davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I submitted a request on XX/XX/XXXX for a standalone partial claim due to my payments being in forebearance during the pandemic. Carrington sent confirmation that my request was received and that they would contact me by mail within 10 days on the processing of my request. I never received any correspondence about my standalone partial claim request as promised in the confirmation that I received. I received a notification stating that my forebearance was extended another 30 days and I did not request additional time in forebearance. I have made some payments while in forebearance but still no answers. I called and spoke to a representative on XX/XX/XXXX to check the status of my request and the representative was not aware that I had submitted a standalone partial claim request until I told her. She told me that paperwork would be arriving for me to sign within a few days and it never arrived. She encourage me to continue making payments.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-04
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. (WA)

XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I called Kabbage because my personal phone number came up on my bank statement instead of my business phone number for my customers. I simply needed this changed, A phone rep told me they would call me back in a day or 2 while they fix the issue. I never received a call. That same day about 2 hours later my account was restricted and they asked by email for my business documents. I sent those over. Today Wednesday XX/XX/XXXX I had to reach out to two of my customers to be reimbursed because kabbage refunded my customers after I submitted proof to them these transactions were legitimate. I am confused and not sure what is going on.
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc (NC)

Apparently XXXX XXXX sold my bill to BULL CITY FINANCIAL has reported a debt on my credit report! Ive received no voicemail or mail regarding this debt, whatsoever! Now my credit report has lowered by 51 points due to debt being requested as unpaid.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I used to have a Wells Fargo home mortgage that account was closed in XXXX and sold to a different company I no longer have that account. But after reviewing my credit report that account have been reporting active to the 3 credit bureaus every month since the start of XXXX, I contact Wells Fargo about the issues and to remove the account on my credit I was told they can't help because I no longer have that account with them. Remarks are being added to the account by Wells Fargo dropping my scores by XXXX points every month.
Consumer complaint received 2021-11-27
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. (WA)

I have tried many times over the past four years or so, using different web browsers in different configurations, to access my Experian credit report from https : //www.annualcreditreport.com/. Every time, I get the error message " A condition exists that prevents Experian from being able to accept your request at this time. '' followed by a suggestion to write my request, including SSN, on paper and mail it to them. A quick Internet search reveals that I am FAR from the only one to report this problem. 

Using the same browser configurations, I have been able to retrieve credit reports from XXXX and XXXX quickly and easily. 

I can understand that Experian might have the occasional technical problem with their web application. However, if their application has a bug, they should have long ago fixed it. At this point, I can only describe their failure to provide the service to me that they are required to provide by federal law either willful malfeasance or gross negligence.
Consumer complaint received 2021-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I took out a student loan with Corner stone loan, before they switched to fed loan servicing I had called to set up payments and they told me that there was no balance on my account. At the same time I took out a loan my mom took out a parent loan and her loan amount showed up. But my loan was gone, she said it didn't show any amount no trace or a loan. I talked to her and further on a manager because I figured it was weird that a loan would just disappear. I have finally got a hold of fed loan servicing after seeing the {$4000.00} loan recently on my XXXX XXXX. I asked the corner stone loan employees and managers multiple times, and they couldn't even tell me what happened but that there was no loan in my name. It also never showed me that I had a loan on my XXXX XXXX app till now, although I do know that anytime you have a loan it shows up. Now that I am communicating with fed loan servers, they do not know what is going on, and will not assist in anyway. I understand I took out the loan but corner stone loan company made a mistake on their behalf, and now they just want me to go back to paying it. When I called to try to pay it off before, but somehow there was no loan no nothing. I am sending this email because the fed loan server a manger whom I talked to said this is the only option I have left. Thank you
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

Contacted the company several times leaving voicemails. Still no call back. 
{$790.00} bill This is not my bill, it appear to have been opened around 2016. I want this off my credit because I did not open this account. I have also disputed this account before. It was taken off my credit and it has come back again.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (TX)

True Accord continues to invade my privacy by contacting me via email without my permission or consent. True Accord rep used obscene and abusive language in an attempt to collect an alleged obligation. I do not have a relationship or contract with True Accord. True Accord has not validated the alleged debt however continues to harass me.
Consumer complaint received 2021-11-03
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. (AZ)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE AND 1 ACCOUNT THAT IS NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NV)

I recently put a large charge on a Chase Southwest Credit Card. After the charge I received several credit card offers from Chase as well as from other banks that promised a balance transfer with 0.0 % APR. My intent in opening this new card was to do a balance transfer so I combed through the agreements before committing to applying to a card. I decided on Chase because I have been with them for many years. No where in the agreement or terms did were there any limitations on from where the balance transfer could come from. It took over a week for the card to arrive. When I received the card and attempted the balance transfer, It would not allow me to make the balance transfer from another Chase credit card. I called customer service and not one there was able to help me ; I just got an I'm sorry. No where was this stated when I applied for the card. I have excellent credit and could have went with many other banks but decided to stay loyal to Chase because nothing during the application process would have led me to anticipate a problem transferring the balance from another Chase card. I believe this is an extremely deceptive practice. This should have been clearly stated somewhere in the offer agreement.
Consumer complaint received 2022-06-27
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. (VA)

Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have requested three times for Resurgent Capital Services to provide proof that I opened this account with XXXX XXXX, XXXX XXXX and include my signature, indicating that I did open this account. Three times, I have not received proof that I opened this debt, nor have they removed it from my credit. The last communication was sent via certified mail on XX/XX/XXXX with a cease and desist with a request to provide proof that I opened this account. I just received a letter with a copy of a statement, no signature, and the account has not been removed from my credit. According to the FCRA, I have the right to a fair reporting on my credit report. I did not open XXXX XXXX Account Number XXXX and Resurgent Capital has yet to provide me a copy of agreement that I signed to open this account, because I did not open this account. 

I am requesting proof that I opened this account, which I did not, or I am requesting that the item be removed from my credit report immediately.
Consumer complaint received 2021-11-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I have a mortgage with Mr. Cooper, formerly nation star. On XX/XX/2021 i made a partial payment on their phone app for {$680.00}. This was selected as a partial payment for XXXX. They applied it as additional principle because it was 2 days early even though it didn't come out of my account until XX/XX/2021. I made the additional partial payment of {$680.00} on XXXX XXXX, 2021. I found out XXXX XXXX 2021 that this happened and had them correct it. In the process of having them fix this, I received a letter for a va streamlined modification dated XXXX XXXX reducing my payment to {$1100.00} for XXXX. Through XXXX. They fixed my XXXX payment and I made my full XXXX Payment, XX/XX/2021 within the allotted time, of {$1300.00}. On XXXX. XXXX 2021, I went to make my streamlined va modification payment on their app. Of {$1100.00}. I received a notification from my bank the next business day that my account was severely over withdrawn. Mr. Cooper not only had the pending amount of {$1100.00} that i authorized but also another unauthorized amount of {$1300.00}. I contacted Mr. Cooper that day XXXX. XXXX 2021, they told me they could only refund me and not stop the 2nd payment. I called my bank and put a stop payment on the unauthorized amount of {$1300.00} costing me a {$35.00} fee but preventing many other overdraft fees. I've contacted Mr. Cooper several times since then. They're saying I owe an additional {$200.00} for XXXX 's payment and a {$30.00} fee for stopping the unauthorized payment.
Consumer complaint received 2022-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

I sent a principle only payment to M & T bank, the check and form were both marked " For Principle only ''. M & T bank then processed as a regular payment ( On XX/XX/22 ) and the full amount was not applied to principle.I called M & T bank to rectify the issue, after over an hour on the phone they told me that they would not correct, i explained to them that they were mis-applying the funds and that per banking regulations they had to apply as instructed by the customer. They told me that if i wanted to pay principle i would have to do it prior to the due date for the current payment which was not past due and refused to make the correction, I have never miseed or made a late house payment in my life. I can provide banking all banking information as well. 

Thank You, XXXX XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed Capital One to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in NY for nearly a decade as I've been living in Michigan. Yet Capital One and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.
Consumer complaint received 2021-11-03
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. (NJ)

I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by XXXX XXXX XXXX. The situation all started when I called XXXX in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX Bank. I was told that I can schedule onetime payment over the phone till XXXX send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from XXXX, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX Bank and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by XXXX on my credit and my husbands who is also a signer on the car loan. I called XXXX on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by XXXX on XX/XX/XXXX was not uploaded into my file till XX/XX/XXXX.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing sentry credit agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

after discovering the fraudulent account in my credit report I immediately tried to get the account closed and dissolved. I made a deal with the creditor to pay the small balance off and get the account in good standing and I would keep the account to build credit, the creditor agreed to remove all negative remarks on the account being that the account intially was opened fraudulently. here it is five years later the account although current and never later since I took over the account but its still being reported negatively, I've made multiple disputes trying to get the account reported correctly without any success I need help with this matter.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2022 I sent certified mail to this person and they received my dispute letter on XX/XX/XXXX, according to XXXX records. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. The XXXX explained that since this person has charged off the account that they're reporting, said account is now considered earned income. Income does not get reported to consumer reporting agencies. However, they are actually still reporting the account as a bad debt/charge off which is inaccurate and against federal law. There is a section in the XXXX that governs this person and they are violating federal law in multiple ways, including the XXXX. They should not be reporting any account with my name because I do not have business with this person and I've clearly provided them with enough information about their willful noncompliance and disregard for federal law and enough time to delete the account. They are still reporting this inaccurate information and it needs to stop plus be deleted.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by Honda Financial Services. The situation all started when I called Honda in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX XXXX. I was told that I can schedule onetime payment over the phone till Honda send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from Honda, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX XXXX  and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by Honda on my credit and my husbands who is also a signer on the car loan. I called Honda on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by Honda on XX/XX/XXXX was not uploaded into my file till XX/XX/XXXX.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I was sent a email from Experian about my credit. As I looked into why my score was so low I noticed that on " my score profile '' the negative aspects of my credit are listed as " XXXX accounts paid as agreed. '' " XXXX XXXX paid down on installment loans '' and " no revolving activity '' which their own Experian report shows I have multiple accounts, revolving and installment, paid on time and as agreed. My Experian score is XXXX at this time while the other reporting agencies are over XXXX with the same accounting and reporting information. This leads me to believe that Experian is not accurately adjusting my score based on the tradeline info they are receiving from creditors. I have attached documents from their website. I chatted online with customer service and they didn't help or even seem to understand what I was trying to explain. Next I called in and the customer service rep. said I would have to take that issue up with XXXX XXXX. XXXX XXXX said they don't provide Experian with scores directly and that that would be a internal issue. I appreciate your time on this matter.