davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I received my PIN for myreliacard to receive unemployment benefits on XX/XX/2020. 
Ive yet to receive the actual card and its been three months. Ive called the hotline and sat on hold for over two hours countless times. I called department of labor and they said they could not help me I had to contact the card company directly.
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (VA)

I sold a product on eBay that was fully described as " for parts, not working '' at least four times. The specific defect was the XXXX. The buyer made a complaint to eBay that the XXXX was not functional and wanted to return the product. I declined. eBay made a determination that I had misrepresented the condition of the item as I included the phrase " BAD XXXX. Apart from this, the calculator appears to be fully functional and is in good condition ''. eBay asserts that i misled the buyer even though the buyers sole complaint is the XXXX is non-functional. 

eBay chose to decide in the buyer 's favor even though they did not give me an opportunity to provide evidence to contest the buyers multiple false claims. 

And this is where I would ask the the CPB investigate. PayPal debited my account {$19.00} without any knowledge of the claim submitted by the buyer. I content that PayPal does not have the authority to debit my account with giving me a full opportunity to present my case that the funds not be debited much as they would do in a typical merchant dispute
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MT)

In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.
Consumer complaint received 2020-05-21
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: WELLS FARGO & COMPANY (CA)

MY PLEA TO WELLS FARGO IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY XXXX CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM WELLS FARGO.
Consumer complaint received 2020-05-20
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. (TN)

I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT DOES NOT BELONG TO ME THEY HAVE NOT FORWARDED ANY INFO OR PROOF THAT THIS ACCOUNT IS MY ACCOUNT THIS IS HOLDING ME UP FROM MOVING FORWARD WITH MY LIFE
Consumer complaint received 2020-05-20
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: CBC Companies, Inc. (GA)

Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
Consumer complaint received 2020-05-20
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. (AK)

My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, XXXX  and Equifax are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

The reason for this letter is to let you know that I am having problems with my current mortgage company, Select Portfolio Services. This is a debt collections company and I have been with them since XX/XX/XXXX. They are based in the state of Utah. Because my loan had a high interest rate of XXXX % I asked the company to modify my loan. They sent the paperwork and began the modification. It took quite a bit of time and after several exchanges about papers they denied me the modification. I retained a lawyer and paid $ XXXX/month. It took about 7 months until my situation was resolved and still not resolved to my satisfaction, despite my complaints that the monthly payments were still to high for my modest income ( the interest was lowered to XXXX % for three months trial basis and then they said they would lower it further after trial ). After the trial months they said they could not lower it further. I did not want to but signed up because I felt I had no other options and the company told me I had to take it. One month after I sent the paperwork they contacted me with another way of " helping '' me out ( understanding my income and need to lower my monthly payment ). It was called a mortgage assistance program for people with hardships. I filled out the paperwork requesting permission for them to check my credit and transcript for tax return. After I returned the paperwork I continued to receive letters and further requests for the same paperwork. Most recently I received a letter stating they had received my complete package for loss mitigation. I do not know if loss mitigation is the same as the mortgage assistance program? I am unclear what the next steps are and it is taking a very long time. I am still paying high monthly payments and this is not sustainable. I can not keep up with these payments and SPS is now threatening me with foreclosure. I have been paying for 31 years and I need help. 
TIMELINE : XX/XX/XXXX : purchased home, lender was XXXX XXXX XXXX, interest XXXX % XX/XX/XXXX : refinanced to get lower interest rate, lender was XXXX, the refinance included mortgage, credit cards, car payments - THIS COMPANY SCAMMED ME. When I was negotiating with them they told me I had to take it. 
XX/XX/XXXX : I had made all payments to XXXX and they sold my loan multiple times, the last company being XXXX. While with XXXX despite making all payments they kept sending me a bill for {$7000.00} ( for escrow but I did not know what to do because I was making my payments ), so I ignored it. They started foreclosure process and I did n't know why ; then they started rejecting my payments. Finally I found all the money, over {$14000.00} by then, I paid them and they stopped the foreclosure. 
XX/XX/XXXX : XXXX sent me a letter and told me my mortgage was now with Select Portfolio Services. At that time I called SPS and started the modification process ( as storied above ).
Consumer complaint received 2020-05-20
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. (CA)

information was compromised during the massive 2017 Equifax data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering
Consumer complaint received 2020-05-14
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. (RI)

Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.
Consumer complaint received 2020-05-19
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. (FL)

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-13
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 sold a book on XXXX to a XXXX XXXX XXXX on XXXX ; The transaction of {$240.00} went through Paypal and the after fees the amount of {$240.00} was deposited to my account. The transaction ID was XXXX. On. XX/XX/2020 While checking my account I noticed that this amount had been refunded to Mr. XXXX on this same date. I think that this transaction had just occurred or had occurred close to the time I found out about about it. I thought that this action was by some kind of hacker that had in some way gotten into my account. So I immediately changed my password and tried to inform Paypal of the unauthorized refund. I don, t know how successful I was about this because of the " virus '' I had to write up my complaint. During this last week Paypal has insisted.that I had made the refund and I insisted I didn't. I also pointed out I was out the book and the money. No one ever had asked for a refund or returned the book. Paypal couldn't really tell who had authorized the refund but said it was me..They never checked who they had sent the refund to. During this time they have stopped my complaint on their site. I found on XXXX the address, phone #, and Email of Mr. XXXX. I tried to call him but the phone had been disconnected and no answer to my E-Mail. ( .I also found an XXXX  in the past by XXXX for XXXX XXXX, not that this has any bearing on the present case. I did not authorize the refund of {$240.00}. I think Paypal did. I have not had my book returned. I want Paypal to refund my money-
Consumer complaint received 2020-05-19
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)

Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (GA)

The following company RA Rogers INC Collection Consultants has placed there name on my XXXX credit report in attempt to collect a debt that was accumulated as a result of identity theft. The original creditor XXXX XXXX XXXX XXXX was notified of this incident on XX/XX/2019 and have remove there name from all three credit reporting agencies XXXX, XXXX, and XXXX after receiving identity theft report back in 2019. I have included a copy of the identity theft report I sent to XXXX XXXX XXXX XXXX with this complaint. RA Rogers INC Collection Consultants had no right to place there company name on my credit report. I DO NOT OWE THEM ANY FINANCIAL OBLIGATIONS nor do I owe the original creditor XXXX XXXX XXXX XXXX whom they are trying to collect. Failure to remove there name from my credit reports upon receiving this complaint will result in small claims legal action against RA Rogers Inc Collection Consultants. I will be seeking a minimum of {$5.00}, 000 in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-14
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. (TX)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$5000.00} XXXX/XXXX  XXXX {$800.00} XXXX  XXXX  XXXX {$5100.00} XXXX/XXXX   XXXX {$230.00}
Consumer complaint received 2020-05-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (FL)

We need to get our account corrected by this mortgage company and for you all to find out what you did with the mortgage payment you all took from us but you all are saying we are behind which we are not behind and we need all the late charges credited back to us and if you sent to correction we need you all to correct your mistakes. We have been trying to get this corrected now for months and your company refuses to fix it. We have paid on time for XXXX, paid XXXX, and paid XXXX. They all took XXXX from us and never applied it to our account. We need all late charges payments credited back to us. That is not our fault but your companies fault and we have been told many times that this will be resolved but still nothing have been done to this day ( since XX/XX/XXXX ). If this doesn't get resolved in 1 week. We are completely not statified with this company. The fact that we have sent them proof and 3 months later still nothing. And your company refuses to respond to emails and phone calls. Instead they have taken money from us, put it somewhere and they want us to pay more than we should. We feel like this company is a fraud. We have a VA loan with them, which we will be contacting the VA for assistance in regards to this issue. We have called and emailed more than 50 times with no responses back from this company. Not ethical business practices with a retired XXXX. We have sent all bank statements showing payments were taken : XXXX : paid on XX/XX/XXXX XXXX : paid on XX/XX/XXXX in the amount of XXXX ( to cover both months because you all lost our XXXX check we mailed to you on XX/XX/XXXX so I just ended up paying both on XX/XX/XXXX XXXX '' Paid in full on XX/XX/XXXX in amount if XXXX XXXX : paid XX/XX/XXXX XXXX XXXX : paid XX/XX/XXXX XXXX Attached is all bank statements and we have all emails that we contacted them. Contacted then via phone on several occasions and customer service refuses to help.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALCHRO INC. (FL)

On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC  regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected. 

On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years. 

On XX/XX/XXXX, I e-mailed FFCC  a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC  advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX. 

FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine. 

FFCC  is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}. 

I am filing this complaint against FFCC to resolve this issue as soon as possible.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (IL)

On XX/XX/XXXX I received an alert from XXXX   regarding a change in my credit report. After accessing my report, my score dropped 17 points due to collection that was placed on my report on XX/XX/XXXX from Afni Collections. I never received any notice regarding this debt, nor did I receive a phone call. After calling and speaking to a representative, they had complete disregard that they failed to validate this debt before placing it on my credit report where my score dropped. I am now in the process of buying a home an my realtor is not willing to move forward because I now have a negative remark on my report that sets me back another 30-45 days until this dispute has been handle and removed. This is completely illegal to place a debt that has been discharged in my chapter XXXX BK as of XX/XX/XXXX. When I tried to explain this to the representative, again I was ignored. No regarding for the fact that this debt was no longer valid and hindering me from moving forward in purchasing a home. I have disputed this debt with XXXX  and Afni, providing Afni with all the details of my bankruptcy. I would also like to mention that when the rep tried to verify my information, NONE of it was correct, and I did NOT provide any updated info. Collections companies are required to verify a debt prior to reporting to a credit bureau. This is a tactic that many of them use to get you to call them so that they can collect a debt. Please note that the debt is listed for exactly 1 day on my report ...
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.