davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Loan # XXXX Specialized Loan Servicing, LLC ( Mortgage Collection Agency ) Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their persistent negligence, intentional deceit and unfair business practices ; via the following : 1. Unauthorized disclosures of private information to a third party, with a totally different and wrong address.

2. Failed and continued to fail in issuing and providing updated " Monthly Statement '' of Account for our Mortgage Loan.

3. Failed and continued to fail in issuing the required and mandated " Tax Documents '' for 2020 ; reporting the interest paid on the loan, even after multiple communications via mail, and phone calls.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV INC. (IA)

I received the unactivated card in the mail. I contacted my Congressman 's about how to get a check issued instead. I was told to call the ONLY number provided by card issuer to get a check. The phone number is reported to allow access to " the main menu '' as well as activate the card. That is a lie! The number requires the caller to activate the card. In fact, there is no option for having a check issued. Moreover, there is no option for ever talking to human via this number. Evidently, the billionaires who own the parent company ( e.g., XXXX ) do not want to talk to mere peons ... only take our money.
Consumer complaint received 2021-03-03
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. (CA)

My vehicle was damaged when I placed it on third party app called XXXX. XXXX 's renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because XXXX XXXX reported it as a repossession, eventhough there were no late payments on the account. I had even contacted XXXX XXXX a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. XXXX XXXX was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments were made.
Consumer complaint received 2023-05-11
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. (IN)

My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (RI)

I am in a mortgage forbearance with XXXX XXXX XXXX since XX/XX/XXXX currently ending on XX/XX/XXXX. I have been calling about the two three month extensions my XXXX XXXX loan is eligible for but the keep telling me they have no guidance from management and that I need to keep calling. 
I spoke to XXXX today who kept telling me that " as of today '' my loan was not eligible for any extension and that the only thing he could do was send me a loss mitigation application to submit to underwriting. 
When I insisted I was eligible he kept saying " as of today '' and that I had to pay on XX/XX/XXXX or be put into the next step. 
The strange part is that when Initially was connected the computer voice asked me to click 1 for the three month extension. He claimed he had no idea what that was about. He also said there was no supervisor available and that I could not record the call.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Colony Brands, Inc. (TX)

I learned that a negative action in the amount of {$2900.00} is repeatedly being reported as accurately being mine, although I have no knowledge of the stated account, that was opened in XX/XX/XXXX. My first knowledge of this fraudulent account is XX/XX/XXXX. The company name is XXXX XXXX, which I have never had an account nor had I ever heard of them until this fraudulent account appeared on my XXXX credit report. I later learned, that it has been reported to XXXX  and XXXX as well. After learning, that this fraudulent item was on my report I called & spoke with the credit department at XXXX XXXX and informed them, that I have no knowledge of this account. They said that the merchandise was delivered to an address on XXXX XXXX, in XXXX, TX. I have Never Resided at the address, that they allegedly sent merchandise. I have resided at my current address where I pay mortgage, for the past 27yrs. Also the person that I spoke with in credit department of XXXX XXXX stated a one time payment in the amount of {$100.00} was made toward this fraudulent account. I told her that they should trace payment method & match any signatures against mine. I have paid all my creditors online directly, from my bank account for many years. All other ( legitimate ) accounts are in good standing. I believe in paying my debts, but it can be easily proven that XXXX XXXX is not my account through signature comparisons of whomever opened account & my own. Also again, I have never resided at address that merchandise was allegedly shipped to. I have also completed an affidavit on government website attesting, that this is a fraudulent account. Person that I spoke with said that they show a XXXX XXXX account, that was issued in my name in XXXX that is paid in full. I told her, that I have never owned a XXXX XXXX Account either and wish to file a dispute for both accounts.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

hi, i opened an account by Coinbase like a year ago. since then i have been able to buy, sell and exchange cryptos. 

the XXXX of XXXX last i tried to send a small amount of eth to my wallet in swissquote ( XXXX XXXX and it didnt worked out ( no problem - the transaction has been voided ) BUT MY ACCOUNT HAS BEEN ARBITRARILY DEACTIVATED SINCE THEN, claiming a security issue. 

i wrote to them immediately telling them that my account is not in danger whatsoever and got the answer they are gon na check the issue and it can take till 10 ( ten! ) days to get an answer ... 

after 11 days no comment from them. no answer to my mails. 
i should have XXXX XXXX -- in there now ... 

please help. 

tx in advance XXXX
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX The guy name XXXX sent me the amount of XXXX by XXXX XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my Chase bank. 
On XX/XX/2021 XXXX called me again to ask me to refund money to him, so i call me Chase bank and ask the Chase Agent to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my Chase bank account and i saw XXXX disputed for another XXXX. So i contact Chase and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But XXXX and Chase still took my money. 

XXXX never receive the dispute money and the money never deposit into his account. We called 3 line with XXXX to talk about it but they can not do anything. I also contact Chase bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call Chase and XXXX with no help at all. 

Chase and XXXX stolen my money.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TN)

I opened a Coinbase account ( https : //www.coinbase.com/ ) Date : Fri, XX/XX/XXXX XXXX XXXX and have been using it. 

