davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

Oportun put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX  claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my XXXX  file so they have been giving me XXXX XXXXs meanwhile they sort everything out. I find it extremely unfair that Oportun would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, On XX/XX/XXXX, an ACH withdrawl that I initated in the amount of {$1400.00} posted to my account. The ACH was declined by the receiving party and the funds have not been returned. I spoke to a CSR at BOA on XX/XX/XXXX and she instructed me to fill out a ACH return form which I did and email to BOA. I followed up on XX/XX/XXXX to inquire if any action had been taken on my claim. After spending over 1 hour on the phone, being transfered from one dept to another and having to verify my identity everytime I spoke to someone new, no one mentioned anything more about a claim. I was put on hold the final time while the CSR researched it with the ACH dept. I was told to call XXXX and give them the tracing number. Though I feel that BOA should do this on behalf of their customer of 24 years, I did not want to spend any more time on hold and noted the information given to me. I called XXXX and after a recording, the phone hung up. So I spent over an hour wasted and no progress. I called the merchant again and they advised me that the transaction was declined and it should have been sent back. Why it shows posted in my account I do not know, but I feel that BOA is not taking this matter seriously and taken action on my behalf. I need BOA to resolve this ASAP. BOA is showing the transaction as posted and they need to trace as to where it went and have the funds returned. It is fine hearing the on hold recording on how valuable a customer I am but action on my behalf will actually show the value. Please advise on this situation. Thank you
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Hi, I was approved for Covid relief forbearance on my mortgage held XXXX XXXX in XX/XX/XXXX. I extended it in 3 month increments until XX/XX/XXXX with no problems. My loan was transferred to a different services in XX/XX/XXXX. It was transferred to XXXX XXXX XXXX. Due to new legislation, FHA, XXXX XXXX, and XXXX XXXX loans were eligible for another 6 month extension. My loan is privately held and not one of those. But even still, under XXXX XXXX, applying for the forbearance was very easy and straightforward. When it came time to extend the forbearance again after XX/XX/XXXX, XXXX XXXX XXXX required proof of unemployment with paperwork that is not available from my states unemployment office. I sent them as many things that I could like bank statements, my unemployment account screenshot, my original unemployment award letter, etc but they said everything was insufficient. They said that I need to submitted a current award letter saying that I am currently getting unemployment benefits in XXXX. Virginia XXXX XXXX did not send a updated award letters to people and they do not answer phone calls or emails so I can not even request one. The legislation on Covid relief explicitly states that no proof is required yet this company is requiring it. I understand that the legislation is only for specific loans but my loan holder has been the same and XXXX XXXX did not require any documentation. It is XXXX XXXX XXXX that is requiring it
Consumer complaint received 2021-04-16
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 lender XXXX XXXX XXXX, reports to all three bureaus at the same time every month. The information they report is a snapshot of the last statement bill. The information for the month of XX/XX/2021 and XX/XX/2021 was and is being reported incorrectly by only one Credit bureau which is Equifax. I have disputed the inaccuracy three times, the last dispute still in process. 
Both previous dispute resolutions are stating that XXXX is reporting a {$3000.00} balance on my {$3000.00} Line of Revolving Credit ... this is inaccurate. My statement balance ( which I forwarded to them and XXXX XXXX department confirmed to me ... is showing {$1.00}. I've also talked to a representative from eOscar which is the company ( data transmission ) that is used to report from the lender side and investigate disputes from the bureau side, there is nothing they can do apparently. 
Equifax has also had to remove and report several collections and other debt, all of which they have not increased my score at all. 

This is beyond problematic. We are entrusting our lives to faulty companies with little to no consumer empathy as to how they are affecting our lives. This is not fair and has caused more XXXX XXXX and it's not necessary.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have been having a problem with Rushmore Loan Management Services. I have been requesting that the PMI be removed since 2019 with no success. The latest letter even included the comparable to show that the property is now below 80 % value. I need your assistance on this matter.
Consumer complaint received 2021-04-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

My FFELP loan was sold to a private loan or Sallie Mae and then sold to NAVIENT without my approval making it in eligible for loan forgiveness. Saying that I work for a nonprofit organizations for over 15 years.Then my principal was down to XXXX owed after paying for 20 years over XXXX in interest is now escalating since they put me into a progressive interest loan so my principal now is up to you XXXX my original alone amount was only XXXX. I would like to make a complaint against NAVIENT if not a A lawsuit to prevent this from happening to other borrowers I've been paying for over 22 years {$600.00} a month with multiple forbearance is and other options seem to be nullified. I borrowed the money From XXXX to XXXX graduation. I would like to make a class action lawsuit or participate in your lawsuit for fraudulent miss leading miss knowledge poor business practices of NAVIENT.
Consumer complaint received 2021-04-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$5500.00}, {$270.00}, {$4900.00}, {$670.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on AXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Consumer complaint received 2021-04-17
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: JPMORGAN CHASE & CO. (NY)

I am writing to dispute a billing error in the amount of {$6000.00} on my account. The amount is inaccurate because your company has taken the amount out of my bank on the XXXX. 
I called into your company advise that my one account is blocka and money was taken our of my account twice. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Please investigate this matter and correct the billing error as soon as possible. I am also will report this error and all my billing evidence to the FEDERAL TRADE COMMISSION INCLUDING PHONE RECORDINGS AND BILL STATEMENT. 
In addition, I would like you guys to stall my payment until I got a response from the federal trade commission and the better business bureau. Recently, I have been in contact and your company has not f/u on request to investigating this issue.
Consumer complaint received 2021-04-17
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

I was checking the rates I would get for credit cards and was instantly approved and issued a card. This makes my credit score weaker since I now have a lower average length of time with accounts opened. I don't understand why you can't just check w/o having a credit card issued. I did not and do not want that credit card or the negative impact it has made on my credit report.
Consumer complaint received 2021-04-17
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. (FL)

I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.
Consumer complaint received 2021-04-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

On Monday, XX/XX/XXXX, I officially started the refinance process with XXXX XXXX of NewRez LLC. XXXX XXXX wanted me to make " quick '' decisions as interest rates are always changing. Long story short, I paid NEW REZ LLC for an appraiser to come out to do an appraisal ( the amount of the " original '' appraisal was misquoted by XXXX XXXX and an additional {$50.00} was charged - separately. ) I promptly provided ALL documents requested AND submitted UPDATED documents ( pay stubs, W-2 's ) as the time went on, and on, and on - apparently each month a new pay stub was needed since this process was not " wrapping '' up. On XX/XX/XXXX, I received an email from XXXX XXXX informing me my loan had been " conditionally approved. '' On Janary XXXX, XXXX, I received an email from XXXX XXXX informing me she was my mortgage processor and would taking care of my loan. Fast forward to XX/XX/XXXX, XXXX XXXX stated she would like to get the loan closed by XX/XX/XXXX and that I needed to sign a new lock rate extension as the first was expiring. On XX/XX/XXXX, I received an email from XXXX XXXX who was STILL working on my loan and that she was hoping to have it closed by XX/XX/XXXX. Well, here I am today, XX/XX/XXXX and still NOONE has returned my numerous emails and countless daily phone calls. 
It seems that I am not the only person this is happening to - if you look at the reviews on their website ( which show a XXXX average ) there are COUNTLESS reveiws that read the same as mine. As a Math teacher, I can not figure out how the COUNTLESS one stars add up and average to XXXX - NEW MATH? 
I have since moved on to another mortgage company today - as the most recent email from XXXX XXXX stated she was hoping to have it close by XX/XX/XXXX which has come and gone AND I have not heard from anyone from this company. 
I WANT my appraisal fee returned as this is BAD BUSINESS, actually NO BUSINESS!
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The late payments on my credit report show as of XXXX 2020 and XXXX 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and XXXX loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (DC)

Hello, I am a US resident who opened an account on binanceXXXX XXXX and didn't know about the changes that happened with that website ( I didn't receive an email about the change and I know others who didn't ). I had invested a small amount into binance. com in XXXX and had left it there. When I logged in, the website informed me that I am a US user and they can't provide services to me. I was instructed to reach their customer service. 

