davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am trying to temporarily remove a security freeze from Experian. Experian is the only major credit bureau that does not allow free credit lock or unlock. Instead I must either pay to subscribe to their service, or use a free credit freeze which they make abundantly difficult. 

I have previously been able to unfreeze my report with Experian online, but today am unable to accomplish this, either by online or by telephone. I had all the appropriate information at the ready, but their system seems designed to frustrate and encumber, forcing one to buy their product. 

First, Experian.com tries to send you to a marketing screen to buy their product. If you get past that, it makes the credit freeze information difficult for consumers to find. After youve managed to find the appropriate screen, things get even weirder. It will attempt to frustrate you, highlighting multiple fields as invalid. The trick to avoid this particular Experian trap is to revisit each highlighted field, delete the last character typed, and then re-type. Now, when you finally have that trick mastered, it will ask for a pin. For some reason, it adds extra numbers after you type this pin, so you will have a wrong submission each time you try to submit your request. It will then tell you that you have exceeded your request limit and direct you to mail your personal information to Experian. 

Does any of this sound reasonable? This credit bureau, as a company that consumers have NO choice but to do business worth, is essentially strong-arming people into buying their product. 

I tried four times, calling two different Experian phone numbers, to get my issue resolved. Each time I was stuck in their phone system, Unable to resolve the problem or speak to an actual human before the system abruptly ended each call. 

What this company is doing is reprehensible. We as consumers, should maintain the right to place a freeze or unfreeze on our accounts without undue duress.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a XXXX pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX  HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX HAS DONE MUCH INVESTIGATIONS.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

There's two compliants I would like to submit in one. 

The first compliant is that on XX/XX/2021, or XX/XX/2021, I purchased a ticket through XXXX to see a XXXX show in XXXX, XXXX XXXX XXXX XXXX XX/XX/2021. When I arrived to the theater at XXXXXXXX XXXX EST, two XXXX  Employees, XXXX and XXXX, see images, said to me the show was cancelled. I asked them if I could go another day. They said, " No, there's no more shows for the rest of the season. See this calendar. That's it. '' I didn't believe the guys at all. I perceived they were mistreating me/discriminating against me due to someone else 's request. 
So, I left the lobby, not the premise. Logged into XXXX  wifi, and filed a FTC.gov compliant on XXXX. Reference # XXXX. Later I emailed my bank at XXXX. Then I notified XXXX discrimination department because I flew in to NY on XX/XX/2021, via XXXX, Flight XXXX, with advance " purchased '' tickets. And I was discriminated by the XXXX XXXX XXXX XXXX XXXX ) from even showing up. They cancelled the show via email and typed REFUNDED immediately on XXXX. By XXXX, my refund was in the bank ; but that's not the case here. Here, I have not received a call from XXXX or XXXX XXXX. Now, when I log into my XXXX account, the word Can't has been REMOVED. Also, someone has changed the date on my Extended Stay XXXX XXXX ledger transaction from XXXX to XXXX. Why? 
It seems my TD Bank account, # XXXX, is getting tampered by someone and duplicated so that I don't see my refund. It's my account. It's a personal checking, and I don't appreciate someone trying to take over it. 
Everything I have purchased is with my self earned income. So, I don't understand why out of the blue " someone '' wants my account with the refund of {$97.00}. Why do they want my account and refund? And why is XXXX delaying the refund? The pictures speaks for itself. I paid airfare, hotel, and a ticket, XXXX XXXX XXXX XXXX NOT to be DENIED at the entrance. AND I was DENIED the ability to watch the XXXX show. To make matters worse, these adults don't stop picking on me in the midnight hours. That's out of my control. 
In conclusion, I am NOT the one initiating this REFUND. I am the one who was lied to at the entrance; Told XXXX would be refunding the money ; and that seems to be taking forever. Therefore, I'm submitting this compliant. I don't think they have any inclinations in ensuring I receive my refund. Nor have they type Refund anywhere. So, can you please have TD bank fix my account. It's mine, XXXX XXXX XXXX ; not XXXX 's, XXXX, or XXXX. Nor do I have to " share '' my ledger and activity with those people. 
Again, please have the online account fixed. 

Please close all duplicated accounts and ensure I receive my refund of {$97.00}. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My mortgage loan was assigned to Ocwen XX/XX/XXXX and monthly payments have been scheduled to be deducted directly from my bank. This has worked until the XX/XX/XXXX payment which I authorized to be deducted XX/XX/XXXX failed to process. On XX/XX/XXXX I contacted Ocwen to determine what happened and the C/S agent claimed my bank XXXX XXXX had rejected the the draft because incorrect data. No changes have been made on my part to the drafting process that has worked for the past two plus years and my account has substantial funds available. In fact, I have been paying additional principal each month. C/S suggested I go on the Ocwen website to reschedule the payment. Made XXXX unsuccessful attempts after which I called C/S again to advise that the website was locked up. Spoke to representative in Ocwen escalation dept to review issue and was advised they would investigate and advise. Notified him that I would send a check priority mail to ensure there would not be a delinquency on this payment. Also advised him that a {$25.00} charge was added to the amount due and must be removed as invalid. I requested the escalation manager provide me with a written explanation of what took place and when the issue would be resolved. On XX/XX/XXXX I received a statement showing my payment received XX/XX/XXXX and indicating the entire payment was applied to the principal balance even though no payment was debited from my bank and listing the next payment on XX/XX/XXXX as double the normal payment. This makes no sense since my payment sent priority mail had not been received at the time this statement was generated.. In the meantime, I have been playing phone tag with the escalation manager. The integrity of Ocwen 's data is seriously questionable and I wonder why XXXX would continue to use them to service loans.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital Capital System ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX Investigative Team advised this would be removed after I have disputed this account online several times. Jefferson Capital has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (OH)

I was harrassed by lexington law for months and after finally accepting there service, they didnt file one single dispute at all after 3 months of payments and other various fees ... wishing i could get my money back and get information about a company that actually helps with credit repair ... is there one out there?
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

Due to American Express ( Amex ) not properly crediting my account for a disputed balance totaling {$66.00} after repeated written request with supporting documentation that the disputed balance of {$66.00} should be credit in full I cancelled my Amex account # XXXX in writing on XXXX/XXXX/2015. 

Prior to the XXXX/XXXX/2015 account cancellation I wrote Amex on XXXX/XXXX/2015 and requested that they transfer all my past and future " Membership Rewards Points '' to my existing XXXX XXXX Amex account # XXXX This is fully allowed in the Amex MR Terms and Conditions under the section titled " Forfeiting and Getting Points Back / XXXX. For Canceling Your Account ''. The problem is Amex will not honor these terms and I have not received my earned points or a check for these earned point.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015.
Consumer complaint received 2015-10-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Navient has been unresponsive after I 've asked to speak with several managers. I have called them consistently since summertime as my automatic payments were not being taken out. They say it came back as NSF, but my bank says it was never billed. Then Navient admitted to having IT issues. Late fees, interest, you name it. After calling to resolve many times, they offered me payment options and promised to repair my credit damage of their reporting me. After making each payment, they would change the terms and tell me I had to pay additional money or pay this or that, and then they would rescind the negative info. I finally scraped up the money and paid what it said I was past due on after their lies - and the online account still shows I owe money as of XX/XX/XXXX and its XX/XX/XXXX - so my payment made on XX/XX/XXXX obviously did n't post although it was taken from my bank account. I called again today and requested that a manager call me back - nothing yet. Supposedly they record all calls - well, someone should listen to all the lies they 've been telling me over the months and changing the agreements. It is unethical and immoral. They are ruining students lives! Check the recordings and the call logs - I 'm the one who calls them! And if they ever seldom call me, they NEVER leave a voicemail but the recordings will prove they LIE and say they did leave a voicemails, and I dispute that and tell them they are lying directly. Listen to the recordings!
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

I closed my account with Home Depot and made arrangements with home depot to have my monthly payments automatically deducted from my personal bank account. I recently applied for a mortgage and discovered that Home Depot was reporting to the credit bureaus that I have been late every month since XXXX XXXX 8 months straight ). I contacted Home Depot to explain the situation and all they could do was apologize over and over again. I was told that someone should have told me that the past due amount would still be delinquent until the monthly payments pay it off. I informed them that I was not made aware of that at the time of entering the payment arrangement. I asked them to write a letter so that I could send to the Credit Bureau but once again they only offered a verbal apology and said that they could not type a letter. I need this incorrect reporting removed from my credit report so that I can qualify for my mortgage.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

My husband and I refinanced our mortgage in XX/XX/XXXX with a broker named XXXX XXXX XXXX of XXXX, FL. The Mortgage ( attached ) was dated XXXX XXXX, XXXX, was assigned by Assignment of Mortgage on the same date to Option One Mortgage Corporation. Both of these instruments are recorded in the Public Records of XXXX County, FL. We built this home in XXXX on land we owned free and clear, and moved in XXXX of XXXX. We learned through a succession of loan services for our mortgage ( Option One, American Home Mortgage, Homeward Residential, and now currently Ocwen Home Mortgage ) that our mortgage refinance from XX/XX/XXXX was placed in a mortgaged-back trust. We have a HAMP modification and are not in default, nor have we ever been in default or had foreclosure proceedings brought against us. My husband and I are planning to pass our home to our daughter when we pass away, and based on information we have learned from the mortgage crisis, our title is probably clouded. We want to know who owns our mortgage ; what entity will issue the Satisfaction of Mortgage when we pay it off? Clearly, many homeowners had to deal with fraudulent assignments " after the fact '' because the trusts had to show ownership for them to foreclose. Since Option One went out of business shortly after our mortgage was executed ( and the successor company no longer dealt in mortgages ) ... but our mortgage trail has no assignment ( s ) to the real estate security trust ... and creating assignments at this point to recreate that train of title would be fraudulent ( because the pooling and service agreement for the trust stated that the assignment to the trust had to be accomplished years ago before the trust closed ) ... how in the world is legal title going to be accomplished when the mortgage is satisfied and we own the house? We need to know what to do to establish clear title and guard ourselves against Ocwen Home Mortgage ( a known violator of fraudulent assignments and " robosigning '' ) from creating any fake documents.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

I moved from XXXX to XXXX XX/XX/2016. And I did not move in to the new house until XX/XX/XXXX because attorney had to straighten up titles of our new house. I was late paying Chase credit card for XXXX because I never received printed statement. I have expressed to have both On-Line-Statement and Printed statement before, but I have never said that I wanted On-Line-Statement only. I called Chase XX/XX/XXXX and paid my due and they removed {$37.00} late fee. 
I made sure that they had my new address and asked them to mail me printed statement. That was XX/XX/XXXX, so they had a time to send me a printed statement so that I do n't forget send my check to them on time. But I never received printed statement for the XXXX payment. So I was late for XXXX payment. Chase added {$37.00} late fee and they refused to take it off. I told them I was late because they did not send me the printed statement which I asked them XX/XX/XXXX. But they insist that they can not take {$37.00} off. Now they are saying that they sent me a statement but the mail must have been lost. I have difficult time to believe that.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to XXXX, XXXX, and Experian, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case.

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

I was defrauded a laptop and {$600.00} money transfer through XXXX XXXX  by Zelle today on XX/XX/2020 through online selling ( I am the selling my laptop ). I did transfer money first through another cash app, which stopped the transaction ( Probably through its fraud report database ), so the scammer asked me to transfer money through Zelle ( I guess it is where scammer know can certainly get away with ). I did send the money through XXXX   XXXX  by Zelle, and after I realized it is a fraud, which was ONLY 20 minutes later since the scammer keep asking me to send money. I contacted XXXX first, and XXXX customer service said they can not do anything, it is the Zelle 's policy, and I should contact Zelle ( It  seems that XXXX is no responsible for XXXX XXXX ), and XXXX is even not trying to help me contact the receiving bank or report the scammer 's account to the receiving bank. Ironically, the same response happened when I contacted Zelle, Zelle said they can not do anything again, and I should contact the bank XXXX. I was a loyal customer with XXXX XXXX  by Zelle, so I can be both. However, it seems that both of them did a TERRIBLE job in dealing with the fraud and how to better protect consumers or at least how to formalize the process. They did terrible job on protecting customers, second they did not have the good fraud data system to protect consumers. They should at least give customer a one hour or 3 hour protection time etc.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings (CA)

An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (CA)

I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have XXXX  days with XXXX  transactions before my account can be closed. 

XXXX  days have elapsed since my last contact with them and I am still unable to close the account. Reference previous complaint from XX/XX/2022. I continue to get monthly statements although my account is XXXX and I am unable to log in.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I was contacted by what I thought was a remote job from XXXX. They claimed to be XXXXXXXX XXXX  and used the name XXXX XXXX. They sent me a check in the mail from XXXX XXXX XXXX XXXX to be used to purchase work materials for the amount of {$4900.00}. Upon depositing the check into my Wells Fargo account on XX/XX/2023 they began asking to send the money to different places and the check was found to be fraudulent and now my account is negative that amount and I do not have the money to pay this back. This was a scam and I should not have to pay this.