davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX, XXXX XXXX XXXX XXXX  stated I owed an old debt to Wachovia bank. Stated it was sold to them in XXXX. They had me previous and current address and my social security number. They stated if I didn't resolve the debt during the phone call they would send the case to an attorney and my bank account would be frozen and the XXXX XXXX would be implemented.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (IL)

XXXX  XXXX they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX at XXXX XXXX I went into the Chase Branch and worked with XXXX XXXX to Update my name as Ive recently married. I provided her with copies of my new drivers license, social security card and marriage certificate. All documents reflected my married name, XXXX XXXX. She stepped away to copy my documents. She indicated she ordered my new debit and credit cards to be shipped to me with my new legal name. However, only my debit card is reflecting my new legal name. I received my credit card but it has my old legal name, called the number on the card and was informed they couldnt tell me if my documents that XXXX copied were on file. I was informed I have to resubmit all of my documents again. This is potential fraud as XXXX stepped away to take copies yet none Of the documents are on file and my credit card info does not have my new legal name! I need my account info to reflect my new legal name and that includes my credit card. Also, why would the documents I gave XXXX apply only for my debit but not my Chase credit card!?! Its the same bank just different product!
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (VA)

On about XX/XX/XXXX I first contacted the company regarding the debt on my credit. I advised the company that the debt was incorrect and I did not owe that amount. The representative became very nasty and yelled that the only option I had was to pay the debt on full. I continued to advise her that the debt was not correct only for the representative continued to talk over me and say that she didnt have to provide me with any information about the debt besides the amount I owed I called again on XX/XX/XXXX. I again was yelled and and demanded to pay the owed amount I begged for assistance only to be told that they had talked to me about it before. Also while I was waiting on hold the representative called me on a in state ( VA ) number. She states that the system hung up on me when it had not.
Consumer complaint received 2022-07-08
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: I.C. System, Inc. (GA)

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Accounts # XXXX I.C. systems Inc, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 paypal froze money in my account of XXXX and are withholding 10 % of purchases made via paypal on my business moving forward. When i contacted them to find out why they said the industry I am in ( selling toys ) is a high risk industry and therefore want to hold funds and not give it to me. I asked the reps to look at my account and tell me if I am a high risk business and they confirmed that I am not and my business does not show being at risk with past 2 years history. I let them know I need the XXXX to use for purchases from manufacturers to supply the customers with product and they did not care. Our business is mainly pre order so with the funds not released we will not be able to purchase the product and therefore paypal is causing our business to fail and become fraudulent in this manner. I spoke to the resolution team and provided them with my business license and information along with 100s of pages of invoice and even letters from the companies showing I am an official retailer. They let me know they still did not care and will continue to withhold my customers money from me. I told them I wanted to speak with someone else regarding this and they said they will not do so and any emails and phone calls going forward will be ignored to try and get my money. They are keeping it in an interest bearing account so they can make money off what is owed to me.
Consumer complaint received 2020-05-13
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. (MD)

The credit bureau Experion are refusing to remove false information from the credit score factor, EXPERION has been changing the false factors from one thing to another 11 times throughout XX/XX/XXXX-XX/XX/XXXX And for each time that this has happened there are no explanation, for how ( the factors has information that are not form my credit file ). the state of Maryland give me the right to find out the name of the person who was task with the responsibility of the investigation and conclusion conclusion that request has not been granted Now this is the 34th time EXPERION HAS USED THE SCORE FACTOR. As its own independent means of destroying My credit and many other people also. Because score factors was not designed to contain information that is not from the credit file, but that is what is happening now. And when you point that out to an employee of EXPERION all they do is transfer me from the dispute department to the membership department, back to the dispute department. 
That will never be fixed, Like this. The score factors say I only have two Accounts paid as agreed I have five accounts basically three open And two close. The score factor says Ive only paid 23 % of my car loan Ive paid 34 % 1/3 of my total car loan. My age of credit three years eight months the score factor say thats too short last year it was not too short.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MN)

I have a police report when my wallet was lost and had my social unit, I contacted the company and XXXX XXXX to let both of them know that this that is not mine. They have not done nothing to help me the company, but keep threatening and calling. On a daily basis, after I have told him that there is not mine, they also they dont see the proper things they dont say this is a recorded line and they dont say what companies are calling from
Consumer complaint received 2021-09-23
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. (MD)

Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down. 
Some student loans are reported on my credit report twice ( which needs to be removed ). 
Student loans have had a direct impact on my credit score. 
I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

There were fraudulent charges placed onto my Chase checking account, by someone else and the account was closed for no reason. The account number was XXXX. This account was closed about two years ago. I also disputed a battery that ultimately ruined my vehicle and my life and this company refused to give me a refund from XXXX XXXX as well as XXXX XXXX XXXX XXXX, NJ. I am shocked and appalled that this discrimination is happening to me. I am so very upset and saddened. I have a few complaints at this company and it seems as though people are trying to have me murdered.
Consumer complaint received 2020-09-08
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: ALLY FINANCIAL INC. (NY)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$16000.00}.
Consumer complaint received 2020-05-13
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 (CA)

I have an established agreement with XXXX XXXX due to being impacted by the pandemic and XXXX is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.
Consumer complaint received 2023-01-12
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)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

