davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

We are currently in negotiation with the Bayview XXXX in regards to t a short sale All documents have been submitted for the short sale review and a XX/XX/XXXX auction was postponed to allow the short sale to be reviewed. We are still in the review and counter offer process and after requesting an Apprisal which was a dome on XX/XX/XXXX We are waiting on a copy of the appraisal report.TThe bank upon receiving the appraisal amount did not contact us for a counter. Instead, the scheduled an auction of the property in the middle of active negotiations with us I called the bank and spoke a representative who stated that the appraisal came back at $ XXXX which is well below the previous figure that the bank had from a computer online generated valuation 'During this process, we have never received any update or documents via mail or any phone calls from the servicer. This individual working this file has shown no comprehension of the law and when he was advised that he was violating the dual tract foreclosures laws he stated he did not know what that was and will continue to auction the home off all while still negotiating with us on a short sale resolution The buyer did increase the offer they were giving on the home but Bayview representative XXXX XXXX stated they will auction the home off no matter what we do. 
BAYVIEW IS IN CLEAR VIOLATION OF THE DUAL TRACK FORECLOSURE LAWS BY AUCTIONING MY HOME OFF ALL THE WHILE WORKING ON A SHORT SALE RESOLUTION. 
My Realtor has left numerous messages for XXXX supervisor XXXX XXXX but he has refused to return any phone calls and emails We have asked Bayview to communicate with us via mail and not phone calls because XXXX from Bayview is attempting to deny all these allegations. 

We were finally able to reach the foreclosure attorney for the bank ( XXXX XXXX and Associates ) and they were very helpful in stopping the foreclosure sale and were very upset at what Bayview Representative XXXX XXXX was engaged in. The bank Bayview has since remain silent and indicated that they are reviewing the counter offer XXXX had advised me and my Realtor that he would not review any offer I assume the Attorney for them made him aware of this violation of Dual tract Foreclosure Law I can only imagine how many other innocent homeowners have lost their home due to this illegal practice and actions by Bayview and the employee XXXX XXXX would ask that your office open an investigation into this individual and Bayview for clear violations A copy of this complaint is being forwarded via express mail and fax to the supreme court justice hearing this case the honorable XXXX XXXX XXXX County Supreme Court New York
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

My account was closed and I was not notified of this action. After over 5 calls was finally told they needed to verify account.

Account was verified over 3 different times. 

Them I was told the company owner of my deposited check for {$1000.00} needed to call and verify information. 

XXXX XXXX and XXXX XXXX called TWICE ( they are also family members ) They verified check information and cleared checked dates. 

Called several more times and I get the run around from customer service to fraudulent dept. They can not release my funds without their authorization No proof of fraud No proof as to why account was closed Will not send me my funds {$2200.00} I need HELP
Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

We sent offer documents to US Bank and they said it's low and they countered the buyer 's offer. The buyer did not increase their offer but instead they provided documents such as the most recent Active and Sold Comps, Repair Bid, Letter of Explanation for Value Dispute and Single Source ROV ( Reconsideration of Value ) - filled out. We submitted these documents to US Bank and they said that since the Appraisal was conducted on XX/XX/XXXX, they need 3 sold comps within 6 months prior to that date. We would like to know why is the investor using comps for last year if it's already in XX/XX/XXXX?
Consumer complaint received 2020-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP (SC)

I've had this loan for almost a year. Each time I've been given the loan in going over the paperwork there are sections you sign off on for the insurances you get with the loan. I've always marked all the boxes because the lady going over it with me goes over each one.  The last time I renewed my loan the lady was incredibly mean and did not take the time to go over everything with me. I was laid of of work on XX/XX/2019 and for the first time had to file unemployment. When I called to let this company know that I will need to file a claim, the lady who answered said I did not get the unemployment insurance and would not be able to file a claim. I explained my side of it and she said do you have your paperwork which I did not get copies of. This loan was based off of my pay before I lost my job.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX I began receiving emails from Chime that a checking account was opened under my name. 
I contacted the back through their official fraud call center to request more info. They verified my info with the account and claimed no fraud was involved on the account. I continued to ask more questions regarding their validation security and did not receive a response. I also included proof of a login security password reset that sent a code to a phone number not associated with me. No resolution was by Chime to done. No info on security was done. I requested termination of the account. 
I have email documents and screenshots to show all communications on this concern. Chime does not have secure validations processes in place to protect people 's secure info.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

