davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CBC Mortgage Agency (CO)

On XX/XX/2021, I first notified CBC Mortgage/Chenoa Fund of difficulties I was experience with a lender that the approved to use their Chenoa Fund XXXX XXXX XXXX mortgage and asked for assistance. 

The company ignored this email. 

On XX/XX/2021, I sent a follow up email, advising CBC Mortgage of my situation and of the complaints that had since been filed with the CFPB and AZ Dept of Insurance and Financial Institutions, where the primary lender/loan officer is located. 

I sent a third request to XXXX Mortgage on XX/XX/2021, with even more information and additional supporting documentation of the serious issue at hand with the original mortgage. 

I have since then called and spoken with XXXX XXXX, who advised that the company denied my request to have them remain in the subordinate 2nd lien position while I refinance my loan, as suggested by AZ Dept of Insurance and Financial Institutions to rectify the issues surrounding the original mortgage settlement. XXXX has not provided any additional information as to why my request was denied, even though I both called and emailed requesting for a specific reason that my request is not inline with their own policy, as it appears to be the exact situation their policy covers. 

I believe that I am well within compliance for the policy to receive an exception from CBC Mortgage to have them remain in the subordinate 2nd lien position as I refinance as it has been discovered discovered that the original loan has a loan defect, and according to their own policy, CBC Mortgage would subordinate to this refinance, as a cure to the defects in the original loan. 

The defects and neglience of the original lender/loan officer has been documented and reviewed by AZ Dept of Insurance and Financial Institutions and the original lender themselves ( XXXX XXXX  ), agree that there were defects in the handling of the original mortgage loan and settlement. The original lender, has so far corrected some of the defects, and covered expenses to do so and we are hoping they will continue to do more to correct the remaining issues.

CBC Mortgage/Chenoa Fund seems to not hold themselves accountable to their own policies and I am asking another government entity to review and intervene.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

I have been contacted by the same collection agency, Radius Global Solutions LLC, regarding a debt of {$56.00} on XX/XX/XXXX and on XX/XX/XXXX. I have disputed this debt as not being mine both times and it was removed from my credit report by all 3 credit bureaus. I have recently received a 3rd request to collect this debt from the same collection agency.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (GA)

I called customer care because I noticed an incorrect minimum payment due of {$63.00} but my minimum is always $ XXXX/month and I've never been late for my XXXX  credit card. I spoke with XXXX ( ID : XXXX ) and explained that i was in the hospital and as soon as i was released i submitted payment but I also let her know I had called in and told them about the surgery. My account was assesses a {$28.00} late fee which is incorrect. XXXX was able to reverse the late fee but was unaware of how to ensure there is no late reporting to my credit report nor was able to reverse the minimum payment of {$63.00}. She said she could not guarantee the balance would be corrected nor would she able to ensure I would not be charged a new late fee because I refuse to pay the extra {$23.00} after I made a payment of {$40.00} already.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I originally opened a credit account with Capital One Bank. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to buy a purse online from a company that used PayPal as an option. I used paypal specifically because of the.protection offered and trusted vustomer base they have. The website appears to have been fraufulant. Paypal released the funds to the company and denied my claim that they are fraud and i havent received tracking number or confirmation emails. When i was denied paypal said i.could ask additional questions via email, which i did and now i am getting no replies. The amount was {$52.00} on XX/XX/19. The funds were immidiately released to the seller names XXXX XXXX selling under a XXXX XXXX I triednto.rectify with the seller XXXX PayPal and received no reply, tried to email the website 2 times and PayPal 2 times now, nobody is replying. I want a refund for my money because i have not received what I bought. My moneynwas stolen usingbthis " safe '' form of payment.
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I lost my job XXXX XX/XX/XXXX during the pandemic. and fell behind on my mortgage payments in XX/XX/XXXX. I contacted select portfolio mortgage company and let them know the situation in XX/XX/XXXX and ask for a mortgage mortification or any help i can receive from them. Select portfolio advice me that they were working on sending me a package as well as working on getting information from my previous mortgage company green box mortgage. I never received any package from select portfolio however they reported my missed payments to credit reporting company. In XXXX I received a call from them telling me that they were giving me a forbearance from XXXX because of the snow storm since I was in a female area. Im still waiting to hear from my mortgage company for a forbearance from XX/XX/XXXX. I can not seem to be able to speak to anyone at this company who understand the situation and can give me the answer to my question. They have now canceled me escrow account which was created to pay my insurance and taxes. I am paying my home insurance every month now because they have refused to pay it. I need help with communication with this company. I need an extension on my forbearance as well as them removing the reported miss payments to the credit reporting company. This company is not helping and I do not want to loose my home. The pandemic had a toll on me which caused me to loose my job. I had to take a job I XX/XX/XXXX for half the pay i was previously getting but that's what I had to do to get back into the work force. Select portfolio is not working with me and I do not want to lose my home.. Please help.
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$870.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-01-28
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)

I received notice that you verified certain items on my credit report from the following companies : Account Name : XXXX XXXXXXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX  XXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX BANKRUPTCY COURTXXXX  REFERENCE NUMBER : XXXX, Account Name : XXXX XXXXXXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 


Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? 
Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MA)

In XXXX I purchased a car at a reputable dealership in NY and was offered the Credit Acceptance XXXX XXXX loan. I was a newly divorced, single mom with not much credit and in need of a car. I was mislead to believe this was an honest loan company, but they have been predatory and changed the terms of the loan I signed up for, and have been fraudulent with me multiple times. I have paid every month, however, during the pandemic when income was dangerously low, the company said they are offering loan holders a payment hiatus with no penalties until things improved in our country 's workforce. Even though I was told by Credit Acceptance that I could resume payments at a later date, I still paid {$200.00} per month ( original monthly amount was {$500.00} ). After the pandemic crisis, my balance went up astronomically, and I was saddled with enormous late payments, interest and hidden fees. They also reported those months as late payments to the credit bureau and my account is listed as in delinquency. This was fraudulent and has severely impacted my credit score rating. I am in an enormous amount of debt now with this loan. The loanbalance is almost the same as when I bought the car, and even though I pay auto-debit {$500.00} per month every month, on time, they continue to charge me with monthly late fees and say they wont take the late fee or delinquent status off my credit report unless I pay {$11000.00} immediately. I have been paying the agreed {$500.00} per month for many, many months now! When I told customer service recently that my pandemic arrangement never included information about going into delinquency, they denied it. They flat-out lied. Customer service seemed more than happy to work with me in the height of the pandemic, and I was always on top of communicating with them ( and how could I not -- they called me multiple times a day, bordering the. fine line of harassment ). Meanwhile, I am afraid this old car will die before I can sell it. The worth of the car is now MUCH lower than the loan balance. My credit is suffering. Before I set up my auto-debit, I was 1 day late with my payment and they repossessed my car twice. I feel imprisoned by this scam company with no way out. I am a single mom who works very hard and pays all my bills on time. I am trying to build my credit and future for my child and this terrible company is ruining any chances I could ever have to purchase a home or another car or get ahead.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I received 2 debit/gift cards for XXXX. One for {$50.00} and a second card for {$25.00}. When I tried to use them there was no balance on them. They were purchased at XXXX on XX/XX/2022. The issuer is Vanilla, Vanillagift.com, Cards are issued by XXXX, XXXX. Pursuant to license by XXXX XXXX. XXXX is distributed by XXXX XXXX XXXX XXXX. The contact phone number on the cards is XXXX cards are numbered XXXX, and XXXX. I retrieved all the information requested by XXXX and e-mailed it to them. I have called them 4 or 5 times. They keep jerking me around every time. They say we will e-mail with either new cards or that the cards will be supplied with the proper amount of money. Every time I call I get a different story, and a new promise to hear from them in a day or two via e-mail. I have wasted nearly 5 hours of my time with these thieves on the phone. This is not a business it's a robbery scam. I can't call them any more, I won't waste any more of my time waiting on the phone.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2021 I settled with the Debt Collector XXXX XXXX XXXX On Capital one and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. XXXX XXXX XXXX has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XXXX {$1300.00} XXXX {$520.00}
Consumer complaint received 2023-05-12
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. (FL)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your companies. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Report and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!
Consumer complaint received 2020-07-01
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. (OH)

This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have asked Experian Credit Reporting agency, XXXX credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to Experian was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

Experian has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure Experian did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I will keep on refilling this to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I only have one checking account. 
My checking account is with XXXX XXXX in XXXX XXXX Texas. 
I do not have a joint account with anyone. 
I have a single savings account. 
I have a single checking account.