davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX   XXXX  XXXX {$370.00} XXXX  XXXX {$10000.00}
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX {$10000.00}
Consumer complaint received 2020-03-29
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. (FL)

To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.
Consumer complaint received 2020-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; Lakeview Loan Servicing and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by Lakeview Loan Servicing in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned Lakeview Loan Services. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for Lakeview Loan Services, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from Lakeview Loan Servicing acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. Lakeview Loan Servicing considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by Lakeview, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling Lakeview Loan Services. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to Lakeview with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to Lakeview Loan Servicing have been reported as late. Finally, there was a supervisor representing Lakeview Morgage ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and Lakeview Loan Servicing that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though Lakeview Morgage has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, Equifax and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CT)

On XX/XX/21 I requested XXXX XXXX  to terminate my service immediately because XXXX was not providing the service I was paying for. I paid them {$29.00} for service used to XX/XX/21. They billed me {$100.00} later for the remaining portion of the cycle I did not use. XXXX has the ability to turn on, turn off, problem solve etc immediately from their office. Other utility companies ( telephone, electric, gas, water etc ) only bill for service used in a cycle. I reached out to XXXX and could not resolve the issue. 
The XXXX XXXX XXXXl has initiated an investigation into XXXX for not providing customers with the service expected/agreed to,
Consumer complaint received 2020-03-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (FL)

XXXX XXXX  added a false collection amount to my credit saying I owe them {$820.00} when they indeed owed me a refund of {$270.00}. I called and spoke to both progressive and receivable management and they admired the error on progressive part. The agent said she will Put a check in the mail for my refund as I was able to prove I had another insurance at that time.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

i had been using paypal and for no reason at all my account was closed i was also not given ay clear reason as to the closure of the account. 
contacted paypal regarding the closure of the account and try to appeal it but the support staff ended up saying the decision is final and theres nothing they can do about it. 
making it worse they locked the funds innitialy in the account and iam unable to withdraw it. 
I have heard that others are able to remove the funds after this period but for my case they have competely defaulted and iam still unable to withdraw it iam so frustrated and i would like to withdraw all my funds as iam in a very poor financial position. 
my paypal address is : XXXX XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Company claims it is not discriminating by not giving cli and/or card applied for Company is attempting to hide behind terms and conditions in rewards program to deny me anything larger than a XXXX $ credit line Bank of America use to give 3-7 cards to EACH individual this is abhorrent behavior
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

WFHM - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

We just filed a complaint in where XXXX stated XXXX purchased the debt XXXX XXXX and so forth on XXXX under the fair credit reporting act I must be contacted XXXX phone or XXXX Mail if not credit XXXX not reported negative I provided u a dispusition of the courts where I was in prison upon your purchase of the debt .. XXXX report I send u a disposition from XXXX XXXX XXXX XXXX XXXX was arrested in XX/XX/XXXX and I was there until I won my appeal in XXXX .. so please tell me how u made contact with me not XXXX letter was addressed to XXXX XXXX XXXX you can choose a previous address and say oh I made contact not to mention its public record its still on my credit report. Where my location was .. its not my responsibility to follow the law its yours .. your in lawfully collecting a debt. That u have no fright to and are not follow the federal and state law which states if u did not make contact u can not report any negative report.
Consumer complaint received 2024-01-01
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. (PA)

On XX/XX/XXXX, I sent my FTC report and license to XXXX, XXXX, and TransUnion. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC ()

Re : Loandepot. 
My aunt died in XX/XX/2019. She was XXXX. She had a loan on her house with loan depot, that was not due to be paid off until she was XXXX. 
She lives in Florida, we live in the XXXX. It took a little while to realise that she had a mortgage. 
In XXXX, we contacted Loan Depot to explain that she could no longer make payments. They said, " they would only talk to the personal representative ''. In XXXX, I phone them again. They said that they would not speak to me until we had the court order confirming that I was the PR. 
On XX/XX/XXXX, we received the court order. I immediately contact loan depot again. They requested a copy of my aunt 's death certificate and a copy of the court order. This had to be sent by post as they do not have a secure email address. Additionally I sent a copy of my photo ID as I suspected that they would need this. 
I did not hear back from them. 
On XXXX XXXX I phoned them again. After 26 minutes I spoke to an someone ( I have the name and ID ) who said they were still reviewing the documents and there would be an outcome on the Friday XXXX. She would not tell me any more, nor how I could be expected to hear from them. But she did say they would not make an international phone call and that they would not email. 
On XXXX XXXX, I had still heard nothing. I phone again. After 69 minutes on the telephone, I was told that they had no idea when we would hear. 
On XXXX XXXX I phone again. Apparently they sent further correspondence Mailed XXXX Additional documentation has been requested, photo ID, I had already sent this. I would need to make a payoff request They have started to forclose on the loan. 
Their system, is unable to cope with an overseas address! 
They have approved me as the personal representative, but as they have started to forclose on the loan, I would need to speak to the forclosure attorney The loan passed on on XXXX XXXX. 
We are now being charged attorney fees and costs, late fees and interest. 
I have not received any written correspondence yet from Loandepot
Consumer complaint received 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for loss mitigation assistants with XXXX XXXX XXXX and was in the process of a short sale loan approval, when i was notified that the loan was being transferred to a new loan servicing company on XX/XX/2020 to Shell Point Mortgage Servicing, My loan was already in loss mitigation when shell point received it i was told by the representatives at XXXX XXXX that my file would just continue on with the new servicing company and all foreclosure action had cease and desist because of the short sale process, But Shell Point decided to ignore and disregard the California Home Owners Bill of Rights as well as the recently mandate decree by Governor XXXX for financial institutions to stop all foreclosures against California citizens, in light of the recent events of COVID-19 which has crippled just about every industry in this nation all real estate business has stopped, Shell Point has violated all laws and rules pertaining to my Loss Mitigation short sale process they need to REVERSE ALL FORECLOSURE ACTION IMMEDIATELY!!!
Consumer complaint received 2022-03-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-03-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

On multiple occasions in the past, I have tried to ...

1. ) Lower my monthly payment due to income issues, but was told I had to pay what the payment was set for.

2. ) Make a payment arrangement, but was led into forbearance.

3. ) Remove the co-signer on the loan, but was told I had to make a ridiculous amount of payments first. Also, they never sent me the paperwork for the removal after said payments were made. 

I also believe that they have charged me late fees that I am not responsible for, and I see payment reversals on my payment history that I know nothing about.
Consumer complaint received 2022-03-25
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: U.S. BANCORP (CA)

THIS CRIMINAL COMPANY IS ENGAGED IN FRAUD, DISCRIMINATION - IN HARASSING WITH RESPECT TO MY CREDIT CARD. BILLS ARE PAID ON TIME. THEY DO NOT GIVE REWARD POINT. THEY HARASS NOT AUTHORIZING TRANSACTION ANY TIME. 

THEY ARE HARASSING ME ALL THE TIME.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (NC)

I attempted to use my card at the atm and was told the transaction couldn’t complete so I called the company around XXXX  XXXX  and was told “ we are sorry for the inconvenience but we can not answer any questions at this time call back in 3 hours.”  I called back at XXXX  XXXX  and was told the exact same thing. I can’t check my balance, I have no idea if the still have my money. They have given no ETA or inclination that they even know what the issue is. I am unable to use my card and my money is being held hostage by this company. It is 5 days before XXXX. The card is Bluebird by American Express. What irks me is they have on their website that the website is down but that the cards are unaffected and can still be used, but they can’t.
Consumer complaint received 2022-12-31
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. (GA)

I previously had a vehicle loan with XXXX XXXX XXXX XXXX. This loan was for a XXXX XXXX XXXX, and the payments were due on the XXXX of each month. This vehicle was paid off on XX/XX/XXXX. However, XXXX has reported on my credit report that my XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. The vehicle was paid off prior to the XX/XX/XXXX payment being 30 days late, and the loan was completely closed by XX/XX/XXXX. I have reached out to XXXX twice. The first time, they told me to dispute the information, and the person I spoke to said that these XXXX late payments are definitely reported incorrectly. I disputed with Experian, but the information was not changed. I then spoke to XXXX again and got a statement from them saying that the loan was paid off on XX/XX/XXXX. I submitted this document with a new dispute for Experian. However, the incorrect late payments were not taken off my credit report. Experian states that XXXX has verified the information on my credit report as correct. However, I have documentation and have had conversations with XXXX that contradict that.
Consumer complaint received 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ID)

We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Wells Fargo Bank for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 

We have called Wells Fargo Bank on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

I saw a collection on all 3 credit bureaus on my report from CONSUMER ADJUSTMENT for {$550.00}. I did not get any type of letter from CONSUMER ADJUSTMENT letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )