davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MN)

I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.
Consumer complaint received 2021-06-22
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. (TN)

XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas XXXX and TransUnion to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC. (VA)

THEY CALL EVERYDAY XXXX TIMES A DAY AND I TELL EVERY SINGLE XXXX OF THEM SAYS THEY WILL TAKE ME OFF THE LIST AND THEY DO NOT!!!! THIS IS UNACCEPTABLE! 

THEY ARE LOOKING FOR XXXX AND HE DOES N'T LIVE AT THIS NUMBER BECAUSE THIS NUMBER IS A XXXX, WHICH I 'VE ALSO SAID BEFORE. THIS DISRUPTS THE FLOW OF MY OFFICE AND IT MUST STOP. 

XXXX OF THEM ACCUSED ME OF LYING AND SAID THEY WERE GOING TO TAKE THIS XXXX GUY TO COURT IF HE DOES N'T COME TO THE PHONE ... WHAT?!
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

My rental car was broken into on XXXX XXXX, 2016 while I was shopping at XXXX on XXXX XXXX, XXXX. My bag was stolen with XXXX of my credit cards, cash and my driver 's license. In less than half an hour, ( I was not able to inform my credit card company of the theft as I was driving home ), XXXX cards were used at XXXX XXXX in which over {$5000.00} total was spent from XXXX cards. I called XXXX credit card company within 45 mins of the theft, XXXX were able to reverse the charges. HOWEVER, I have been " battling '' with AMEX to reverse the charges that were imposed by the thieves. I have attached the letter that came back from AMEX, informing me that the fraud charges can not be removed. I have also attached the XXXX Police Dept Reportee follow up note showing proof that the theft did happen. I CAN NOT understand WHY AMEX is denying the fraud charges when even XXXX 's fraud dept admits " wrong activity '' on my cards. As you can see from the docs, the last letter from AMEX attached a receipt of the purchases. The receipt HAS NO signature!!! I have tried contacting XXXX fraud dept to see if they can help me reverse the charges. Unfortunately, they were of NO help indicating that it was a third party credit card. My understanding with credit cards, especially AMEX is that the consumer is not responsible for fraud charges, as such, I am reaching out to your bureau to help me resolve this " nitemare of a problem ''! Dealing with the car theft and broken window on the rental car is already a stressful situation, I do not believe that AMEX has added " salt to injury '' by making these fraud charges unresolved. Please HELP!
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Payoff process — 
Company: Paypal Holdings, Inc (DC)

I obtained a PayPal Credit account nearly two years ago. I only used it for XXXX purchase - an airline ticket. I never received any statements from PayPal Credit, I never received any contact from PayPal Credit. I received a call from PayPal Credit in XXXX saying that I had an outstanding balance. I immediately began paying and was told that I could arrange monthly over the phone, which I did. I have been paying monthly since then. 

PayPal Credit then sent a statement - which I asked for during that call - to the wrong address. When the statement was returned to PayPal Credit, they deactivated my account ( without notifying me ). When I found out that my account was deactivated, I was told it was a very simple process to merely reactivate it so that I could link it to my PayPal account. Subsequently, I was told that my request to have my account reinstated was denied due to previous late payments. This is absurd! THE ONLY REASON ANY PAYMENT WAS EVER MISSED IS BECAUSE PAYPAL CREDIT NEVER SENT ME ANY STATEMENT OR HAD ANY CONTACT WITH ME AT ALL AFTER MY FIRST AND ONLY PURCHASE. 

I know have a PayPal Credit account with a {$220.00} balance. The account had a credit line of more than {$1000.00}. My usage rate is well below 25 % but Pay Pal Credit will not reinstate my account! 

I believe PayPal Credit 's practices are unfair, abusive and misleading. The used misleading marketing to lure customers into using their service XXXX a one-off basis and then failed to ever contact me. These sorts of unfair and abusive practices target customers who do not fully understand the terms of their product. 

I would like my PayPal Credit account reactivated and linked to my PayPal account.
Consumer complaint received 2016-03-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (FL)

The account was opened fraudulently by person unknown. I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

There's incorrect personal information on my credit report. I've attempted numerous times to reach Experian and get this resolved but they have violated my rights and have not done so. I have one name that I was born with, and one address that I reside at. The incorrect information needs removed immediately. 

Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Incorrect Names : XXXX. XXXX XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and XXXXm the one who submitted a complaint on XX/XX/2022. This account ( ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ).
Consumer complaint received 2023-03-28
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. (FL)

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (IL)

I HAVE CONTACTED THE BUREAU SEVERAL TIMES IN REGARDS TO THESE ACCOUNTS LISTED ON MY CREDIT PROFILE. IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHT ACCORDING TO 15 US CODE 1681 b THAT I DID NOT GIVE ANY AUTHORIZATION FOR THESE ITEMS TO BE LISTED ON MY CONSUMER REPORT. MY CHARACTER IS BEING DIMISED BY THIS MISBEHAVIOR FROM THE CREDIT REPORTING AGENCY!! PLEASE REMOVE NOW AS THIS IS MY 3RD REQUEST
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Early XXXX I contacted XXXX asking for credit line increase with my account ending in XXXX. It was denied. A credit bureau submitted information that was not mine. Ive never filed bankruptcy, have not used a delinquent account, once I paid a credit card and put the wrong bank account number in and that made the payment late. I pay all my credit card balances off each month! I have never been in a payment program. I have a credit rating of XXXX. 
This incorrect information needs to be removed from any reporting on XXXX Or XXXX XXXX XXXX immediately. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Fl. XXXX, SS # XXXX. Birthday XX/XX/1941
Consumer complaint received 2022-02-16
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. (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 TransUnion 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 TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

In XXXX this debt was reported by the company itself the debt was disputed and removed from all credit bureaus by the company because the debt didnt belong to me. In XXXX of XXXX the debt was sold to a third party, which is who my complaint is about. They are now reporting this inaccurate information.
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (AZ)

I sold my vehicle for {$2000.00} more than I owed. XXXX paid the total to my lender, Ally within 3 days at the beginning of XXXX this year. Ally said the overage due me should in my hands by the XXXX. Which seemed like too long. I didnt receive it so I messaged them. They said it wasnt even mailed till the XXXX! Here it is the XXXX and I STILL dont have it. That is not their money to trifle with.
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Creditors, Inc. (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (NJ)

M & T bank has the worse communication, and customer service I have ever experienced! I have the response they sent the CFPB, and it states false statements about what I said when I called to file my dispute. I never said the person behind me saw my pin and took money out! I stated that my coworker stole my debit card, and has seen my pin before because I use the same pin for all my cards! M & T denied my claim, on a determination they made themselves and it was false, because I never said that! I want them to replay me that recorded conversation I had with their XXXX representative, and you will see if clearly state my coworker stole my debit! I have copies of all the messages and paper work I have sent them! This is crazy already, and this bank just does n't care, and make false statements too.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2021-06-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2016-02-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them '', I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX, they will foreclose. WHen I called, I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process, I was not delinquent. I entered into the forbearance because they said that is the only way they would consider a modification.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

TransUnion has wrong info on my home equity loan pay off. 
My XXXX home equity loan was paid off on time. I had XXXX late payments a few years ago but this loan was paid off on time. I went to them and they said they reported it paid off by consumer. Trans Union has it listed as paid Derogatory. I filed an online investigation with them and it still came back as derogatory. The bank says it filed with all the credit reporting as Paid Off. Transunion has it as derogatory.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I initiated communication with XXXX XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, XXXX credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Hi! 

I opened a credit card called " The XXXX Preferred Guest Credit Card from American Express '' on early XXXX. The promotional bonus for this card is " spending {$5000.00} and get XXXX XXXX points ''. After spending more than {$5000.00} for more than half a year, I still have n't received my XXXX bonus points.
Consumer complaint received 2019-02-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in XXXX the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Consumer complaint received 2015-08-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

The Credit Card company send me a XXXX on XX/XX/XXXX, indicating the debt is cancelled ; however, they kept reporting to the credit bureau with the original balance and past due balance. I tried calling them to dispute the issue, but they would n't do anything. I dispute with the credit bureau and they XXXX out the balance and past due balance in XX/XX/XXXX. The Credit Card company again report the original balance and past due balance and this become and endless cycle, and I have already filed tax in XX/XX/XXXX for this XXXX.