davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

We began this problem many months ago, but it became impossible in XXXX and XX/XX/2018. The company that has our mortgage is Chase Bank. We have never missed a mortgage payment in 16 years of a 20 year note to date. Chase stepped in to pay our Property taxes that they had never paid before, and they paid taxes that were not delinquent, then set up an Escrow account to collect from us. When we made payments against our mortgage and the escrow amount, they routinely misplaced our payments each month, sometimes replacing the payments in other non functioning accounts. They did not tell us of this misplacing, instead, they reported us to the credit agencies as being late in mortgage payments for 2 months, even though we had receipts showing that if the payments had been placed as the receipts show, we would have no late payments. They apologized, withdrew late payment fees, and claim they remediated our credit report. The very next week, we had new paperwork from them asserting new misclaims about missed payments. Each time I have spent hours on the phone trying to get to a helpful person at Chase, each time there was an apology, retraction, then resuming the problem. Now last week, we received 7 notices from them, each one negating the one before with new fabricated figures resulting from a single misplacement, then cascading to mortgage default. We believe that they are now XXXX bent to make us refinance our loan, as there is little interest money left in the loan at this late stage of the loan, and they have everything to gain by driving us off by pure computer harassment, which is what we have come to conclude from the massive psuedo-incompetence they portray. One of the recent notices even had another customers ' documents within our own. We have saved all this evidence. The original mistakes are easy to fix, if that is the goal, we don't believe that is their goal, rather a pernicious campaign to computer harass us into finding some kind of refinance.

We began this complaint a long time ago, but working with a perpetrator that has no intention of using " good faith '' is not a solution. That IS the problem, they are intentionally doing this because they fear no reprisal from agencies that we can make complaints with. Please renew our complaint from your office without insisting that we go back to ask them to stop harassing us. They will not stop unless facing punishment. 
Many thanks and Regards, XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (KS)

Negative old debit paid by XXXX not removed. Medical believed to be paid my Medicaid was charged as bad debit against credit report. XXXX & XXXX have corrected but Equafax will not remove. Equafax is reporting XXXX Mortgage as Installment Loan ... 
Last is Judgement that was reported to credit agencies in error. XXXX XXXX removed and XXXX removed. Other agencies are showing satisfied and will not remove. They are requesting court made error. Which will never happen and they wo n't try to verify for removal. I have filed an online consumer complaint against Equafax. 
XXXX XXXX # XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

I have always paid my accounts on time and have never been late. It is ridiculous to see that there are inaccuracies in my account information. Please update my account accordingly.
Consumer complaint received 2018-10-16
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 (TN)

On XX/XX/18, Paypal informed me that my account was " limited '', meaning deactivated. They would not give me a specific reason but they did inform me they will be holding my funds for 6 months. I have over {$850.00} available for withdrawal and another {$800.00} on hold in that account. Even though my funds are " available '', they blocked me from transferring or accessing any of it. This is a lot of money, hard-earned money, and I desperately need it. I can even provide assurance that there will not be a dispute on the majority of the money because that customer has returned and placed a second order. She is willing to confirm that as well. How can they legally do this? Who allows someone to return an item or file a dispute six months after purchase? That is utter nonsense. It's bad enough that I can no longer use that platform because most of my business transactions were processed through Paypal. I am very limited at this point and my sales are down because I can not sell on XXXX without Paypal access. All of my XXXX customers use Paypal only. Third-Party selling sites, like XXXX, charge enormous fees to sell on their sites. My income has been more than cut in half and I can not even access what little I do have. I am in dire need of help!
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (DC)

On XX/XX/2018 I went through the product selection and purchase processes on the SEARS website to purchase an item. When I arrived at the Payment & Billing section it shows an extra discount if you Apply & Use Now for a Sears Credit Card.

It is a very simple and direct button.

Apply & USE NOW.

The card was not even loaded into the bank 's website for me to retrieve the credit card # and security code.

They will mail the card to me - but, the item I am trying to purchase may not be in inventory anymore. 

I had my credit report run. Had I known that I could not Use Now as the button stated - I would have selected a different payment method and not had my credit run. 

The site needs to be updated and it should state that the card can not be used, until it is physically received in the mail. It should not state apply and use now. It should state apply and use when you receive the card in the mail.
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NV)

I've submitted several disputes on my XXXX Credit Report to get this resolved, and the only response I keep receiving is that my debt has been verified as mine. I am not disputing the fact that the debt is not mine, and Transworld Systems and XXXX   are not addressing the issue. I am disputing the amounts owed and wrongfully reported on my credit report because XXXX XXXX XXXX never billed my insurance company for my services, as you can see attached in my supporting documentation. I am disputing the amounts owed on my collections report by Transworld Systems Inc in the amounts of {$1700.00}, {$240.00}, {$100.00}, {$88.00}, {$79.00}, and {$66.00}. 

