davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
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. (MS)

XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, XXXX XXXX 
Report # XXXX Please remove false information from my credit file.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

I created a Venmo account in XXXX of XXXX  so that my cousin could pay me money she owed me. My account was then frozen by Venmo with {$270.00} in my account and they would not give me a real reason why they froze my account. I have contacted them numerous times and they refuse to answer me, and have stolen my money.
Consumer complaint received 2022-11-26
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. (TX)

As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost XXXX  months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, Equifax XXXX XXXX XXXX {$850.00} XXXX, Equifax, XXXX XXXX XXXX XXXX {$470.00} XXXX
Consumer complaint received 2022-11-26
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. (GA)

I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.
Consumer complaint received 2017-10-19
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: JPMORGAN CHASE & CO. (KY)

There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, Chase Bank, XXXX and XXXX XXXX XXXX.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS. At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at 82 %. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at 81 % and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at {$30000.00} more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my report
Consumer complaint received 2017-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

My mortgage servicer Roundpoint Mortgage has kept me on a treadmill for close to 3 years and despite sending them hundreds upon hundreds of documents over this time has never conducted a review for homeowner assistance options. I have an FHA loan insured by the government and I know that there are programs available to help me. Despite my best efforts Roundpoint has never actually considered me for any of these programs and has now set a sale date of XXXX XXXX. This is very disappointing. I served my country proudly as a XXXX XXXX XXXX for 27 years and am a veteran of the XXXX XXXX. I then worked for XXXX for 37 years and am now retired and on a fixed income. I do n't want to lose my home and feel that Roundpoint is denying access to these programs that should be made available to me. 

I have owned my home for 15 years and refinanced through XXXX XXXX in XXXX into this FHA mortgage loan. My problems began in XXXX, when my wife XXXX XXXX after a 5 year battle with XXXX. I am retired after working 37 years at XXXX and also served in the military for 27 years. I live on my pensions and SSI and with her passing I was not only emotionally devastated but the household income was literally cut in half. To make matters worse soon after my mother and then my brother XXXX XXXX as well. I was overwhelmed financially and emotionally and ended up defaulting on the mortgage. 

Shortly after that the loan was transferred to Roundpoint. I eventually got back on my feet financially and began trying to get Roundpoint to work with me to resolve the delinquent payments. Over the course of three years I have been unable to make any progress despite sending hundreds upon hundreds of financial documents to Roundpoint for review. I have the means to afford a reasonable payment and qualify for these programs but Roundpoint has continually kicked the can down the road and set a foreclosure sale date for XXXX XXXX. I have worked with an account manager who has been helpful, but I can never seem to make it to the next step. I feel that Roundpoint is purposely obstructing this process -- my financial situation is not that complicated and I have provided them every document they requested more than once. Yet Roundpoint never moves forward -- they never offered me the option of mediation through the state of New Jersey as required by state law They never provided Occupied Conveyance paperwork for me after setting the sale date. Instead they have thumbed their nose at the rules and marched towards foreclosure.
Consumer complaint received 2022-11-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-25
Product: Credit card or prepaid 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: DISCOVER BANK (NV)

Dates and amounts are included with the uploaded documents. 

I have made multiple attempts to resolve this with XXXX XXXX and the property. XXXX XXXX corporate will do nothing, saying it must be adjusted by the property. 

All attempts to deal with the property have been unsuccessful. When I call them, they say they will have the property owner call me back to resolve but I never receive a call.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CO)

I am a Discover Card Client and I was approved for a {$3500.00} credit limit months ago. I have had to use my card a lot lately due to some financial struggles but I have never missed a payment with Discover. I traveled for work this past week and rented a car and had to put my rental payment on my card. I had plenty of credit to make the charge and then tonight I go to use my card to get gas and it was declined. I knew I had credit on there but I get home and get an email stating that I had a message from Discover. They sent me a message stating they did an account review and they lowered my limit from XXXX to XXXX and because of the trip charges it puts me over the credit limit by XXXX which destroys my credit rating with the credit bureaus. Discover had no right to do this, but they chose to let the charges be put against my card even though they said they made this decision on the XXXX. My XXXX car rental charge was put on the card on the XXXX. They have screwed me, they had no right to lower my credit limit and then allow charges to go against my card. I have never missed a payment with Discover and yet they do this to me. This is not right as they are jepordizing my credit score and they do not care about how this is impacting me.
Consumer complaint received 2022-11-25
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)

XXXX XXXX have reported on my credit report that I was late on payments.Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX XXXX have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

[Letter # 4] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

[Letter # 4]  Experian plc XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Consumer complaint received 2017-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Holloway Credit Solutions (AL)

