated they did not provide Equifax with any information. I sent that along with my dispute and they did nothing no reply.Therefor they must delete this wrong and incorrect public record account off my credit report. It is against the law to report inaccurate information on someone credit file and i demand they fix it and remove it from my report. I have included the same documents the court sent me as proof in my complaint. I also included identification with copies of both my Drivers Licenses to provide verification I am truly this person and would like swift fashion in removal of inaccurate account.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my Capital One Credit Card information had been deleted from my XXXX Credit Report. 
Both XXXX and XXXX continue to reflect the Capital One Credit Card Account which has perfect payment history. Please dont confuse the credit card with my Capital One Car Loan. 

I have been treated like a ping-pong ball between Capital One and XXXX for more than 5 months. They both blame the other for the error. I have been told month after month by Capital One the account will be restored to my XXXX file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my Capital One CC history be restored to my XXXX report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

We have a loan managed by XXXX. We took out the loan when our youngest daughter was in college. She graduated in 2009. Our payment due date is the XX/XX/XXXX of the month. Today when I logged on to schedule the payment for the XX/XX/XXXX, the site reported that the account was delinquent on XX/XX/XXXX. Really? One day past due? 

Here is the letter I sent this morning : " I have repeatedly asked that you change my due date to the XX/XX/XXXX of each month as that is the day I get paid, and sometimes ( on a month in which I have three mortgage payments due ) I can not pay you until the XX/XX/XXXX. My account becomes overdue or delinquent one day past the due date? is that even legal? 

Please change my due date for my loan payment from the XX/XX/XXXX of the month to the XX/XX/XXXX. '' I can not seem to get any satisfaction from this company, even for the small change I am requesting.
Consumer complaint received 2018-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Complaint against XXXX XXXX XXXX XXXX - XX/XX/XXXX I was approved for a Wells Fargo Prime Equity line of credit, amount {$73000.00}, in XX/XX/XXXX. I only withdrew {$45000.00} of total amount. In about XX/XX/XXXX account was restricted to about {$45000.00}, without notification. 
COMPLAINT - Account never should have been restricted, due to the fact that I am a longstanding customer with top credit rating. I want restriction lifted without any conditions. Also has Wells Fargo Bank used restricted amount to create any false accounts? Reason for restriction may be due to mass bank failures, not my fault. 

Thank you for your attention with regard to this matter.
Consumer complaint received 2021-08-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

The mortgage company ( Select Portfolio Servicing , Inc ) wrongfully put forced placed insurance on the property when there was an active policy. They were well aware that the property had an active insurance policy. 

After months of attempts to get them to remove it they finally did but refused to remove the charge on escrow. We have had a lawyer hired to resolve this matter but they refuse to remove it. ( {$7500.00} XXXX We had notified them months ago that we wished to pay off the loan and unfortunately we have had to pay interest for these months due to the delay caused by these improper charges. ( 6 months ) We filed a CFPB complaint ( XXXX ) and they responded giving incorrect/false information stating that the XXXX policy lapsed in XX/XX/XXXX when in in fact there was an active policy until XX/XX/XXXX and a new policy active right when that policy expired with no Lapse. ( please see attached insurance dec pages for XXXX & XXXX. ) We, Our lawyer and insurance agent have provided both policies to the Lender multiple times. The Attorney send multiple letters and communications to the Mortgage company. Now I've been forced to file a second complaint because they gave incorrect/false information to the CFPB when the policies clear show there is not lapse in coverage. 

I am attached the declaration pages to show that there was not lapse in insurance.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (NC)

OPTIMUM OUTCOMES have been calling my phone for over 6 months now without my consent. I do not know them nor how they got my information but that's identity theft. I have over 30 calls, which I can prove, showing how much they're calling me. I've asked them to stop calling and to remove my number from their system but it's clear they're not listening. As a consumer, they're violating my rights.
Consumer complaint received 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Nelnet is servicing my XXXX Loans for me and my school is XXXX XXXX XXXX XXXX ; they are not awarding my aid or applying my loans to my student account to pay for my tuition and fee 's in a timely manner. XXXX has Online XXXX Students wait 3 weeks into a 10 week term before loans are applied to account balances and student 's refunded the difference. In total it is a 21 day process with the term being well into session but we are unable to access our funds and use them toward educational expenses. XXXX does not make their onsite campus students wait 21 days to access their federal student aid and loans, this causes a hardship on the XXXX XXXX XXXX who is an adult and don't live in a dorm. The school says its the lender and the lender and XXXX says it is the school 's policy. I am unsure but I do know it is inequality and unjust and I will keep complaining until we online graduate students are not penalized for being professional students.
Consumer complaint received 2019-03-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Improved Data Services LLC (TX)

The debt collection agency has done the following : - Repeatedly called me at my place of employment - Called other individuals like my future mother-in-law claiming they are running a background investigation - Threatened to file arrest warrants
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Currently a discharged bankruptcy is being reported by XXXX and Transunion after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX 2011.
Consumer complaint received 2022-01-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (TN)

On XX/XX/2022, in an attempt to clear up the confusion with Zelle I called XXXX XXXX the day prior and ask him for help to clear up the confusion between the emails and the phone numbers within Zelle after getting more information I tried to contact Zelle on their website they only have an address and they emailed I emailed them and the email did not work so I have no recourse but to put it in the complaint about their company until I remedy the situation I have between the accounts at Zelle in between the banks in the phone numbers so I know exactly how my money is coming and going
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TN)

In XXXX XX/XX/XXXX I think it was my check was deposited on to this card and they kept that so on XXXX the XXXX I had a deposit of {$5000.00} get deposited on there well that close to my account and they won't give the money back I have sent letters that haven't even talked sent it back to the Small Business association it was a grant that they had gave me and now they won't send it back I've even tried to contact them several times through emails I even give it to me