To whom it may concern, I'm a XXXX student who studying my XXXX degree in XXXX XXXX was on the road to establish credit and was referred to apply for a Capital One Platinum unsecured credit card from an Customer service representative at XXXX  bureau. There I became a honor on-time full payment cardholder for a bit over a year. Until I experience a home burglarize invasion which resulted in become a victim of identity theif which cause a big loss as been a young adult who was trying to establish independent start in life that when I received my billing statement that following month that when I noticed there where many unauthorized transaction charges that I didn't authorize or give no one permission to. I contacted Capital One and filed a dispute claim which went under investigation and resolved to be Unauthorized transaction due to compromised account but was told that I had to continue making all payments which I continued to keep my credit score in great status due to my social security card being stolen I cleared my balance and closed my account once I closed my account that when Capital One want me to account holder that the baby came from verify verify personal information which was confirmed to me that there where not any issues with the payments that they receive.That when Capital One infrom to me a that I wouldn't wasn't going to mail me my refund check from Capital One which was told from the other individual that made those last last 4 payment. How can I
Consumer complaint received 2020-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (LA)

On XXXX XXXX a transaction was made for {$50.00} plus {$4.00} fee/tax totaling {$54.00} from my account to a XXXX XXXX ( XXXX ) via PayPal!! I have been scammed!!! Ive filled a dispute with the above named person to get my money back, also with PayPal and my account holder, but I havent heard anything back from anybody and I have not been refunded my money!!! PayPal tells me I have to file with my account holder and my account holder says I have to file with PayPal!! Its been over 20 days and I still have yet to hear anything or receive my refund
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On Sunday, XXXX XXXX at XXXX XXXX  I tried completing an online request through the annual credit report online application process, and tried to do so using my cellphone. When I got to the step for the first credit reporting agency, transunion it said error try submitting my phone or paper application. So, I tried again Sun., XXXX XXXX at around XXXX on my computer and it said error you've already gotten your free credit report from transunion. 

I was willing to pay for it anyway, and tried to submit the application, but still received an error in even continuing with the paid version. The error seemed to be with my " current address '' which is a Maryland address as opposed to a New York address. I don't understand why I am unable to proceed with getting copies of my credit report online. Tried ordering by phone but the system couldn't understand the spelling of my name. 

Please advise. 

Looking forward to your response. 

Thank you, Concerned Customer who is applying for an apartment and needs to submit application as soon as possible.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (FL)

We filed bankruptcy in XXXX and tried to complete a reaffirmation with Nationstar aka Mr. Cooper and they denied it. Since this took place they stopped reporting the loan to the credit bureau even though we were making the payments in a timely fashion. We later completed a Modification with them and they still would not report the loan. In XX/XX/XXXX we sold the property and paid the loan in full to the original amount including the modification non interest bearing principal balance. We just received a copy of our credit report and noticed they did not report this loan as paid in full. We received the Satisfaction of Mortgage but the at this point they have not reported this to the credit bureaus and due to this our credit has been affected during the last nine ( 9 ) years due to this situation. We made numerous attempts to have this issue resolved and they denied to resolve the issue.
Consumer complaint received 2020-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I authorized a merchant a one-time charge in the amount of {$1400.00}. While the card was in their possession, I was charged multiple times for the same thing ( without my knowledge or authorization ). The unauthorized charges were for {$2300.00}, {$5600.00}, {$4000.00} and {$10000.00}. Totaling {$21000.00}! I reached out to American Express immediately to notify them I did not authorize the additional XXXX charges. Over the next XXXX months a fraud case was opened and closed XXXX times- with no resolution or backing from my bank. As a card holder ( of over 30 years ), I should be protected by the Fair Credit Billing Act. After a new case was opened, and contacting XXXX multiple times each month, the response was the same - " we see these charges as valid, as you provided your card to the merchant. '' True, but I did NOT authorize the additional XXXX charges. The merchant provided fake receipts with handwritten charges/tips, and signatures that weren't mine ( that's fraud ), but somehow this good enough for American Express XXXX This left me speechless. 

