davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

In the last 8 years we have tried to get help with OCWEN and now PHH. Always denied, so we filed Bankruptcy but constantly having to refile due to them refusing to help. We paid in through Bankruptcy and brought down outstanding balance to {$290000.00}. But in reduced payments by bankruptcy, we owed XXXX, but they increased the amount due to {$210000.00} making it over XXXX owed. I have tried to talk to them and file to reduce the XXXX interest rate. I have sent them letters to take back fees and payments off so we can get a mortgage. They assessed over XXXX in expenses and payments when PHH took over last year. I begged them to help due to my husband XXXX of XXXX. He died last year in XXXX. He had a lot of health issues in the last eight years that put us so behind and because of medical bills we had to file bankruptcy. And this is the second time I filed bankruptcy to try to save the house. I am a XXXX veteran sr. Citizen and having a time understanding why these people can not help me. The amount that they want every month is way too much. They want me to pay $ XXXX  monthly for a mortgage payment. I just need help trying to save my house. Thank you very much.
Consumer complaint received 2020-08-09
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION (FL)

I use to live in XXXX Nebraska. A fried in XXXX told me about a {$500.00} bank promotion with UMB Bank. You needed to open a checking account and savings account, then qualify. I opened the checking account on XX/XX/2020. I was able to open the checking account and UMB 's web site went down so I called in and the rep said to wait a day to open the savings to get the full bonus. I waited and i wasn't able to open the savings account. It was denied. ( I've read more than 100 complaints about this very bonus, people who opened the account, then it was locked. ) Yesterday I tried to access my checking account online and it was locked. The email said to call in. So today I called in and the rep was so useless she said she couldn't tell me why it was locked. UMB needed to verify information. So I said what do you want to verify and she said she couldn't tell me. After a few more minutes of getting no where I told her i didn't want to do business with their bank if they wouldn't answer my questions. I told her to close the account and she said she couldn't because it was locked. Again I asked why and she said she couldn't tell me. So I said close the account and I hung up. A few minutes after I hung up UMB called and I missed the call so I called back a another worthless rep said she had no record of anyone calling me. I tried to explain to her, someone just did. I gave her all the info she needed to look my info up, but she was less capable than the other rep, so I told her to close the account. I was told if I don't call back I can't have my {$250.00} opening deposit. The {$500.00} bonus is still being advertised on their web site.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed the following with Experian and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXX XXXX XXXX XXXX  XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX {$520.00} Original creditor : XXXX XXXX showing opened date of XX/XX/XXXX- but XXXX Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (IA)

in XXXX i tried to buy a mattress and have it leased through acima. i never received the mattress and in that time i had also loss my phone number yet i still contacted acima telling them i never received the mattress and would not need to have it leased anymore. in XXXX i realized that it is still trying to be collected even though the lease wasn't needed and i never got the product it was intended for. they still wont remove it and say i still owe. I have contacted this company and the company i tried to get the mattress through and both were non-caring and very unhelpful, needless to say if it seems like a scam it probably is. The original company i tried to work with went under for fraud and a new owner is running the mattress " company '' he wouldn't have had to owe anything all he had to do was cancel the order to the lease firm. he would not do so for no apparent reason other than to make my life difficult and teach me a lesson. I just don't understand people anymore and dint want it to be this big of a deal but if the original person went away for fraud you think he would try to make the company look good, but like i said before if it looks like a scam it probably is,
Consumer complaint received 2020-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Why is is it taken more than 4-6 months and i still haven't received the responses???? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

One of the three major credit bureaus, Experian, XXXX, or XXXX, maintains a wrong record of my date of birth. 
The wrong data of my identification made me being rejected in many situations. 

As a real case happened in XXXX, I was unable to get Internet service from XXXX. 
I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. 

I understand that your organization advises us to first try contacting directly involved company for resolution. 
But in my case, I really dont know which company to file complaint with. 

I wish you would be willing to offer help to me. 
Any help from you shall be highly appreciated.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I hired a XXXX XXXX on XX/XX/2020, under the impression that he was a paralegal working for XXXX XXXX XXXX or XXXX XXXX XXXX, a supposed firm based at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hired him to help me file a small claims case, which involved sensitive legal information, including all evidence, prep discussions ( demand letters, who to serve, how to serve, laws broken/codes, etc ). He insisted that I pay him via PayPal " Friends and Family, '' so that he wouldn't have to pay business fees normally due ... a business. 

Since then, he has been unresponsive to questions ( never really answering them ; writing back in incomplete sentences or broken English, etc ), always late in getting back to me ( anywhere from several days to a week or more ) and has not provided a single document or served a single defendant in the case. I need to move this case along for urgent financial reasons. In my last communication with him, I requested him to provide some evidence that he had been doing work on the case, as I had paid for ... but he never responded. I have all emails and documents pertaining to my communications with this XXXX XXXX. I am out {$560.00} because I trusted XXXX XXXX XXXX as a legitimate legal service provider. When you go to their website, XXXX, you will find nothing of the sort, but a broken website. Further, he has communicated to me with a regular XXXX  account, with no domain name assigned ; a non-professional email. 

I opened a dispute with PayPal Credit 's XXXX XXXX  Credit Card about this transaction. I supplied all evidence to them of this man 's communications, etc, and they have only dragged their feet and provided not even a provisionary refund to my account. I do not feel PayPal is taking this matter seriously at all, and is using COVID19 as an excuse to avoid doing their jobs. They are completely unreachable by phone, and it is very difficult to reach their partner, XXXX XXXX, in this matter. Whenever I am able to finally reach them, they refuse to provide any updates on the case, and tell me to wait 60 days. I am not comfortable waiting for my rights to disappear under some unknown statute of limitations here. It has been long enough. I need a resolution promptly.
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

XX/XX/XXXX 1. What is my complaint? My complaint is with Wakefield & Associates. 

