davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example XXXX  gives you a XXXX Score XXXX, but lenders use XXXX score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my XXXX  score for the mortgages and auto is much lower than what the XXXX  score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how XXXX determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Mr. Cooper is playing with my account again! I have had this problem with them every since their previous name was NationStar Mortgage. I never had this issue in 15 years before they took over my mortgage! My increased expenses paid out of escrow is only {$83.00} per year and Mr. Cooper is increasing my payments for escrow by {$1000.00} per year. 

Currently escrow has {$1000.00} in the escrow account but we will have 5 more escrow payments of {$220.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- summing up the total of current escrow payments ) totaling {$1100.00} giving us a total in escrow of {$2100.00} at the time insurance a 1/2 year taxes are due. 
{$2200.00} will be due for taxes and insurance in XX/XX/XXXX and XX/XX/XXXX so we will have a shortfall of {$39.00}. 

The next payment due will be in XX/XX/XXXX for another half year of property taxes which will be {$900.00} but with no change to our current escrow amount due monthly we will have {$1300.00} at that time, a positive amount of {$460.00}. 

Mr. Cooper is attempting to increase my escrow amount by {$90.00} which is way too much. At this rate they would be charging {$3800.00} for escrow when taxes AND insurance only total {$3100.00}. 
* There was no increase for insurance ** Property tax only increase {$83.00} PER YEAR! 

This is a constant game they have been playing with me so rather than spending hours on the phone again I am going straight to you because they don't listen to me when I deal directly with them.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I made a deposit on XX/XX/20 in the amount of XXXX. I was told the XXXX portion on the amount for XXXX wld be available on XX/XX/20 and the remainder XXXX on XX/XX/20. After submitting a bad review of the poor customer service I experienced during my visit to a specific branch, my account was put on a freeze and I could not use/access funds via my debit card and the available direct deposit from my employer. The put a branch hold on my account for no substantive reason. I believe I was profiled because of my race/ethnicity and retaliated against for giving the teller, who was the branch manager who placed the hold on my account, a bad rating. The bank has provided no justification for further delays in releasing my funds or why my payroll check was initially withheld and my debit card restricted.
Consumer complaint received 2024-06-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NE)

I was not sent this information and I have asked for it over and over and when I called in and asked for address PayPal sent it to me for the 1st time it left me no time to return the item when I was told I can not get any more time and my case will close when in logged back in one day I saw the case was open til XX/XX/2024 to get the item sent back with tracking number and I did that and I called in and took a picture of return label the girl who took my information told me I will get my money back this time and PayPal had til the XXXX XXXX  to get me back refund and tonight I looked back on PayPal site on the XXXX of XX/XX/2024 PayPal closed my case telling me the tracking number was wrong which is a darn lie. The case was to close on XXXX XX/XX/2024, the tracking information was correct PayPal is lying and I am demanding my money back and I also want the return of my money I spent sending back the defective lens the total amount due to {$90.00} and {$18.00} return fee the total amount I am demanding is {$110.00} pay pal is lying they have wrong tracking number if they do it is because they put it in wrong. Here is a copy of my proof. IAM DEMADING ALL, MY MOMEY BACK NOW,,
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX I deposited 2 checks into my Chase checking account. One check was in the amount of {$6700.00} and the other was in the amount of {$4900.00}. Since then, my account has been locked/restricted due to Chase 's verification system. I've worked tirelessly to accomidate Chase by providing them phone numbers they can reach out to in order to verify the checks. Each time they tell me the numbers can not be verified, therefore my funds remain locked. As of today XX/XX/XXXX I find out that my account was marked for fraud and is set to be closed. All funds that were populated ( however locked ) have been cleaned out from my account and I have a {$0.00} balance. They told me there's nothing they can do since they couldn't verify issuance of the checks. I've talked to Chase representatives multiple times in the near 2 weeks since the checks were deposited, and not once was I informed that failure to verify issuance of the checks in a certain time frame would result in closure of my account with no warning from Chase. I opened my Chase app to see a {$0.00} balance and had to call them myself to find out my checking account had been marked for closure due to fraud.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (KY)

I was contacted on XX/XX/2022 by XXXX a third party collector for Plaza Services. Plaza services is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify Plaza who will then notify XXXX to update the tradeline as paid. Due to this agreement that XXXX was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay Plaza they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX used incorrect collection practices and they need to rectify this issue.
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Linebarger Goggan Blair & Sampson, LLP, Attorneys ( LGBS ) has acted improperly by seeking to collect penalties and derivative sums on a toll charge of {$4.00} that was paid in full using XXXX XXXX, as follows : o False and Misleading Representations LGBS has violated 15 U.S.C. 1692e ( 2 ) ( A ) by misrepresenting the amount of any debt that Delaware DOT has demanded, by nearly XXXX percent. Appendix* pp. 1-2. 

o Unfair Practices LGBS has violated 15 U.S.C. 1692f ( 8 ) by mailing its notice in an envelope which contains a return address bearing the name of its company, a law firm ( Appendix p. 5 ).

o Validation of Debt LLGBS has violated 15 U.S.C. 1692g ( a ) ( 4 ) & ( 5 ) by failing to provide a right of validation.

o False and Misleading Representations LGBS has violated 15 U.S.C. 1692e ( 2 ) ( A ) by stating that stating that no response was furnished to an earlier demand, when in fact the Complainant did respond, with attachments ( pp. 3-4 ). 

_____________________________ *Please see the attached appendix which consists of 5 pages.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TN)

Deposited my mothers XXXX check for {$4500.00} on XX/XX/XXXX the bank deposited it then several hours later decided to close the account and are now holsinging those funds. I have a durable power of attorney for my mothers financial transactions, I did mail that to bbva. Its been almost 2 months now and we are getting nowhere! XXXX XXXX XXXX is XXXX XXXX XXXX, bbva wants a hold harmless form from XXXX or XXXX XXXX XXXX, XXXX has been on 3 way calls with me and bbva and told bbva they do not do hold harmless forms and never have, XXXX XXXX XXXX said to have bbva ask for the hold harmless form from them XXXX XXXX XXXX and they will get it taken care of, but bbva still has not requested that form to get this taken care of. XXXX XXXX said if bbva wasnt going to release those funds they should have never taken and deposited the check in the first place! If this were an individual you would have been arrested for fraud for stealing for holding that money for so long.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (NY)

In XXXXXXXX XXXX  I was a victim of identity theft. Fraudulent charges were made in my name and unauthorized charges were made to my bank account. The credit card company did not refund the money, but my bank managed to get my money back. The credit card Fortiva now wants to make my account charge off, but there are fraudulent charges. They are not mine. What can I do now? I requested a statement, but my account was switched on line and I can not even log in. Please help asap.
Consumer complaint received 2021-08-19
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: Upgrade, Inc. (NV)

hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I received a phone call from someone stating that there was a suspicious charge on my Amazon account.They said that someone had charged a new XXXX  to my account in the amount of {$1400.00}. I checked with Amazon and no charge had been made. When I asked the individual on the phone if this was really Amazon they hung up. 
The call was from XXXX XXXX XXXX XXXX. My phone stated it was from XXXX, California.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

I looked at my credit report in XX/XX/2017 and saw a collection from Convergent that was negatively impacting my credit. I was not certain if this account belonged to me. I sent a letter to Convergent on XX/XX/17 asking them to verify if this account did indeed belong to me. Convergent responded shortly after with an attachment from XXXX in which the debt was for. However, the amount in the attachment convergent sent me was less than what convergent is reporting to the credit bureaus that I owe. I believe this to be a violation.
Consumer complaint received 2022-01-12
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: Fidelity National Information Services, Inc. (FNIS) (TX)

ChexSystems has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for XXXX ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. ChexSystems has wrongly claimed to have verified the information leaving me with no available remedies
Consumer complaint received 2022-01-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX  ) XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian is willfully and knowingly reporting fraud because I supplied Experian proof of FTC reports and notarized identity theft affidavit. All negative remarks found on my credit report are a violation of the FCRA and FDCPA when they can not furnish the validity of the remark. 
I recently received my Experian dispute results. The accounts that I requested to be removed due to identity theft were in fact NOT removed. At this time, I have no choice but to invoice Experian for violations and damages. I sent a certified letter with all of the necessary documentation included. I provided a notarized Identity Theft Affidavit, my official reports to the Federal Trade Commission and proper proof of my identification. In another certified letter ( Tracking # XXXX ) I also sent subsections of the FCRA ( Fair Credit Reporting Act ) Experian is in violation of! 
Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence. 
Per pursuant identity theft within 4 days these accounts should have been blocked and deleted from my consumer report per federal law. My certified letter ( tracking # XXXX ) was delivered on XX/XX/2023 at XXXX. However, it is now XX/XX/2023 and the accounts have not been removed.

This is a direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance.

You are in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} XXXX violation per occurrence. Listed below are the violations I am invoicing for : XXXX ( a ) ( d ) ( XXXX ) ( A ) ( i ) - {$1000.00} XXXX XXXX Code XXXX - {$1000.00} XXXX ( a ) ( b ) - {$1000.00} XXXX ( a ) ( XXXX ) - {$1000.00} XXXX ( b ) - {$1000.00} XXXX ( XXXX ) - {$1000.00} Listed below are the damages I am invoicing for : Experians assumption has negatively affected my life in many ways. 
I have experienced a deep amount of XXXX XXXX  and emotional suffering. 
I have been unable to access credit, which is my XXXX given inalienable right. - {$6200.00} TOTAL AMOUNT DUE FOR ALL VIOLATIONS AND DAMAGES : {$12000.00} Please BLOCK AND PERMANENTLY REMOVE ALL ACCOUNTS THAT I SENT WITH MY NOTORIZED IDENTITY THEFT AFFIDAVIT!
Consumer complaint received 2023-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Assured Financial LLC (OK)

Complaint In XXXX XXXX  XXXX I had XXXX  XXXX. Several months later, in XXXX I received a bill from XXXX XXXX XXXX for {$950.00}. The bill did not indicate what this was for so I tried multiple times to contact them by phone to get more information. I left several messages, asked each time for a return call but never heard from anyone at XXXX. I threw the bill away and forgot about it. Several months later, I received another bill from XXXX. I tried to call them multiple times again, leaving multiple messages with my final message saying something to the effect that it was a rather large sum of money and that I didn't feel comfortable paying until I fully understood what I was paying for and that I hoped to hear from them to resolve the matter. On XX/XX/XXXX, I received notice from Assured XXXX, LLC that they would attempt collection of {$950.00} on behalf of XXXX XXXX XXXX. I tried to call XXXX XXXX XXXX via two different numbers obtained from the internet ( XXXX and XXXX ), both of which are no longer in use. I then called Assured XXXX, LLC at the number listed on the bill ( XXXX ) and spoke with a woman. I explained to her my situation and in the process of asking her to have the company contact me, she began talking over me by repeating " ma'am '' loudly and after several minutes of this she hung up on me. After this interaction, I contacted the XXXX XXXX XXXX XXXX and spoke with XXXX XXXX. As a result of that conversation I filed a complaint with the XXXX, filed a complaint with the state Attorney General 's office, filed a complaint with the FTC and have contacted the credit report agencies as well.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I reached out to this company on XX/XX/2021 about the inaccuracies on my credit report. By XX/XX/2021 all of said inaccuracies were deleted. I am reporting this complaint because it took years for them to finally respond accordingly. Because of their negligence, my life has been harder than it needs to be. I have to work 12 hour shifts to save up money for a large down payment on a vehicle because most banks dont want to work with me.This company has furnished a BAD credit report on me without my consent/written directions and them recently deleting those things from my account is proof that they admitted to violating my rights
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

My IRS direct deposit was send to the wrong account in error ; Chase IL routing number and a non-recognized checking account number on XX/XX/23. Despite Chase 's policy of returning funds within 2 days, they have kept the funds to present date ( XX/XX/23 ). On Friday ( XX/XX/23 ) I was advised that the funds were being held to a Credit Card account and that they were unable ( DEP and CC ) to return my funds so alternatively they would transfer the funds if I opened a checking account. I did so while on the phone and afterwards was advised that they could not transfer the funds to me. Despite these deceptive banking practices, they maintained my funds and routed me to their XXXX XXXX Department on the Deposits side. That representative notes he's unable to locate or return the funds and that I should instead call the Credit area. I have collectively spend XXXX hours on the phone with Chase trying to get resolution for why they have XXXX ) held my IRS XXXX deposit funds and XXXX ) their deceptive banking practices to have me open a checking account that they did not transfer my deposits into. 

This has been constant aggravation and gross negligence of Chase. I need my funds to be returned to me right away before they cause further financial hardship on me.
Consumer complaint received 2021-05-23
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. (IN)

I have written a letter and asked Transunion and XXXX  multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.