My last call to XXXX was on XX/XX/XXXX, only to be told that they would not reopen the case and that I was basically stuck with the $ XXXX in fraudulent charges. I've never felt so disrespected and mistreated by a company in my life. Their customer service and loyalty to card holder is non-existent. I need restitution for the fraudulent $ XXXX of charges that XXXX will not refund me. My plan is to get restitution and close my account immediately!
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Information Bureau, Inc. (FL)

This concerns medical bills that have been paid by my insurance.. XXXX  already fixed issues,, XXXX  has not.. XXXX still showing medical bills with collection agency XXXX,, XXXX, I called XXXX, also known as Doctors Business Bureau and spoke to XXXX AFTER, I Called and spoke to 3 previous Agencies, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX XXXX, XXXX where service was rendered, XXXX XXXX, XXXX XXXX XXXX, All of which show my medical bills are paid by my insurance ... I called XXXX and spoke to a " XXXX '' and asked how can you show that I owe medical bills when all these agencies and original service provider shows they are paid and I owe nothing,, I gave him all points of contact including names and numbers and addresses to verify my bills are paid and please remove from my credit.. He said that wasn't possible even after all information I provided ... I filed another dispute through XXXX, provided same information as I did To XXXX at XXXX and still XXXX has yet to remove their collection on me.. XXXX has deleted those from my account ... I done all I could and Provided All information to XXXX  to delete this collections on me and remove.. I supplied all my insurance information also to XXXX to verify bills paid ... Nothing.. Still on XXXX  credit,, XXXX ... I Researched online and have a found complaints filed for XXXX not removing paid medical bills after proven paid.. Complaints made to XXXX, though XXXX isn't part of the XXXX..I need this off my credit report,, it's PAID ... Please help me if you can.,, Thank You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Florida XXXX Amounts showed that I owe that have been paid for by my insurance are as follows {$150.00} {$250.00} {$810.00} {$870.00} All have which been paid by my insurance and showed paid by original service provider and all agencies prior to XXXX.
Consumer complaint received 2020-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

We filed bankruptcy in XXXX and XXXX respectively. I filed first, then my husband. The mortgage was not a part of the bankruptcy. We filed bankruptcy due to an overwhelming amount of medical bills not because of erroneous debts. Once bankruptcy filed, Selene took more than 30 days to process a personal check for the mortgage. Prior to bankruptcy we would pay the mortgage over the phone. Once we filed, Selene no longer allowed this payment option. After writing and calling them with no response, we started sending mortgage payments by money orders. I saved every receipt, however my purse was stolen/misplaced and I can't find those. I started paying by certified bank check some months ago. We got a notice that the mortgage was behind, so I had XXXX XXXX XXXX trace the certified checks. Only one or two had been processed and the others, months old, were still hanging out there. XXXX  XXXX XXXX cancelled them and refunded my money and we started paying through automatic bank draft. Those payments are well documented. We are being XXXX XXXX XXXX my Selene to vacate the home so that they can foreclose.
Consumer complaint received 2020-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank was excessively charging me overdraft fees Of {$34.00} before the company policy time. The time I was informed from employees was XXXX est. I called in today XX/XX/20 to inquire about a overdraft fee that occurred after XXXX on XX/XX/20 and the employee told me the time is the bank access fees XXXX. This has been going on for awhile and Chase misinformed consumers to get extra money. The bank employees say different time and makes the consumer look like liars.
Consumer complaint received 2020-01-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AL)

Company calling themselves XXXX XXXX XXXX. Have contacted a 3rd party person, regarding a debt they claim I owe. They have given information to this 3rd party to include last 4 of my social security number. They then threatened to have someone come to my employer and serve legal papers on me. 
These calls occurred XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. I contacted their office on XX/XX/2019 and requested they cease communication with the 3rd party. However, the calls continue to the 3rd party cell phone. 

Upon contact, was able to determine they are a debt collector and are attempting to collect on a tertiary debt. The claimed debt is at least 5 years old and outside any legal Statute of limitations for my state. Asked for address to mail a cease calling letter and they refuse to give an actual name or address. 

The phone number they leave to call back to is : XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-01-15
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.