davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

In XXXX 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting the requirements. I received written confirmation from a Citi representative that I met the requirements and that the miles would post to my account by XX/XX/XXXX. 

During this time, I 've already been charged a $ XXXX monthly service fee. Now, after confirming this promotion was applied to my account, Citi appears to be pulling a bait and switch. They have suddenly decided I do n't qualify unless I can find a post card from 5 months ago showing the offer. 

I do n't keep mail around for 5 months, and throughout all the communications, nothing was ever said over the past 5 months about needing to keep that post card. 

Now I have {$30.00} in fees and am not receiving XXXX AAdvantage miles. I 'm not alone. XXXX people are in the same situation. Via a XXXX search, I 've read about many people who are going through similar frustrating experiences. 

This is not right. I feel like I 've been lied to and my money has been taken. Despite upholding my end of the agreement, Citi has not provided the miles as promised. 

Something needs to be done about this. I hope you are able to assist so that Citibank honors the promotion they told me I qualified for. I have attached documentation which supports my case.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I had XXXX conn 's accounts opened in XX/XX/XXXX which are falsely reporting on my credit. 

Acct XXXX opened XXXX XXXX was a 40 month term and the account was paid off in XXXX which is 14 months later the account has been reporting derogatory as a collection account that was settled after it was closed which is in violation of the fcra. This account was paid off and needs to be updated to reflect positive standing. I will be following up my complaint with the office of the consumer credit commission and the Texas state attorney general of this account is not removed from all XXXX credit reporting agencies immediately. Attached you will find the payoff payment made XX/XX/XXXX. 

Acct XXXX opened XXXX is reporting closed XXXX which is incorrect the account was charged off and placed for collections. with a XXXX party company in wowed well as other discrepancies. I am requesting deletion of this inaccurate information from my credit file. 

It is the duty of the credit furnisher to report account information accurately and to maintain the customer 's integrity in its reporting as per the FCRA.
Consumer complaint received 2016-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX. 
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did. 
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why. 
Why was account open with NO FIRST NAME
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

The servicing company on my home loan ( Roundpoint Mortgage Servicing Corp. ) is demanding over $ 80.00/month more than required for escrow. Multiple calls and emails have not produced any results other than misinformation.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, Online I logged into my Equifax account to review my credit file. The report date shown by Equifax was XX/XX/XXXX. As I am reviewing my credit file listed under " Installments Accounts '' Equifax is reporting XXXX negative closed accounts. The First  account is XXXX XXXX which has been reporting for more than the legally required XXXX years on Equifax credit file since XXXX of XXXX, Again, listed on my credit file under " Installment Accounts '' Equifax is reporting XXXX duplicate closed loan accounts with no account numbers from XXXX XXXX and all are negative and closed also the date openings listed are a month apart for XXXX XXXX. What loan company will let a consumer default on XXXX loans? 

Finally again, listed on my credit file under " Installment Accounts '' Equifax is reporting XXXX duplicate closed loan accounts from XXXX XXXX and all are negative and closed also the date opening listed is a month apart for World Finance. What loan company will let a borrower default on XXXX loans? After a borrower defaults on the first loan, no finance company in the U.S. will allow you to take out a second loan account.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Dear PayPal, This is the third time I am conctacting you regarding my issue, each time I have recieved even more outrageous responses. My name is XXXX XXXX XXXX XXXX I am the owner of the account linked to the email XXXX. As I have explained already in past phone calls and my previous complaint to the CFPB, on XX/XX/2021, I recieved and email from PayPal, stating that I could no longer use their services, I will attach this email bellow. 

As I have explained already, I have not done anything wrong and I have not been given any explanations as of why this happened, the previous response I got from PayPal said the following, ridiculous and insulting message ; It is important to note that this complaint was not submitted on your behalf but on behalf of another PayPal account holder. Due to PayPal 's strict Privacy Statement, we are only able to address account information with the account owner. As a result, we can not divulge account details to you regarding an account that is not in your name. 

I will also upload a photo of my ID to prove that I am XXXX XXXX XXXX XXXX and not as you are claiming " another PayPal account holder ''. 

PayPal have provided me with an awful costumer support service, after calling and contacting them multiple times, they were time and time again, unable to fix the issue they caused and still have not given me back the control of my account. 

