davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (ID)

I am the Power of Atty for my mom, who lost her husband in XX/XX/2018. I have been assisting her with her financial affairs. We contacted Everbank ( now TIAA ) in XX/XX/XXXX to inquire about the process to add my mom as the Personal Representative on the mortgage, as it was solely in my step dad 's name. We provided the death certificate and Surviving Spouse Affidavit of Community Property Inheritance at that time. 
In XX/XX/XXXX, we started the process of refinancing that loan ( with another bank ), to pay off this Everbank/TIAA loan. Every communication that we had with TIAA was a nightmare as we were told the request was " in process '' and they couldn't speak to us as we were not " authorized ''. We made multiple attempts to get the Mortgage Verification letter so that the refinancing bank could verify that the TIAA loan was in good standing. Every call, including those escalated to supervisors, ended in frustration. 
The loan was paid off in XX/XX/XXXX and a check was issued for the remaining escrow funds but it was made payable to " The Estate of '' my deceased step father 's name and my mom could not negotiate the check. 
We called XX/XX/XXXX to ask them to re-issue the check and we told that we would need to provide the following items in order to do so : 1. A letter with the detailed request 2. A copy of the most recently recorded Deed of Trust 3. Surviving Spouse  Affidavit of Community Property Inheritance 4. Death Certificate 5. W-9 Form to validate my mom 's SSN We provided ALL of those items on XX/XX/18. I also provided the copy of the Power of Atty to validate that I am authorized to take care of all financial matters. 
I made a call on XX/XX/18 to ensure that all of the documents had been received and to inquire on how long it would take to process. I was told the documents had been received and to expect 30 days to receive the new check. 
I made a call to TIAA on XX/XX/18 to check in on the process and again, was told that the documents have been received, but they are " in review '' and that " these issues are complicated and take time to resolve '' and that I could call back in 2 weeks to check on the status. They would not provide me any additional information or give me any timeline on when we could expect to see the escrow refund. 

This is a pretty simple request and they have been in receipt of every legal document to support our inquiries, requests for information and re-issuance of the escrow refund. We have faxed and re-faxed the SAME documents multiple times since XX/XX/XXXX. We have followed ALL of their instructions and they have been very difficult to work with and are not responsive. 
We DID receive a confirmation that the loan was paid in full and they included the Re-conveyance Notice that was filed with the county. But they have not yet re-issued the check for the escrow balance. I feel that this has been an excessive amount of time and effort to complete and would like this to be addressed and resolved ASAP.
Consumer complaint received 2018-06-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIERRA PACIFIC MORTGAGE (VA)

Beginning in XX/XX/XXXX of this year we began working with a mortgage loan officer to secure an FHA loan. During this process we disclosed to the loan officer that we had a federal tax lien and that we had been on a payment plan with the IRS for over two years having never missed a payment. The loan officer assured us that as long as we could show a consistent payment plan for a year that we would satisfy the requirements of securing an FHA loan. Documentation was provided to the loan officer, including bank statements showing the IRS debit and IRS documentation about the payment plan. As we moved forward on the contract for the property, all documents required for the loan were submitted to underwriting. Underwriting came back, and as a condition said we had to pay our current year and back taxes ( tax year XX/XX/XXXX ). We believe we have been misled by the loan officer and as a result this has cost us a substantial amount of time and money.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.
Consumer complaint received 2021-02-17
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: Credit Karma (OK)

I am in the process of buying a home in XXXX, Oklahoma and I authorized a Hard Pull from the mortgage broker I was dealing with. And then on XX/XX/2021, Credit Carma emailed me and told me that I have 14 ( two weeks ) to get other quotes from lenders and that it would not affect my credit score. So I ended up getting another quote from another Lender a few days later. And then I got notified today on XX/XX/2021 that my credit score went down over 21 points with XXXX. And it is probably going to go down with the other bureaus as well. My score is now around XXXX and it should be a lot higher around XXXX like it was before. I uploaded the email that they sent me. But I should not be penalized for this and I want why credit score points back. It was false advertised. And we are still within the 14 day window, so my score never should have been lowered.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best buy Target XXXX and XXXX and XXXX labs also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-14
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have a student Loan from U.S. DEPARTMENT OF EDUCATION XXXX that is not reporting correctly. My loan was in federal deferment and was not in collections during the XXXX XXXX I am trying to protect the integrity of my credit profile Ineed the collection status remove asap. My loan should not be reporting in collection for over a year. Plus we are still under the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136,.
Consumer complaint received 2022-01-14
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (FL)

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX  ACCOUNT # XXXX Pursuant XXXX5 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-01-14
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: LEXISNEXIS (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (IA)

On XX/XX/2022, at XXXX PM I received a text with a security code. I did not request this security code and it expired in 10 minutes. 

On XX/XX/2022, I received the following email : XXXX XXXX - Your XXXX account statement is available. 
View Online PayPal Your XXXX account statement is available. 
Hi XXXX XXXX, Access your account statements quickly and easily. Log in to your account and select the monthly statement you'd like to view. 

View Statement Forgot your email or password? Recover them here Explore the new PayPal App Learn more XXXX XXXX XXXX Download on the XXXX XXXX Get it on XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXXXXXX XXXX XXXXXXXX are trademarks of XXXX XXXX XXXX 
XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX, registered in the U.S. and other countries. 
Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center by clicking " Help '' located on any PayPal page or email. 

PayPal , Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services. PayPal , Inc., XXXX XXXX XXXX, License  # XXXX, Massachusetts XXXX XXXX XXXX. PayPal , Inc., Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania. PayPal , Inc. XXXX XXXX  Licensed Money Transferor . PAYPAL , INCXXXX XXXX XXXX XXXX, LICENSE XXXX XXXXXXXX, IS LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE. PayPal , Inc. is Licensed by the State of Connecticut Department of Banking to perform Money TransmissionXXXX XXXX  # XXXX, License Number MTXXXX. 
Copyright XXXX PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX I do have not used PayPal in several years. I forwarded the above email to PayPayl to alert them of this issue. My SSN was compromised approximately one month ago. I filed 3 reports with FTC regarding the fact I had been scammed and SSN was compromised.
Consumer complaint received 2021-11-18
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. (PA)

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX  Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX  XXXX of inquiry XX/XX/2020
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IA)

XX/XX/21 XXXX XXXX XXXX sent me a letter stating they were pursuing debt payment of {$130.00} for a PayPal account in the name of XXXX XXXX. the notice doesn't say when the debt was incurred. I called them to explain that isn't my name and that I have an active PayPal account of my own with my correct name. They sent me a " Response to dispute and verification notice '' and wanted me to have it signed by a notary public but the paperwork is still addressed to XXXX XXXX, which is not me, XXXX XXXX. XXXX XXXX XXXX also believed this was probably a fraudulent attempt to collect money. XXXX XXXX did state that this fraudulent PayPal account was using my social security number but had a bogus email account tied to it.
Consumer complaint received 2022-01-14
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. (TX)

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to Equifax, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXXXXXX XXXX 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in XXXX credit card department on several different occasions regarding the issue. XXXX advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called XXXX on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Consumer complaint received 2021-04-03
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. (CA)

I received a copy of my Equifax credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Equifax or XXXX XXXX. I advised Equifax that this account is in litigation and that it needed to be removed. Equifax removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
Consumer complaint received 2021-11-18
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: AES/PHEAA (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with FED LOAN SERVICING. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPOR
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

We have been trying to resolve this situation with the mortgage company Selene Finance since XX/XX/XXXX. We got behind because of some personal issues. We sent a payment for 2 months and we owed 3 they sent it back in XX/XX/XXXX. 
We called and sent emails in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. When we would call we would be on hold hours and still not get a person. We would be hung up on. Our emails would be rejected saying the wrong email address, but it was taken from the web site. We mailed our loan modification request paperwork to the address on the paperwork. We could not get someone on the phone till XXXX. At that time they told us that was the wrong address and email it to them. So we did then, then we were told it was too close to the sale date to evaluate with them. Now we can not get them on the phone, we just want them to move the sale date so we can have a little more time to come up with the money. We started recording the phone calls showing them hanging up on us, giving us wrong information and just not wanting to help us. They just want out house. We have XXXX  kids and all we want to do is keep our house and we want a mortgage company to work with us to save it. They do not. Please help us if you can. I am just attaching one example of email communications that state they never went thru. We have more records and recording of our most recent phone calls to valid our case. We have been trying to resolve this situation and they have not wanted to help us. 

Thank you very much XXXX and XXXX XXXX.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I have made the last two monthly payment via online banking. Ive paid the same way for years. Both payments were returned by the mortgage company. XXXX I paid on XXXX and it was returned the XXXX. XXXX I paid on XX/XX/XXXX and it was returned on XX/XX/XXXX. I tried to reach them by phone several times, but to no avail. Wait times to reach an employee are outrageous. I tried the online chat twice. I started the last chat on XXXX, they responded back but not to my satisfaction and then closed the chat! I then emailed them screenshots of my complaint is with my mortgage provider, mr cooper. my online banking showing the payments and the return of payments. They replied back that the payments were returned. I replied back that yes the were returned, That is why i am trying to talk about it with them. I havent done anything wrong, ive made payments the same way for years. The last response from them just stated my mortgage has not been paid since XXXX and all late fees are valid. I responded that i want to get current and am willing and able to pay but why should i be penalized with late fees and negative marks on my credit score. My best contacts are email XXXX or phone XXXX XXXX XXXX. Thank you