davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Paid off my car a XXXX XXXX  XXXX cant seem to get my title from a body need help bought car at XXXXXXXX XXXX XXXX financed my car at fifth third bank if you could get back to me ASAP that would be great. Thank you very much XXXX XXXX
Consumer complaint received 2019-03-08
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: Chicago Car Center, Inc. (IL)

Finance an car with Chicago Car center on XXXX pay it off fully on XX/XX/XXXX It show on my credit report open account I ask to be close and the account was deleted from my credit report I call the finance and told me it was too old the account to be able to do something about it
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (KY)

About XXXX months ago, I logged into my PayPal account to find it permanently closed down by the company. They said I somehow violated their policies. I tried calling their customer service line but never was able to reach an actual person. I finally contacted them through the website, but did not receive a response for a long time. When I did finally receive a response, I was told they reserve the right to close any account at any time and do not need to tell me what policies I violated. And that decision is final. I have screenshots of this message.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

This bill was from XXXX & XXXX  from years ago. I have rectify this bull on multiple occasion with XXXX XXXX XXXX where I called them and explained and spoke to them about how the debt is resolved through my trade in. 
This has already been attempted to be collected from a previous company and failed to do so because the debt isnt owed to them. I have resolved this and XXXX XXXX XXXX  acknowledges the debt as not being owed by me as they have already forfeited on claiming that I owe it. Now due to the previous company not being able to resolve it and has now sold the debt to possibly a new company which is ruining my credit from a paid and already resolved issue.
Consumer complaint received 2024-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

To whom it may concern ; My name is XXXX, XXXX ; I a widow with XXXX XXXX  children, whom the XXXX XXXX old is XXXX XXXX Im also a victim of identity theft which my personal information were fraudulently use to obtain good/services ; as a result of this companys financial breach. 

I am writing this letter to bring to your attention the concerning and frustrating experiences, I have had with my mortgage servicer Loan Care. I believe that the practices of this company are not only unethical but also potentially in violation of consumer protection laws. 

I have been a customer of Loan Care for almost XXXX years, and during this time, I have encountered numerous issues that have caused me significant stress and financial hardship. Some of the key issues include : 1. Identity Theft, Inaccurate/ Excessive fees : I have consistently been charged fees that do not seem justified or have been applied in error, leading to financial strain. 

2. Poor communication and customer service : I have encountered difficulties in reaching a knowledgeable and helpful representative when trying to resolve issues or seek information about my mortgage account. 

3. Mishandling of payments : On multiple occasions, I have experienced errors in the processing of my mortgage payments, leading to confusion and potential damage to my credit score. 

4. Lack of transparency : I have found it challenging to obtain clear and accurate information about my mortgage account, including the breakdown of fees and charges. 

These issues have caused severe financial, emotional and social hardship to my household ; which significantly impacted my ability to manage my finances and maintain confidence in the mortgage servicing process. 

I have made multiple attempts to address these concerns directly with Loan Care Customer service via email/ phone, but I have not seen any meaningful improvements in their practices ; instead my account is now in delinquent status subject to foreclosure. 



I am reaching out to your office in the hope that you can investigate these matters and ensure that Loan care complies with all relevant consumer protection laws and regulations. I believe that the practices of this company may be in violation of [ specific laws or regulations if known ], and I urge you to take action to protect the rights of consumers like myself. 

I would be grateful for any assistance or guidance you can provide in addressing this matter. I am willing to provide any additional information or documentation that may be helpful in your investigation. Thank you for your attention to this important issue. I look forward to a swift and thorough resolution to these concerns. 


Sincerely,
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AL)

I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.
Consumer complaint received 2023-03-30
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

We had a false charge on my a/c. the bank charged overdraft charges. the actualcharge was reversed.but od was not. They levied more than {$100.00} in charge andmade the a/c negative.In the negative state a {$97.00} insurance charge was honored. 
Thus the total actual charge was {$97.00} and o/d charge was more than XXXX then theyadded anathor {$70.00} and closed the a/c. we have chased them for XXXX yrs to settle the a/cbut they claim to have sold it to XXXX XXXX XXXX. BUT XXXX does nothave the a/c. so what do i do.bank is non cooperative. But they have reported me XXXX for their charges
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2016 somebody broke into my house/office and stole my checkbook and wrote several checks but XXXX were cashed by the bank, I informed the bank about it but they insist I have to pay those checks, those check do not have my signatureThe bank is chase, my account # XXXX chase phone # XXXX
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

The loan I currently have with UAS is not qualified for loan forgiveness. I am asking for loan forgiveness because the institution I took the loan out for was convicted of fraud and is no longer operating. UAS is not able to give me an exact reason as to why they are not willing to forgive my loan. Knowing that XXXX ripped off XXXX people. Why are federal loans being forgiven and not private ones?
Consumer complaint received 2019-03-08
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. (VA)

On XX/XX/2018 I disputed five enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then  sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I  sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. The five accounts in question are listed here. XXXX  XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.
Consumer complaint received 2023-03-30
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the public record below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-26
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. (CA)

Contacted both Experian and XXXX  about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

Experian and XXXX  kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least 10 agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (KY)

I RECENTLY RECEIVED A LETTER OF GARNISHMENT FROM MY EMPLOYER. I CALLED THE LAW OFFICE OF XXXX XXXX XXXX LAW FORM TO CONFIRM THIS WAS ACCURATE. 
THIS COURT NOTICE WAS ACTUALLY SENT TO THE WRONG ADDRESS AND DID NOT MAKE IT TO ME IN TIME TO SETTLE IT, SO NOW THEY ARE GARNISHING MY WAGES FOR 25 %. THIS IS RIDICULOUS. IF THE CONTACT INFORMATION WAS CORRECT INITIALLY THIS WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOT TO THIS LEVEL.
Consumer complaint received 2024-03-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

