davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

The JPMChase British Air Visa card has a problematic " Float Pay '' program that is implemented in a fashion that is abusive. Payments made to the card are often not reflected in credit availability for sometimes up to 15 days. 

The bank claims that this is to insure clearance of funds from the paying bank. However, when Chase is withdrawing from my other bank through ACH, there is no excuse for any delay as the reduction from my bank account reflecting the payment to Chase is immediate. 

The implementation of this policy must change.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I HAVE MADE MY MONTHLY PAYMENTS WITH THE NEW LOAN PROVIDER, XXXX  XXXX FOR THE LAST 12 MONTHS. THE MINIMUM PAYMENT REQUIRED IS {$1400.00}. 
XXXX XXXX INFORMED ME THAT THE LOAN WAS IN DEFAULT DESPITE CASHING THE MONTHLY CHECKS. THE COMPANY ALSO STATED THAT THE DEFAULT OCCURRED BECAUSE OF THE WAY IN WHICH THEY CREDITED THE ACCOUNT. 

DURING THIS TIME, MY CREDIT RATING HAS BEEN IMPAIRED SINCE THE COMPANY REPORTED THAT I WAS IN DEFAULT. ADDITIONALLY, THE COMPANY CONTINUED TO ADD LATE FEES TO THE ACCOUNT AND REFUSED TO GIVE ME ONLINE ACCESS TO THE ACCOUNT. 

MY MOST RECENT CONVERSATION TODAY XX/XX/14 LASTED 40 MINUTES WITHOUT A RESOLUTION. 

THE SAME PRACTICES USED BY THIS COMPANY WAS PREVALENT WITH THE XXXX, THE PREVIOUS LOAN SERVICER, BEFORE THAT COMPANY FILED FOR BANKRUPTCY. MEANWHILE, MILLIONS OF INNOCENT AMERICANS CONTINUE TO LOSE THEIR HOMES BECAUSE OF THE UNSCRUPULOUS PRACTICES BY XXXX AND OTHER MORTGAGE SERVICING COMPANIES.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (NJ)

I paid this account on XX/XX/2020 and it is still showing as Negative Collection on my XXXX report as unpaid. I submitted a recent dispute with XXXX on XXXX XXXX and the dispute results outcome was an unpaid collection debt. Please report this debt from XXXX   credit report as settled or XXXX balance.
Consumer complaint received 2020-08-14
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America loan origination date XX/XX/XXXX, loan amount {$210000.00}. 
Requested a 2 year payment history, due to misapplied payments, it is dated XX/XX/XXXX, gross unpaid principal balance on the report is {$230000.00}. 

I had a period of 3 years trying to get Bank of America to modify my loan and had to finally hire an attorney because I could not get anywhere with them by myself. I paid on the original loan amount for 12 years and now I owe {$26000.00} more than the original loan amount. 

I have been calling since XXXX to get help from Bank of America and as of today, I have yet to get the information that I need. Every time that you call you get a different person who tells you something completely different than the person before that and the person before that. 

I have a payment that was misapplied and have called on multiple occasions and was told that it is being reversed and applied correctly only to find out the next month when log in to make my mortgage payment it still shows that I am behind. 

I called on XX/XX/XXXX and was told I will get a call from a Manager within 24-48 hours, today is XX/XX/XXXX, still no call. 

I am in desperate need of assistance with my mortgage account at Bank of America.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TN)

I was contacted around XX/XX/XXXX by phone and it was a representative from Professional Bureau of collections of Maryland. She told me there was a balance of {$340.00} on the  account and that i needed to pay right away or they would damage my credit by putting a collection notice on my account. 
I told her I had not received a letter or bill and I didn't have time to talk. 
I called back later that day and spoke with a man who was very rude and said the same thing threatening our credit report. 
I told him that i had not recieved a bill or letter and wasnt going to pay anything until i recieved it. He again threatened my credit and i told him i will wait for the notice. 
I recieved the Letter dated XX/XX/XXXX and the bill was {$340.00}. I pulled up the EOB from the insurance company that says I owe {$160.00} and that the insurance company had issued a check for {$180.00} on XX/XX/XXXX directly to the creditor. 
I then called the collection company and told them that I only owe the {$160.00} and had proof that the balance of {$180.00} had been paid by the insurance co. 
I sent the proof to XXXX and then he called me back and agreed thats all I owe so I paid them over the phone {$160.00}. 
Yesterday XX/XX/XXXX i recieved a notice on my credit report that there is a collection on my report from the same company. I called them and they said that i still owe the {$180.00} and they will not take the collection down until i pay it. My Insurance company has already Paid it!!!
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXX Remove late payments XX/XX/XXXX & XX/XX/XXXX. XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (TX)