Bellow you will find a photo of my XXXX ID, the previous email I got from paypal, which was totally wrong in everything they stated and helped me in no way and the emails I got from paypal regarding my account. 

I trully hope you can fix my issue once and for all, all I want is to be able to use my account, with the {$2200.00} you are holding against my will. 

SINCERELY, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lamont, Hanley & Associates, Inc. (CA)

Begin receiving emails and telephone calls from Lamont, Hanley and Associates Inc located at XXXX XXXX XXXX XXXX NH XXXX regarding XXXX XXXX ( XXXX XXXX XXXX XXXX ) overpayment that never happened. 

To be sure it was n't clerical error, I called and spoke to a representative of XXXX XXXX and was told they do n't have me on any delinquent account and report it as it may be fraud. 

I emailed XXXX XXXX, Account Manager and Department Supervior at Lamont, Hanley and Associates, Inc and asked where did she obtain the overpayment information. 

XXXX XXXX continued to send emails regarding payments and nothing else. 

I 'm sending a cease and desist letter so that Lamont, Hanley and Associates will stop harassing me. 

Appreciate any assistance.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (WI)

# 1 No pay-off statement related to old loan and/or escrow. Unable to determine and/or balance to pay-off. # 2 After getting a specific quote of {$350.00} for title insurance, received XXXX charges for {$350.00} listed as " XXXX '' and " XXXX-XXXX ''. # 3 Refusal to provide me with a copy of lender-paid appraisal done in 2010.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (AZ)

We went to OneMain financial in XXXX, Texas for a personal loan. We were told we were qualified for {$3000.00}. We said that would work at that time. The representative stated that it was dependent on us allowing one main to pay off our current auto loan. We agreed not realizing we were refinancing an auto loan for a car that was close to being paid off. Meaning by signing up we were not only stuck in a new auto loan on an older car, but our {$3000.00} was dependent on us signing up for the refinancing. Ended up being triple what the car was even worth, added on a substantial amount of interest and took us forever to pay off. When we paid it off finally years later we found out One Main never even had the title to our car or reported to XXXX XXXX that our loan was paid off. So we technically show in XXXX XXXX  system having an active lien on the vehicle.
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 — Account status incorrect
Company: EQUIFAX, INC. (MS)

I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX XXXX Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

