davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (MD)

Basically I submitted a previous complaint XXXX with CFPB in regards to The Money Source not properly transferring loan payments to XXXX XXXX. The Money Source never transferred funds or provided actual proof such as a wire # or check receipt etc. I reached out to XXXX XXXX on XX/XX/XXXX and they still haven't received any funds and are expecting a XX/XX/XXXX payment. I have reached out to XXXX XXXX who was listed below at a POC for TMS and she has not responded to my inquiry. 

Here is an outline of the previous complaint ... 

XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source ( NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that TMS transferred his loan to mortgage servicer, XXXX XXXX, but did not forward his XXXX payment. Upon receipt of the complaint, TMS conducted a thorough review of the account and determined that the loan was originated with XX/XX/XXXX on XX/XX/XXXX, with a first payment date of XX/XX/XXXX. The loan transferred to TMS on XX/XX/XXXX. The Borrower made a regular monthly payment of {$1900.00} on XX/XX/XXXX and additional principal payments of {$1700.00} on XX/XX/XXXX and {$1300.00} on XX/XX/XXXX. The loan was scheduled to transfer to XXXX XXXX on XX/XX/XXXX, at the full principal balance of {$340000.00}. Rather than being placed in a suspense account, the XXXX payment and principal were applied to the loan in error, delaying the transfer process and posting of the funds. The funds will be transferred to XXXX XXXX by Friday, XX/XX/XXXX. TMS has advised XXXX XXXX of the date of receipt of all funds so that they can be correctly credited to the account. The issue has been escalated to management for review of the payment posting and transfer process and addressed through training to ensure this does not occur again. TMS sincerely apologizes for the delay and frustration caused by this error. If you have any questions or need further information regarding this complaint, please contact me at XXXX. Sincerely, XXXX XXXX Vice President, Regulatory Compliance.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

On XXXX, Receivable Performance received my request of dispute in their office at XXXXXX/XX/XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.
Consumer complaint received 2021-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

When I called Equifax on my new XXXX XXXX XXXX to put a freeze on my account, at the point where are the automated system tests for your identity their system became unable to hear both my voice responses and my keypad responses. One time the system no hung up on me, and another time a customer service person answered and after a minute it seemed like she hung up on me also, perhaps trying to herd me to their online reporting system. 

I would like a Equifax to call me and help me set up the freeze on my account before my identity is stolen!
Consumer complaint received 2021-04-09
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. (PA)

XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now
Consumer complaint received 2019-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I recently applied for a loan with a company named one main financial and they deposited a check into my account saying it was verification amount that I would have to send back to them verifying there was a way that I could pay them back. When the money became available I was told to send the money back to them by putting it on a loadable card from XXXX and XXXX and after I did that they returned the check which was fraudulent and my account went negative. {$990.00} is the total amount of the check that was deposited and my account is currently negative {$1000.00} in total charges.
Consumer complaint received 2023-04-06
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. (PA)

I received correspondence from XXXX credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (LA)

This company did not follow XXXX  repossessions laws when picking up my vehicle. The vehicle was taken from my home without my consent. The car was taken after payment was made on previous notice and I basically walked out my house with no car and was not given any notice to make arrangements to gather my personal property from the vehicle. I was given no information as to what tow company picked my vehicle up or how I could contact them. My license plate was also taken and not given back. And I haven't received any information on the amount that the car resold for.
Consumer complaint received 2020-11-17
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. (NV)

I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (CA)

I first contacted XXXX on XXXX/XXXX/XXXX regarding a letter I received from them stating I had an account that was past due in the amount of {$1500.00}. I formally put them on notice I was disputing this claim and requested validation of debt. The first letter I sent was sent certified XXXX XXXX XXXX XXXX XXXX XXXX ) with signature required. The letter was delivered and signed for on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, 30 days after XXXX signed for my letter, I obtained a new copy of my credit report and noticed they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such, they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. I received no reply from XXXX to my first letter and to date, my most recent credit report dated, XXXX/XXXX/XXXX still shows that XXXX has not marked this trade line as disputed with the credit reporting agencies, a clear violation as mentioned above. 

I followed up with a second letter dated XXXX/XXXX/XXXX after receiving a letter stating that I had an account that was past due in the amount of {$10000.00}, almost one year after my first letter was sent to XXXX  requesting debt validation. My second letter was also sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX/XXXX/XXXX. I once again requested debt validation in my letter and noted that my credit report has been negatively affected because of this reporting and they have continued to fail to provide competent evidence validating this debt with my signature. 

On XXXX/XXXX/XXXX, I received a letter from XXXX stating they were including a signed contractual agreement and payment history report. The " contractual agreement '' I received did not have my signature on it, only my name typed in the signature line, dated XXXX/XXXX/XXXX. 

Finally, I sent a certified letter to XXXX XXXX XXXX on XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX ), putting them on notice that the address furnished by XXXX on my credit report was inaccurate data as they provided a false address to reach them. It was only after my own research I was able to track down their correct address to begin mailing correspondences. XXXX to date has not acknowledged my complaint of this violation however, XXXX has updated their address with the correct one on subsequent credit reports. 

I continue to request and ask that since this debt can not be validated, this trade line be removed from my credit report and this creditor and the credit reporting agencies be held accountable to their clear violation of both the FCRA and FDCPA. 

Should you require any further information, please do not hesitate to contact me
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank arbitrarily lowered my credit limit on my PC Richards card. When I contacted customer service, XXXX, credit manager, told me that Synchrony Bank was lowering my credit due to inactivity. She was also kind enough to inform that Synchrony began lowering and even closing credit accounts beginning in around XX/XX/2020 due the COVID-19 pandemic. According to XXXX, Synchrony began lowering credit on customers they felt posed higher credit risk. 

I have not had any change in my ability to maintain and pay my credit. I have chosen to not purchase anything from PC Richards only utilize credit to my advantage.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX death cert file:XXXX ; cert XXXX deceased on XX/XX/2014. My mother 's life policy was stolen this yr. I contacted the ins co. I lived with strangers because if my husband and my room was being entered when I went to work. I entered my brothers ssn in the credit bureaus data base and opened an acct. A letter was rec 'd in the mail from TN tax showing XXXX  due on an inh tax. TN tax number XXXX. XXXX had three houses and his ex wife assumed some of his properties. I contacted cc and ssn adm and closed out his acct when he died. He was in the military and his family did not rec payment from XXXX plan. I mailed an unq on XX/XX/XXXX cert number XXXX ; XXXX plan XXXX. XXXX XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

-- SPS ignores and creates artificial errors on fully completed loss mitigations applications in order to circumvent Dual Tracking laws that prevent foreclosure process while a complete loss mitigation application is under review. Attached correspondence from SPS stating that loss mitigation documents have missing signatures or have incomplete pages while copy of loss mitigation application and supporting documentations ( also attached ) show no missing signatures and all pages complete ( no missing portions of pages ). Violation to CA CC 2923. 
-- Attached letter from SPS confirms SPS received complete loan application on XX/XX/XXXX but failed to process the documents provided evidenced by SPS reference to documents being received on XX/XX/XXXX while the mailing confirmed SPS received on XX/XX/XXXX. SPS not properly processing documentation submitted by Borrower resulting in SPS denial of complete loss mitigation application due to negligence and unfair business practices. Violation to CA BPC 17200.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

on XX/XX/XXXX, I started a process to refinance my home with Citibank, but they took about six moths, just to let us know that we were pre-approved. when in XXXX of XXXX, I asked to have an answer about our case, I was told that they were going to need more information from us and that they will decide. on XXXX, finally was everything ready to sign, but the notary public person said that she was not going to come because we did not speak English and that she was not going to risk ( lose ) her license because we could not communicate in English, even though I explain to her that we do speak English, she refused to come, so I called the bank very upset and they just said that she was in her right to do that, but they said that if we requested someone in XXXX they will send another one ( like ... If we requested it? I just said that no-one requested anything and that we DO speak English ). Anyway, the last drop that spilled the glass was that ; the bank included a " clause '' in the contract that if we do not accept a new checking account that they opened ( without our consent ) for us in order for them to retrieve the monthly payment form it. Of course I refused, and the notary said that if do not accept that the will cancel everything.
Consumer complaint received 2020-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America processed a fraudulent charge using my credit card for {$18000.00} on XX/XX/XXXX. Bank of America ( BOA ) sent a text alert denying fraudulent purchase but ended up processing the transaction without notice. Filed a fraud claim with BOA on XX/XX/XXXX. Received a letter from BOA dated XX/XX/XXXX notifying me of a credit for the fraudulent purchase. Received a letter from BOA on XX/XX/XXXX denying my claim and the credit was reversed. Filed a Police Report with XXXX XXXX on XX/XX/XXXX. Sent letter to XXXX XXXX on XX/XX/XXXX with no response. Filed ID Theft Report with FTC on XX/XX/XXXX. Sent letter to BOA on XX/XX/XXXX with copies of Police Report, ID Theft Report with copy of Notice of Furnishers of Information from FCRA. BOA reopened fraud claim. Received XXXX Proof of Delivery ( POD ) from XXXX XXXX on XX/XX/XXXX showing Bogus Shipping Address. Received claim denial letter from BOA on XX/XX/XXXX. Received BOA letter dated XX/XX/XXXX on XX/XX/XXXX asking for affidavit denying purchase. Sent signed BOA affidavit on XX/XX/XXXX. BOA Fraudulent claim reopened. BOA reopened case and continues to deny the claim. Retrieved XXXX POD from website on XX/XX/XXXX showing discrepancies in comparison with POD from XXXX XXXX. Sent letter to BOA on XXXX showing shipping discrepancies. Spoke to XXXX Customer Service on several occasions. In particular spoke to XXXX XXXX on XX/XX/XXXX. Received call from shipper name of XXXX XXXX on XX/XX/XXXX at XXXX to redirect package. Shipper setup BOGUS return address. XXXX driver called XXXX agent for undeliverable package. Agent redirected package to XXXX MD. Email received from XXXX XXXX XXXX Account Manager, XXXX XXXX on XX/XX/XXXX to redirect package. XXXX XXXX filed a lost package claim with XXXX claim # : XXXX. XXXX XXXX with XXXX assigned to the claim. XXXX processed the Lost Package Claim acknowledging their error. The {$18000.00} charge remains on my Credit Card and continues to accrue interest. I have three different XXXX POD 's with several discrepancies. Sent letter to BOA on XX/XX/XXXX with documentation of discrepancies. BOA continues to deny the fraudulent purchase claim.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My mortgage matured XX/XX/2020 the start of Covid-19, I submitted several applications to modify my loan and sent payments, payments were returned and modifications were denied. My balloon payment is XXXX, XXXX, and the company will not help me or modify my loan.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WI)

PayPal ran an offer for " Free {$10.00} for any amount of XXXX purchase '' offer. On XX/XX/2021 I bought {$40.00} worth of crypto currency. 

On XX/XX/XXXX, I decided to purchase {$260.00} more of the same crypto currency based on its upward trends. 

On XX/XX/XXXX, since the crypto currency I own was dipping, I decided to attempt to purchase {$100.00} more. After trying, I immediately was notified that my PayPal account had become restricted. I followed the steps provided by them to lift the restrictions. This involved uploading an image of my driver 's license, providing a bank statement, confirming the last four digits of my SSN, and commenting on a recent transaction ( but PayPal did not provide me which transaction to comment on ). 

On XX/XX/XXXX, I was notified by PayPal that all restrictions on my account had been lifted. I once again attempted to purchase said crypto currency, however this time received a notification telling my my account was permanently. Not only am I restricted from using any of their services, but put a hold on my funds for 180 days. 

I called their Customer Service, and ultimately was a waste of time. When I asked for the specific reason why my account was permanently restricted, the man said that information was " Confidential and Proprietary. '' The only anomaly in all of this, was the fact that I had recently installed and been using a VPN service for a reason completely unrelated to this. If PayPal banned me for using their service with a VPN, like I said earlier they would not disclose to me, ALSO using a VPN is not listed in their Restricted Activities and Holds section of their User Agreements.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I sent out a debt validation letter and received a response on XX/XX/2020 they didnt validate the debt the company only sent out a list of the accounts and amount of debt. Than i sent a failure to validate letter i received a response on XX/XX/2020 with no valid information or contract they sent the same letter that they sent on XX/XX/2020 2020
Consumer complaint received 2021-09-23
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. (CA)

XXXX, Equifax and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened