davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CO)

I want to thank you for helping me before. Now LoanCare has blocked me from accessing my mortgage account and will not help me. I am sure it is because I reported them. I have tried for over a week to contact them to get a mortgage statement. Today after speaking with 7 persons I was told I am unable to access my account due to the " agreement '' we now have for my loan modification. They all say something different. AND I found an email saying I was approved for the forbearance on XX/XX/XXXX of last year- they have repeatedly tried to tell me I was behind in my mortgage on XX/XX/2020. I have that email. 
I have received information from the Colorado Housing Assistance Program that will help me with 2 months of mortgage and they have requested a mortgage statement. LoanCare will not help me. Also since I am unable to access my account I can not print my 1098 to do my taxes. When I call them I get transferred 2-4 times all getting different answers. I am surprised there is not a class action lawsuit at this point from customers like myself. I can not afford to sue a giant company. They are just awful. I am truly trying to fix my problem!
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

I have an Indigo Mastercard issued by Genesis Financial Services. When I make a payment on the website- it does NOT show as payment pending or payment received under the payments section of the website. I paid my balance in full ( the entire credit line in full ). The next day - the system resets as if you made no payment at all and you still need to make a payment. So I made a second full balance payment to the card. Paid entire balance in full again. I checked the next day ( today ) and the Indigo website still does not show the 1st and/or 2nd payment pending or received and still shows the customer owes money and a minimum payment is due. I called Indigo to make sure I would not miss a payment ( I already made two full balance ( full credit limit ) payments that do not show on their website ). Indigo said yes they received both payments but can not cancel one and their system just works like that. I will have paid TWICE the entire credit limit on the account. The CUSTOMER does not get info on the website regarding payments received after making a payment which would reasonably make any person believe the system did not register the payment and any reasonable person would believe they still owned the balance and would make a second ( duplicate ) payment - the system encourages this!
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (GA)

last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. XXXX  and the us dept of education has XXXX  out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for XXXX XXXX and totally XXXX veterans like myself
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (NY)

There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Since 2019 Shellpoint Mortgage Servicing has been placing force insurance. Every month I have been getting letters saying that I owe over {$2000.00}. My insurance company has been calling and sending them documents over and over again, showing that I have insurance and they always say they will take care of it, but they never do. We fax and fax and fax documents and once they said that have it, then they say we need the master police insurance, which both my insurance policy is with the same insurance company. Then they will say that they have the master policy, but need the other insurance, after they said they have it. I can not sleep at night. I continue to make my payments. Now they say they fix the force place insurance, but I owe money, because the payments I have been making they been holding and say I owe. its been awful. My insurance company is fed up, but will not give up. I am going through XXXX. I make my mtg payments before time and its not right. I ask them, how am I behind and I am making my payments on time and they can not answer. They say they will put a tickle in, it has been 3 weeks now. They harassment me almost everyday, but can not answer my question, where is my mtg payments.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MO)

I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (AR)

I received a collection letter from Online Information Services about a utility company, XXXX XXXX XXXX, in XXXX, Arkansas. I contacted the utility and was assured by the person I spoke to that the debt was for an address in XXXX and the individual was from XXXX. She verified that the last four digits of my Social Security number was not the one associated with the account in question and that the address of the individual was not at all similar to my address. The name on the account is not my name and my address is in the Eastern half of Arkansas and not even close to XXXX, Arkansas. She also did not recognize the name of the collection agency. I believe this company is gathering debt information and associating good addresses with bogus names in an effort to extort money from unsuspecting individuals. I have reported this company to the Arkansas Attorney General 's Office, as well as the XXXX County Sherriff 's Office in an effort to alert others to this scam.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

I opened an account on Binance.us to start purchasing Crypto and they put a 10 day hold on my money to verify my bank and info, which is fine with me. Its now been 12 days and my money is still frozen and cant withdraw it. Ive searched the internet and found multiple forums with horror stories of Binance.us not releasing peoples money after the 10 day verification. Ive seen some as much as 9 months with no luck getting their money. This company has no Phone or address listed to get a hold of them but I have emailed them with no response. It says they are located in XXXX XXXX but thats all it says. Id just like my money released and thats it. Its almost fraudulent on what this company is doing to people with no way of contacting them or getting their funds. Thanks for your time.
Consumer complaint received 2023-04-02
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information 15 USC 1681 section 604 a section 2 says " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC (CA)

