davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yes on my Walmart card. List it back on XX/XX/2019. They sent me replacement. Card. But clised my account hurt my credit report. Like too see if I can get closed account deleted. Was nit my fault. They should correct too all 3credit bureaus. I'm.on XXXX going thru hardship.
Consumer complaint received 2021-09-01
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)

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. Equifax is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Brock & Scott, PLLC (GA)

BROCK & SCOTT , PLLC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF XXXX. I'VE REACHED OUT ON SEVERAL OCCASIONS ASKING FOR PROOF TO COLLECT AND I HAVE YET TO RECIEVE THAT PROOF. ATTACHED IS PROOF OF NON-LICENSING. 

BROCK & SCOTT , PLLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 ACCOUNT : XXXXXXXX XXXX XXXXXXXX REFERENCE : XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease any attempts to report on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

I have mortgage account with Roundpoint Mortgage and have an escrow account setup with them where they collect monthly payments for insurance premiums and once a year they are supposed to disburse payment to insurance company from the escrow account. My insurance is through XXXX XXXX XXXX XXXX. I also have credit card on file with XXXX XXXX XXXX XXXX ( XXXX ). I noticed while Roundpoint was collected monthly escrow payments through EFT from my checking account, XXXX was also charging monthly premiums on my credit card. I also noticed on XX/XX/2023 Roundpoint had mailed a check to XXXX in the amount of XXXX. When I found in XX/XX/2023 that I called XXXX and spoke to my account rep XXXX XXXX ( XXXX XXXX XXXX ). She responded back saying check was never received. I had to then go back and forth with Roundpoint and XXXX numerous times and till date this has not been resolved. During one of my calls with Roundpoint on XX/XX/XXXX I spoke to XXXX who after putting me on hold verified check was not clear and said she is going to wire the funds again to insurance and upon receupt insurance should refund me seeing a duplicate payment. She insisted the can issue the refund directly to me. She also said based on her conversation with XXXX  rep I should be getting refund within 7-10 days as wire would be received immediately. After couple of weeks when I contacted XXXX at XXXX again I was advised they never got any wire from Roundoint. I had to call in again on XX/XX/XXXX and after long hold the agent at roundpoint told me they had not wired ( agent could not advise why I was told they wired earlier ) as XXXX  can't receive wires and that they will have to mail the check. Agent spoke to someone named XXXX at XXXX who apparently gave them different amount of XXXX. I was aphalled at this, how did the come up with this amount because it was paid in full XXXX while I was also paying monthly premiums every month to XXXX  on my credit card. I relayed this to XXXX to investigate. Today ( XX/XX/XXXX ) she responded saying they are setup to recceive wire and she checked in the backoffice with two XXXX and none of them had that conversation. I have been going back and forth with insurance broker and mortagor for over 4 months now with no resolution. Both parties should have a system to automatically detect inconsistencies ( duplicate payment and so on ) and as a consumer I should have to find manually and chase two parties like this specially when there is an escrow fund involved. Please help by resolving this matter and getting me refund for exta payment paid in XX/XX/2023.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC (KY)

On XX/XX/year> there where 3 charges on my card that I did not make. They where all for prepaid cards. 2 with T-Mobile for {$43.00} and 1 with XXXX XXXX XXXX for {$42.00}. All for prepaid phone cards. I reported this to my credit card company and they sent me a letter back holding me responsible. This is not the 1st time I've had faulty charges with this company. The first time was about a year ago and the merchant was XXXX XXXX. I had to fight tooth and nail to get this claim covered because like on this one they held me responsible! The reason they gave was that the merchandise that was bought fraudulently on this card was delivered to my address! THAT WAS A TOTAL LIE! I did the leg work and found out the address the merchandise got delivered to from a XXXX XXXX employee was an address in XXXX! I live in XXXX! These people do not care about their clients and look at us as nothing more than an income! They do no leg work when you file a claim and immediately deny the claim and tell me the only way to open the case back up is with overwhelming evidence that I did not make this purchase! Please tell me what kind of evidence a person could have when information is stolen and fraudulent purchases are made? This is totally ridiculous!
Consumer complaint received 2024-03-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