( 1 ) We are seniors who have XXXX and health issues and in XXXX of 2014 I asked our lender if they had any suggestions/help for us with our mortgage. I specifically said I was not interested in a short sale, nor were we in jeopardy of foreclosure as we have never missed a payment and did not intend to. 
( 2 ) I was sent an application but said on the application I was only hoping to look at options - perhaps a different percentage rate, or possibly just a fixed rate. I tried calling numerous times trying to tell people that I just wanted to talk to someone about my options but no one would return my phone calls. 
( 3 ) In XXXX we got a decline on assistance with our loan and that we were not eligible for FORECLOSURE alternatives. - " Due to the reason I was not evaluated on other criteria ''. I had no idea what this meant and tried to call but my phone calls were never answered. Shortly from the decline we got a letter sending us information on selling our house on a SHORT SALE! I continued to call people and ask them about this correspondence and what it meant but could n't connect with anyone. 
( 4 ) In XXXX I got a fee charge on my mortgage statement of XXXX. I called again and talked to someone who said that it was a mistake and would be removed. 
( 5 ) The next month this fee went up to XXXX and I called again. I finally wrote a letter how unhappy I was with their service and wanted the fee removed from my statement. 
( 6 ) In response to my letter a person called and I asked her to remove the fee from the statement. She said she would have to check into it and see what it was for. Many months later she called and said that the fee was for an appraisal. I replied that I did not ask or give permission for an appraisal nor was I sent a copy of the appraisal which by new laws they must send to me promptly. 
( 7 ) A month later I was sent what they called an appraisal. ( It has now been at least six months later ) It was not an appraisal - it was an exterior BPO and done by a realtor and not a certified appraiser. I have a real estate license and I know that according to FIRREA rules that we can not do appraisals for mortgage loans as this is illegal. It also states that if lenders wish to ensure payment for appraisals they must request payment before. ( Strangely I was studying the new laws of the CFPB for my continuing education in real estate in XXXX. ) ( XXXX ) As I have found out that getting help with mortgages from the government is a big farce I feel I should not have to pay for an appraisal which I was told was a mistake, and which it says right on it that it is NOT an appraisal, and I certainly did not receive it promptly. Asking for help with my mortgage not only has caused a lot more stress for us, but now I have more money to pay and a lower FICO score.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My second mortgage was transferred to a new company after closing. The new company added a {$250.00} without notice and also never sent any communication that payments changed during the process. I had payments set up automatically with my bank each month. On the month of XX/XX/2022 I got a notice from my bank that I had a late account on my credit file. I reached out and XXXX ( the mortgage servicer ) told me that I had underpaid and they do not accept payments not of the correct amount. Not once did they reject any payments and not once did I receive any communication via phone, text, email or mail that my account was past due. After showing all payments and even having documents from them that they show payments processed they would not remove the late account on my file. I have tried three times and they are not willing to remove even though their own statements they finally sent me shows payments made and on time.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I was notified that Midland Funding LLC sued my XXXX XXXX, Case No. XXXX. I called them and they said it was because of a XXXX XXXX that I optained in XXXX. The stated there was a balance due of {$2300.00}. I do not remember ever having a credit card with XXXX. They said it was sent to Midland Funding in XXXX. I have never gotten a call about this. I never knew about this. Now I have a law suit and nobody can tell me anything about the charges or where they were spent, etc. I have a credit report from XXXX/XXXX/XXXX. I looked through it to see if a card with that name or number was on it. There is no XXXX credit card in that report. There was no delinquent amount due on that report. There were XXXX credit cards in that report that were assigned to my ex-husband upon our divorce. They are XXXX cards with different account numbers then the XXXX Midland gave me. I do n't know what to do. The person I spoke with at Midland told me to contact you, so here I am. The credit card number she gave me was XXXX XXXX XXXX XXXX. Please help me find a way to resolve this.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I received an email from what looked like to be my mortgage officer about the closing of my house. The email had my officers email address, name, email format of the mortage company, my closing costs ( {$29000.00} ), and address of my house. I followed the instructions of this and made the payment cost for the closing of my house. 

On XX/XX/2022, my Mortage officer had called me and told me how I planned to send the money for my closing ( Keep in mind that the builder and mortage company did not tell me the exact closing date of my house yet, only the general time ). I was surprised because I thought I sent it, but apparently there has been a hacking and sending of fradulent emails within the company the past. The hackers had intercepted the emails of the closing ( included closing cost, address, etc ), and impersonated the people I was in contact with. They misled me into sending a fraudulent wire transfer through this, as almost everything seemed OK and only a few people had this information. This fradulent bank account was a wells fargo account. 

This has been going on since XX/XX/XXXX at XXXX XXXX, and they failed to inform me of this until XX/XX/XXXX, when I was too late to stop the wire obviously. 

I still filed this to XXXX ( my bank ), to recall the funds from wells fargo account ( fradulent bank account ). I also went to multiple Wells Fargo location, and managed to create a compliant to them to investigate this account, but they failed to freeze it and far as I know this account is still active. 

I believe that dozens ( maybe 100s ) of fake wells fargo accounts were opened up during this time period, and the closing/housing information of 100s of people who worked with XXXX XXXX were stolen by these hackers. My mortage officer and branch manager mentioned that several people, including myself, fell for this scam too. So many were affected.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (LA)

I uploaded document to Experian showing proof me a d XXXX  made a agreement for a payment on XX/XX/XXXX XX/XX/XXXX n XX/XX/XXXX for the amount of XXXX reaching a XXXX dollar settlement they have updated that I'm in debt repeatedly I have gotten a major drop in my credit score from fails reporting a d unfair accusations on my credit report stolen points just messing my life up I have up loaded early today yesterday and afew weeks ago to XXXX and Experian the update result was false update the correct information and amount
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XX/XX/XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX  Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have paid an account with XXXX and reinstated my service with them and disputed this with the credit reporting company but it ask questions about personal history for security reasons and says I have a mortgage but I do n't have a mortgage and never have had one. When I say no it says my information does n't match so I ca n't submit the dispute and this account is negatively affecting my credit report when it has been paid for months now. Please help me fix this. It 's hard enough to make it these days without things like this happening.