XXXX XXXX XXXX XXXX STILL HARASSING ME. ABOUT XXXX  XXXX OF XXXX ALABAMA HERE IN XXXX ALABAMA WHERE I LIVE. THEY ARE THREATENING TO TAKE LEGAL ACTION AGAINST ME. I LIVE WITH MY MOM AND DAD THEY HAVE PROBLEM TOO. IT BEEN 7 YEARS THEY ARE KEEPING ON WITH THIS XXXX. AND THIS WAS DATED BACK IN X/XX/15.THEY NEED TO LEAVE ME ALONE. I DO N'T IT TO GIVE. THANK YOU FOR LISTEN TO ME.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2017-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One : 3 accounts- 2 credit cards and 1 auto loan. 
They call everyday, incessantly. 
XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX  XXXX/XXXX/XXXX @ XXXX XXXX I have tried to make payment arrangements but even then they call everyday.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase, I sold my Bitcoin and hit a button to withdrawl my {$160.00} I got confirmation letter the money would be in my back account by XXXX XXXX. I have not recieved it and have no way to contact the company they do not answer the phone they just say send an email to support but I could not figure that out either
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX/XXXX/XXXX, I made my payment online like I normally do each and every month. I was paying off the remaining balance of {$310.00}. Fast forward a month, I receive a notice that my payment never went through and I incurred a 30 day late mark on my credit report. I have asked Nordstroms to fix this reporting as this is their error and not mine. I confirmed with my bank that there was never a payment presented to them. I have not changed my banking information at all in a couple of years and i have never been late on this credit card or any other credit card that I utilize. This late mark is now causing me not to be able to purchase a new home.
Consumer complaint received 2017-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates through their attorney XXXX XXXX XXXX XXXX filed a judgment against me after I filed a dispute with their attorney-XXXX XXXX with XXXX XXXX. After reviewing the filed court documents I believe that my rights were violated due to lack of documentarion & conflicting dates on the XXXX XXXX XXXX XXXX affidavit that XXXX of XXXX 's employee signed & certified. Also, their attorney advised me that I do n't have to appear in court because I 'm disputing the debt. I only want to verify/validate that this debt is truly mine & they have the right to collect. 
Attached is the letter sent to them.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NJ)

I brought my home in XXXX XXXX through U.S. Bank Home Mortgage, a XXXX fixed mortgage of {$2900.00} per month. I lost my job in XXXX XXXX and was unemployed for the entire year of XXXX. I applied for loss mitigation with my mortgage company, in XXXX XXXX. Loss mitigation allowed me to temporarily stop making mortgage payments until I found a job. 

In the meantime, I applied for the NJ XXXX program in XXXX XXXX to qualify for a grant to help pay past due mortgage payments. As of XXXX XXXX, I received no final answer regarding approval or non approval of the grant. 

I was approved for loss mitigation from XXXX XXXX to XXXX XXXX. I found a new job in XXXX XXXX but the annual salary is 40 % less than my previous employer. 

Starting in XXXX XXXX, I participated in the bank 's loan modification XXXX trial period until XXXX XXXX. After I successfully made the trial payments of {$2800.00} per month from XXXX to XXXX, XXXX Bank offered me a loan modification agreement. The modification loan is now a XXXX fixed mortgage of {$2900.00} per month. I wrote a letter to U.S. Bank, dated XXXX XXXX, to express my disagreement with changing the loan from 30 years to 40 years. In a letter dated XXXX XXXX, XXXX, the Bank responded the standard modification guidelines require the loss mitigation underwriters to extend your loan term to 480 months at time of loss mitigation review. 

My questions are ( 1 ) is it legal for my mortgage company to change my loan from a XXXX fixed mortgage to a XXXX fixed mortgage? ( 2 ) I also want to know if U.S. Bank has been contacted by the NJ XXXX program and are they providing the program the necessary information to help me qualify for mortgage assistance?
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HONOR FINANCE, LLC (FL)

I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.
Consumer complaint received 2017-10-20
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: Midwest Recovery Systems (TX)

I am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. 

I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XXXX XXXX I received a letter from XXXX XXXX XXXX stating that I am eligible for a credit by reviewing my credit history. I never had the intention to apply but their offer letter and documentation was attractive and misleading. I enrolled online and tried to accept this offer with the intention that I will receive a new Credit Card. They immediately evaluated my approval and denied to give me a credit card. They made a hard inquiry on my credit score and deteriorated my and my wife 's scores. Since we are very new to the US, we just moved from XXXX to US this summer, we are also new to the credit environment. We know that in US credit score matters and is very important. This is why we have not been applying to all scams and all promotional materials. But this one was really misleading and it did not mention that I am not eligible for a credit card. I want your support to fix this problem.