They call and say their name and ask if they are speaking with me. I state my name and then they ask my date of birth. Taken aback I ask who they are. They condescend and say they are a company and ask for my date of birth again. I ask what company and they say portfolio recovery associates. I had a conversation with them at my old phone number of XXXX many years ago and when pressed they say it concerns a pay day loan from over XXXX years ago. How do they know that I changed phone numbers? And also I believe I am all paid to those lenders the last being XXXX XXXX. In prior conversation they laugh at me and say my pay check can be fleeced. Can you please help? They also call my elderly parents and former employer!
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (RI)

In XXXX I needed a loan modification and HUD agreed, and gave me a partial claim loan for XXXX. I purchased the house for XXXX in XXXX and currently owe XXXX. I was only behind XXXX. That leaves XXXX that I owe HUD and XXXX to the mortgage company. If I was only behind XXXX why do I owe so much to HUD on top of my mortgage. My payments monthly are XXXX and wasn't lowered that much. I'm asking the company for a break down to better understand how I'm behind XXXX. It's like I'm paying for money I didn't receive and where have my monthly payments been going since I owe more than what I bought the house for.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have attempted to contacted XXXX  and XXXX  on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX  and XXXX  I am overwhelmed and do not know what else to do.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IN)

I am writing to complaint to ONEMAIN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint are XXXX and XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Purchased a car part from someone in a private group for {$100.00}, and sent money via Paypal. The seller has since blocked me on all platforms, including Paypal, so I am unable to contact them. 

Paypal says they are unable to provide purchase protection on payments under " Friends and Family '', but they did not provide me any other option when sending the money to the seller.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (AR)

I opened a Care Credit account. I was told that no interest would be charged on promotional purchases. In XXXX this year, I was charged over {$1100.00} in interest. I requested that the interest be removed and Care Credit refused to do so. I was told that since I did n't pay all of the promotional purchase off in time, all of the interest for the entire purchase amount was charged to my account, over {$1100.00}. I was told these purchases would be interest free. This was not true. I have paid a total of over {$4500.00} on my account, and I can not see where my payments are going. My balance is nearly {$7000.00}. I was told that the payments were credited toward " non promotional '' purchases. This is a scam! See statement below.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE (OH)

I was flying home on Frontier Airlines on Friday, XX/XX/XXXX where the airline representative informed all passengers of a special credit card offer that if you applied while in air you got XXXX additional bonus miles to the XXXX mile offer that Barclay 's was underwriting after XXXX purchase on the card. Both my husband and I filled out XXXX separate applications and were hesitant about handing to airline rep because it contained all of our personal info but she stated they had to mail to show the customer applied while in flight to qualify for extra XXXX miles. After 1 month lapsed my husband received approval and a new card in the mail and was satisfied. I on the other hand never received the card nor denial letter. I called Barclays and they had no record of my application. My personal information had been lost in transit from airline to bank. This open me to identify theft, etc. I am not happy nor pleased. I filed a complaint with Barclays but they do not seem to care and I do not feel the process is right to give a full application to an airline employee to submit for additional miles. I want to be contacted to discuss further.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TN)

Fraud occurred Friday XX/XX/XXXX. This is all provided on my bank statement. 
XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$3.00} purchase {$100.00} cash back XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$4.00} purchase {$100.00} cash back XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$1.00} purchase {$100.00} cash back XXXX purchase # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TN - {$100.00} {$1.00} purchase {$100.00} cash back EWithdrawal from bank XXXX XXXX TN XX/XX/XXXX - {$1500.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$40.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$40.00} Withdrawal from savings acct ATM XXXX TN XX/XX/XXXX {$100.00} Withdrawal from savings acct ATM XXXX TN XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$7.00} Bank contacted XXXX XXXX XX/XX/XXXX via text to advise they account has been compromised XXXX XXXX XXXX the purchases were ALL fraud. 
Visited local branch XX/XX/XXXX to discuss fraud, closed account closed debit cards and reopened new bank account and issued XXXX XXXX new debit card. We had one outstanding check XXXX to Illinois XXXX {$24.00} the bank was to allow check to go through however they did not and overdraft thus causing us a {$25.00} over draft payment. 
All funds were returned to us XX/XX/XXXX with the exception of the {$1500.00} " pending further investigation ''. 
Funds were reversed XX/XX/XXXX from both savings and checking account. 
Visited local bank XX/XX/XXXX to discuss why this happened as we were not provided any details. Bank stated they investigated the withdrawals and purchase determined we took out the funds due to a " chip card being used '' They can not obtain records from the cameras for any of the transactions. 
Bank contacted XXXX XXXX XX/XX/XXXX stating they were still working on getting our funds returned to us and we have not heard back as of today XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (CA)

My name is XXXX XXXX and through this website, I want to file a complaint against Absolute Resolutions Investments LLC. 

On XX/XX/XXXX, I filed an arbitration process against this company through the XXXX XXXX XXXX, but the XXXX denied the administration of the case because Absolute Resoluciones Investments, LLC did not comply with the XXXX 's requirements policies relating to consumer complaints. 

This situation has been stressful for me and affected my life in all aspects, I have spent time and money trying to resolve this but the company is evading its responsibilities. 

It is for this reason that I request an investigation into this matter, please see the attached document as proof of what I am alleging. 

Thank you!
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (IN)

XX/XX/2021 contacted gla and requested information on what this collection is on my credit report. They didnt have my address couldnt inform me who it was with and will be mailing me a response. Refuse to remove the collection till it can be validated saying its my fault I should have known.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and there response to just update instead of delete the account.
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (PA)

My Best Buy Citi card has been charged various amounts of money under {$10.00} for what appears to be over a year now. I just realized looking at my most recent bill and can not easily look past 1 year ago. This charge is always for " debt protection '', a service I never remember or claim to have signed up for. These charges seem to have increased over the last year ( this month 's bill shows {$8.00}, 1 year ago it was {$2.00} ). Again, I have never given consent to this type of " feature '' for my credit card and they make it absolutely impossible to speak to an actual person about this issue over the phone or online.
Consumer complaint received 2024-03-05
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (OK)

Our loan was switch from XXXX XXXX to Pennymac in sometime in XXXX. In XXXX Of XXXX, my XXXX XXXX  baby got XXXX XXXX XXXX  at the same time. Then XXXX went through our home. Being the sole provider, I was out of work for an entire month trying to heal from the effects. I called pennymac to try and get some help in XXXX and they rolled my XXXX payment into XXXX XXXX XXXX. They made me believe this was my only option but it still wasnt plausible for my family. I got online in XXXX to see if I could get some assistance with mortgage. I got a call from XXXX XXXX in regards to this inquiry. XXXX stated to me that " Pennymac '' was doing some illegal things and even used words like fraud and gave me the choice to hire them. They said that pennymac was given XXXX XXXX dollars for loan forgiveness. Told me I could do all the things they were doing by myself but made it seam impossible. Through the XXXX  month process that XXXX took me through, they told me not to worry and that they were trying to get my debt forgiven and get my payments lower. They told me this through the whole process so naturally I thought the XXXX month debt would be forgiven. After the process, pennymac comes with this deal saying they will put all the payments that I didn't pay on the back of my loan. XXXX told me this was my only option. So by XXXX of XXXX I was back to paying full mortgage. Having paid XXXX {$5000.00} TO tell me that I'm in the same boat. Now that we are in XXXX, pennymac has now raised my mortgage {$400.00} a month and when I called, they could not tell me why. They tried to tell me my taxes did it but my taxes did not change. I'm afraid I'm going to lose my home because there isn't any way that I can sustain payments this large.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (TX)

Green Sky XXXX  XXXX  XXXX  and XXXX  XXXX  XXXX, XXXX XXXX fraudulently opened a loan for {$7200.00} in my name. Green Sky XXXX XXXX XXXX  is colluding with XXXX  XXXX  XXXX, XXXX XXXX. XXXX XXXX promised to build a glass patio enclosure, in a contract executed XXXX XX/XX/2021. We thought XXXX XXXX would finance the project and we would repay XXXX XXXX within two years of finishing the project. XXXX XXXX accepted a personal check of {$15000.00} as down payment to begin work. On XXXX XXXX, 2021, XXXX XXXX contacted Green Sky and demanded {$7200.00} as *additional down payment*. We protested. We never authorized Green Sky or XXXX XXXX to charge {$7200.00} against a loan. XXXX XXXX never did any work- no demolition, no materials ordered, no construction, nothing. I say this again : XXXX  XXXX  DID NO WORK. XXXX XXXX stole {$15000.00}. GREEN SKY continues to add interest and late fees to the original *loan* for a non-existent glass patio enclosure, and sends monthly statements and threatening letters.