davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX REGARDING MY XXXX  XXXX XXXX THEY REPORTED STOLEN AFTER I PAID IT OFF IN FULL TO XXXX XXXX XXXX XXXX XXXX IS TRYING TO CHARGED ME XXXX FOR A CAR MY IDENTITY WAS STOLEN AND USED TO PURCHASE VEHICLE. 
XXXX XXXX XXXX OF XXXX AL HAS I DENTITY THEFTED MY HE HAD GONE TO XXXX  IN OHIO AND XXXX IN M Y NAME XXXX XXXX STOLE XXXX FROM THEY DIDNT ISSUES ME A NEW ACCOUNT THEY CLOSSED MINE AND CALLED ME A XXXX. 
XXXX XXXX XXXX XXXX  XXXX TOLD ME ACCOUNY CLOSE D FOR NO REASON PROBABLY BECAUSE XXXX stole over 1,000.00 outta my account from academy by the account is still open and academy keeps giving me fees so it goes into the negative so they can drew me over Every inquiry on my credit report is fraudulent all 94+ of them XXXX student loans some one went to school in my name I don't have a degrees and I hate school. 
Grip my car insurance company didn't even help me with XXXX XXXX reporting me car stolen because I have all my paperwork. Grip let me report it stolen becaus basically I ca n't drive it
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX, I charged and item from Wayfair-Comenity in the amount of {$130.00}. 
On XX/XX/XXXX, I paid off this charge in full. 
In XXXX, XXXX was was billed for this item again. I have made many phone calls to both Wayfair and Comenity Bank to resolve this matter, I have a receipt from Wayfair from XX/XX/XXXX, showing this item was paid in full leaving my balance with Wayfair at {$0.00}. 

I have a letter from Comenity Bank saying, this error was corrected on XXXX/XXXX/XXXX, with the purchase posting on your account. 

I have received another bill from Wayfair-Comenity on XX/XX/XXXX with a late fee of {$5.00}. 

I called Comentity again on XX/XX/XXXX, at which time they informed me the matter is under dispute again. 

I am concerned about my credit rating at this point and am unable to get any resolution from the company.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My XXXX XXXX XXXX mother recently XXXX away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX XXXX XXXX and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Capital One Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And XXXX knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Cap One charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( Capital One ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by XXXX. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Capital One bank?
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and transunion has continuously and falsely verified this alleged account. Both XXXX and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2023-03-23
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. (NJ)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I refinanced my mortgage, and PHH Mortgage purchased the servicing agreement, in XX/XX/XXXX. My previous service company originally indicated that they would pay the 1st installment of my XXXX taxes, however, when the payment came due, they failed to do so. I contacted my previous service company but also noticed that the money for my taxes had been escrowed with PHH Mortgage Services. At the beginning of XXXX, I contacted PHH mortgage and spoke to someone in their customer service department. I didnt her her name, however, she reassured me that my taxes would be paid, and that PHH would be responsible for any late fees. On XX/XX/XXXX, when my taxes still had not been paid, I telephone PHH Mortgage again and this time was requested to email a copy of my unpaid tax bill to customer care, which I did. 

By midXXXX, my taxes still had not been paid so I telephoned PHH Mortgage again, to find out when my taxes would be paid, only to be told that I should email customer care and the tax department, which I did. On XX/XX/XXXX, my taxes were showing as delinquent on the XXXX County Treasures website and I was livid. I telephoned PHH Mortgage again and was forwarded to an escalator named XXXX, who reassured me that this matter would be rectified immediately. Please see enclosed, a copy of my tax bill for the 1st installment of XXXX. To this day, my taxes remain unpaid and show as being delinquent. 

I am an Illinois XXXX XXXX XXXX. I cant have my taxes being shown as delinquent. The money is sitting in my escrow account. Each time I call PHH Mortgage they say the tax department is investigating the matter. What do they possibly have to investigate that is taking so long? 

Your assistance in this matter is greatly appreciated. 

Kindly, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I wrote a check ( # XXXX ) in the amount of {$1200.00} On the same day, I put a STOP PAYMENT on the check. 

On XX/XX/XXXX, the bank paid out on the same check ( # XXXX ). 

On XX/XX/XXXX, I walked into my branch ( Bank of America XXXX XXXX ), and spoke to the branch mgr. I explained the situation. I told her that I was surprised that the check was paid by the bank. 

Her response was, " it should not have been paid for 2 reasons ; 1 ) its a stale check and 2 ) a stop payment was put on it '' With me in the room, branch mgr called customer service. She was surprised to hear that STOP payments expire after 6 months. And checks do not go stale. 
She was very surprised. And I was too, of course. 

I was not informed that STOP payments expire. 
Also, the check was presented months earlier, and block by the bank. So the thief waited for the STOP payment to expire. 

I was not notified that the check was presented earlier easier.
Consumer complaint received 2020-10-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Back between XXXX and XX/XX/XXXX time period I undercame financial hardships. Every month i called capitol one and let them know about it. I can not tell you the amount of time i spent on the phone with them. I spoke to supervisors and they told me to make bucket payments so i did. I also explained to them that I get paid on the XXXX of the month so it would be easier for me to make the payments on time. They never helped me with that request either. I made payments each month and i called when i did. i had zero help. so early XXXX, i got back on my feet and paid the card off in full. They restricted my account which has a XXXX credit limit and after several calls they will not lift that nor take away the 19 complaints / remarks they have on my credit report. 

They knew who i was because i was told we are so happy you are back on your feet. When I asked about removing the remarks they told me no and refused to help me. 

It has then given me a poor credit rating and high interest rates an denials on my credit. 
I am going for a house in XXXX and i deserve my house! i pay all my bills on time. I need help to have all these remarks off my credit and my account reinstated. 

I also wrote a letter to all their addresses and received ZERO response. I still get statements for them against this account. I deserve what is mine ; my freedom. 

Thank You, XXXX
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Re : Charge-Off Account XXXX DearBANK OF AMERICA I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form 3949-A to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form 1099-C that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision.as this credit card was a SECURED card, meaning i put down a deposit in case of account closure. So it is inaccurate to report a full balance of {$510.00} considering you kept my deposit. The deposit should have went to the balance. It is also inaccurate and unfair to report taxable income on my report. Any violation of the FCRA entitles the consumer to actual damages and monetary compensation. 
This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy.

Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form 1099-C within 30 days. Failure to comply will result in further action.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX  credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up Equifax credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I reviewed my Consumer Reports and noticed that I had two late payments 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. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be updated to status of : Paid, Closed/ Never Late as it should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-05-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Nature of complaint : Select Portfio Servicing ( SPS XXXX is charging me {$330.00} in fees and {$56.00} in unpaid late fees. 

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) notified me that they were granting a repayment agreement to allow additional time to repay the past due amounts on my mortgage by making additional payments in addition to my regular monthly payments. The total past due was {$3300.00} and the amount became part of my new total monthly payment listed in the Repayment Agreement terms. Per XXXX XXXX XXXX, the amount included all past due payments of interest, principal, and escrow as well as any outstanding fees and costs including unbilled fees and costs. The Agreement would began XX/XX/XXXX and would continue through XX/XX/XXXX. The regular monthly payment of {$550.00} would increase to {$870.00}. The Terms of Agreement was 12 months and if all new total monthly payments were made on time I would resume the regular scheduled payments under the Note and Security Instrument. I signed and accepted the offer. 

On XX/XX/XXXX, XXXX XXXX XXXX notified me that my loan was being sold, assigned or transferred to XXXX XXXX XXXX ( ShellPoint Mortgage ). The XX/XX/XXXX payment went to XXXX XXXX XXXX and the remaining eleven ( 11 ) payments to XXXX. I completed the agreement on time however in XXXX I wrote XXXX four times addressing the fees and they failed to answer. XX/XX/XXXX XXXX transferred the loan to SPS Select Portfio Servicing and Im still trying to resolve the issue. SPS provided me with a payment history from XXXX  with transactions dates beginning XXXX thru XXXX ) and they were not my lender in XX/XX/XXXX thru XX/XX/XXXX. 

Currently, I am in default with my mortgage ( Im due for XX/XX/XXXX and XX/XX/XXXX after Social Security intercepted my benefits for an overpayment ).
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to XXXX XXXX and TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX I started a refinance with Loan Depot ( XXXX XXXX ) and was given a quote and he asked for money upfront for appraisal and credit report. He then told me that my appraisal would be refunded at the close. With all the estimated closing statements I asked about the refund and they told me that would happen at close. We finally funded on the XX/XX/XXXX and there was no credit for the appraisal. I have called the LO several times and he does not return calls or emails. After filling out their survey I did receive an email that said my appraisal was credited but when I asked where they said page 2. There were no appraisal credits on any page. I am just trying to get them to honor their word.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

Our mortgage was sold to NewRez. Payments were made successfully for three months, set up auto payment, letter received all was set up and good. Payments were taken out from our bank account, payment posted on mortgage site, then received notification of lack of funds, reverse payment, late fee for four consecutive months, with no money going back into our bank account, which has the funds no question. We contacted NewRez, who then had us contact a second company, Shellpoint, who has not contacted us about resolving the issue and who has now contacted us about potential foreclosure if not paid. We have paid, money has been taken out of our bank account, and we may have overpaid at least one month for this snafu. Paperwork originated from NewRez, now that we have contacted Shellpoint, the paperwork is now coming from Shellpoint, with no notification of the company changing names or our mortgage being sold again.