Now I can't confirm my identity in the website ( since I am in the US ) and the withdrawal function in my account has been suspended. I sent documents for verification to customer service on XX/XX/XXXX to " XXXX XXXX '' ( email below ), but haven't heard back. 

Below is the email I received from Binance. I have not received anything since. Please let me know if you can help. My XXXX ID for Binance is # XXXX. 

XXXX XXXX XXXX Binance XXXX XX/XX/XXXX, XXXX XXXX Dear user, Thanks for your inquiry. 

Upon checking, we found that the withdrawal function was suspended due to the withdrawal risk control. If you can not pass the self-help process online, please provide us with the following information for the account verification and we are going to help you through the ticket. 

Photo verification : XXXX. Both sides of your ID card or driver 's license, or If you would like to provide with your passport, please attach the information page only. 
2. Selfie with ID card, driver 's license or passport information page. 

Please record a video, including the following information : XXXX. Withdrawal recordsPlease login to your account and show the withdrawal records in your account. 
XXXX. Communication recordsPlease show in the video the emails between you and Binance CS via this email. 
XXXX. You also need to appear in the video and hold the information page of your ID document, and repeat clearly the following sentence : " Today is the year/month/day, my account is applying for withdrawal of XXX coins with XXX amount. I confirm that it is my own operation. I am contacting Binance CS to resume the withdrawal function of my Binance account XXX '' In addition, if you are able to provide the following information at the same time, it will help to confirm your identity and help speed up the review process. 
Security questions : XXXX. Account registration date XXXX. Account registration XXXX Thank you for your understanding and looking forward to your reply. 

Best Regards, Binance Support Team
Consumer complaint received 2021-04-05
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: Santander Consumer USA Holdings Inc. (PA)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Beginning in late XXXX to early XXXX I had purchased XXXX from XXXX XXXX through using XXXX that was linked to my XXXX that was linked to my previous bank account. since then i keep seeing numerous unauthorized transactions from xsolla.XXXX XXXX.XXXX.XXXX  XXXX, XXXX XXXX XXXX XXXX view, XXXX purchase XXXX # CA they keep taking different amounts out of my checking account. i closed my old account opened a new one had numerous cards cancelled and had new ones issued only to have this thing attack my account again. i dont know what else to do. i have screenshots of the numerous transactions in my phone. this is getting to be a nuisance and i dont know if i need to involve the police and take a police report because they keep stealing money from me. they even hacked my prepaid debit card somehow and i dont even kmow how they got into that account. XX/XX/2021 there were two charges for the amount of {$2.00} and {$4.00}, XX/XX/XXXX and XXXX XXXX there were numerous amounts for {$1.00} XXXX XXXX there has been charges for {$19.00} for both my checking account and my prepaid debit card. I contacted XXXX previously to which they refunded me the money back in XXXX but this has been recurring and i dont know if its from the XXXX company itself or if its a third party associated with XXXX or if its hackers from from the different games on XXXX but this has gone on far too long and i am frustrated i cant keep closing accounts and cancelling debit cards.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

My insurance letter said info from Equifax influenced my premium and only Equifax can provide details. Equifax can not send my report to me because they can not verify my Identity. 
Equifax XXXX
Consumer complaint received 2021-04-18
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 ()

Paypal limited my access in my account that I can't transact with my paypal account or limited it for ever. So I can't withdraw my money in it and paypal said that they will hold it for about 180 days or a 6 months long. I just want to get my money or close my account so that I will get my money back.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX XXXX  XXXX. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but XXXX  and Experian have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.
Consumer complaint received 2021-04-17
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (LA)

Santander states that the reported date of first delinquency is XX/XX/XXXX. The statute of limitations is determined by adding 7 years to the date of first delinquency and that it will remain on my credit report until XXXX XXXX. BUT Santander failed to update and report my payment history from XXXX XXXX XX/XX/XXXX its left blank, but Santander XXXX an on time payment at the end of the year in XX/XX/XXXX. Why is that? I can tell you why because by reporting that payment history from XX/XX/XXXX that will be pass the statue of limitations. This account is Outside of the statute of limitations on collections.