davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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. (MA)

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2021-09-13
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. (TX)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Recently the monthly mortgage payment that I am responsible for paying, and have been paying for ~20 years, was transferred to a new company. XXXX was the old company and Shellpoint Mortgage is the new company. 

Since then, every month ( except for the first month they took over billing, XXXX XXXX ) the bill arrives 25-35 days late ... arriving so late this month that I just paid my XXXX bill -- -which was due XX/XX/XXXX -- -- today ( XX/XX/XXXX ) over a month late, because I did not receive a billing statement until XX/XX/XXXX or XX/XX/XXXX -- -- nearly a month late, and now Shellpoint is unfairly charging me monthly late fees when it is completely their fault the payment is not being mailing in on time. In XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX ( because the billing statement was nearly a month late then too ) and I checked my bank account on XXXX or XXXX and the check had still not been cashed, it's like Shellpoint is holding up my payments so they can charge me late fees. Also, they have tried to sell me home insurance ; they claim I don't have insurance so my insurance agent faxed them proof of insurance via their fax number, and they sent me another letter again claiming I don't have home insurance. I just mailed them a paper copy of my homeowners insurance today and hopefully that will be the proof they are looking for. 
I feel like this company has a less than stellar reputation from what I've seen so far, but I would like to find out it's just an honest mistake on their part.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (AZ)

I called and talked to a XXXX the last two days. She is saying the check for the overpayment of the payoff of my loan was processed on XX/XX/2021. This complaint is to piggyback what they are doing. I filed my first complaint on XX/XX/2021. I have talked to XXXX at PNC, she does not know the check number to the check, and I asked her when it went out her reply was " I think On XX/XX/2021. She comes back after I asker her again and she said " yeah I think you check went out on XX/XX/2021. Here it is now two weeks later, and she says the check may have gotten lost. She goes on to say the check for {$190.00} for the overpayment for the payoff is delayed because of the bad storms in the mid west. I said the bad weather was in Texas. She says " oh yeah ''. She said she overnight the check and stop payment on Tuesday XX/XX/XXXX, however it would take a week to get. This company is playing a game with me. I want my money NOw.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NC)

I sent a letter to Experian asking them to look into a number of accounts they are reporting that I need more information on. They refused saying I disputed this already. I do n't know what they call a dispute, I did at one time try calling the numbers under some of the accounts I question but all I got was bullied by debt collectors and harassed. I know I have a right to that information from Experian.
Consumer complaint received 2022-03-01
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. (CA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (IN)

When logging on to my online Target Red Card account on XX/XX/XXXX I noticed an odd pending charge. Since I hadn't left the house in a month and I've never purchased anything online with Target, I used secure messaging within my online account to notify Target of the possible fraud. I also tried calling the number listed on my Target card but could not get through. ( 40 minutes on hold, then the call would drop. I attributed to the lack of service reps to the ongoing pandemic. ) Target replied via the secure messaging the next day that the charges were authorized and then moved the charge from pending to approved.

I replied back using the secure messaging within my account that 1 ) no the charges were not authorized, that was the point of my original notification, and 2 ) more unauthorized charges were being made. 

Target replied back that they could not help me and to call XXXX. Thinking this was a special credit card fraud number instead of the customer service number I couldn't get through earlier on, I called immediately. Instead of help I was treated to a solicitation for roadside assistance. If I didn't participate, I didn't get to talk to a human. 

I notified Target, via secure messaging again. They replied back basically to keep trying to call and to wait for my statement to be mailed to me. Meanwhile, more charges were popping up on my account. 

I dug around the Target website and found an email listed on their website for reporting - XXXX - which I used to email Target and beg for help in stopping the continuing charges. I still haven't heard back. Not even an auto-reply that acknowledge receipt. 

I reached out via XXXX and instead of helping Target responded back that I should check with my bank. I found that odd because my bank is a credit union and has at no time in it's history distributed Target Red Cards. I replied back to their message, saying I am not having any trouble with my bank or any other credit card but Target 's credit card, but have not heard back. 

Today is XX/XX/XXXX. Charges are still appearing on my card as they have every day since I originally alerted Target. I have contacted Target by every means available to me. I've screenshot all the information. I am bewildered that not only is Target not proactive in keeping my account safe, Target is actively blocking my reports of theft and fraud. 

Please, please help me. Every single day more charges appear. I can't get Target even to acknowledge the fraud, much less stop it. I don't know what else to do.
Consumer complaint received 2020-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I am having a problem with my equity line my loan was taken over from Ocwen to PHH Mortgage company.and noone in the company from customer service knows how to deal with my loan it being in a chapterXXXX bankruptcy.I am my own attorney " per si '' and just trying to get a payment to this company is almost impossible I was just was transferred 4 times on the phone a hour on hold all for a supervisor.once the supervisor got on the lione she didnt know what to do either and hung up on me with no return phone call. this company is unbelievable the y are very unproffesional and I question weather or not my payments are making it to the right person .or if its even getting documented .I have been stuck paying a XXXX dollar equity line for like 10 years and have probably paid it off 3 times yet I make payments every month and it stays at XXXX ; XXXX dollars and never goes down .try speaking to someone about it and they shuffle me to someone that hangs up on me very frustrated
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TX)

Back in 2019, I was a victim of check fraud. There was a negative balance, that was left, I paid it in full and spoke to a XXXX XXXX  Branch Manager, and it was supposed to have been fine, since the negative balance was cleared up. I tried opening an account with XXXX XXXX XXXX XXXX and 5 days later the account was closed, upon investigating, I was told it was because of an alert that Early Warning Services had on my credit file. I have contacted XXXX XXXX, I have spoken to multiple branch managers, I have contacted Early Warning Services multiple times and I have been getting the run around, i am not able to join any financial institution because of this. I have done everything in my power to get this removed, especially since the balance is {$0.00}
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I received a payment via XXXX on PayPal on Sunday XX/XX/XXXX at XXXX. It was described to be available in 3-5 business days. On Friday XX/XX/XXXX, my XXXX still was not available in my account. I called customer service and they said it hadnt been the full 5 days because of the XXXX XXXX holiday. On Monday XX/XX/XXXX, the XXXX was still not available in my account. I called customer service and they told me it would be available later that day, as I have seen the FULL 5 days out. Today is Tuesday XX/XX/XXXX, and the money is still not available in my account. Why should my money sit in an interest bearing account on the behalf of PayPal for over a week? Where is the interest payment to ME on MY money that PayPal has held for over a week now? How am I supposed to run a business this way?
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

We applied for the CARES Act mortgage forbearance program from Specialized Loan Servicing SLS who manage our mortgage that is held by XXXX XXXX Specialized Loan Servicing SLS only allowed 90 day increments after a 2 week 'decision and approval process ' with no clear extension process. Specialized Loan Servicing SLS then scared us regularly with letters stating that we were delinquent and needed to make arrangements to forestall disaster. When we called we were told they just send out those letters automatically and the letters don't apply to people on the forbearance program. 
Extensions have been understandably somewhat awkward then recently there was what I assume was a miscommunication. We probably missed a letter prompting us to discuss whether we wished to continue in the forbearance or pursue options after, and even though the previous extension involved letters and phone calls, some by me, only to be told they weren't ready to discuss extensions, some by them. 
This time they appear to have decided not to call us and just assume we would exit and sent us a payment deferral option. That would have been an understandable method of proceeding if, when we called to tell them that we were not yet ready to exit the forbearance program, they had said " okay we will talk deferral options when you are ready ''. 
Instead they have pressured and intimidated us as they repeatedly denied our extension of their shortened 90 day forbearance cycle. We have used 8 months of the 12 or now 15 available. They have decided that they have their own rules for the CARES program which as defined had very few and explicit rules if a the borrower of a mortgage held by XXXX XXXX attests to covid related financial hardship, wishes to use the forbearance option, and have not yet used the originally 12 now 15 months of forbearance the loan servicer sets it up in increments of up to 180 days, but under whatever those counter-to-the-law rules Specialized Loan Servicing SLS is using, we have been denied access the forbearance program and they have sent us an array of disturbing and confusing letters, ending with a massive application for options to avoid foreclosure. 
It seems beyond belief to think that they would do this to just us. 
Are we wrong to think the forbearance program wasn't supposed to be this traumatic? 
The uncertainty of when to discuss extension, the inconsistency in communication modes, the menacing letters you can only find out aren't relevant to you by calling in ( if so why send them? ), the pretense that SLS needs two take 2 weeks to make a 'decision ' on a program in which they do not get to make decisions, the requirement to do it in 90 day increments instead of the 180 days, forcing this process to be gone thru twice as often. 
I can not understand what profit Specialized Loan Servicing gets from doing this?

Why can't they just follow the law in a helpful and supportive way.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

In light of my previous complaint XXXX where I disputed the XXXX account associated with XXXX XXXX accounts XXXX _ please know XXXX XXXX is ALSO pursuing XXXX. 
The response to the above referenced complaint, was the collection account from XXXX   was removed. Please also know, the XXXX XXXX NEVER responded to my CFPS complaint nor my request for documentation to support the balance of {$460.00} THAT WAS PAID! This account was removed from collections from my credit Report and I have heard NOTHING sense. Then I get a call from Mitchell D Blum & Associates Law Office, It was not until 5 min into the call, they admit they are a COLLECTION Agency! Please see the attached letter I received this is a COLLECTION company presenting themselves as a LAW FIRM which is a clear violation of FDCPA! In addition to this, there practices are XXXX! The XXXXXXXX XXXX sold a debt that was RESLOVED and now I am being harassed by some fake law firm! This must stop! Someone needs to do something with these abusive companies! 

This account was resolved within my last disputes of the vitality of this debt, and this needs to be honored by this makeshift lawfirm! It is a violation of FCRA to reinsert a deleted / previously disputed account!!! Therefore, I demand this company cease the negative reporting of this invalid debt! 
m,
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I made a payment before the due date and I know for a fact there was funds in the account and capital one returned said payment the day before my due date after processing it for a week, however they did not reach out to me or call me to let me know there was an issue with the payment and the they charged me a late fee for an account with restricted access without even telling me they returned a payment. When I called I asked them why they returned the payment they couldnt give me a valid answer. I told them Id payoff the balance but I wasnt paying the late fee they charged me and they wont refund it to the capital one account so Ive paid off my XXXX balance but theres still a {$32.00} balance in there because of the fees they charged me that I shouldnt have to pay.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am an XXXX trustee of a trust maintained at Citizens Bank of Pennsylvania. I was REPEATEDLY ASSURED that the trust accounts would not be subjected to any fees, costs, or bank charged. Citizens started assessing a statement fee of {$2.00} a month. I called, they apologized and refunded {$2.00} in XXXX 2016. They reinstated this fee again. I visited a branch and requested that a regional manager call, to no avail. I am a trustee charged with maintaining the integrity of the accounts ( more than {$800000.00} is on deposit here ). They are stealing money and they are not responding.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid 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: CITIBANK, N.A. (WA)

I made a purchase of goods on XX/XX/XXXX from what I thought was XXXX company for shoe boxes. " XXXX XXXX  Looks like the site is now redirecting to XXXX it does look exactly the same. After making the purchase, it seemed fishy so I did some investigating and found that this is a XXXX company, nothing bad there but also found that many customers have purchase from them and didn't receive what they purchased, instead they got cheap plastic sheets that fold into shoe boxes but look and function nothing like the items advertised on the website. At this point I sent an email to cancel my order, but the merchant never responded. I then made a dispute to citibank on XXXX and they denied it on XX/XX/XXXX, I tried to explain my dispute after receiving the items to explain but it was once again denied. There are many reviews of this site along with XXXX reviews from customers. Also my order were for black shoe boxes cases and these are blue. Please see screenshots of what the item which was advertised and what was actually delivered. Added a pic of the item along with a size 11 shoe.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

my debit card was lost on XX/XX/XXXX unauthorized charges of {$140.00} {$220.00} {$43.00} {$35.00} {$240.00} {$380.00} {$8.00} {$4.00} {$17.00} {$140.00} {$470.00} {$400.00} were all made in the span of the XXXX and XXXX, I noticed the unauthorized charges via mu online banking on or around the XX/XX/XXXX and immediately called wells fargo and disputed and reported it. The representative did not notate the account or claim correctly leading me to have to follow up several times and have more terrible notation occur which complicated what should have been a simple reversal they are for places i have never shopped or heard of. the merchants i had heard of i was able to contact and have the transaction stopped before items were shipped. 
some were online some where swiped NONE of which included my Pin #. 

after several hours of speaking with resolution specialists who were also very rude, Wells fargo was beyond unprofessional their handling of the investigation and simply stated they would not cover the fraudulent transactions.
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX I received a letter from XXXX that said they have deleted a bankruptcy that they previously reported. I contacted experian and XXXX of this deletion letter and submitted a copy of the letter asking them for verication on XXXX XXXX. I also sent them a letter sent from the burueas stating XXXX is where they verified this information. along with a copy of the deletion letter from XXXX. Experian sent out response. Stating the item will remain. XXXX XXXX has yet to respond. I asked for both burueas to verfiy this item.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX American Express National Bank Executive consumer Relations, Legal Dept. 


XXXX XXXX XXXX XXXX. 


XXXX XXXX XXXX, XXXX  XXXX RE : XXXX, XXXX # XXXX XXXX # XXXX I am writing to request a favorable report be submitted to all 3 FICO credit reporting agencies : XXXX, XXXX, and XXXX. I've had account # XXXX with XXXX XXXX since XX/XX/XXXX. 


I've requested a change of bank for my SSI direct deposit & will be closing my account with your company as soon as transfer is complete. 


I will also be submitting complaints to XXXX & FDIC regarding your predatory banking practices. Your company : -misrepresented this account as a checking account linked to a debit card intentionally to mislead vulnerable adults. The account number is questionable and inconsistent with normal banking practices, in which customers would be improving credit rating for duration of positive account balance. This results in customers being unable to obtain future credit, employment, and/or credit at reasonable earned credit rate, due to " lack of credit '' indicated by FICO. This equates to " economic sabotage ''. The same XXXX Branded Companies and affiliate agencies including in this instance XXXX XXXX, fail to provide reasonable customer service and ethical business interactions. 


In addition : -multiple XXXX XXXX failed to maintain Money Center Cashier/ Center Kiosk and/or MoneyPass ( fee free ) ATMs -Bluebird/AMEX failed to maintain XXXX ATM affiliates within reasonable distances for " Vulnerable Targeted Population Victims '' poor & XXXX dependent on public transport while also preventing cash back with purchase, all of which resulted in undue ATM fees, transportation fees, untimely walking travel distance. 


Undue stress economic hardship directed at targeted populations vulnerable poor and XXXX. 


There has been not only no benefit, but much harm caused by your illegal and unethical predatory, business practices. 


You should be ashamed, publicly shamed. 





Cc : XXXX XXXX, XXXX XXXX, XXXX, FDIC, XXXX, XXXX, XXXX