davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NM)

Synchrony Financials credit card companies that support Amazon, Ashley Furniture, and Dicks sporting goods. I am building a dream home for myself and my family. During this process which we are about to break ground. My mortgage company was obtaining my construction loan, when we were told that my credit score had dropped due to me being marked late in XXXX of XXXX by amazon, ashley, and dicks sporting goods. I was not too happy because, I had paid all of them off in XXXX. see attached info. My accounts were basically closed and paid off at the time this derogatory credit comes up in XXXX. 

Let 's be truthful now, if you looked at my history, I lapsed on most of my cards at the end of XXXX because my mom was sick and eventually, she passed. I used all of my available money to fly back to see her. That's what put me behind, I paid them all off in XXXX and they were either closed by the creditor or closed by me. I don't care about my credit history in XXXX, XXXX, and XXXX. I chose not to pay them in order to do something else and that's on me. The ones listed in XXXX is a mistake and not on me. I have tried to call them and some of them say its the credit bureaus fault, all i asked for was a letter stating that it shows paid off my account in XXXX and the payoff amount. I even pointed out to the operators that the computer answering service said my account was at XXXX and I paid my cards off in XXXX.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is attached
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

original finance comany - ocwen. loan sold to phh in XXXX XXXX see customer account activity statement -- XX/XX/XXXX payoff. escrow balance of {$1300.00}. XXXX  out. where did my escrow money go? XXXX  out on that statement. my first escrow shortage was in the first 6 months with phh. shortage of {$980.00} in 6 months. i didn't pay close attention. saw my increase in payment as is the usual with mortgages. second escrow shortage is {$2400.00}. HOW DOES THIS HAPPEN??? i began researching my statements. the remedy for the first shortage was " the monthly shortage for the next 36 months is {$27.00} and will automatically be added to your monthly payment beginning XX/XX/XXXX. '' now the second shortage remedy is " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' HOW WILL THIS EVER GET PAID?? Escrow is structured by taking the total of the insurances and taxes and dividing by 12 months in the year. this is setting me up to lose my HOUSE. i have had this account for 18 months and THESE ARE PREDATORY PRACTICES. HELP!!! MY PAYMENTS ARE HIGHER THAN EVER AND YET THE ESCROW DOESN'T COVER THE INSURANCES OR THE TAXES!!! SOMETHING IS WRONG!! My former company Ocwen was difficult when they owed me escrow back but they always trued up at the end of the annual term. in 18 months they have me in debt - not my doing. HOW CAN THEY STRUCTURE MY ESCROW THIS WAY?? IF I CAN'T PAY IT AND IT KEEPS GOING I WILL LOSE MY HOUSE. PHH WILL OWN MY HOUSE BASED ON THESE PRACTICES. THIS IS CRIMINAL. Especially in a pandemic.
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2020-11-19
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: SYNCHRONY FINANCIAL (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding SYNCB/PAYPALXXXX with account number XXXX
Consumer complaint received 2020-11-19
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: NCB Management Services Inc. (MD)

I submitted a request to NMCB Management and the three major credit bureaus on the following dates requesting information regarding an account on my credit report : XX/XX/XXXX ... I sent my initial letter to the credit bureaus XX/XX/XXXX ... I sent follow up letter to the credit bureaus XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a letter directly to collection agency asking for validation of the debt. 
XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a certified letter to the credit bureaus to verify the debt since I am not aware of this account. 
XX/XX/XXXX ... I sent another dispute the credit bureaus due to no follow up. 
XX/XX/XXXX .... I sent a letter right the credit bureaus to provide the method of verification for this debt. 
XXXX ... I sent another letter to the credit bureaus advising them that I was filing a complaint due to the collection agency and credit bureaus inability to provide sufficient information to confirm that this debt reported is indeed mine.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TN)

I have been dealing with what appears to be a fake company for months now called XXXX XXXX XXXX XXXX. I paid a total of {$4000.00} to XXXX XXXX through PayPal Credit in XXXX, 2020. I do not know XXXX, but she was supposedly the person receiving the money for the company who was holding the product that I was to receive after payment was made. The company did not release the product, instead they kept demanding more money. I filed a dispute with PayPal ; however, they denied my claim because I authorized the transactions, which was true but I did not realize the product would not be received. I have recently inquired as to how to Appeal their decision. 

Fast forward to early XXXX and the company reduced the charges they were still asking for and required {$870.00} be sent to XXXX XXXX via email address ( another participant for the company ) and product would be received. I had this money in my PayPal Cash Balance. Although skeptical, I did send the money. Now, the company is asking for another {$2500.00}, which confirms to me that there is no product and it is a scam. I have emailed XXXX XXXX to ask for the money to be returned to my PayPal account ; however, I do not expect that to happen as he is a participant in the scam. 

My complaint is with XXXX XXXX XXXX XXXX ; however, PayPal Credit is the one who denied my dispute and found in favor of this company.
Consumer complaint received 2020-10-12
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. (IL)

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (GA)

This is a very long story but I'm going to do my best to stick to the pertintent details. All of this started with discrepancy with my property taxes. I went to the XXXX County Board of Assessors Office and reached a reasonable agreement to settle the property taxes. However, there was still an issue with the amount that they needed to correct. I notified my mortgage company to let them know before any problems were to arise. My mortgage company UWM ( United Wholesale Mortgage ) said I had nothing to worry about and thanked me for letting them know. All of this began just before the COVID-19 Pandemic Lockdown. I wrote a letter to UWM explaining the situation, as well as attaching supporting documents. I never heard back. I frequently called UWM to monitor the situation and asked them more than once if I should just pay the inflated amount and sort it out later. However, they said that I had to wait. I finally heard back in early XX/XX/2020, but it wasn't pleasant news. I received an email from UWM, stating that they paid my property taxes including an overage of {$1700.00} and that they were creating an escrow account, thus increasing my mortgage over {$1000.00} per month. To say that I was furious would be an understatement. To make matters worse I had inquired about the COVID-19 forbearance program but told the representive I wasn't interested if it would hurt my payment history and prevent me from having PMI removed from my mortgage. She assured me multiple times that it wouldn't. After looking into it, I decided that it wasn't worth it because they wanted all the money at the end of the 90 days, which is ridiculous. However, once again UWM found a way to extort more money out of me and told me I couldn't get out of forbearance. I paid them the money anyway but the held the funds in a " suspense account '' and continued to keep me in the forbearance plan even though I've been paying them on time every month. I am not behind on this mortgage and never was. I have paid this home down to 79 % which makes me eligible to have PMI removed but UWM keeps saying that XXXX XXXX won't let them drop the PMI, which isn't true. I truly believe UWM set all of this up just so they would have a reason to deny me the relief I have earned.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (OH)

Between XXXX and XXXX of XXXX Someone fraudulently applied for credit using my personal verifying information I have been a victim of identity theft since XXXX. I did not authorize anyone to open or attempt to open any accounts using my personal verifying information. I alerted the Credit Bureau to these fraudulent inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to dispute these inquiries, They sent out notification to the Credit companies but told me THEY DO NOT DISPUTE INQUIRIES, even if you have been a victim of Identity theft. Since then I've reached out to the companies that these inquiries were initiated thru and they also have not responded in a timely manner to remove these inquiries. Ive sent XXXX many documents that they seem to never receive. At this point these inquiries are damaging my credit report. Iam requesting the following items be removed from credit file and blocked from viewing for Identity theft or Fraud. 

XXXX XXXX THIS IS A FRAUDULENT INQUIRY XXXX THIS IS A FRAUDULENT INQUIRY US BANK THIS IS A FRAUDULENT INQUIRY XXXX XXXX XXXX THIS IS A FRAUDULENT INQUIRY I WANT THESE INQUIRIES REMOVED FROM MY FILE FOR FRAUD I DID NOT AUTHORIZE ANYONE TO APPLY FOR THESE ACCOUNTS USING MY NAME.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was marked as late per the attached dispute letter. I do not feel this is accurate. Can you please provide me with more information on how his information was verified with XXXX XXXX?
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

