davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Early Warning Services, LLC (CA)

XXXX  XX/XX/2022 {$1000.00} ( XXXX XXXX  was duped, conned, unwittingly deceived tricked into transferring funds for product I NEVER RECEIVED. When asked for my money back from XXXX first then Zelle, then ( XXXX ) I was told NO. Come to find out, EARLY WARNING SERVICES LLC ( Zelle ) is owned by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( my bank ) had told me they had no relation to Zelle!!!! thats a lie!
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (VA)

I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay account.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Services Veterans Mortgage, LLC (CO)

I received a flyer in the mail from this company. I was first alarmed because I noticed that they put XXXX XXXX XXXX XXXX as their address on the envelope, I have been stationed at XXXX XXXX XXXX XXXX and know for a fact that there are Norm mortgage companies based on the facility. I called they confirmed they are a mile outside of the gate and not actually on XXXX XXXX XXXX XXXX. I also asked about the 1.75 % interest rate that they were offering, and they said that hasnt been feasible for over a month now as it is currently costing over two points.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Please review my checking and savings account for any unauthorized deposits and withdrawels.From this day forward no one is authorized to use any of the credit of XXXX XXXX XXXX .This only applies to the direct deposits from the Veterans Administration that are deposited into the above accounts.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (LA)

An account was opened in XXXX but ibhavw inquiries from this company every year I didn't apply for they also sent you a statement sayin the same I didn't appky for crwsit in XXXX or XXXX or XXXX Why do I have inquiries from your company please
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/19 I have made a wire through XXXX to a company for the amount of {$1300.00}. 
Instead of sending the wire XXXX I sent it to XXXX ... but it was sent under the name gems and diamond broker as a company ... as you can see the last digit is incorrect.. I have contacted Bank of America and they claim its out of their hands and the only thing I can do is contact the number and beg to get my money back but the number is off..
Consumer complaint received 2022-06-11
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 — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I XXXX XXXX am filing a complaint against XXXX, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over XXXX times in the past XXXX months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

Opened account with XXXX XXXX, purchased and paid off item. My credit report reflected more than 60 days late. Contacted XXXX XXXX and was told it was a glitch. Was fixed week later and now issue is back. I have asked them to fix, close my account and delete from bureau. I can not afford their glitches and mistakes
Consumer complaint received 2019-09-06
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. (NY)

Transunion has not appropriately verified an account that i have disputed 4 times. Transunion has also deleted past disputes for this account in their system when i tried to inquire about what information was provided to 100 % legally verify this debt and whether the company had the legal right to try and collect on it. I submitted disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and Transunion has been parroting the information from the credit collections agency instead of verifying the agencies right to collect, amount and proof of ownership. The account is XXXX XXXX # XXXX. Attached is the most recent request for XXXX to be removed and Transunion has illegally deleted other requests that were initiated online via their website. The other disputes were submitted online via transunion dispute system. Transunion and XXXX XXXX are in violation of the fair debt collection practices act. Transunion willfully failed to provide me with any information that you are required to under Federal Law. A mere statement that these items are reported correctly and therefore verified is insufficient. You have not identified who verified the accuracy of the information or how they were verified. Only an individual in your company with firsthand knowledge must be able to, under penalties of perjury in a Court of law testify that they themselves looked at the physical documents necessary to verify the account. Transunion has not done this on each occasion. The Account XXXX on my credit report is in violation of 15 USC Section 1681.
Consumer complaint received 2019-09-06
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. (CA)

I have an alias of XXXX XXXX that is fraudulent. Someone applied for a card w all my information but that XXXX last name. Now it appears as an alias. I want it removed.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

XXXX XXXX XXXX/Shell Point Mortgage acquired my mortgage from capital one. I'm currently below 80 % loan to value, meaning PMI should be removed from my loan. XXXX XXXX told me that my loan needed to be below 75 % LVT, which it is not, to remove PMI even though I have original loan docs stating 80 % LTV was the threshold. Once XXXX XXXX admitted they were wrong, an appraisal was ordered. When the appraiser called the fee was {$650.00}, which is more than double the going rate according to 9 different appraisers I contacted. on XX/XX/2018 XXXX XXXX wrote me another letter stating that in compliance with the Homeowners Protection Act, they would order a Brokers opinion of value, which would cost much less ( aprox {$300.00} ). On XX/XX/XXXX I was contacted by another appraisal company wanting to charge me {$540.00} for a full appraisal, which is not what was supposed to be ordered. I called XXXX XXXX and spoke with XXXX XXXX and was told, under the advice of her supervisor XXXX XXXX, that a full appraisal is required, no exceptions. Once I informed them of the letter I received in XX/XX/18, the story changed. I was then told at aprox. XXXX CST that a person from the PMI department named XXXX  , who supposedly issued the XX/XX/18 letter, would be contacting me within one half hour. It is now XXXX CST and I have received no such call back.
Consumer complaint received 2018-04-13
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: EQUIFAX, INC. (NC)

I sent a certified letter to Equifax on XX/XX/2018 To Equifax to send me verification ( contracts and etc. ) from the following accounts, The first time I sent a request they asked me to send a photocopy of my ID, so I did ask asked this time. Then I received a really weird email asking me to opt-in online to receive results. I didn't give out my email to them on the letter I sent. So I'm confused on their process I asked to receive my information by mail. XXXX obviously read my letter and carefully to my concerns into consideration, because I received a letter back from them with items that were removed and information that they were unable to retrieve. 
Collections : XXXX Hard Inquiries -XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX XXXX -XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

I borrowed {$980.00} from the Cash Store on XX/XX/2022 my payments are listed below : XXXX/XXXX/2022 -- {$350.00} XX/XX//2022 -- {$100.00} ( refinance ) XX/XX/2022 -- {$220.00} XX/XX/2022 -- {$250.00} On XX/XX/2022 I asked what do I owe to pay off this loan and I was told I owe {$700.00} more when I question the amount that I still owe I was told that my interest rate is 568.95 % for 12 months however I am charged an interest rate for 12 months although the loan is for 6 months because we have the option to refinance. I was told that the total amount of the loan is {$3000.00} to pay back and if I pay if off early I have to pay half of that. I informed him that if I was told that I had to pay {$2000.00} back for a {$980.00} loan I would have never agreed to that. I informed them that I can not afford to pay this back as I do not have that kind of extra money laying around
Consumer complaint received 2019-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NJ)

Debit card hold preventing use of funds. Savings account holder XXXX XXXX has XXXX managing a Health Savings Account with a current balance of {$1600.00}. I am currently unable to access the funds in a manner consistent with the deposit and funds availability agreement and I spoke to a supervisor XXXX at XXXX/XXXX  on XX/XX/XXXX who states my employer asked them to hold my funds, which is not something my employer should be able to do. The card is still active, however XXXX is has placed a hold on my account.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (FL)

Someone made an account under my name with acima credit XXXX XXXX XXXX in XXXX, and has a total lease balance of XXXX with a monthly payment of XXXX to be paid off in a 12 month term. The unpaid lease has brought my credit down, I called company to let them know that I do not recognize opening one, they told me to file a complaint.
Consumer complaint received 2018-04-13
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

XXXX XXXX Circuit # XXXX  All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and XXXX  # XXXX Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

XXXX XXXX  # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I am writing to today to bring to your attention a recurring problem that I experienced with Chase bank. 
On XX/XX/XXXX my account showed that at XXXX XXXX an automatic payment was processed for XXXX , which left my account with XXXX $ later at XXXX XXXX an automatic payment was sent to XXXX for XXXX $ which left my account overdrawn at XXXX . the next day I was charged with an overdraft fee of XXXX $ for each transaction, arguing that the XXXX came first, causing my account to overdrawn and that any transaction performed following this transaction would be charged XXXX $ for each.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (GA)

The company Receivables Performance Management or RPM showed up on my credit report without ever trying to contact me from the start about a debt I owed to XXXX XXXX XXXX. Once I saw this reported on my credit I contacted them to see if the debt could be settled and I told them I needed it removed from my credit report once it was settled. I was told it would be and also was sent letters showing it was paid off. However when I tried to call back the supervisor told me he wouldn't remove the reports from my credit even though I paid the settlement not even a month after it appeared on my credit once I knew it was in a collections status. He claimed it couldn't be done and that they had to report the " correct information '' After I was already told it could be done by XXXX and XXXX XXXX XXXX both!! He even hung up the phone on me and told me he wasn't going to do it!

I read several complaints where this complaints online about how this company didn't even try to contact customers who owed debts and it just showed up on their reports. This is exactly what happened to me. And before I chose to pay I made them promise to take it off my report and send me confirmation that it was paid right away. I am in the middle of a mortgage for a new home and these people really messed up my score!!!

And the supervisor hung up on me when I told him both XXXX and the Lender said that RPM can do this!
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Williams, Alexander & Associates, Inc (NJ)

Williams, Alexander and associates who are debt collectors, collected money from a debtor who owed me approximately {$5000.00}. This money was received and never released to me. This has been an on going issue since XX/XX/2022 until today. I have called multiple times. Initially I was told a check will be sent out immediately. This was never completed. Then they stopped returning phone calls. Now their phone is disconnected.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I applied for a XXXX XXXX XXXX ( 2nd Mortgage ) with Rocket Mortgage on XXXX/XXXX/22. The application process went smoothly until the appraisal was received. The application was completed and dated XXXX/XXXX/22. Rocket Mortgage did not review the appraisal, however, I caught numerous errors with it. Understandably, the appraisal is a third party value to remain unbiased. Although they allowed me to dispute these errors, they were slow and neglectful in responding to my dispute in a timely manner and therefore closed out my loan application on XX/XX/22 without notifying me as to why. I was not aware if anytime frames or deadlines from them. They continued to tell me the appraisal was under review until it was too late to continue the dispute. The appraiser left out significant details about my house that adds value to my house ( a 3 car garage, fenced yard, and large 1 and a half story shed ). Rocket Mortgage was purposefully neglectful to provide me the necessary information to resolve this issues in a timely fashion. They also kept passing me off between employees as no one knew what was actually happening. I had to speak with 5 different people in one day before they finally told me on XX/XX/22 that the loan application was closed and there was nothing I could do about it.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I was given a {$100.00} Visa Prepaid Card as a XXXX gift. The card was purchased by the Grantor on XX/XX/XXXX. I did not open the card until XX/XX/XXXX. When I called to activate the card, I was told that it was expired and they would need to send me another card. Then the woman on the phone asked me how I wanted the fees to be charged, {$1.00} per purchase or other fees as she stated. I told her I didn't want to choose a fee plan, that I intended to make a purchase today and spend the whole amount. She said that there were already fees charged to the card for each month that I did not use it. The charges came to {$41.00} on a {$100.00} balance!!!! When I received the replacement card in the mail, I tried to call the company to complain about the fees and request a refund, but the voicemail doesn't give you the option to speak with a representative and it disconnects you. I went to their website, but could not find any contact information or address to send my complaint. www.netspend.com
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (NV)

NTL RECOVERY AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.