davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (NJ)

You made a decision to shut down the states which was good. You didnt make a provision for residents against timeshares who are financial XXXX. Aspen National Collect LLC from XXXX Fl ( XXXX & XXXX ; fax XXXX ; XXXX added additional charges to my maintenance fee & claim will continue if I dont pay them Maintenance Fee is XXXX & Taxes is {$190.00}. Their total is {$1600.00}
Consumer complaint received 2022-08-22
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. (FL)

Clearly equifax did not throughly review any complaint I have filed because the credit reports are supposed to match all XXXX buearus XXXX saw the errors and immediately deleted I have provided proof below
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (VA)

I got a home equity line of credit with TDBank in XXXX, XXXX For well over a week, my attorney, real estate agent and myself have been promised a HELOC letter stating the payoff balance as I have sold my home and need to pay off the HELOC in order to close on the property. TDBank staff initially stated that I simply needed to stop by their lobby to get the letter - that was not accurate and they turned me away stating they would need a 1 day turnaround. After one day, we were informed that a 3 day turnaround was needed - that was not accurate and we were informed that a seven day turnaround was needed. After seven days, I still have no letter. I have been infromed that the rate lock is good only until today, XX/XX/2020. I am angry and frustrated and getting no response whatsoever from TD bank. Please help.
Consumer complaint received 2021-02-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

COMPLAINT ID XXXX-XXXX  SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process My issue ( s ) continue : The mortgage company PHH is not currently working to resolve my previously reported issue ; nothing is currently being done to correct the now issue, as they incorrectly resolved the previous one.

I followed-up with PHH 's Escalations Department ( on XX/XX/XXXX ) and was told that my account had been brought to current, and all I now had to do was pay my mortgage amount for the month of XX/XX/2021 ( PROBLEM is, that I've already paid the mortgage for the month of XXXX ( in- full ) on XX/XX/XXXX - which should make my next payment due in XX/XX/2021. 

Now, rather than being behind the one payment they misapplied and was supposedly working to correct - they've now indicated to me that I owe for the entire month of XXXX ( indicating that I'm now a full payment behind ). It's obvious that PHH is not structured correctly to handle Flex payments - even though the offer it. I reached out to them, and they've now cancelled Flex-payment, the last being XX/XX/XXXX ). ON XX/XX/XXXX, I paid my full mortgage amount for XXXX - the next should be due in XXXX. 

I have paid all mortgage payments obligated, and my PHH Dashboard Payment history reflects this fact - but, PHH 's " Payment due '' is always incorrect. It now stated that I am 14 days past due.

While this issue drags out ( now over 2 months ) it has and continues to negatively effect my credit history and is causing considerable stress to myself and family, during these trying world times. The company is negligent ; is seems if anyone form PHH was actively concerned with resolving this issue, it would not take so long to resolve such an obvious issue. The Payment history which is available on their PHH sites holds the obvious answer to a simple resolution - apply the payments correctly. 
I subscribe to a credit reporting and monitoring service. I received notice this month that my credit score had dropped 43 point. I inquired and was told that it was due to " late payments '' reported by my mortgage company. I went from the 800s to 700s. Is their a plan for them to resolve this developing issue? - they don't seem very concerned as I've still received calls from PHH 's Collect Department, and it obvious they've falsely reported to
the Credit Bureaus ( while they're supposedly working to resolve the issue ). It's so blatant that is seems deliberate.

PHH now reflects I'm 14 days late for XX/XX/XXXX ( which I paid in-full on XX/XX/XXXX ). While they supposedly work and continue to draw-out the resolution of an issue of they're own doing - I continue to be affected by the incompetence and negligence in resolving this issue. 

Note : Although, I wrote to CFPB on XX/XX/XXXX, the issue with PHH was reported and supposedly being worked well over 60+ days
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I made a purchase on XX/XX/XXXXXXXX  in the amount of {$2000.00} on my Discover Card to XXXX XXXX XXXX. I was set to go on a trip in XXXX of XXXX, they initially re-scheduled my trip to XX/XX/XXXX. 

During the Pandemic, the company of XXXX XXXX XXXX filed for Insolvency. I was informed to reach out to the Credit Card to file a dispute. Which I did, multiple times. 

Discover has since said I need to reach out to the Merchant to resolve this, that there is nothing else they can do on their end. But as I explained, the Merchant is no longer.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My home loan was sold by my previous mortgage servicer to XXXX XXXX XXXX  around XXXX of 2015. Since then, they have been adding a balance of about {$900.00} for legal fees that they claimed they inherited from my previous mortgage company. I have contacted them many times via phone and email asking for proof that I owe this legal fee, but they failed to show any signed documents showing that I owe this amount. My last conversation with them was today and the rep said she would send me the document showing what I owe and she basically sent me a payment history showing that I was never late and a letter from ShellPoint showing that I owe a legal fee of {$520.00}. I asked for rep for any documents signed by me showing that I owe this amount and I also asked her if this was something Shellpoint inherited from my previous mortgage servicer, how come they never asked me about it for 5 years and suddenly when the loan was transferred to Shellpoint, the legal fee was added to my monthly statements and she did not have an answer. At this point, I feel that ShellPoint is scamming me and I suspect fraud since they can't come up with anything. The only communication I received from ShellPoint was a letter stating that they would look into the request and let me know and they never got back to me. I disputed the amount several times but they never responded to my request with either evidence showing what I owe or a solution to resolve the situation. I would like this fee removed since ShellPoint can not provide proof. I am attaching a copy of my statement history showing that I was never late for a payment and a copy of the account status document they sent me when I asked for proof showing that I owe this legal fee. My loan number is XXXX, mortgage services, Shellpoint Mortgage, XXXX, SCXXXX, phone XXXX, www.shellpointmtg.com
Consumer complaint received 2022-08-22
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. (MT)

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/2022 around XXXX, I was using my PayPal account to make some purchases online. I noticed a subscription service that I no longer wanted so after finishing my purchases online I went into my account and decided to end the debit card associated with these unwanted purchases and order a new debit card. Immediately my account was permanently banned without warning and all my funds XXXX XXXX XXXX were locked to my knowledge indefinitely. After calling to speak with customer service they informed me that my account had been permanently banned for fraudulent activity and I had broken policy for using a XXXX  service while accessing my PayPal account and that it would have to be reviewed whether or not my account can be unlocked. The thing is I have received direct deposit to my account for the last 8 months from my employer. I have proven my identity to the PayPal representative and I have not done anything fraudulent. I have had my XXXX  active while accessing the account the entirety of the accounts life. Then, suddenly, without warning, I am breaking their policy and my funds are no longer accessible. Because of this my livelihood has been affected and my finances are pushed back weeks. When I got off the phone with customer service they told me to wait for an email explaining what the review on my account has decided and they have not emailed me at all. It has been 5 days since I was supposed to receive an email and I was told it would be no more than 3.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

I have requested American express to review the billing issue which is overly charged me, XXXX never returned the money which stated I have the credit in my cold card activity end of the year XXXX, erred to put in the monthly statement show credit me, it indicated the summery of the each transaction and monthly statement are not matched, it is wrong to have this kind of practice, I have contact American express in early XXXX, it misled me that they credit me showing the monthly statement, I truly believe American express never refund me the money after I found out the balance of summery of the activity in XXXX, XXXX is different from of the balance of monthly statement, since then I contacted american express multiple times each month customer service regarding this issue, they ignored me.I filed case no. XXXX, wished to upload documents online to proof American express owes me {$11000.00}, I was not allowed to upload the documents, I sent email the attachment to customer service, got return the files today on XXXX
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper contacted us multiple times to offer to refinance our mortgage. The home advisor reviewed our credit history and guaranteed that we would have no problem refinancing our loan. After paying to have our house appraised, we were already on underwriting when the company contacted us saying that the refinancing would not be possible. We have contacted Mr. Cooper and the home advisor multiple times and they have refused to refund the amount we paid for the house appraisal and have not offered any solution to this issue. The house appraised for more than expected. We paid {$620.00} on XX/XX/2021 and we have been back and forth with them since the summer. We have been Mr. Cooper 's clients for years and did not expect to be treated so poorly.
Consumer complaint received 2022-08-22
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. (CA)

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my twelfth ( XXXX ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (FL)

REMEDY This is about the Consumer Report received via mail, I came to know about a few inaccuracies and even some fraudulent information and accounts that was reported in it. 
While According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
O As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o. 
I hereby grant your Company, the opportunity to remedy this matter by doing the following things : 1. DELETE FEOM CONSUMER REPORT 2. I DEMAND {$1000.00} for damages Thank you for your cooperation
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Good day sir/madam, My name is XXXX, my Chase Checking Account was hacked on Friday, XX/XX/2022. I received an automated Chase Fraud Alert, and I Declined the transaction. That morning not sure how they did it, but the Hackers took {$1400.00} from my checking account without my Authorization. I've been disputing and fighting this for over 2 months, and Chase is declining my request. I had provided XXXX Gas Receipt, Police Report, and Bank Statements. I can not be in 2 Places at once, I had told them, I was gassing up at XXXX XXXX, NJ ( XXXX ) and the ( 2 ) transactions took place in Chase Branch XXXX XXXX XXXX XXXX NJ ( XXXX or XXXX ), it's a XXXX drive depending on traffic. Supposedly, according to Chase Representative, the transactions were done using Phone Tap feature. I DO NOT have that feature on my phone, I use a physical card, as I mentioned to Chase Claims/Fraud Department . Please review and advise if you can help me out. 
thank you in advance, Sincerely, XXXX
Consumer complaint received 2022-08-15
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. (TX)

I have placed disputes in regards to my payment with XXXX about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that XXXX is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.
Consumer complaint received 2022-10-03
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. (CA)

I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. Thank you.
Consumer complaint received 2022-04-26
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. (MA)

I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

To whom it may concern : I have been trying save my home for the last several months. My lender keeps insisting my home is non owner occupied. I am here and have been living in my home. For the past 30 days my counselor XXXX XXXX has been fighting with them to save my home but the underwriters continue to fight back and insist that my home is not my home. That it is non owner occupied. My husband and I have been here for years! They can send whoever they want to my home and check that I am here. I have also sent several documents for proof that I am living here. They continue to ignore me! 

How is one single person going to decide if I am not living in my home! This is absolutely insane. I am trying to save my home, please help me!
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of XXXX I decided to help my mother with an XXXX XXXX she needed done and did not have all funds so the Dentist office suggested she should have someone help finance the surgery through care credit, which we did. I got approved for XXXX which helped my mother a great deal and shortly started making payments on our card. One year after paying monthly, Care Credit took all the money we had paid toward the card and said we had forfeited the promotional purchase and now instead of owing XXXX I owe XXXX which I think is ridiculous, why was I not informed of this, why are they going around giving people credit without explaining this Very Important information with the customers. I need your help someone needs to stop these multimillion dollar companies rob the blind.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

XX/XX/2022 I made a purchase online XXXX XXXXXXXX XXXX XXXX/ for {$490.00}. They said I would be provided with a tracking number once purchase was made. I tried contacting daily for the number and finally they responded today stating they needed {$200.00} more to cover shipping insurance. I contacted my bank and told them I needed a refund for a payment made using the banks XXXX app. The bank said no buyer protection is offered using XXXX and nothing they could do. This is PNC bank that I bank with. Please help