I contacted wisely pay cards dispute center on XX/XX/XXXX after recieving a letter of a disputed charge in which they didn't properly dispute the correct transaction. Once they corrected the issue and filed a dispute for the correct transaction. i received the correct dispute letter on XX/XX/2022 and sent it back through email on XXXX XXXX as of XX/XX/2022 i had not received any provisional credit as stated by bank. the time frame was to send the form back within 10 business days from the form being mailed to me. i contacted the bank XX/XX/2022 regarding the dispute and credit. i was told that i needed to request the credit verbally, which is not true. stating they would file a request for the credit today. Wisely card company has a habit of deceiving consumers who file disputes because they dot want to assist. they create obstacles that's not even in their terms and conditions in order to not have to provide provisional credit. as of XX/XX/2022 i still have not received credit.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc (MN)

XX/XX/XXXX @ XXXX received text from XXXX Venmo service of PayPal to stop messages Received message We've turned off notifications from PayPal Mobile services. Got another text XX/XX/XXXX @ XXXX text stop got message saying We've turned off notifications from PayPal Mobile services. Got another text XXXX @ XXXX same thing as first 2 times texted stop. Same reply from them. XX/XX/XXXX same text I replied stop again
Consumer complaint received 2020-08-14
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 filed a dispute with Trans Union regarding their Public Records section on my consumer credit file. Trans Union was reporting accounts labeled as included in bankruptcy in that section of my report, even though, some of the accounts were not in existence when I filed a Chapter XXXX Bankruptcy in XXXX. A case in point were the Missouri Higher Loan Authority accounts, which were filed with them in XXXX and XXXX. As a result of the dispute Trans Union moved the accounts out of the Public Records section and moved them to the delinquent accounts section. 

As you know I have filed several complaints with your office regarding all three credit reporting bureaus, Trans Union, XXXX  and XXXX. It appears that they have interrupted the Fair Credit Reporting Act differently than it is written. When I inquired of XXXX  how they went about verifying the Chapter XXXX Bankruptcy, they sent a post card where the say they may contact the provider of the information for an investigation, however, the act says that they shall contact. It is sad when the oversight allows the agency to conduct themselves in a manner that is in direct conflict with the Act.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Using the information on 'best practices ' that these credit bureaus provide, I have reduced my usage to below 1 %, paid off all outstanding debt, made all payments on time, etc. 

Today, XX/XX/2020, Overnight my credit score plummeted by 64 points ( XXXX ) and by 20 points ( Transunion ) because my credit card numbers were changed. According to the information that XXXX XXXX provided, those were the only change on my account. Even though, the explanation I received stated that the changed CC numbers should have no impact. 

Additionally, the length of the oldest credit is stated as just over 2 years because I paid off student loans a few months ago - which also has an impact on my score. So, because I paid off the loan, it no longer qualifies as 'oldest credit. ' It appears that the more I follow the stated 'guidelines ' that the credit bureaus provide, the lower my credit score. The rating system seems at odds with the advice that the bureaus provide and this is reflected in my credit. 

Perhaps the algorithm that calculates such things should reflect what the consumer is being advised or vice versa.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.
Consumer complaint received 2020-08-14
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. (LA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (UT)

NC Financial -XXXX : This is a fraudulent account. I have tried disputing this with the original company and they denied the request even though I have filed a police report against this. It needs to be removed from my credit report immediately!!!
Consumer complaint received 2020-08-14
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. (LA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}
Consumer complaint received 2020-08-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (NC)

A few weeks ago I called and informed Plaza Home Mortgage Services / ( XXXX ) that I had paid the taxes and insurance for the current year and not to make those payments from the escrow account ; I also requested the termination/elimination of the escrow portion from the mortgage and that I would make the payment for the taxes and insurance from this point forward. 