2. Here is an explanation of what type of problems I am having, what happened, what company is the complaint about and who is involved. 
Attached is one page of my XXXX report regarding Wakefield of XX/XX/XXXX. Attached is a letter from XXXX XXXX dated XX/XX/XXXX stating this account is paid in full. The attached XXXX XXXX statement is the original amt but Wakefield increased every year up to XXXX. In fact we got several calls telling us to call them. Each time they call they increase the interest year. They all harass XXXX leaving nasty messages on my cell. 

Another account they say XXXX owes is XXXX  XXXX. Attached is XXXX explanation of benefits page and the statement of physicians statement dated XX/XX/XXXX, and an email regarding of the XXXX  amount. 

My wife and I spoke to them about this letter, and mailed them a copy of this letter. They said they will let XXXX know if they agree ; we have not heard from them. XXXX wants this removed from his XXXX  report immediately. Wakefield is also on XXXX XXXX  report. The XXXX  report attached is dated XXXX ; we havent received XXXX report yet. 

Attached is IRS 1095-B Health Coverage showing XXXX had full 12 month coverage for XXXX. 

3. Wakefield collection regarding XXXX  XXXX  XXXX amount {$670.00}. We called this agency they informed XXXX there is no account for XXXX. As you can see Wakefield shows on XXXX  report ( attached XXXX XXXX owes {$670.00}. XXXX is now named XXXX XXXX XXXX XXXX XXXX Theyre number is XXXX. 
Please let us know if you need more information. 

XXXX and I can be reached at XXXX. Our home address is XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Consumer complaint received 2020-08-03
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MI)

Hello, I recently applied for a credit card with XXXX/Continental Finance after receiving a pre-approved offer. In an effort to build my credit, I applied and was approved for {$500.00} ; I was aware this would be decreased to {$420.00} due to the {$75.00} annual fee which is deducted from the available credit. Upon receiving the card, there was an available balance of {$390.00}, this is due to the company sending me 2 cards, 1 in a previous last name and 1 in my current last name. Due to this extra card, I was charged an additional {$30.00} ; the problem is, I did not request an additional card, I applied for the credit card in my current name which is also reflected on my credit report and the card should have only been issued in my current name. 

I tried to contact the company by phone, multiple times with no success. The hold times will start at 14 minutes and the longer you hold, the longer the wait time becomes, 15 minutes, 17, minutes, 20 minutes ... which is absolutely insane and quite baffling. 

I would like the {$30.00} charge reversed and this company needs to do a better job at of being sure they're issuing cards correctly and not charges customer from non-applicable fees.
Consumer complaint received 2020-08-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (KY)

Issues began at the beginning of this loan during the month of XXXX when I called to make sure I wasn't late on my first payment as I received a harassing call at my place of work indicating my account was past due. Please keep in mind I had just purchased this RV. When I called M & T to discuss this inappropriate phone call, they indicated their records reflected I had two RV loans with different payment amounts. They said this would be resolved and my payment was not due yet ... .they apologized for calling my work. I then made a payment on XX/XX/XXXX. Then when I applied for a mortgage in XXXX and the mortgage officer indicated I was denied because M & T bank had reported I had not made payments to them although I called and made one on XX/XX/XXXX. When I called M & T Bank, they indicated they did not have the correct bank account number so the payment did not go through, however, no one notified me of this issue. Payments are being taken out of my account without authorization. For two separate months, two payments have been taken out on the same day. On XX/XX/XXXX, {$420.00} was taken out of my personal bank account twice making a total of {$850.00}. My payment is only {$210.00} and I was actually making two payments, one for XXXX and XXXX. Instead, they took out {$850.00}, only returned {$420.00} which was confirmed by my bank, and have not credited my account for the initial {$420.00}. In my view this is stealing. My bank gave you {$420.00}, confirmed it and they are acting as though they never received it which is incorrect. They indicated I have not made a payment, whereas my bank confirms they have received my money. Therefore, monies I have paid have not been applied to my account and I'm receiving threatening correspondence every month indicating I'm 50 days past due which is inaccurate as reflected on my account statement. In XXXX, again, two charges on the same day but for different amounts were taken from my personal bank account which I did not authorize. I made a payment of {$220.00}, however, not only did they take the amount of {$220.00} but they also took the amount of {$210.00}. I reported this to them several times and nothing has been done. I have also attached collection letters dated 9 days apart stating different things which make no sense whatsoever. I have received multiple collection calls although I am not behind in my payments. I was told this would be taken care of several months ago and now there seems to be no resolution as I can't seem to get anyone to return my call. Additionally, I am unable to obtain any copies of statements off my account online even though it says they have them for the last seven years. Mine stop at XXXX and I am unable to reach anyone to obtain copies. I have reached my last resort and had no other choice but to reach out to the CFPB along with the Attorney General and Federal Trade Commission.
Consumer complaint received 2021-04-24
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 — Was not notified of investigation status or results
Company: Park Hill Holdings (MS)

on XX/XX/2021 I mailed a letter about a questionable account on my credit report. It has been past the time that the FCRA allows for a copy of my and investigation report and I still haven't received any correspondence.