Today, XXXX, I went to my account and the $ XXXX I had in there is gone and it shows a zero balance with no explanation. 

There really is no " customer support ''. I locked down my account as it was the only option available, but I don't think anyone broke into my account ( with 2 factor security ), no I think Coinbase just stole all my money!
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On Monday, XXXX, I sent XXXXUSD to XXXX XXXX XXXX through MoneyGram, Reference Number : XXXX. The funds were to be deposited to his XXXX XXXX XXXX account in XXXX XXXX, however, when Mr. XXXX went to the bank to collect them, he was told that his name was not correctly printed on the transfer, and that there were no funds to be released to him. Accordingly, I contacted MoneyGram this morning, XXXX, at approximately XXXX and requested that the transaction be canceled and the funds be returned to my checking account from which they were withdrawn. Although he said he would try to submit a refund request, the operator responded that the money had in fact been deposited into Mr. XXXX XXXX  account and it could not, therefore, be refunded to me. He stated that MoneyGram has no means of returning funds already deposited in a bank account or to guarantee that they are delivered to the intended recipient, thus effectively leaving me with no options for either recovering my funds or ensuring that they are delivered to Mr. XXXX. When I asked the MoneyGram operator to send some kind of documentation of my phone call with him wherein I asked that the transaction be canceled, he responded that there was no way to do that. There is, therefore, no official record of my cancellation request. I need help either recovering my funds from MoneyGram, or ensuring that they are delivered to the intended recipient.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FISERV INC. (DC)

I contacted Telecheck on XX/XX/XXXX, regarding a check that was returned to XXXX XXXX  XXXX Books. I was told the amount, however, I lost the name of the credit agency that now has the returned check. That check was written in XXXX. 

I called back on XX/XX/XXXX, and the representative told me she did not have a file for me with XXXX XXXX  XXXX. She did say that she had a file from XXXX for four items. XXXX does not take checks. XXXX made an error in an order I placed and they never DELIVERED the items. The items are {$19.00}, {$15.00}, {$8.00} and {$10.00}. They have attached a fee of {$100.00} to the bill. This is {$25.00} per check. I spoke with XXXX and they said that I did not receive any goods from them and they do not accept checks. My checking account number has been removed from my XXXX account profile. I have no idea why it was there if they do not accept checks. 

Telecheck told me to call XXXX and I have contacted both with no resolution to my issue. This is compromising my ability to open a bank account as well as use a merchant debit card-such as XXXX  etc. I need your assistance.
Consumer complaint received 2021-03-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MN)

NCB Management Services is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. NCB Management wont sent any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. NCB Management also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting NCB Management delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SinglePoint GI (CA)

XXXX XXXX Balance : {$0.00} GENERAL REV XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc. (NV)

I have never received a written notice of any debts being collected, have checked my credit reports and have none, but am getting repeated calls - 2-3x a day from this number saying they are from Professional Credit Service with an important message from a debt collector. They have provided no information, no information on their company and no written documentation.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A loan for a vehicle has appeared on my credit. The company name is XXXX XXXX XXXX XXXX they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But Experian has managed to changed my personal information on my credit report as well added this account to it. I again reached out to XXXX XXXX XXXX and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that Experian had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. XXXX XXXX XXXX has sent a request to Experian stating this account is not mine. But Experian still yet has not removed this account from my credit report. I have sent Experian documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.
Consumer complaint received 2021-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I had called our mortgage company to find out why our payment went up for the month of XX/XX/2021 from XXXX to XXXX and the company said it was due to our taxes which was close to {$6000.00} then our insurance was {$2900.00}. The mortgage company said that if I could pay the escrow of the house was {$6000.00}. then my payments would remain the same but it was a fixed loan at XXXX XXXX and fixed XXXX yrs rate and we did not have to pay any property taxes since we are XXXX XXXX XXXX service connected. The mortgage company told me that all we needed to do was find a cheaper insurance for the home and that was all.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I bought a vehicle from XXXX XXXX in XXXX va. This dealership was very unprofessional and illegitimate in their business. After being confused about my contract, I went to the dealership for help, and once they caught on to the fact I was asking for to much information. They were pawning me off to several different employees with various different titles, from the sales man XXXX, finance director XXXX, and general manager XXXX. After I was not giving all my documents and was told these documents were not kept in house and were telling I needed to come back another day or wait for a call. So I finally had another person provide me with all my documents they were trying to not release to me. I got out that they charged me for a package I never signed for and wanted, and the double charged me a {$990.00} freight fee. The general manager and salesman said they are allowed to do what they do, they can sell the call whatever price they want to. They can not redo my deal because apparently made multiple payments, and they can give me a credit but wont admit to adding to freight fees but they said they are allowed to sell a car however they want to. That my car was a hot car in demand, which it was not and sold it over sticker price. I believe if they so casual say things like this and act shady and hide your documents, this business should be looked into for fraud. 
I have attached I link to all my documents I shared with my military attorney. a email from him advising legal action under the military lending act for fraudulent business and reference to a attorney handling a similar MLA case but hasnt heard word back. This attorney does work for the cfpb and name is XXXX XXXX
Consumer complaint received 2021-03-03
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.