davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mortgage was transferred from XXXX to Carrington in the middle of a loan modification that would take my payments from {$860.00} to {$740.00} and extend my loan payoff date to 40 years instead of 30 years. XXXX negligently did not complete the process before selling off my mortgage and Carrington negligently has refused to respond to my emails asking for a letter verifying they were working on my loan modification. Carrington has only sent me letters of intent to foreclose and when I call them and ask them why they tell me not to worry and that they are still working on the loan modification, but still refuse to give me that reassurance in writing. 

So at the end of the day, all I have are letters stating I'm about to be foreclosed on. 
Nobody knows where in the process my loan modification is. 
Everybody keeps says 'if I did what I was supposed to do on my end, everything will be ok '. They refuse to acknowledge that they are modifying my loan in writing. 

If I have to file for bankruptcy to stop a foreclosure I will take Carrington to court for pain and sufferings.
Consumer complaint received 2023-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I applied and received a loan to payoff my credit cards. As of XX/XX/XXXX OneMain Financial began charging me interest on the loan they originated and stated they would pay my credit cards directly. Its been 3 weeks and my credit card companies have not received any payoff. OneMain Financial is charging me interest on a loan that they have not funded. I have made over 25 phone calls to this company and have not received any resolution.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

They illegal purchased my personal information without my consent that violates the privacy act XXXX  and 15 usc 6802. my name has a copyright and im strict with someone using my name for any financial gain.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/ I got notified via email and XXXX XXXX that I just got approved for a credit card with Capital One for a limit of {$1000.00}. I dont have a credit card nor did I apply for one. A representative confirmed that my social, name, phone number and address matched what they had via the application however, the email did not match. I told them that it was not me and they said they had to investigate the situation. I also informed XXXX XXXX of the issue and filed a dispute.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-08
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: Resurgent Capital Services L.P. (TX)

I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX  FOREVER. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

A person by the name of XXXX has stolen my wallet with credit card information including my phone. Hes opening accounts using my ID.. 
I received a cash app debit card in the mail, which I did not order. I looked up the account and it created with my name, but I do not have access to it. I reported it to CashApp and they have not done anything about it. The account remains active He has rented cars with different IDs so please review carefully and contact the police. He might be armed and dangerous. Thank you.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 I was notified that my account with Bank of America was being closed as a result of the bank policy. I was not given advance notice or anything. The bank just made a choice to end the relationship. Upon me trying to retrieve the money from my account the Bank decided to not allow me to get my money that's sitting in the account. 

The money that is in the account was money that was borrowed from a friend for an medical emergency. Bank of America left me and my family in a bad space that we couldn't have the medical procedure done do to them not allowing me access to recover my funds. 

I've escalated to managers and supervisors and was rudely talked to and told that they are keeping my money. I've asked to escalate this matter to upper management and was denied. 

I'm not working due to the coronavirus and this is all the money I have. Bank of America left us in a very bad place.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. 
The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet emergency financial needs during Family crisis  at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek Credit card Debt relief and/or Chapter XXXX Bankruptcy methods.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-12-08
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

" XXXX XXXX XXXX XXXX '' is the original creditor and a collection agency is " Common wealth. '' According to the reports i was able to access this was opened on three different dates XX/XX/23, XX/XX/23 and another on XX/XX/23. And the amount is {$1600.00}. Ive already contacted XXXX for false collection and that no information of this debt was communicated to me by mail, email, or phone and that it suddenly appeared on my credit score. Ive contacted my hospital for records as well and ill be contacting my banks.
Consumer complaint received 2023-10-02
Product: Credit reporting 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. (RI)

I DONT AUTHORIZE THESE INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Received notice letters stating condominium insurance had expired, that no renewal certificate was received, and that force placed insurance would be purchased at likely higher cost. In fact, condo insurance had not expired and will be in force for more than 4 more months. Required me to spend time with my insurance company and then with Nation Star Mortgage ( NSM ) in order to straighten this out. Was told that their system failed to update. That can not be correct as there was nothing to update ( condo policy was XXXX XXXX - XXXX XXXX effective dates ). What bothers me more than spending 45 minutes fixing a non-issue, is how difficult NSM 's phone system was. Their system did everything possible to keep me from speaking to a human being. By the time I eventually spoke to one, he was very kind and ( eventually ) helpful. I pressed " XXXX '' over and over much to the automated system 's dissatisfaction. Should n't it be easier to speak to a human being?
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My joint account with XXXX XXXX was closed in XXXX of XXXX  by my daughter. I need a letter stating that the joint account is closed and has XXXX balance. The letter must state this joint account is closed and currently has no balance. I requested this information and they did not want to provide this letter and mail it to my current home address. I need this for a financial background check to renew my section 8. 

Thank you
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

This information is not mine, it does not belong to me and I do not want it in my report. 

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 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XX/XX/23 I set up one payment for each of XXXX of my credit cards. There wasn't enough in the bank account the money was coming from because I selected the wrong acct. But the credit card company attempted to take the money XXXX times for each card. Resulting in XXXX chargeback fees for only XXXX payment scheduled ( XXXX because XXXX separatecarda they did this to ). I called the company and they didn't accept that they did that attempted to take money XXXX times. I can clearly see it on the bank statement.. and refuses to pay for the fees that their program/company messed up on. I have emails from the company saying my " scheduled payment did not go through and must be rescheduled " so there should not have been XXXX more attempts to take money from the acct. For each card.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation (CA)

Onemain Financial told me I was approved for multiples loans, then after I gave them my info they denied me and sent my info to a bunch of subprime money lenders who want to give me 130 % APRs Now im being barraged by these scammers.
Consumer complaint received 2023-10-02
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. (TX)

I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Consumer complaint received 2023-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (ME)

I had to have lab work completed in XX/XX/XXXX, the company requesting payment XXXX XXXX XXXX XXXX XXXX Maine, I had to file XXXX complaints with their patient relations department regarding these charges. Twice the day I had the lab work drawn as they could not figure out how to enter my insurance information into their computer system and I provided them with a copy of the card, the registration rep still could not enter it and made me self pay. I had to call patient relations to get it resolved. Never heard anything again. I then get a bill from them in XXXX of XXXX prompting a call and they are telling me its not self pay charges its what I owe for not meeting my deductible. I never got an EOB, I never got an invoice until 14 months later, I called did not get it resolved and reported to patient relations again. I called Paragon review once I got the collections notice as I was never given any answers from Innovative Health who assured me a callback from a supervisor in XX/XX/XXXX. I told this information to Paragon that I am disputing. This falls under the No Surprise Act. I was never given any opportunity to make payments, never provided a EOB and would pay charges that were mine but I am not paying for " surprise charges '' especially when I did due diligence to rectify this before it got to collections. This is Innovative Health Error and they are responsible for the charges. I take my credit very serious and I pay my bills, that is why I am taking all necessary steps to fix this even though I tried several times before this.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NC)

I signed up with a credit bulider plus accout with Money Lion. The money is put inot reserves until you pay it off, This account is designed to be a credit builder. They have reported me 3 months late on money that is in reserves, and have no access to, and have severely hurt my credit report. I am small business owner, so it really took a toll on me. When I spoke to the XXXX, she refused to give her last name or I.D., she was extremely rude. I would like a full refund of the money I unvested into to this credit bulder loan, I was told that they can not close my loan until I pay it in full. Once, again, never recieved but {$100.00}, which is now part of the reserves plus the {$200.00} invested. The lady told me they reported me because they couldnot get in touch with me? I beleive I may have been scameed out of {$220.00} and negative credit report. All I want is my {$220.00} back, and for them to remove all the negative reporting off of my credit report.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MA)

I opened a new credit card account with PNC and immediately set up auto pay to avoid any fees or late payments. Their system chose a payment date for me and I completed the setup with my bank account. I review a statement several months later and saw that I was being charged late fees. I called PNC to get this situation corrected and a customer service representative informed me that my payment date was after my due date. The representative told me that she would correct the issue and as a courtesy remove one ( 1 ) late fee. A few months later I reviewed my statement and was still being charged late fees. I called PNC and requested a supervisor review what had happened and to get the recorded calls. I have not been contacted as of yet and am still getting late fees.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.