On XX/XX/year> I made an initial attempt to send a certified letter to Starmark Financial, requesting validation of the information associated with the account. On XX/XX/year>, I received a response from Starmark Financial. Subsequently, I emailed XXXX, XXXX ( the original account holder ), and copied Starmark Financial in the correspondence, including screenshots of the credit application containing inaccurate information. 
Following this, I accessed a credit portal to formally dispute the collection charge appearing on my credit report. listed below Dispute 1 * Source of dispute information : Starmark Financial * Type of disputed information : Unknown credit account * Details of the Dispute : 1. Incorrect Date of Birth : The date of birth listed on the account does not match mine. Upon requesting proof from Starmark Financial, they intentionally blacked out my date of birth. 
2. Incorrect Email address : The email address linked to the account does not belong to me and does not represent my contact information.

3. Unauthorized Signature : The signature on the credit application is not mine. There is no proof of wet ink signature, just an electronic signature.

4. Incorrect Address : The address associated with this account is an old address of mine, but I was not residing there at the time the account was opened.
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NV)

Long wait with no answer to customer service call. I signed up for Barclay XXXX with XXXX miles bonus reward. I have not received the promised mileage in my XXXX XXXX  account.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid 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: Block, Inc. (TX)

On XX/XX/2023 my Cash App was charged for two purchases one within minutes of the other, from a company called XXXX XXXX for an amount of {$120.00} and the second charge of XXXX. I immediately went on line and cancelled my cash app card and filed a dispute for the fraudulent charges. Approximately one week later I was issued a temporary credit for both charges in question. 

For the record, I have never given my card or the card number to anyone to use and have NO idea how my card was even compromised. 

Approximately one month later I received an email stating that the dispute was denied after their so called investigation. However, I tried looking up the company name XXXX XXXX and although there are variations of that name there is no company I found that is actually that name. Therefore, I found their so called investigation to be lacking the evidence needed to dismiss my claim. 

I then began trying to contact the support team via chat after I was never able to get thugroh on the so called XXXX # and holding for literally hours at a time. to have there decision appealed. I have asked Cash app to follow up as I found NO company with that name, I asked where the items were shipped if purchased on line. I know they can't tell me the address but what state or city did the merchandise go to, etc. I have gone on line and chatted with support twice in two weeks and keep getting the same robotic response saying their specialty team will reach out to me and asking for my email which I have given twice and still no one has contacted me back about the issue I want to appeal.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/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 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase just reaged an account on my credit report and it dropped my credit score. They are currently listing me as 180 days late as you can see on the payment status. Then they are listing the late payments incorrectly across all three credit bureaus. This is a violation of the Fair Credit Reporting Act, Section 623 Furnishes of Information. The last reported date is incorrect on all three credit bureaus as well.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have a credit monitoring service called XXXX. I pay a monthly fee to them and they send me my fico XXXX scores for each credit bureau along with all collections, open accounts, closed accounts and hard inquiries. This updates every month for me on or around the XXXX. I noticed on XX/XX/XXXX when I got my updated credit reports from all three that Transunion had no fico score. As I begun to investigate further I saw that the information from Transunion including closed, open, hard inquiries and collections were all removed. I had two accounts that did remain, those were my two secured credit cards, XXXX XXXX and XXXX. After finding this information out I immediately called Transunion and spoke to a lady. This was on the same day. XX/XX/2021. I begun to explain to her what had happened and that I no longer had a score and the closed accounts, open accounts, collections or hard inquiries were absent. She was a bit confused and didnt really have an explanation. I hung up with her and called MY FICO. I spoke to another lady and explained everything to her and she told me she also no longer saw a score and only XXXX open accounts. She told me that this happens when accounts are too new to generate a score or you dont have enough information to report and generate a score. After hanging up with her I immediately went on Transunion.com and paid for a credit report which was XXXX dollars. I continued to check my report day after day to support my findings and to confirm what myself and MYFICO customer service told me about the report. XX/XX/2021 I went on my Transunion account to check my score once again and the accounts and all the old information popped back up without notifying me.