A few days ago I received a letter dated XXXX XX/XX/XXXX stating, " We regret to inform you that investor requirements (? ) do not provide for removal of your escrow at this time. '' Prior to receiving this letter I had learned after I informed XXXX a few weeks ago not to make any further escrow payments, that XXXX had posted an insurance payment from this escrow. 

After I received the XXXX XX/XX/XXXX letter, I called to discuss the removal of the escrow and the fact that I had already notified XXXX not to make any of the escrow payments of which one had been posted. It appears XXXX is manipulating or mismanaging the use of the escrow portion of this mortgage account to its own benefit irregardless of my directions as one of the adjustments mentioned in a letter from XXXX suggests I should increase the amount of the payment for the next FOUR ( 4 ) years to correct a deficit when I have already informed XXXX I had paid both portions of the escrow account payment. 

( Also, earlier this year I had requested the removal of the escrow portion and received a response from XXXX in a letter dated XXXX XX/XX/XXXX that stated, " We regret to inform you that we are unable to remove the escrow because you have not yet established a 12-month payment history. '' That requirement ends this month and there were three other bullet points the third of which gives XXXX an open-ended opportunity to make adjustments to any requirements whenever they choose. I believe they should supply a copy of that letter as well. ) After numerous delays and multiple conversation with many different people during this call, all of whom picked-up the call cold and claimed to have no knowledge of my previous discussions I was finally transferred to someone in escalation (? ) who promptly ended the call, saying she felt that I was disrespecting her after XXXX had wasted a tremendous amount of my personal time with an endless loop of transferred calls to customer service representatives who did not have a clue about the nature of my inquiry and as a result nothing was resolved.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been struggling to repair my credit scores Finally got my Transunion score in 770s XXXX in 760s and XXXX XXXX About a month ago both my Transunion and XXXX scores dropped significantly by over 80 points for no apparent reason Everything is the same credit usage only 6-7 %, no new loans, last reported late payment over 2 years old The only thing is did differently was pay off a loan while my loan payments were current.

There has to be a mistake. Im trying to refinance my mortgage and the drop in credit score hurts a lot! 
I need an explanation. 
Thanks! 
Respectfully, XXXX XXXX XXXX MD
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

My Wife and I attempted to refinance our current mortgage with our current mortgage company that had recently purchased our mortgage. From the beginning our loan officer thought there was a income issue and wanted to have underwriting review the income before ordering a appraisal. We sent in all requested documentation to the loan officer and began looking at different loan options. After 5 weeks we were informed that we were clear to get the appraisal. We paid our loan officer directly for the appraisal which we though was odd. The appraisal came back a little lower than expected which wouldn't allow us to pay certain debts off in a cash out refinance to meet our needed debt to income ratio. We advised our loan officer we could pay those debts out of pocket and with that he sent us a new XXXX cash out refinance offer which we signed. We asked our loan officer should we pay debts off now or would it need to be done at closing? The loan officer replied let me get with underwriting and he would get back us. After week of 0 communication, our loan officer responded to email my wife wrote stating that the company was unable to approve us because my income was part commission. We than asked if commission is unacceptable and you reviewed our income information with underwriting, why did you order and charge us for appraisal? We advised that we felt there should have never been appraisal if commission income is unacceptable, we want our appraisal money back. To date the company has refused to refund the appraisal fee. We have also made a complaint with the XXXX XXXX XXXX and the company still refuses to refund the appraisal. We are very concerned they ordered this appraisal to gather information about the property. Another concern is that if our income didn't qualify for the a new loan at a much lower payment how do we qualify for the we have now? Hopefully they won't use the information against us. We would like appraisal fee refunded the company had no reason to appraise our house if the income was unacceptable.
Consumer complaint received 2024-04-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (LA)

Applied for a loan with One Main Financial : When the loan was approved, I was told I had to all add-on services were a part of the loan such as roadside assistance, XXXX, insurance. etc. I was never told it was an option. The interest rates and monthly payment was so high, I had to get another loan with a lower rate to pay that loan off.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I saw a collection account on my credit report a couple years back. I fought it and disputed online through XXXX. I had asked the creditor LVNV Funding LLC to send me information to verify the debt is mine. I never received any information yet the creditor lists my account is verified.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MA)

On my Uber  Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been 2 weeks now and heard about this more official complaint channel so I'm going to give this a try.