My current monthly mortgage payments are {$600.00} per month P & I. With escrow my monthly payment is {$1200.00}. The alleged past due escrow is {$2500.00}. I have asked for a full accounting breakdown and escrow analysis on many occasions, which PHH has refused to provide. PHH is also stating that the amount to reinstate is {$8600.00}, which does not calculate mathematically. The CFPB has specific terms within rule XXXX. Any Deficiency is the amount of a negative balance in an escrow account. As noted in XXXX ( f ), if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency. No escrow deficiency is allowed to be enforced until the escrow account items are fully analyzed. Escrow account item or separate item means any separate expenditure category, such as taxes or insurance, for which funds are collected in the escrow account for disbursement. An escrow account item with installment payments, such as local property taxes, remains one escrow account item regardless of multiple disbursement dates to the tax authority. PHH has set a foreclosure sale date for XXXX, so I am seeking assistance on this matter.
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)

XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 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
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
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)

XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 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
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I bought an American Express gift card for {$200.00} on XX/XX/XXXX. I used the card to make a transaction for the first time on XX/XX/XXXX and the transaction went through. I am now reading online that other customers had the same experience as me with these Amex gift cards where they are able to make a transaction with the card the first time and then never again. This has been my experience. The first transaction was for {$10.00}. I've made XXXX transactions since and they have all declined. I called the customer service number on the back of the card every time the card declined and the representative always advised me the same way " try again in 24 hours ''. They said it was declined for security measures and that they will lift them so that I can make the transaction again the following day. The first declined transaction was on XX/XX/XXXX ( for {$30.00} ), I tried again XX/XX/XXXX, declined ; I called Amex customer support ( which I'm learning is really a company called XXXX XXXX  that Amex outsources their gift card customer service to ) and told them about the decline, they said again to try again in 24 hours, I did, it declined and I called back. They told me to try a different vendor. I tried paying with the card on a different online vendor on XX/XX/XXXX ( for {$35.00} ). It declined. I called the customer service # on the back of the card AGAIN. They told me that the card can not be used for " fabric and notions vendors ''???? I told them that no one accepts this card and that I would like my money back since I can not use this product. The representative froze my card, took down my personal information, opened a case, gave me a case # and told me to call back in 3 weeks to follow up on the case. I called back on XX/XX/XXXX. The rep told me that I had called too soon and advised me to call back on XX/XX/XXXX. I called back to follow up on XX/XX/XXXX and was told that after an " investigation '' my refund request was declined and that the only thing to be done was to unfreeze my card and for me to try using it with other vendors. After arguing that I did not want to try with other vendors as it is especially embarrassing to have your credit card declined in-store, I agreed to have my card returned to active. I tried to make an XXXX purchase with the card on XX/XX/XXXX ( for {$86.00} ) and the card declined again. I called the customer service number again and asked for a refund, they told me to call back in 3 days. They refused to give me any information in writing by mail or email so i am not hopeful. I want my money credited back to the credit card I used to purchase the gift card or a refund check sent to me for the remaining amount that I can not spend using this card. There is {$180.00} still on this card that I want returned to me and I never want to deal with credit card gift cards again.
Consumer complaint received 2022-08-03
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. (IL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX 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 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (AR)

Signed up and the initial transaction worked, but now I can not get any further transactions to go through. They keep saying XXXX is blocking it for " fraud protection '', but not offering any solutions to get the card to work. And now because I have done a transaction, I can't cancel the card without paying the {$120.00} manual fee. Adn apparently no one in the entire company can make any overrides of any kind to correct the situation in any way. Absolute fraudulent company.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This account with hsbc still double report on my credit reports XXXX Is over 8 years that I made my last payment and they still reporting it. If they ca n't send me a debt validation then take this off my credit reports. And they have XXXX as their collection agency and they are reporting it too. It was paid in full to XXXX.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HILLTOP HOLDINGS, INC (NY)

I have loan with Primelending mortgage company and its paid through XXXX. I have automatic payment set up and have not missed a payment. My escrow changed and my payment for the escrow had not caught up. 

They returned the entire payment and then charged me for late payment/no payment. The difference was {$70.00}. 

Instead of allowing me to pay the difference they claimed that they can not accept a payment less than the amount and returned the payments. 

I should not have to pay late payments that by the way are almost the same as the difference. They also are going to report negatively on my credit report. 

I could understand the underpayment correction, but to return the entire payment then claim I am late is disingenuous. 

I should not have to pay the late fee and take a poor credit reporting due to their poor processes.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kornerstone Credit,  LLC. (TX)

Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX The KornerStone Credit notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One has run my credit multiple times without my knowledge on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX discover has access my credit without my knowledge on XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I applied for a Citi AAdvantage Executive World Elite Mastercard at a Citibank branch on XX/XX/XXXX and the application was denied. Days later I received the letter and the reason it's as follow : " We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts for you '' The reason my application was deny it's vague and doesn't say specifics when The Equal Credit Opportunity Act provides that all consumers should have an equal chance to obtain credit. It requires the creditor to explain their reasoning when denying a credit application. 

As well as the Act requires that the creditor provide the denied applicant with a notice that explains exactly why the application was rejected. The Act also requires that the denied applicant has the opportunity to request an explanation if they ask within 60 days. 
Onviously the card I receive has no valuable information and none was provided by me when I called some different departments at CitiBank.