I have attached my log of correspondence with XXXX XXXX XXXX XXXX to make my medical claims to ensure that my insurance would be billed for these services, and also, a photo of my account with XXXX XXXX XXXX which shows that my insurance was never billed for my services.
Consumer complaint received 2018-09-21
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. (IN)

I have made numerous attempts with EQUIFAX and have requested they provide me with specific information pertaining to the accuracy of the information they are providing on my behalf on my credit report. I have referenced the FCRA guidelines in my attempts to get EQUIFAX to provide ONLY accurate information on my behalf and have requested them to send me specific information in regards to the accounts they are reporting on my behalf and the company has failed to provide me withe the information I request but has continued to report the information on my report as accurate or they will send me a request for information I have already provided to them in regards to verifying my identity. Not only is this company reporting information that is not accurate they have failed to remove information on my report in regards to a fraud statement that is inaccurate as well. I have sent the company a copy of a police report to verify that my identity had been stolen. I have sent my request and demands via both regular mail as well as certified mail and this company is still reporting information that they have failed to properly verify. Equifax has a fraud statement on my report that I wish to have removed because it contains a phone number on it that is known by individuals that have stolen my identity and it gives direct access to a phone number to anyone that pulls my report and my report can be pulled by anyone with my stolen information. My initial request for information verifying or removal of the accounts these accounts was mailed to EQUIFAX on XX/XX/2018. The accounts are XXXX. XXXX XXXX, Ky XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  .I have documented many of my request for information and have received confirmation via USPS that the company has received my written request. Some of the document numbers i have sent are document # XXXX
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (PA)

My child support was issued on XX/XX/2018. I still have not received my direct deposit. I have called netspend ( XXXX ) and they state theres no issue then change their story to read what sounded like a pre written script saying they are having issues and theres no resolution time. I have XXXX funds. this caused me to bounce a check and theres no time frame when I'll get my child support not to mention my paycheck I'm supposed to get tomorrow.
Consumer complaint received 2024-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MN)

I am a victim of identity theft. I am receiving harassing and threatening phone calls, text messages and email messages from Ability Recovery Services LLC for a debt I dont owe and is the result of identity theft. Ability Recovery Services debt collection representatives has threatened to have me arrested and sent to prison for a debt of {$1300.00} I dont owe to XXXX XXXX XXXX The account is fraudulent and not my account. I never attended XXXX XXXX. The account or debt isnt my debt and is the result of Identity theft. Reference Number : XXXX, Account Number : XXXX
Consumer complaint received 2018-10-16
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. (IL)

On XX/XX/2018, I reactivated my XXXX service at my new apartment in XXXX over the phone with a customer service rep. This rep did not in any way shape or form tell me there was going to be a hard credit inquiry on my Equifax report. XXXX XXXX, the third party app which I use to monitor my credit, alerted me while I was on hold that a hard inquiry had in fact been made. When I brought this to her attention, she had no idea what I was talking about, and I had to explain to her the difference between a soft inquiry and a hard inquiry. She had no idea that her system was going to do that and had no explanation as to why it happened. All I got from her was a " sorry bout that. '' I was a former XXXX customer of 2 years, and I am equally upset that they feel they can keep my social security number on file like that and just willy-nilly run a hard inquiry without my permission. 

Keep in mind, I had an XXXX credit score prior to this inquiry. My score has since dropped, and I am not happy.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I took a loan with CitiMortgage. The loan included PMI. I made a large principle reduction to get the loan down to 26 % loan to value even though the loan was only 9 months old. Citi requires that I pay {$380.00} for an appraisal so I can save the {$59.00} per month PMI.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