PayPal is practicing fraudulent activities by holding the seller funds that were cleared by XXXX since XX/XX/2020 thru Buyers and Sellers Transactions on XXXX for the amount of {$1100.00} that they owe me. The buyers were satisfied and the money was made available to me by XXXX thru PayPal. I have been doing purchasing and selling thru PayPal for years and never had a problem when they charge my credit card on file with them. Now when I am requesting my money they owe me, they refuse to release it to me. They are now requesting that I scan and download my verified Drivers License or my Passport and my Social Security Card. I dont mind scanning and downloading my Drivers License that is verified by the State of Florida with the Gold Star on it which is the latest approved verified Drivers License, but scanning and downloading my Social Security Card is a sure way for Identity Theft especially since they have my social security # and my credit card on file which they have been charging for years with no problems, Therefore I should not have to scan and download them my Social Security Card to get my money since they have had my credit card on files for years with no problem. It seems that PayPal is creating problems for any consumer who is requesting their money so they can create a XXXX XXXX for their own use by denying their customers like me their money for as long as they can, I have tried to contact pay pal all i get is automated service with no result.
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

See attached letter from Chase that I red lined. I stated over phone in XXXX that all charges were fraudulent when my card was stolen. Yes I found out who thief was as stated on the sheriff 's report on XX/XX/XXXX. I stated I do not know who she purchased items for. I remember being asked and I felt the question was ludicrous. I never received XXXX XXXX of anything after card was stolen. A CIVIL MATTER??! Who determined this to be a civil matter?? It wasn't me. I filed a sheriff 's report on this person on XX/XX/XXXX. I left a message for XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX, TX XXXX MULTIFAMILY 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
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY 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
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America missed a property tax payment ( 1 Quarter - XXXX {$1100.00} ) due in XX/XX/XXXX when they first originated the loan. However, they kept on making regular payments for following quarters and everything else is good. On XX/XX/XXXX, BofA took out {$1100.00} from my escrow account as tax payment. However, when I realized I have a balance due from XXXX, I checked XXXX Dept of Finance website to see the payments that were sent. That XX/XX/XXXX payment was never applied on Dept of Finance. BofA never realized this was not applied on Dept of Finance. 

On XX/XX/XXXX, BofA took out another payment {$1000.00} from my escrow account and this was partially applied for XXXX balance due ( at this point there're about {$90.00} in interest accrued over the year ). Since extra payment was taken out from my escrow account, it was showing XXXX in my escrow balance. 

In late XX/XX/XXXX, I started refinancing process with 2.5 % with another lender. I have been trying to resolve this outstanding tax payment and extra payment taken out from escrow account. I have went thru many channels phones, messages from website, and barely got replies. Finally, I got a chance to speak to a manger and they found out XX/XX/XXXX payment was missing at Dept of Finance. They credited back {$1100.00} to my escrow account. 

However, there's still an outstanding tax balance from XXXX in the amount of {$87.00} as of XX/XX/XXXX and it keeps changing due to accrued interest. I have called BofA several times to escalate and get the whole outstanding balance paid. On XX/XX/XXXX, BofA took out {$80.00} from my escrow account to supposedly pay for outstanding balance which are accrued interest from XXXX. I have requested BofA to recredit this payment to my escrow account since I'm not supposed to pay interest for BofA mismanagement and payoff that outstanding tax payment once and for all. I have mentioned several times that I'm refinancing with another lender for 2.5 % ( down from 4 % ) and this is holding up the process. My interest rate lock has been extended several times ( free for now ) but for whatever reasons, if they start charging interest, and the rate goes up, I will be in trouble. Even after escalating thru many channels for months, I can't get this outstanding balance paid from XXXX.
Consumer complaint received 2021-08-28
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: Early Warning Services, LLC (FL)

Early Warning Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ) and are effectively damaging my consumer reputation. All corresponding documents are attached to this complaint
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX Experian -1st Dispute letter for credit file discrepancies/inaccurate information XXXX Experian - RE : Request to provide Method of Verification XXXX Experian - 3rd and Final Notice to Cure XXXX XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX Transunion - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX ) whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )