davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (VA)

I applied for a loan with XXXX for my small business. After I received the loan, I started to get another bill in a different amount that I was already paying back to XXXX on the monthly basis. This new bill was from Paypal, once I spoke to them I was told that I accidentally clicked on a button that prompted Paypal to provide us with the loan and that for that reason I owed them the additional {$300.00}. I contacted XXXX about this and their response was they could not do anything about it and that people get confused when setting up the account. I am in disbelief how XXXX can have Paypal in the settings to obtain payment for a service that is supposed to be only through XXXX. Today I agreed on paying XXXX {$230.00}, because I do not want to ruin my credit. I believe this is a very sneaky way to obtain additional money for a service I did not sign up.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (AL)

You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I went to apply for a Mortsge. My experian Fico score says XXXX on my report. The bank pulled my report and experian is XXXX. How do I have 2 differsnt scores?? This is going to cost me more to get the loan
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2020 I deposited a payroll check into my USAA checking account in the amount of {$860.00}. The bank placed a seven day hold on my funds listed multiple reasons ranging from the mobile deposit system doesn't recognize the check, to there was suspected fraud on my account. I contacted the bank multiple times attempting to have the hold removed and was unsuccessful. I spoke to over a dozen different representatives and managers and was hung up several times. The bank is legally obligated to release a payroll deposit within two business days after the deposit up to {$5000.00}. This along with my account being placed in fraud prevention is a violation of my right to privacy and the banks authority to operate under FINRA regulations.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp. (GA)

Consumer has a right to privacy. ABSOLUTE RESOLUTIONS CORPORATION ( ARC ), a debt collection agency, recently began contacting the consumer after acquiring ownership of a debt that consumer allegedly owed to XXXX XXXX XXXX XXXX. The debt collection agency was informed to cease and desist contacting the Consumer. ARC received communication from Consumer to cease and desist via USPS Certified Mail. Once the previous alleged contract with XXXX was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission nor any permissible purpose, which is a direct violation of the FCRA and FDCPA. ARC has accessed consumer 's personal information, credit file disclosures and even created an erroneous account with the Consumers personal identifying information, insinuating that they gave the Consumer some type of loan. The Consumer has NO obligation to this organization. The Consumer will be filing an Identity Theft Report with the Federal Trade Commission. Debt collectors should have been notified by XXXX that XXXX submitted cancellation of debt to the IRS, therefore any alleged debt has already been discharged, cancelled, and forgiven. ARC took it upon themselves to acquire a so called debt and stated in a recent letter that they were the owners of the debt. ARCs decision to acquire a credit profile was a choice of their own and Consumer never GUARANTEED any asset, note, or payment nor did they sign any contract with ARC. Consumer has suspicion of these XXXX companies, XXXX XXXX XXXX XXXX. and ARC to be committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with ARC and/or XXXX. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. XXXX IS IN VIOLATION OF THE FCRA 15 USC 1681 CONSUMERS RIGHT TO PRIVACY FOR ADVERTISING AND SELLING CONSUMER 'S PERSONAL NON-PUBLIC INFORMATION. ARC IS IN VIOLATION OF FDCPA 15 USC 1692 A Consumer 's Right to Privacy by the reference violations mentioned above. Consumer has a copy of several credit file disclosures displaying the debt collectors accessing of the Consumers information without Consumers written consent. Consumer also holds denial letters and other evidence of harm caused by these companies negligence and willful noncompliance.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

I review my credit report and look was account, i call the aprtament buildibng they claim was under another person not my, and they cant reach the manager who handle that issues.I mailed 2 letter to the collections agency never answer or mail any proof of the contract.
Consumer complaint received 2020-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

As per Navient and Exhibit Smoking Gun 1, I partially paid ahead for XXXX. 

My typical IBR payment is {$320.00} but with overpayment my XXXX amount due was {$280.00}. 

As per Navient and Exhibit Smoking Gun 2, I paid {$500.00} on for the month of XXXX. Therefore, overpaying by {$210.00}. 

Since I overpaid by {$210.00} for the month of XXXX this amount should be applied to my XXXX amount due. 

Therefore, with the typical IBR payment due of {$320.00} ( Payment Due ) - {$210.00} ( Overpayment ) = {$100.00} should be due for XXXX. However, as Exhibit Smoking Gun 2 from Navient shows they show the incorrect amount due for XXXX as {$320.00}. 

Navient Must send a correct Payment Invoice for {$100.00}.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MO)

An existing CFPB complaint ( XXXX ) revealed the debt collector had transferred the account back to the original creditor. However, this company stated the account was transferred on XX/XX/XXXX back to Citi Recovery on behalf of Department Stores National Bank. 

If the account transfer is true, I have not received any communication from Citi recovery since this transfer occurred. The account is now approaching 60 days without any communication to the consumer. I have included the debt collection agency 's response ( the text of complaint XXXX below for reference. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We are in receipt of the complaint of Mr. XXXX, forwarded to our office through the portal on XX/XX/XXXX. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, Citibank , N.A . In reviewing our file, we find that on XX/XX/XXXX we received Mr. XXXX letter of XX/XX/XXXX, a copy of which he included with his complaint. As Mr. XXXX correspondence advised us of his dispute of the balance, we requested documentation from our client to validate the debt. On XX/XX/XXXX we received the documentation and forwarded a copy to Mr. XXXX for his review. This account was then recalled from our office by Citibank , N.A . on XX/XX/XXXX, and is no longer active on our system. For assistance with this account, Mr. XXXX can reach out to Citibank , N.A . at his convenience at XXXX, and they will be happy to assist him
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (OR)

On XX/XX/XXXX and XXXX, 2020 At XXXX this debt collector called and reveled personal information of the nature of the debt owed and also the original debtors information on an unidentified voicemail line. This voicemail service was not identified as belonging to me and reveled personal information that should not be shared with others, violating my rights to privacy and FDCPA. These voicemails have since been saved as evidence.
Consumer complaint received 2017-08-10
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. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2020-07-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.
Consumer complaint received 2020-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

RE : Loan Number XXXX Hi I have spoken about this matter with myloancare and XXXX XXXX   many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed. 
The issue that I only owe XXXX, XXXX, XXXX, and XXXX in which should amount to ( XXXX = {$9700.00} ) however, you system gives that I owe a {$12000.00} in which is {$3200.00} over what I owe. Such amount of {$3200.00} does not make any sense whatsoever. 
Again and Again and I repeatedly ask them to fix, it has been months and month of XXXX XXXX. Such XXXX  has effected my health, and work, and my physical shape. Also, the web site gives me an other number of {$15000.00}, this only to add to the XXXX  further more. Again I ask them to fix such as well. In addition, the web site doesnt allow me to do any payments in which also adds to the stress this string of actions taken by them. I ask to give me the equal opportunity as other to pay online, please fix all accounts ( web and their record ). 
Also, please note, it is very XXXX  to call bank, as I have faced multiple times of disconnect while waiting for a long time to speak to someone. When I speak to someone, I have to transferred to someone else where I face a disconnect. This adds to the stress Thanks XXXX XXXX
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (MN)

ISSUE WITH EXPERIAN REPORT # XXXX THERE IS A HOME ON MY REPORT THAT I HAVE NO KNOWLEDGE OF : XXXX XXXX XXXX XXXX, XXXX MN XXXX THIS COMPANY BELOW HAS SOMETHING TO DO WITH THIS PROPERTY!! XXXX Phone XXXX Mail XXXX, XXXX XXXX XXXX XXXX XXXX, WA, XXXX MY NAME IS XXXX XXXX ( XXXX ) I DIVORCED : XXXX XXXX IN XXXX - HE ALSO GOES BY : XXXX, MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX MN XXXX MY SOCIAL SECURITY # XXXX DATE OF BIRTH XX/XX/XXXX my email is my only contact : XXXX MINNESOTA STATE ID # XXXX MINNESOTA DRIVER LICENSE # XXXX and XXXX this home is on my credit report, can u tell me who sold this property and who bought it. 

no knowledge of these inquiries XXXX XXXX via XXXX XXXX IN XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IA XXXX Phone ( XXXX ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (IL)

A card needed to be delivered to the address at XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2023. I made multiple attempts to speak with a supervisor over XXXX days, but unfortunately, I did not receive a response. I made subsequent calls with the same outcome, and these interactions have been documented. In light of this, I reported the issue to CFPB. BMO proceeded to close the account and marked it as late. Despite this, I have yet to receive a call back from BMO 's credit card service. Additionally, BMO has opened and closed the account multiple times, resulting in several changes to the balance. I have attached pictures for reference. I reached out to BMO to dispute charges from a transportation company listed on my statement for {$1000.00}. The representative initially informed me that I was responsible for these charges. Consequently, I requested to speak with a supervisor. Eventually, a supervisor contacted me and expressed their apologies for the miscommunication with the representative. They promptly closed the card and assured me that another card would be sent to me. I NEVER received the NEW card!! This is fraud and a misuse of credit reporting. Under section 609 FCRA you are required to show me where the card was mailed! BMO removed the account and has it reporting to XXXX. BMO has broken FCRA Rules! I made multiple attempts to speak with a supervisor over two days, but unfortunately, I did not receive a response. I made subsequent calls with the same outcome, and these interactions have been documented. In light of this, I reported the issue to CFPB. BMO proceeded to close the account and marked it as late. Despite this, I have yet to receive a call back from BMO 's credit card service. Additionally, BMO has opened and closed the account multiple times, resulting in several changes to the balance. I have attached pictures for reference. I reached out to BMO to dispute charges from a transportation company that was listed on my statement for {$1000.00}. The representative initially informed me that I was responsible for these charges. Consequently, I requested to speak with a supervisor. Eventually, a supervisor contacted me and expressed their apologies for the miscommunication with the representative. They promptly closed the card and assured me that another card would be sent to me. I NEVER received the NEW card!! This is fraud and a misuse of credit reporting. Under section 609 FCRA you are required to show me where the card was mailed! BMO removed the account and has it reporting to XXXX. BMO has broken FCRA Rules!
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (PA)

I applied for a refinance loan on XX/XX/XXXX Since then my file was returned by the underwriters at least six times for information that should have been identified at the initial review, this caused me to fax data as follows. XX/XX/XXXX, XXXX XXXX The XXXX dates are : XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, AND, as I'm completing ths I recd a call for more information on data I know previously submitted, The XX/XX/XXXX request was for my permission to obtain a new credit report as the original had EXPIRED. Todays request for additional information on bank statements submitted in early XXXX Another problem is the failure to notify me of personnel moves. As an example : My processor was off duty from XXXX to XX/XX/XXXX without notifying me of her back-up. My loan consultant was replaced, again I was left without a person to call for status.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX Capital One Accoun XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I was constantly harassed with 20+ calls a day back in XX/XX/XXXX about how I need to attend their College until I finally got so fed up, I fell for their sales tactics and signed up for college in a degree program that I never was able to use. I was promised half my school would be paid for being a single parent, I was promised a job after graduating, neither of which ever happened. I had no idea what I was getting myself into but they were very good at selling me " the dream ''. Once I graduated I had almost {$70000.00} in federal student loans for an XXXX XXXX! When, if I wasn't harassed with numerous phone calls almost every 10 minutes everyday until I answered, a XXXX school in my town offers the exact same degree for {$7200.00}. Then when I graduated I was a single parent with low income. There was no way of making the huge monthly payment and then at the time became XXXX  for almost a year. They constantly called me and I explained my situation that there is no way I can afford any of this, I told them I am XXXX  with low to no income and they didn't care. They kept talking me into going into forbearance and not explaining to me what that meant. I remember asking numerous times what " forebearance '' meant and they would explain it buys me time with {$0.00} payments to get my life together. Never once explaining that it affects my credit, and not once ever explaining there were Income based repayment options until so much damage was done to my credit I can't have a future. They don't understand that when you aren't a professional in deal with loans, normal everyday people have no idea what they are talking about. Finally after 5 years I finally called and told them they have to do something because I will never be able to afford these payments and wanted information on forgiveness. As of XX/XX/XXXX, they finally explained this Income Based payment program and I could not believe they didn't put me in this years before. I am currently in this program now and my income is so low I make $ XXXX monthly payments. My life is not going to change, I'm almost XXXX, raising my kids, and it's not like I'm ever going to use my {$70000.00} XXXX XXXX to get some amazing job like XXXX promised me. I'm trying to take out loans to buy a family car for myself and my sons but keep getting denied because of the bad marks on my credit score from Navient not correctly explaining what programs would best help my life and my situation. I need help from someone so hopefully in the future I can have my financial life back together and provide for my children, or at least other people need to be warned about this. I wish I never answered the phone when XXXX University was harassing me with non stop calls, voicemails, and giving me sales pitch after sales pitch back in XX/XX/XXXX about how I needed to trust them and enroll in college today! It has ruined my life.