davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Foursight Holding LLC (GA)

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to Foursight Capital. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure Foursight got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Consumer complaint received 2016-03-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I bought furniture at rooms to go who have Synchrony Bank handling the financing, after a return and exchange because defect my bills started to oscillate every other Month, I have tried to talk to the bank but was never resolved. They charged me fees because the full amount was n't send even though they did n't have the same amount, I believe they are not charging the right amount since my loan does n't have interest until 2019 but I already paid {$1500.00} and balance still {$2000.00}.
Consumer complaint received 2021-04-07
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. (RI)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-05-20
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. (FL)

I have been contacting Experian since 2018. Their website/portal inaccurately states that I have a late/derogatory payment. All of my accounts have always been current. When you expand the payment section on their site, it states that there are no late payments. My credit report supports the fact that I have no derogatory information on any of my reports. I spoke to the tech team who advised it is a technical glitch but it shouldn't affect anything. When I pull my FICO score through XXXX XXXX, it shows a lower score due to a serious delinquency being reported by Experian. No delinquency can be located because it doesn't exist. I have opened numerous tickets with Experian and they go unresolved or I never hear back. They even stated I never received a resolution due to the fact that I have a free membership. They provided me a free membership due to the fact that they were breached! 

It has affected credit decisions. I need them to fix the technical issue and remedy the situation. I have enclosed screenshots of the site, old reports, current reports. Please have them provide updated copies which will prove they're reporting inaccurately.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC (IL)

In XXXX 2015 I was shopping for my XXXX mortgage. I was negotiating with several lenders. XXXX XXXX, then with Prospect Mortgage, matched an offer from another lender - 20 % down and 3.125 % rate. 

When I started reviewing the initial paperwork, the numbers looked incorrect. I mentioned to XXXX that I did n't expect to have to bring as much cash to close as the paperwork suggested. XXXX reiterated over and over that lenders are required to overestimate, that the actual amount at closing was going to be significantly less. 

I continued to express concern with the numbers, but she was incessant that I sign - I would see later, she said, that the amounts went down. Being a first time mortgage client, I ultimately gave in and signed. 

I later discovered that XXXX was quoting me numbers with 25 % down rather than 20 %. By this point, I had no choice but to stick with this lender ( otherwise I would have lost the contract on the property ). In order to receive a loan with only 20 % down, I was forced into a loan with a higher rate.
Consumer complaint received 2022-01-19
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX
Consumer complaint received 2016-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (NY)

Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. 
Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services
Consumer complaint received 2023-08-08
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. (NJ)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$5000.00}.
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

1. XXXX  did not show me the sticker price on the car. XXXX  picked out a car and said, this is the only car we have for you to finance. 
2. On XX/XX/2018, XXXX only gave me {$100.00} credit for my car. At that time my car was worth {$350.00}. On XX/XX/2018, XXXX gave me the Kelly Blue Book Price piece of paper ( attached in my complaint ) of {$6600.00}. 
3. XXXX  took my {$1500.00} down payment and {$100.00} for my car {$1600.00} down payment.

4. XXXX  overcharged me {$1300.00} for car. XXXX  inflated the cost of my car {$1300.00} and stole my money.

5. XXXX  overcharged for extended warranty. XXXX  charged me {$1700.00}. Those warranties are about {$350.00} a year. XXXX  overcharged me {$1000.00}.

6. Letter from Credit Acceptance response to Consumer Financial Protection Bureau complaint says " As an initial matter, Credit Acceptance is an indirect financing company and DID NOT RECEIVE YOUR DOWN PAYMENT ''. This is my {$1600.00}!.

7.XXXX  charged me 22.99 % interest on loan from Credit Acceptance. Usury.

8. My credit was not that bad.

9. XXXX  refused to show me my credit score.

10. XXXX  refused to give me a copy of the repairs- XXXX  did before I bought the car.

11. XXXX   refuses to correct all these scams they did against me.

12. XXXX took advantage of me big time.

13. I was robbed by XXXX.

14. XXXX  defrauded me. Consumer Fraud against me the consumer.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I refinanced my home XX/XX/2021 using XXXX XXXX XXXX. The property taxes were paid from the closing to XXXX XXXX XXXX ( Texas ). 

My previous lender, PNC Mortgage, also paid the property taxes from my escrow account through a third party XXXX in XXXX, Texas. 

XXXX XXXX https : XXXX recorded the payment from XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX, they indicate they send the payment back to XXXX who would return to PNC escrow to return to me. I have been in contact with all three companies by telephone, email, and online multiple times to identify their process and recover the overpayment in property taxes of approximately {$8200.00}. To date, PNC Mortgage still tells me to wait- they havent received the funds. I have asked each of these companies make notes of my call and the situation. 

I would appreciate review of processes of the companies and tax office in this complaint to assist in recovery of my overpaid taxes. 

Thank you
Consumer complaint received 2022-07-19
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. (FL)

Account Name : XXXX XXXX XXXX Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX XXXX  Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help
Consumer complaint received 2022-01-19
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Paypal charged me transaction fee. In XXXX separate transactions today ( Wednesday, XX/XX/2022 ), one for {$20.00} and another for {$120.00}, there are fees charged. but in the PayPal website, the fee is waived if sent from bank account and that's what I did. Apparently I received the fees because I had selected the transaction as a Goods and Services. This is a new feature. Awhile back, there was no Goods and Services. The main problem is the website used Goods and Services selection as the default and there's no clear instruction to the consumer that they need to change it to Send as a Friend in order to not get charged with a fee. I shouldn't have been charged with the fees because the transactions went to a XXXX XXXX and from a XXXX XXXX not to and from another country. Per the website, fee is waived for a bank to bank transaction within the US. The website user interface is clearly using the default in order to intentionally charge consumers ( the user ) a transaction fee. This is not user-friendly for consumers. The website should default to None and mark the box as red in order for the consumer to be reminded to select the proper transaction type like Send to a Friend, especially if the user is trying to avoid paying any fees, before the user can continue with the transaction ( XXXX ). PayPal rep on the phone also said she was going to email me in order to get a refund for the fees. I have never received her email, so that's not a good customer service.
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical-Dental-Hospital Bureau of San Antonio (MD)

I have a child who was covered under his father with XXXX. Because he was considered XXXX the state of tx stepped in and gave his secondary insurance through medicaid. Which covered ALL unpaid expenses XXXX did n't cover. Over the course of about 2 years the Dr 's and hospitals my son was seen at neglected to file with BOTH insurance companies after I repeatedly told them to do so. I provided the information needed and the insurance cards as well. A couple years later, I have now had XXXX collection accounts show up on my credit report. Some for as little as {$30.00} simply because they did file with XXXX but not with the medicaid. XXXX will not pay after 90 days so these companies sent the bill to his father who covers him under XXXX. I never got ANY bill. Yet, all of a sudden I have all these collections. I have disputed and tried to get these companies to understand that he was covered and should have filed with the ins but they say it is not MY responsibility. I feel the debt is not mine because I made sure to give them the information necessary to get paid. The child was fully covered for 100 % of his bills, and simply because they were too lazy to file they want me to pay all of these. How is that fair? These accounts are the ONLY negative accounts on my credit report, and since they broke them up into {$30.00}, {$39.00}, {$43.00}, etc I have XXXX collections accounts. This ruins my credit and my chances at getting good rates with any financing for cars, houses, etc. This needs to be fixed and changed. It't not right that they can pull this and it should be illegal.
Consumer complaint received 2023-08-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-08
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-07-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (TX)

Im purchasing a home from XXXX XXXX and was given a stipulation of a 30 days before closing ( XX/XX/2022 ) notice required to use my own outside lending company as opposed to Lennar Mortgage. I notified the sales rep XXXX on XX/XX/2022 that I chose to use my own lender. The request was not honored, instead he requested the estimate from the outside lender for an opportunity to compete. In the process of this financing competition XXXX resigned from the company as well. XXXX XXXX then took over his sales files. I notified XXXX of my decision to proceed with my own lender. It took XXXX and XXXX a considerable amount to get my contract changed over to show XXXX XXXX as the mortgagee. After numerous phones calls, and forwarding of emails to prove I gave notice within the allowed amount of time, XXXX finally updated the contract correctly. At this time I notified XXXX XXXX XXXX XXXX loan processor ) and XXXX XXXX that it was hoped to move forward with my chosen lender being XXXX XXXX as the process has been tiring and I am ready to finish and finalize the deal. Two days I get a revised estimate from XXXX matching the competitors loan estimate. I reviewed the estimate and asked XXXX some questions regarding fees, down payment and lender credits of which he offered me no clarification. I never requested they provide a new estimate nor that my contract be changed. Now, they are negligent in providing required documents for XXXX XXXX to fully process my loan in time for closing. I feel they are trying to force me to use in house financing which I have properly declined and now they are basically not responding to any request from me or the other lender. I am afraid that this will cause them to forfeit my contract and take my deposit and am afraid of losing my deposit and starting this process all over.
Consumer complaint received 2015-05-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

After approx. XXXX ( XXXX ) total Total and Permanent Cancellation, Deferment, Economic Hardship Requests in addition to Loan Discharge Applications in addition to appeals to my congressman, referrals to XXXX and supporting documenation from physicians plus XXXX ( XXXX ) changes in servicing entities, my medical condition has been ignored until the loan, originally made for attendance online at XXXX XXXX University, XXXX, XXXX for {$6000.00} now stands at {$8900.00}. During that time the interest rates that have been applied have continued to change from 11.25 % to 7.25 % to the current 5 % with an outstanding principle of {$10000.00}. I had XXXX, XXXX, XXXX and most recently, a XXXX while doing my best to finish my degree at XXXX XXXX and then proceed to be certified in XXXX from XXXX University thanks to the good graces of the XXXX and XXXX XXXX of the State of XXXX. This I accomplished with excellent grades while attempting to make headway on repayment of my loans at the XXXX XXXX. I turned XXXX years if age XXXX 2014. On advice of numerous help agencies and after contacting my loans ' latest servicing entity, I contacted legal counsel and was advised of my right to seek redress through the courts. I made contact with the Financial Aids Office at XXXX XXXX and was referred to cfpb citing the feeling that legal redress might not be necessary. It is with this hope in mind that I hereby wish to file a complaint and offer reams of paperwork that has been submitted, resubmitted and repeatedly ignored in mine and my physicians ' substantiation of my XXXX claims. I currently receive {$1000.00} per month from XXXX and find continued repayment of this debt an extreme hardship.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from XXXX or XXXX. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must " request my XXXX credit report via postal services. ''
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

From XX/XX/XXXX to XX/XX/XXXX and have no access to paypal or accou ts attached but can give other unique identification but they refuse as well as admission that fraud may have occurred
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 at between XXXX hours my wallet with credit card, ID and phone were stolen from my vehicle. ( A police report was filed ). My thieves utilized my cards by accessing my information mostly through telephone transactions. They transferred money from my savings account into my checking account so they could access the money and withdraw money. A total of approximately {$9000.00} was spent and withdrawn from my account by the thieves ( who had no consent from me ). I made a claim with Wells Fargo and attempted to get the surveillance footage from the ATM and the voice recording from the telephone transactions however they told me I needed a court warrant to review them. The fraud department closed my case out after they concluded that I must have provided the thieves with consent or my bank information so they could access my account which is not true. Wells Fargo notified me there is no way to appeal this nor is there anyway they will review video or voice recording for my case to prove I was victimized. Please help!
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MI)

I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.