davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX XXXXXXXX : To XXXX : From XXXX until XX/XX/XXXX, you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage Moratorium. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank Adjustment/ Deed-in-Lieu/Bank Liquidation . My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as XXXX. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure. 
I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and my consumer rights.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

Ive been with the brokerage platform Robinhood for some time now and around the XXXX of XXXX I was restricted on my account due to security issues ( I was trying to withdraw my money not knowing how to use the new card update feature ( also on the XXXX ) I submitted them all the proper documentation such as ( a selfie, my license, and XXXX different bank statements ) shortly after I call them and they tell me that theyd push my case through faster only to still be locked from obtaining my money Ive told them numerous times I just want my funds Ill no longer use the platform.. however now when I attempt to contact them they dont give me any calls nor emails and my account is still locked! I cant do anything They do not help at all I just need my money
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I opened a checking account online with chase bank I was told I was appoved for a simple checking account. Upon attempting to access the phone application my access had been blocked. I called customer service and they stated that I would be getting a letter with an explanation. After receiving the letter it stated that they closed the account but there was no actual justification stated I was advised to check my credit report. I also attempted to go to a branch where I was given a phone number to call. They simply stated they have a right to close an account for any reason and didnt offer any further assistance.
Consumer complaint received 2022-12-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I believe that Carrington Mortgage services , LLC have used deceptive and misleading and undisclosed practices and contracting that go against The TRUTH AND LEADING ACT, TITLE XXXX USC 1692a,1692b and 1692c. This put my family in serious harms way and has violated my Consumer Rights. 

account number : XXXX amount : unknown actions taken by Carrington Mortgage services , LLC
Consumer complaint received 2022-12-13
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. (NJ)

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-27
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: SYNCHRONY FINANCIAL (VA)

XX/XX/2022, payment of {$710.00}. Reported as a 30 days past due. 

This is my first time requesting the 30 days past due to be removed in my XXXX, XXXX XXXX, and XXXX Credit Bureau Report. It was my oversight that I did not pay on time due to illness and not opening the mails. My payment are up to date and I pay the past due amount. I would appreciate it tremendously if to consider my request. As of today, I am up to date with my payments, and I will be carefully attentive to my bills. 
Thank you so much for your consideration to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (CA)

I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I have been receiving notices from a Collection Agency ( Real Time Solutions ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to XXXX ( XXXX XXXX XXXX XXXX ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX '' not XXXX. I have been told that XXXX  has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/23 I proceeded to Lowes in XXXX California. I informed the cashier that I did not have the physical card with me and if she would be kind enough to look up my account in her system. I handed her my identification and I told her I was in the service. She proceeded to tell me she found my account info. However, the credit card company decided to decline my purchase and lock up my card. It was less than {$300.00}. I called the company and asked them why they had not honor my purchase and they said it was because they couldn't verify my identity. The nightmare begun soon after. I get this very sketchy text message purportedly from Synchrony telling me to click on this tiny url. The instructions called for me to upload a copy of both front and back ( barcode of license ) of my drivers license. It had me do it multiple times because supposedly it couldn't capture good images. Next it wanted me to move my head up and down in the form of a video similar to what you do for your XXXX  XXXX. It scared me to death. After that, I was to call the number at the end of the completion process after a code had been generated. So I called the number and spoke to a person with XXXX accent and gave her my code. The code never worked and now my account has the following message : " Your attention is required. 
There is an issue with your account. Please contact customer service at XXXX. '' I called the number and they said I should try the process again, I did and now I get a message saying someone has completed the process or someone is trying to impersonate me. Synchrony also informed me if it doesnt work I should mail them documentation. I don't trust the verification process through the phone how am I supposed to trust them via post office
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I have a pending charge from XXXX XXXX one on my wells Fargo debit I did not make at All for XXXX dollars. I have no accounts with XXXX XXXX its still pending as well and has it been posted.
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (TN)

when i learned of the debt I got an attorney to send an offer to settle it out of court but the collection company refused the offer collection company is fraudulently pretending to be the original creditor collection company has not provided me with any served papers collection company used a non suit judgement without serving me any papers collection company went to previous addresses bothering the people that live there now collection company puts liens on relatives houses collection company re-reported old debt as new debt to the credit bureaus when it was already reported by original creditor and removed from report from original creditor the debt was in a different name yet the company re reported it to the credit bureaus under new name Original creditor was contacted on two occasions and has no record of this debt what so ever tied to my social security number
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before Christmas. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX  XXXX   which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXX records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something somewhere, I don't know.
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I paid off my home mortgage loan ( Mr. Cooper mortgage company ) a month ago, in XX/XX/XXXX, and received a letter at the end of XX/XX/XXXX, confirming this along with a promise to stop the automatic biweekly withdrawals : {$2900.00}. I was surprised to find out that the automatic withdrawal continues on XXXX : XX/XX/XXXX and called customer service. I was told, that it is a computer-related problem and promised to be reimbursed within two weeks. Instead, I found out that the next withdrawal on XX/XX/XXXX was made by XXXX XXXXXXXX XXXX company again. The customer service is very rough and I go nowhere so far. Please assist me. 
Thank you in advance.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I had a emergency accident in XXXX on vacation and needed to get XXXX XXXXXXXX. During my stay they charged my card 3 times and for more than they claimed and without me knowing it was charged 3 times. 

American Express did not ask me any questions they just closed the dispute with no way for me to explain what happened or how to fix what happened. 

On one of the credit card charges they over charged me after saying everything would be {$5000.00} USD and charged around XXXX XXXX
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (MA)

I have XXXX complaints with the same bank regarding a Prime Equity Line of Credit. 
On XX/XX/XXXX I made a final payment on a Prime Equity Line of Credit to Wells Fargo Bank XXXX. The account was opened by my husband who is now deceased. I am executor of his estate. 
After my husband passed in XX/XX/XXXX I went to the branch in XXXXXXXX XXXX with all the documents and closed his checking accounts. 
At that time I questioned whether the Lines of Credit needed to be paid because they were in my husband 's name and was told that was not necessary. I could keep making payments in his name. 
On XX/XX/XXXX XXXX line of credit was paid off. On XX/XX/XXXX Wells Fargo electronically submitted a Satisfaction of Security Instrument to XXXX XXXX Register of Deeds " in accordance of state law ''. The Grantor ( s ) name was spelling incorrectly and so the county has requested a Correction Affidavit to release the lien. I have spoken with Wells Fargo Probate Department to try and get this corrected and they claim the County made the error. Because I am not the account holder I can only work with the Probate Department and so I am stuck. 
When Wells Fargo allowed the Line of Credit to remain open they continued to make money but I essentially had no authority over the account. 
On XX/XX/XXXX I paid the final line of credit. In the payoff Statement it states " After the payoff is complete, we'll release the lien on the property in accordance with state law. '' I does not indicate that it will take between XXXX or as many as XXXX day for the paperwork to be submitted. 
I have a contract to sell the house tied to the liens. I was supposed to close XX/XX/XXXX but I am now in limbo and no one can tell me where the paperwork is or when I can expect it to be submitted. 
I am completely powerless. It is outrageous that there is no way to obtain the lien release within a reasonable amount of time. It should state in the payoff Statement that it is a prolonged process. I could have had the loan paid at closing. I am completely and utterly at a loss. Any help or guidance would be appreciated. 
Thank you
Consumer complaint received 2023-07-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

Nelnet has reported to the credit reporting agencies my monthly payments for my public student loans have been late since XXXX, XXXX. 

The US Department of Education COVID-19 Forbearance Program requires public student loan payments to not be reported late and be subject to forbearance until XXXX, XXXX. 

Thus, Nelnet is wrongfully reporting my monthly public stunt loan payments as late.
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (GA)

Healthcare Finance Direct is a financial institution that serviced the now defunct XXXX XXXX XXXX. Despite XXXX XXXX XXXX contracts now being null and void because XXXX XXXX XXXX can no longer fulfill its contractual obligations ( for example : no longer providing any services, correcting teeth after aligners did not work as promised ), Healthcare Finance Direct is refusing to cancel payments and attempting to collect on a voided contract. 

I have contacted them repeatedly in writing and referred them to the contract I signed, indicating that XXXX XXXX XXXX was unable to fulfill their side of the contract and I now have significant issues with my teeth XXXX can not correct, but Healthcare Finance Direct have not responded except to send late payment bills and threaten to take me to collections.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXXXXXX XXXX XXXX XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX  XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX  # XXXX should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX  XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

During the XXXX Pandemic Credit acceptance was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to XXXX  XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I am a handyman and work for myself. I fell behind on my mortgage during the XXXX pandemic due to a decrease in income as people were not hiring contractors to come into their homes. I requested a modification and sent in my information. I use my personal bank account for work. I received a denial stating that my income was below {$1500.00} a month and that I did not have the income to support the loan. I then appealed as my income is in excess of $ XXXX  monthly. I then called my lender to check on my appeal and I was told that my loan was no longer eligible for review. I was told I am unable to appeal the denial decision which is inaccurate. I do not think this is fair. I was under the impression that lenders were not supposed to put you into foreclosure if you had a XXXX hardship. I am in foreclosure now and my lender will not listen to me even when I send in proof they calculated the incorrect income. I would like a fair review with the correct income.