davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (IN)

Lost my job in XX/XX/XXXX. I 've been trying to get my payments back on track since XX/XX/XXXX. I 've had 3 monthly payments returned to me. I applied for a loan modification and was denied. I appealed the decision for a loan modification and during the appeal and decision time was able to come up with the total amount due. I was given a due date to appeal by XXXX XXXX 2015, I sent a check to mortgage company for total amount due to bring my account current. I called mortgage company on XX/XX/XXXX to see if my check for total amount due had been received to find out my appeal had been denied and my mortgage was submitted to foreclosure on XXXX XXXX 2015 without written notification, or the chance to bring account current. I have been trying repeatedly to work with PHH Mortgage to get my account current. Seems as though they want me to lose my home. Very disappointed, and aggravated at this point.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (GA)

1 ) XX/XX/2016 I am supposed to receive my rewards check for over {$670.00}. 
2 ) I never got the rewards check, and when I called the back they told me that the check is already cashed. 
3 ) I opened a complaint and working with them for Synchrony back for 4 months. 
4 ) They keep telling me that they have mailed me a copy of the cashed check for me to confirm the signature on the check. I never receive that also. 
5 ) The custermer service is completely useless and rude and not yet solved my problem.
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (GA)

I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

XX/XX/2019, AFNI INC, caused my phone to ring attempting to collect an alleged debt. 
The prerecorded greeting states they AFNI is a debt collection agency and they are actively attempting to collect a debt. It further went on stating all information collected during the phone call will be used to collect alleged debt. 
When the male associate picked up, he immediately assumed my identity. His first words were " XXXX   XXXX? '' The associates I spoke with did not identify themselves, I had to ask them for their names repeatedly. 
I do not have any CONSUMER INITIATED accounts open with AFNI INC . 
XXXX, the second associate of AFNI that I spoke with, informed me that they collected my information from the XXXX XXXX data base, but she would not disclose any information on the alleged debt. She stated she can not give me any information without me first verifying my personal information such as my current address. XXXX also informed me that I did not sign any release of information or any contract with AFNI, that they are a third party company.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Approximately around XX/XX/XXXX I opened a credit card with XXXX XXXX through XXXX as part of a partnership they had with their memberships. There was no issues or late payments throughout the whole time with the credit card. However, in XX/XX/XXXX being a military family we were XXXX XXXX. So we went ahead and contacted XXXX XXXX and made them aware of our location change. We were told there was no problem we could continue our normal payments while overseas. Later on in XX/XX/XXXX we were informed that they would be no longer part of the XXXX membership and they would be switching over to citi bank and that no further action was required from us. We were informed new cards would be sent out to replace our XXXX XXXX. That was not what happened at all once they switched to citi bank we on multiple occasion explained to them that we never received the credit cards. And that we needed them to continue to make payments online. However they informed us time after time that they could not email them to us XXXX. When we tried to get them sent to family members to send to us. Citi bank never sent them. Prior to these issues i had enrolled for a different citi bank credit card and received that with no problem XXXX. Once we realize we would never get the cards we still needed to make payments and continued to make attempts to call and make payments. But in order to make the payments they required our credit card account information. But when we would ask for it they would tell us that for security reasons they could not give us that information. At this point there was nothing we could do to make a payment every time we attempted they could not take it because they required account information that could not provide due to security reasons. After 6 months they charged off the credit card and the debt collectors called and have made payments through them. Overall Citibank never afforded us the opportunity to make payments. We never received any account information for our new citi bank account and we were forced to be charged off by the bank. Now this whole incident continues to affect my family because of the impact on my credit report. That had nothing to do to negligence or irresponsibility on my behalf. I honestly and truly feel like i was taken advantage of by citi bank.
Consumer complaint received 2017-11-29
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: Resurgent Capital Services L.P. (CA)

XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (MO)

Trying to get in touch with Big picture loans to get my loan number, so I can change the status with my bank, and ca n't get it. it is not on any paperwork nor can I get through when i try to call. This keeps causing my account to go negitive. Also there was added verbage to my loan paperwork that I did n't see until I reviewed before submitting my claim.
Consumer complaint received 2017-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank 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 fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fin XXXX XXXX auto XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Colony Brands, Inc. (WI)

I recently paid off my installment to XXXX XXXX for purchasing a few items. When I paid the debt I was informed everything was good to go. I was not informed of any negative information that was going to be reported to the bureau 's saying that I had failed to pay. I was not given any warning statements of any sort. Never once did they report anything positive to the bureau 's but decided to report negative information. I do not believe that is fair to never report anything positive but feel the need to report negative information.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2018 my business checking account with Capital One Bank ( acct : XXXX ) was surreptitiously debited in the amount of {$2500.00}. At the time I had multiple business and personal accounts dating back years. The Capital One, XXXX, MD. branch representative could not explain how someone took the money but indicated that the debit was through XXXX XXXX XXXX. I pleaded with Capital One to reverse the charge and they seemed to not have been able or unwilling to assist. 
Around this time I was leasing one of my properties to XXXX XXXX XXXX ( see attached email ) who admitted that they banked with XXXX XXXX XXXX. XXXX XXXX vehemently denied withdrawing these funds from my account although they had the account and routing number to make rent deposits. In fact the funds that were debited were from a security deposit that would soon have to be returned after their client moved from my property. XXXX had no authority to make debits from my accounts ; although Capital One alluded to XXXX having been involved. 
I asked that a case be opened with Capital One and I never received a case number and the bank went further to debit a second account ( XX/XX/2018 ) I held in the amount of {$1300.00} to make the bank whole from the negative position my account was left in as a result of the unauthorized action. The bank refused to return my funds and / or assist with filing a claim with the FDIC. Today I can no longer access my account records, nor can Capital One customer service. This appears to be fraud and has cost me financial and emotional distress. I have attached the two affected accounts as well as a line of conversation with the company alleged to have taken the funds. I can be reached on XXXX if you require more information.
Consumer complaint received 2017-11-29
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. (PA)

Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX
Consumer complaint received 2017-11-29
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. (PA)

Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I should start off by saying that this happened in XX/XX/XXXXand XXXX and I finally lost my home in XXXX to foreclosure. 

I contacted Citi in XXXX, MD, 3 different times about a loan modification. 

I expressed to Citi that my wife lost her job and we were having troubles maintaining our monthly mortgage. Citi had me apply for loan modification 3 different times, each time Citi claimed that they lost or could n't find all documents. later even suggested that I try to refi, at the end they told me that my credit was not satisfactory and they could n't help me. They also told me that they could n't help unless I was at least three months or longer in default. 

We maintained our payments up until the end when we could n't pay anymore. I lost the home and it later sold for {$110.00}, I had a mortgage of {$220.00}. 

When I called them in XX/XX/XXXXthey claimed that they owned me a letter releasing me from all debt and to clear my credit from this matter because of the hard work that your Agency ( CFPB ) has done, but I never received this later. 

Any assistance would be greatly appreciated. 

Regards XXXX
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

Quicken Loans has been slow rolling me in refinancing my mortgage. The home is worth $ XXXX with a mortgage of $ XXXX. 

They have ruined my credit score. Why are you treating a fellow XXXX alum this way, XXXX XXXX? 

Shame. 

See you in court. 

XXXX XXXX Class of XX/XX/XXXX
Consumer complaint received 2017-11-28
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. (NC)

This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither Equifax, XXXX or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, XXXX and Equifax, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.
Consumer complaint received 2018-01-09
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)

Hi, my purse was stolen from me in 2015, I called all three credit bureau to report my purse was stolen and that i need to add fraud alert on my social security. All three said they will added and if someone tries to run your credit you will be notify by phone. Which Transunion fail to put my phone number on file for the creditor can reach out to me. I have about three creditor that ran my social security 7 times in one months. And transunion refuse to removed them off my credit reports i have been dealing with this for about two weeks and no help. 
from transunion but the other two credit bureau removed them.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I 've requested a mortgage modification several time with my mortgage company, they have refused to work with me and my mortgage is adjusting out making my payment higher and higher. I got behind with my mortgage because my father was terminally ill and I wash his sole caretaker. Also my taxes and insurance are n't es crowed I need them to be included with my note. I want to keep my house.
Consumer complaint received 2018-01-09
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: SYNCHRONY FINANCIAL (CA)

I am a victim of fraud and I have been trying to get the creditors listed below to the fraudulent accounts below, that I did not open. I have submitted a ; police report, FTC report and provided proper ID and these companies still refuse to remove the accounts out of my name. 

1. XXXX ( I DID NOT OPEN THIS ACCOUNT ) 2. SYNCB/WALMART ( I DID NOT OPEN THIS ACCOUNT ) 3. XXXX XXXX XXXX XXXX ( I DID NOT OPEN THIS ACCOUNT )
Consumer complaint received 2018-01-09
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: SYNCHRONY FINANCIAL (AL)

I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XX/XX/XXXX - XXXX ( Finance ) 2. XX/XX/XXXX - XXXX ( Finance ) 3.  XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX/XXXX ) 5. XX/XX/XXXX - XXXX/XXXX ( Bank )
Consumer complaint received 2018-01-09
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. (WA)

Experian is claiming that I owned a XXXX 's credit card ( listed as XXXX Account XXXX on my report ) which they say was closed in 2013. 

I have never owned a XXXX 's card, much less an XXXX XXXX card of any kind, in my entire life. I said as much to Experian when I disputed the account. They came back and said that the account is mine, and they have proof of such that I can not have access to. My only recourse was to submit documentation or contact them by phone. 

I have no idea what kind of documentation I can provide of something having not existed. It seems like a preposterous Catch-22. Furthermore I have called them a number of times and they have not told me what that documentation is or what it could possibly be. They have explicitly said they will not tell me what kind of documentation to provide, only that I must provide " it. '' I am unable to verify with XXXX 's that this is my account since I do not have enough information about it. 

Let me be clear, this is not a delinquent account or a negative point on my report. Regardless, is it false and I do not know if this is identity fraud or just incompetence of the part of Experian but this is NOT MY ACCOUNT and I have no understanding of how to prove this.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

My load was from XXXX XXXX to go to school at XXXX XXXX XXXX XXXX XXXX in XXXX Arizona. XXXX XXXX later switched to Navient, my school switched to XXXX or something like that after I graduated and I was not aware. Whenever I was contacted about my student loan I was advised when I could not make the payment to sign up for forbearance. I signed up or that and periodically would get emails asking me to resubmit my forbearance info which was actually just keeping me in a constant forbearance which i thought meant I was not being charged interest on. After a while I forgot all about this matter but was continuously signed up for forbearance until I found an email in XXXX stating my forbearance had ended. At the time they instructed me I would have to make payments of {$150.00} a month and I could not afford this. My XXXX XXXX was just XXXX and we had been preparing to move crossed the country. I attempted to get involved in a student debt relief payment program but was scammed and lost {$100.00}. When I XXXX how to take care of all this I see that XXXX XXXX is being sewed by the government and do not know what to do. I am attempting to get into school in Utah for XXXX XXXX but have to take care of this XXXX XXXX issue. Here is just one of the records of my 3 loans I have with them showing the forbearance. 

DU DEFAULTED, UNRESOLVED XX/XX/XXXX DF  DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX IG IN GRACE PERIOD XX/XX/XXXX IA LOAN ORIGINATED XX/XX/XXXX
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I sent Coinbase a wiretransfer of {$2000.00} and on XX/XX/17, I received an email from them saying : " We appreciate your interest in Coinbase! You recently sent a wire to your account for {$2000.00} XXXX, unfortunately we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. ". They claim on their website that it would take up to 10 business days for the wire reverse to complete but it has been over 20 days and I have yet to receive my money back. I opened a support ticket with Coinbase ( case # XXXX ) but have not yet received any resolution from their customer service team.