My husband ( XXXX XXXX ) and I purchased our home in XXXX with a first and second mortgage with Ocwen ( now PHH ). We were able to get from under PHH with the first mortgage. However, the second mortgage which was originally {$45000.00} at 12 % in XXXX with a monthly payment of {$480.00} and only {$2.00} or {$3.00} going to the principal. We have made timely payments with no late charges or returned checks. This is XXXX and the current balance to date is {$44000.00}. The monthly payment remain at {$480.00} with only {$22.00} going on the principal. Yes, to date we have payed PHH over {$70000.00}. Yet, they ( PHH ) sends us an end-of-year tax form stating that we have only paid {$3000.00} in interest and we have paid much more. We have call PHH ( Ocwen ) several times in an attempt to get a lower interest rate and/or refinance and have had no success. 14 years later we have only paid {$860.00} on the principal. PHH ( Ocwen ) is literally robbing us.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I received a letter stating that one of my employment filled out the application incorrectly. Ive tried to get in contact with Mohela to rectify the situation and Im unable to get through anyone. Its asking for SSN and once I put it in, Im not in their system. Ive tried calling and its the same thing. Ive tried the get information online and its saying the same thing My information can not be found in their system. This is extremely frustrating as I have completed employment verification every single year. I have no idea how many counts I have or nothing that has to do with my loan. The provider XXXX has no information on Mohela and can not help me
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NC)

Sometime several years ago I began getting statements from Pay Pal Credit and was shocked since I don't pay via pay pal when I order on Amazon.com. I filed a complaint against Pay Pal Credit and soon realized there had been numerous complaints lodged against the entity by thousands of American citizens and the Federal Gov't sued for opening up credit accounts on people without their permission or knowledge. Pay Pal Credit even accessed my personal credit history without my knowledge. I thought the problem had been rectified, but now as of a few weeks ago, I received a letter from Synchrony Bank stating they are taking over my Pay Pal credit line. The letter states Revised Terms as of XX/XX/2019. I don't even use PP Credit. I have a XXXX and an Amazon Store Card and those are the only cards I use to pay for Amazon purchases as those cards generate points that I can redeem for cash. 

How do I stop this? I don't even know what the account number is other than XXXX. I am afraid that someone phishing could steal my identity and run up a Pay Pal Bill in my name. I've already had my data breached via an online nursing continuing education website and my credit is being monitored by XXXX XXXX services for the next year. After that, I do not know what could happen.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (TX)

Dispute to Ford Credit - Late Payment Mark for XX/XX/2020 XX/XX/2020 I was hoping to have a late payment mark for XX/XX/2020 removed from my account to reflect positively on my credit score. I am a first responder whose wife works for a local business. As you can imagine we both have been extremely affected by the COVID-19 pandemic. We were married on XXXX XXXX2020 and bought a house at the beginning of this year. It has been a huge year for us, and we were hit very hard with financial problems as COVID took over -- - my wife has had her hours tremendously cut which put a large burden on us. We were extremely grateful for Ford allowing us 3 months of deferred payments, it helped tremendously. We called on XXXX XXXX2020 after we could not come up with the payment for XXXX and asked for one more month of extension and we were told we could not have an extension but we could schedule the payment for a later date, which would put our account in good standing. So, I scheduled the payment for XX/XX/XXXX, both me and my wifes next pay day. Today XX/XX/XXXX, I received a notice that our account is 30 days past due and that our credit score was affected. I called Ford and spoke to two representatives explaining this entire story, twice, who explained that even though it was scheduled, if it is 30 days past due there is nothing, they could do about it. I explained this information was not relayed to me this way, but I understood to keep peace. I just wish that the employee who helped me schedule the payment would have made me aware there may be a penalty. We have never missed a payment and we both have now found better financial stability as things are moving back to normal and we are confident this will never happen again. This is also my very first. late mark I have ever recieved and it hurt my score tremendously, which is extremely scary during these times. Ford will not budge at all. I even offered to pay two car notes to put me in good standing automatically and they  said it would not matter.
Consumer complaint received 2020-05-13
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: Bread Financial Holdings, Inc. (GA)

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with Victoria Secret, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} ARKANSAS XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}
Consumer complaint received 2020-05-13
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. (TX)

Disputing the amount. Refuse to provide adequate information, XXXX Account {$4400.00}
Consumer complaint received 2020-05-13
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} XXXX  XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I have a conventional loan that I have always been on time with and not had an escrow account. My home insurance provider is no longer covering home insurance and I missed the notice and had a very small lapse in home owner 's insurance. Freedom Mortgage asked for my proof of insurance, which I provided with my new policy for the next year. They said since there was a small lapse they would go back and add in force hazard insurance for the back dates. This was from XXXX the dates of lapse. I tried to call a few times but was told I had to pay their fee of {$100.00} for the backdated insurance so I did. I saw my online statement with a change to my payment amount. I pay XXXX and my new payment is {$1600.00}. I spoke to Talked to XXXX on XX/XX/XXXX and got payment done of {$100.00} for the in force. She said she didn't know why they had put escrow on the account but that she would get it fixed and going forward since I paid the in force escrow my old payment would resume. 
She told me she was making a task for this to go into the funds due to the escrow for the lapse in insurance and by XX/XX/XXXX will be taken care of. XXXX, who was very nice and helpful and assured me it would be taken care of, from Freedom Mortgage also told me the escrow account change taken off with the completion date of XX/XX/XXXX. I called again today XX/XX/XXXX because my account still showed {$1600.00} instead of the {$1400.00} I always pay. The lady I spoke with today said there was a note on the account that since I had a lapse of insurance it was now mandatory that I pay the higher payment and had to now escrow my mortgage for hazard insurance. I explained to her my funds are tight, especially with the current situation and that I have already just paid for another year of hazard insurance, I do not want to also pay an inflated escrow account. She said that was the rule, nothing she can do. I asked if she could please let me talk to a manager as I am never late, and this was such a small lapse already taken care of and she kept me on hold for a while and said no managers were available to speak. I never got anything even stating that I now had a higher payment or would be forced into escrow. When I had called before they said once I paid the in force amount, which I did, they would make sure to have my account changed back before my next payment was due.