davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I am the spouse of a Veteran. My husband abandoned his home in XXXX XXXX. The house is in his name. I am still residing in the home. During the pandemic we were put on a 12 month program for the payments my husband had authorized me to talk to them then. Now when I reached out to them they are saying they don't have the authorization from him this is a lie. They are refusing to give me any information on the loan or even tell me what the amount is to pay. I want to keep the home but if they are not going to communicate with me the house is subject to foreclosure! That means I will be homeless. I have not spoken to my husband since he left or have I seen him. Also I have programs and resources to help me with the payments but again they are refusing to speak with me on this matter. I was told by one party to fax in a letter saying when he left and then they would further assist me but then when I called back to make sure I had the right fax number they said whoever gave me that information was incorrect and they couldn't discuss anything with me two different rules. I am trying to keep my home at this point I have no other choice but to go through the court system which I wasn't ready to do but I don't want to lose my home either. I need help resolving this issue.
Consumer complaint received 2021-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

We only began receiving paper PNC mortgage statements XX/XX/2021, although PNC began withdrawing payments from our account on XX/XX/2021 and XX/XX/2021. 
The XX/XX/2021 statement reflected withdraws on XX/XX/2021, XX/XX/2021, and XX/XX/2021. 
We are concerned that the XX/XX/2021 and the XX/XX/2021 payments have not been deducted from our mortgage loan amount. 
We have tried calling the XXXX number repeatedly, but it rings and rings - NO ANSWER, no greeting, nothing. 
We tried the XXXX number, but it addresses " voice-mail/on line '' banking. 
We researched and found a couple of branches, one of which was just an ATM. 
We called the XXXX, Ohio branch and was referred XXXX XXXX, a mortgage loan officer.

On or about XX/XX/2021, we called his number XXXX and left a message requesting help. No response. 
PNC makes it very difficult/impossible to speak to someone in person to address concerns. Instead PNC focuses on online business- we would say, based on our experience, to the exclusion of actual real-person interaction. 
We would appreciate help to resolve our dilemma.
Consumer complaint received 2021-09-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I did the forbearance as of XX/XX/2020 in XXXX they contacted me to apply for hardship I still was not working because of Covid 19 2 months later they request statements taxes check stubs and a month ago they said no to everything balloon payment over XXXX to pay or second option foreclosure! They said I needed more income after denying me the hardship they could not do anything for me since XXXX my income has gone up but they didnt ask me to submit any other documents!! All I want is help from them something realistic not paying over XXXX in 20 days
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hi Sir/Madam, The situation is as follows. 
I purchase a XXXX laptop and an XXXX XXXX XXXX on XXXX. The payment method is a XXXX  XXXX XXXX credit card that on my PayPal account. 

The total amount of the purchase is {$4700.00}. After I purchased it, due to the pricing issue I canceled the order online and XXXX said they will refund to my credit card. In the same day the {$4700.00} was refunded but it refund to PayPal account balance not my XXXX  XXXX XXXX credit itself. So I need to transfer such funds to my personal checking account in order to pay off the charge.. The transfer was completed but then after a few days, I received an email from PayPal that they are going to suspend my account. 

Today XX/XX/XXXX, PayPal reverse the ACH transfer and made my account overdraft .. it is ridiculous and it is a FRAUD. The purchase already POSTED on my credit card and either your should refund the credit back to my credit card or I need the refund money back to my account in order to pay off the charge but now you reverse the credit then how can I pay the card? 

It is unacceptable and rude. They didn't say or notice me anything on this. 
The activity on my PayPal account. 
XX/XX/XXXX XXXX - {$2600.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX - {$2000.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX + {$4700.00} ( Refund to my PayPal account balance not credit card ) XX/XX/XXXX PayPal - {$4700.00} ( I transfer the balance to my checking account and the status was already completed on XX/XX/XXXX ) The activity on my personal checking account. 
XX/XX/XXXX PayPal XXXX {$4700.00} XX/XX/XXXX ACH HOLD PayPal Reversal - {$4700.00} PLEASE HELP...
Consumer complaint received 2023-12-01
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. (MI)

I have countlessly tried to reason with this company regarding my identity theft I have sent multiple police reports they told me they were edited I have contacted the authorities I have disputed these accounts countless times with simple responses from this data furnisher saying they are verified they have sent me no proof of how they were verified when I ask for proof they will return with account has been updated. I am not resposible for opening these accounts. This identity theft with my personal information has caused defamation of character has caused me emotional, psychological, mental and financial distress. I am pleading with your company to help me. I have all documentation to move forward with a lawsuit. This will be my last attempt to reason with this company I need proof bearing my signature on any contracts signed, photos or video of person physically there or XXXX addresses for electronics used to open these accounts. If you can not produce these I will need all accounts removed immediately within the lawful time period. 

XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$280.00} XXXXXXXX XXXX  - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$4300.00} XXXX XXXX XXXX  OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1600.00XXXX XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$610.00} XXXX XXXX XXXX XXXX  OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1800.00} XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1500.00} XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX {$160.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$24000.00}
Consumer complaint received 2021-09-28
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-28
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-28
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 — Investigation took more than 30 days
Company: CURO Intermediate Holdings (AZ)

ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( XXXX  mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX On time XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed This Information download from XXXX XXXX and XXXX websites
Consumer complaint received 2019-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

In XX/XX/2017 I was forced to give up my car to XXXX XXXX XXXX XXXX because they wanted cash despite having acknowledging they had my payment in their hands. They claimed because there was a previous issue with my payment they refused to accept another check, however they had accepted and cashed multiple checks since but because the repo man had been sent despite having my payment in their hands, they refused to cash and demanded cash, which because of the time zone difference was impossible and I was forced to give over my car. Since then, I received a notice they would be putting the car up for auction. On the credit report it states they sold it however, I have never received the paperwork they are required to provide upon sale. I've contacted them multiple times and have been denied access to the person who is apparently responsible for my account. The amount should be adjusted to reflect the sale and the payments I've made. I've had no help with this and my attempt to dispute wasn't handled fairly.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and XXXX websites
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AL)

In XX/XX/XXXX, I notified Best Buy that I did not agree to a monthly charge for debt protection program. Customer Service Rep told me that I signed up for the service in XX/XX/XXXX when I opened the account. This is a deceptive advertising because I did not agree to this monthly charge. I asked the rep to remove monthly charge from my account and to refund all the months I received the charge. Rep indicated that it would take 30 days for a decision. I received a letter after 3-4 days indicating that I would not receive a refund. I have researched the internet and found that in XXXX Best Buy Citibank was supposed to refund all customers for this deceptive practice for debt protection. I do not recall receiving a refund and dont understand why they did not remove the service from my credit card. I would like a full refund from all the months I incurred this charge.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and Equifax. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX  Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and Equifax websites
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one credit card was fraudulently opened Has fraudulent current charges Ive written numerous letters Capital one refuses to delete from my credit report Ive also contacted all three credit rules XXXX XXXX and XXXX Count was fraudulently open online I am a victim of identity theft and there is a extended fraud on my account
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

my chase freedom unlimited credit card account was closed on XX/XX/2021 because they said that I had to many accounts open recently/ to many authorized users on my account. 
I recent have had issues with chase regarding this issue on XX/XX/2021 where they closed my account for adding authorized users to my account. so I called around to different bureaus about this matter and they advised me that I was well in my rite to add authorized users to my account.on XX/XX/2021 I received a call from chase stating that I did nothing wrong by adding my family members/and tribe members to my credit card account and they reopened my account and increased my limit from 99 authorized users yo unlimited authorized users and advised me that my account would not be closed for adding authorized users so what I did was I had them draft me a letter stating that I now have access to adding unlimited authorized and that my account would not be closed for doing so. on XX/XX/2021 chase closed my account for the exact reason they did back on XX/XX/2021 for adding authorized users so with this complaint I would like to get my account back open and get this matter resolved
Consumer complaint received 2021-09-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

I originally was pre-approved with Better Mortgage for a mortgage up to {$540000.00}. That fell to {$330000.00} after a hard credit check. I thought that was settled since they continued with the process as if they had approved the loan. I proceeded with the process to purchase the home as if the loan was secured. ( See attached paperwork ). 
At the very last moment, Better reversed course and declined the loan. 
They gave no reason at the time, but an email I received 3 weeks later states that one of those reasons was due to too many hard credit checks. 
They are one of the companies that performed several of those hard credit pulls. My credit score fell 100 points from XXXX ( good ) to XXXX ( poor ) overnight for no foreseeable reason after they reversed their decision. I didn't open any new line of credit and I wasn't late on any payments. I know that I make more money and have ( or had ) a better credit score than many they extend larger mortgage loans to. 
I believe that Better may be engaging in discriminatory practices based on a protected class covered under federal law.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

I was the victim of fraud with XXXX. The thousands of dollars was charged to my PayPal Credit Account. I have spent countless hours on the phone with XXXX and PayPal. PayPal is not reachable, the phone menu goes in circles and ends up with over 60 minute hold times. On the rare occasion someone does answer the phone their accent makes it possible to understand them. I am unable to log in or use the app for the last several months. The website and app continue to give me error messages and will not allow me to change my password. I still have no idea what has happened after 9 months!

I do know that PayPal has reported me late to the credit bureaus 3 times as a result of this mess. I demand that PayPal remove all negative reporting.