Based on a credit card agreement with Barclays XXXX XXXX credit card I should have received 2 companion tickets for XXXX XXXX for spending more than {$30000.00} between XX/XX/XXXX and XX/XX/XXXX. I emailed Barclays on XX/XX/XXXX inquiring as to when I would receive them. To my knowledge they didn't respond until I received a letter from Barclays dated XX/XX/XXXX stating they couldn't help me. On XX/XX/XXXX I called and reported the issue again and they provided me with an incident number XXXXXXXX stating there was an issue with the website and that it would be corrected. I received another letter dated XX/XX/XXXX stating yet again that they couldn't help me. On XX/XX/XXXX I called and was provided a case number XXXX and was told they were trying to resolve the issue. On XX/XX/XXXX I called and still nothing had changed. On XX/XX/XXXX they called me to say they were working on it. I then receive a 3rd letter dated XX/XX/XXXX they couldn't help me. On XX/XX/XXXX I called them and told them I was going to discontinue using the card ( even though I was well on my way to supposedly receiving 2 more companion tickets ) because I was paying them for a benefit that they were not honoring. I told them on XX/XX/XXXX I would file a complaint with CFPB. On XX/XX/XXXX and on XX/XX/XXXX they called to say they were working on it. Today is XX/XX/XXXX and I have heard nothing else from them. I'm certain if I didn't honor my end of the agreement to pay them for my charges on the card that I would be turned over to a collection agency and my credit destroyed. Thus, you're my only hope at making them honor the original agreement. Happy to answer any additional questions. Thanks.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Equifax XXXX - you removed XXXX  XXXX from the report { was reading { XXXX XXXX } No response from XXXX  XXXX sense I started disputing this 6 months ago please explain why XXXX XXXX was removed from report I have sent you evidence that XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014 enclosed are incoming and outgoing responses to this matter, it is clearly visible that XXXX  XXXX refused to respond and there is No evidence this was made by me. You Equifax keep claiming its been updated with old information and have not did an investigation as you claim has been done, You state if the information can not be verifiyed it is removed this is the evidence enclosed its not my account I never made it and it was fraud. Under the FCRA this should of been removed a long time ago Please remove it
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC (NV)

There is a " XXXX XXXX '' who repeatedly called me over a 24 hour period when I told him not to. He then called my former employer and threatened that he had to speak to me over a legal issue and that they needed to provide my information including when I had worked there. I called him after they told me he was harassing them and told him to call me directly and not to contact them, and he in turn continued to contact them and sent them a letter asking about my employment there. He continues to contact them and harass them at their place of business after they told him I do not work there anymore. 

His number that he left is XXXX. You can contact me at anytime to confirm the information.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I had an mobile deposit from a loan company they shut my debit card off and said I need to call the bank when I did they said they thought it was a scam well they locked my checking account out to where I can't withdraw my money they have take. An overdraft charge out of it I was not overdraft it has been almost 3 week the check has not been returned and I got an email to state that the mobile deposit had been approved and processed they won't let me into my account to get my money they said they are closing my account on the XXXX and that if I had anything left they would send it in a cashier 's check to me. They have already charged me an overdraft charge and the mobile deposit was approved I'm dealing with us bank
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SB Holdings, Inc. (MO)

On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the XXXX Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

XXXX has also locked me out of my account but I can not get assistance with this over the phone with XXXX. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my XXXX Report. The reps at XXXX do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
Consumer complaint received 2018-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

On XX/XX/XXXX we secured aHome Equity Line of Credit in the amount of {$46000.00} from XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX, IN, XXXX no where on the Deed of Trust was there any mention of the interest I was to pay or the amount of number of payments that were to be paid. I paid on this loan every month from XX/XX/XXXX until XX/XX/XXXX. Thatnwas thelast payment I made bcause every month the amount on the statement never changed. After all of this time seeing that I was making no progress on the original loan amount owed, I just quit making payments. That was not the right thing to do but I had a feeling there was something wrong but I had no idea what to do. At some point shortly after, the loan was bought by ditech Financial LLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX. From the time I received this loan, every statement I received was for the same amount of {$46000.00}. Not once did the amount I paid was reflected on the statement. Even when ditech took it over. I made 48 months of $ XXXX@ 15.658 %. None of this was stated in the original loan papers that I have. What got me wondering is that I received a letter dated XX/XX/XXXX informing me that if I felt that this account has been collected unfairly that I should notify their complaint department. On around XX/XX/XXXX I received a billing statement dated XXXX XXXX stating my next payment due date was XX/XX/XXXX but I have not received anything else from them since. 
Today, XXXX XXXX I contacted ditech 's complaint department to discuss this with them. The agent I spoke with so rude and defensive. He told me that he would not send me any information about the original loan contract or the list of payments that I had made unless I agreed to pay off this loan in full.He toldme there were 1000 pages of documents concerning this loan.

I am enclosing the paper work that I do have regarding the loan and the 2 documents that I received in XX/XX/XXXX. 
I hope you can please help me find out if this was a fraudulant loan or at least get me the documents that I requested. And find out exactly what happened. 
Thank you
Consumer complaint received 2018-10-16
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. (UT)

Equifax is the only bureau reporting 3 collections to my credit report that are not mine. I do not have nor do I ever get collections and all our medical is auto drafted from our account automatically. The accounts show NOT REPORTED- XXXX & XXXX & XXXX - These are erroneous and not mine. I demand to see a signature and XXXX XXXX is not valid verification.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX