davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
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. (PA)

I recently requested copies of my credit reports from all three credit bureaus, XXXX XXXX, XXXX, Experian XXXX and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.
Consumer complaint received 2020-08-11
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was late to make my credit card payment on my capital one credit card in XXXX and XXXX of 2020, because I was quarantining from covid symptoms. I also wasnt making much income anymore because of this. I later paid the company XXXX dollars, which was the full amount that I owed in the beginning of XXXX. I have called the customer service and I have sent letters to have this issue removed, but its still affecting my credit. No action was taken by this company in regards to my covid symptoms to remove the late payments, when I have been a loyal customer and have never been late before this happening. Currently ... my balance is paid off and I owe capital one no debt.
Consumer complaint received 2020-04-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Deceased business owner XXXX XXXX XXXX, XXXX XXXX XXXX. Owner and co owner of nationstar mortgage company aka XXXX XXXX XXXX  today partner ship .has faled too give me a copy of the operational agreement attached too the company 's articles, XXXX  XXXX XXXX XXXX name change nationstar XXXX XXXX XXXX address on file .is XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX  XXXX XXXX XXXX ga XXXX. I am give nationstar a official notices, to give me a copy of all legal paper work too this company as the beneficiary 3rd party. Me mr XXXX XXXX, and XXXX XXXX, too what yall are doing with my money. Weather it a last will testament attached too this company from XXXX XXXX XXXX, or a operational agreement, or trust deed or testimony deed attached too the company articles of incorp, i need a copy of the hold file. For my records as the owner beneficiary heir. XXXX XXXX as well .all the address in this text and business name states XXXX XXXX as the old owner, need a copy of the paper work state new owner. And a copy of XXXX XXXX too what yall are doing with the money. I am a beneficiary too this businesses estate. Yall have fail too give me such paper .i serve yall this notice today. If yall do not reply. Yall will be liable for all cost this issue will accure. ... .from court and lawyer fee. I am already suffering from yall misconduct from not give me such information. Please stop the miscommunications with this from me .... XXXX XXXX XXXX XXXX ga, ... ..contact me at my address onfile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX .or call me XXXX .XXXX XXXX deceased ss number is XXXX XXXX XXXX .or XXXX XXXX XXXX .deceased businesses ownership. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX la.
Consumer complaint received 2020-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

My Complaint is against my mortgage servicer XXXX XXXX. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to COVID-19, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting  for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD  and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last 6 weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

The Navy Federal credit Union entered into am extortion conspiracy with the XXXX police, and president trump who is paying the off the XXXXPD to stalk me aNd my daughters and help him steal all my money. The fbi recently put in my account XXXX XXXX only to be immediately stolen by Trump.. this credit union also has the XXXX police stealing half my social security money monthly and there is no court order that's legal to do so. They're calling it child support but it's not. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX il vacated all child support m XXXX. This was started by a nonlicensed attorney for bribes In XXXX and former XXXX county states attorney XXXX XXXX. He was in jail per fbi but I believe yrump pardoned him because trp loved criminals. Every bank I go to does the de for bribes. Account noXXXX, rting no. XXXX.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

XX/XX/XXXX The Home Depot Consumer Credit Card Payments Home Depot Credit Services XXXX. XXXX  XXXX XXXX, KY XXXX The Home Depot Consumer Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : Account XXXX XXXX XXXX XXXX ACCOUNT REVIEW REQUEST AND INTEREST REDUCTION REQUEST, REQUEST FOR RECORDS In XXXX of XXXX I purchased an air conditioner for my new townhome for the benefit of my XXXX son. 

I understood that I was on a 24-month, 0 interest plan. I was not informed that interest would accumulate if I had not completely paid off this appliance within the 24-month period. 

I was shocked at the end of the 24-month period XXXX XXXX. XXXX? ) to discover that NONE of my payments were applied to the principal balance and that an additional {$5000.00} was added to my account balance, which took my card dramatically over the credit limit. 

I have applied for forbearance, but my intent is to understand why this information was not disclosed to me. I have called multiple XXXX numbers for XXXX XXXX and gone on-line. There is no historical information available BEYOND SIX MONTHS. 

The account overbalance has now had a negative impact on my credit score. 
I am respectfully requesting : A complete account review including payments and statements dated back to the origin of this account. 
Statements/paperwork and documentation and an explanation about the terms and interest rates charged by Home Depot A wavier of the {$5000.00} of interest ADDED TO MY ACCOUNT WITHOUT NOTICE in XXXX of XXXX A reduction of the interest rate charged on the ACTUAL balance of this account I ask that someone from the credit department contact me ASAP as my Forbearance Period ends on XX/XX/XXXX. 

Thank you for your prompt attention to this issue. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2022, I decided to change my phone provider to XXXX for a cheaper service and due to the company I was working for discounts on the bill as well. So once the order was done I chose through USSA the bank that my funds are in to do the charge of {$70.00}. When XXXX stated to me I will receive the letter in the mail to call them with the code, I did it on the XX/XX/2022. I called them on my mobile phone and gave them the code and they transferred me numerous time to finally get me to an IT person that finally told that some how of other I not be on my mobile phone due to they couldnt figure out why the transferring the service was not happing electronically, by now it was already 3 hours of dealing with it. So I borrow my daughter phone to call XXXX again. On this call another 4 hours being transferred 12 times and finally getting someone to see what can do for me then decided to tell me I need to go to one of their stores to show them my ID and for them to help me there. Every time I spoke with the agents I had already explained that I have a new phone that I have received from my daughter brand new in XXXX. So on that week Sunday I show up finally to get help and to let them know what has been happing to me on the phone and I chose at that time to cancel the service due to losing interviews and jobs and removing anything to do with XXXX for not working on time and not helping properly with me over the phone to be told by the agent in the store that they dont have a manager on the floor to cancel the order and need to call back XXXX that I want a refund. So the next day on Monday I called and was transferred again for over 10 times and still no refund them hanging up on me and being told I will get the refund. Could not call during the week due having to work. I was calling back again and went through the same thing until XX/XX/XXXX that finally I was told have being transferred over 10 times I will get the refund, but I had called USSA to let them know and to also dispute to charges of the issue just in case XXXX  doesnt do it correctly. But USSA DO NOT HELP THEIR CUSTOMERS AT ALL!! They feel that after speaking with XXXX I was in the wrong and I dont need to get my money back because I had their merchandise that I never purchase from them. I have already reported XXXX to XXXX, but still no answer from them and the USSA feels after explaining to them numerous times I never received service from the company they have the right to have my money. USSA doesnt care about their customers just keeping the big company happy. So I still dont have the charges reverse due to this. I will never use them for billing ever again, I learned my lesson.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (CA)

I have contacted PayPal a total of 45 times since this has. I have gained a little more access to my account but they keep blocking my account and they keep locking it and then making my balance negative. They are literally stealing my money. My email to my PayPal is  XXXX XXXX XXXX is the name. They are 0 help. Customer service is beyond rude. I have lost my job because of covid-19 I have lost my house my car my life! I have been living in and out of hotels and yet Paypal is still refusing to help and still withholding my money. I have uploaded all the red negative transactions arent mine. I have uploaded the dispute case for PayPal. I have uploaded the XXXX XXXX recipet that paypal has pending has a transaction on my account even though I have emailed and called a number of times showing it is cancled has been cancled and yet they arent doing anything about it.
Consumer complaint received 2020-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (TX)

XXXX XXXX  billed the incorrect insurance although they had the correct one but listed it as secondary. They never tried to collect from the correct carrier, XXXX. XXXX then sent me to collections and every month the agency submitted a negative report to the credit bureau. All XXXX had to do was contact me regarding the correct insurance or bill the other insurance that they had on file. The bill was from XX/XX/18 and it was over XXXX. Once I found out about the negative report, I then contacted XXXX where the office manager would not call me back for a week and after I left several messages. I did ask the front desk for the billing dept 's phone # and spoke to someone in billing who reviewed the bill and admitted that they made the error, so they would remove it from collection. I obtained the phone # to the collection agency and confirmed that the bill was removed, but this does not fix the 17 months of negative reporting. I then left another message for the office manager explaining I needed an immediate call back as I was in the process of filing a complaint. The manager called me back and assured me that she would have this removed from my credit report and send me a letter stating such.
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

I own a co-op apartment that I am trying to sell. On XXXX XXXX, 2019, I put my apartment on the market. That same week, I got a notification that my mortgage had been sold to XXXX and would be serviced by LoanCare. I accepted an offer on the co-op and went into contract on XXXX XXXX. The same day, I notified LoanCare via conference call with my attorney that I was selling the property and we requested the stock and lease and followed all of their instructions. I received two notices in the mail that my request had been received and acknowledged ( dated XXXX XXXX and XXXX XXXX ). Since then, no action has been taken on the part of LoanCare to produce the stock and lease and they have refused to coordinate with my attorney to set a closing date. Both myself and my attorney have called them many times ( every business day for the past several weeks ) and every time are told that there is no update. They have said that they would " escalate '' the request, but still nothing has been done. On Friday XXXX XXXX, I spoke with a supervisor who told me that she could see digital copies of all of the documents XXXX received when they purchased the loan and that the stock and lease were not among those documents. I asked if that meant they were lost, and explained ( as I have done multiple times now ) that the documents themselves can be replaced if that is the problem. She informed me that it appeared they were lost and made a note in my file that the documents were missing and that we would like to close without them. On Mon. XXXX XXXX and today ( the XXXX ) my attorney contacted them to have see if we can proceed without the physical documents, request them to complete an affidavit of lost stock and lease ( needed to replace them at closing ) and move ahead with scheduling a closing date. Their response, once again, was that they don't have an answer yet. They refuse to cooperate with myself or my attorney, refuse to schedule a closing date and refuse to communicate at all. This request was made XX/XX/XXXX and in the two and a half months since, no action has been taken on their part to complete it. My estimated closing date was XXXX XXXX. My buyers ' interest rate lock expired yesterday ( I do not know if they paid to extend it ). We are not able to close before XXXX XXXX and as of this weekend we will be in breach of the contract. My buyers are threatening to walk away and very soon they will be able to. We have been ready to close since the end of XXXX and LoanCare will not let us. They are quite literally holding my property hostage and my sale is about to fall through because they will not allow us to complete it for unknown reasons. Meanwhile I am forced to continue to pay them interest on a mortgage which should have been closed out weeks ago. I can not afford to indefinitely continue paying my mortgage and maintenance on an apartment in which I no longer reside while also paying for my current home.
Consumer complaint received 2022-10-30
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Transunion XXXX  Attn : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Transunion Interactive I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT REPORT
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position.
Consumer complaint received 2020-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CA)

XXXX XXXX attended University XXXX XXXX, XXXX, concurrent with his dad XXXX XXXX loosing his job, consequently, a Sallie Mae loan was applied for and XXXX XXXX ( dad ) was co-signer. During XXXX 's last year of college he started have XXXX XXXX and because they became worse his job prospects became limited. Consequently, XXXX XXXX made the payments to Sallie Mae for the next 4 years, on time. Now XXXX XXXX is retiring and wants to be released as co signer, which is allowed after 12 months of regular payments. 
XXXX, whose job prospects are limited has just been laid off of his most recent job and can not make payments to Sallie Mae and both XXXX and XXXX are getting calls and threatening letters about credit scores! XXXX is considered XXXX and has not been able to hold a job long enough when employers find out he has XXXX, they find a way to lay him off, so we want the signer of the loan ( XXXX ) released or payments substantially reduced but Sallie Mae has refused to talk to us and and has been rude and threatening even on the phone. We need help and need Sallie Mae to provide us this service they publish in the event people experience what we have unfortunately experienced. Thank You.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE ()

My brother used Western Union in XXXX MT to transfer {$4000.00} to me on XX/XX/2020. This was due to me being stuck in XXXX since XXXX while on vacation there, because of the Corona virus and travel ban. 
The problem is with the conversion rate used by WU in MT. They used a rate of XXXX XXXX baht to {$1.00}. The real rate over the entire year of 2020 never dipped below XXXX thb to {$1.00}. The rate for the week of XXXX was XXXX to XXXX. I did another transaction the same day at the same WU branch in XXXX on XX/XX/2020 and the rate for this was XXXX to XXXX! This deficit caused me to receive XXXX thb instead of XXXX, which meant a difference of over {$500.00}! 
I have reported this and complained to WU headquarters, which denied responsibility as well as the XXXX police department but nobody has taken any action. I have records of all this for your convenience and this evidence backs up my complaint about financial fraud by Western Union.