davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Dear Sir/Madame it may concern : I have had Cash Call Mortgage is my currently mortgage on my primary home. My credits and all documents disclosed my assets in detail had been approved in excellent status that I qualify for the refinance at the lower rate and cash out. 

On XX/XX/XXXX, I told the loan officer to lock the rate at 1.75 %, Point Fee is 1.112 %, with NO Closing Cost ( It meant lender credit and no charge me for 3rd party ). He told me he locked the rate and transferred my document to the underwriter approve. 
I supposed that we will close the loan in XXXX. However, in XXXX the loan processing told me that she waited for the loan officer locks my rate. I called loan officer and he told me he forgot to lock the rate and he would wait for the rate goes lower like the date XX/XX/XXXX, he would lock it for me. However, I did not hear he called me. 
On XXXX XXXX, I called him and said the Cash Call mortgage was lower the rate and APR rate is the same as on XX/XX/XXXX. He should lock the rate for me. 
However, he sent me the rate lock estimate the same but it charges me FOR CLOSING COST AND THE DATE LOCK RATE IS XX/XX/2021 which I had not been informed until I called him to lock the rate on XX/XX/2021. 

I complained about the closing cost, the loan officer asked me to call his supervisor XXXX. I called Mr. XXXX on XX/XX/XXXX. He agreed with me that my loan will be close at the end of XXXX and will be No Closing Cost like the rate I wanted to lock on XX/XX/XXXX. 

On XX/XX/XXXX However, when the loan processing asked me to sign e-document dated XX/XX/2021, the Closing Cost is still there, it has not been corrected as Mr. XXXX told me. 

On XX/XX/XXXX, I have tried to call and Fax what is wrong to Mr. XXXX, however, Mr. XXXX and loan officer do not respond to me by my phone call, email or fax. They ignored me and even do not correct the closing cost on my Closing Disclosure. 

Closing Disclosure the Disbursement Date XX/XX/2021. 

Cash Call Mortgage should credit to me the closing cost of {$1.00}, XXXX as the lender credit to me such agreement on the Loan Estimate dated XX/XX/2021. And it had been confirm with Mr. XXXXsupervisor to me on XX/XX/2021. 

I appreciate your help me this matter as soon as possible before the loan expires. 
Very respectfully. 

PS : The closing cost is XXXX should be the lender credit to me as the agreement.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (LA)

On Friday XX/XX/XXXX I had a total of {$22.00} on my cashapp. The next morning which was Saturday XX/XX/XXXX I woke up to only {$5.00} with no transaction history I have been contacting cashapp for over 24hrs about the problem & they arent replying. That money was for food not for them to take. As you can see in picture I was sent {$51.00} I used only XXXX my card was locked so therefore XXXX declined so nothing could take money out of my account but there is clearly money missing & as stated no transaction history it doesnt even show where it went
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am not sure why your inquiry dated XX/XX/2022 XXXX XXXX as well as XX/XX/2022 XXXX CARD SERVICES is appearing on my TRANSUNION credit report. According to the Fair Credit reporting Act, you must abide by the permissible purpose provision. 

Neither of these inquiries are attached to any account on my credit reports what so ever. Either remove these inquiries or provide me proof that either inquiry complies with the XXXX XXXX. I am providing my social security number to assist you in making this transaction a little easier and faster. Thanks for your time
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NJ)

Ive sent several letters to Caine Weiner regarding a fraudulent item they are reporting on my XXXX XXXX consumer report with no response from them. Caine Weiner # XXXX
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (HI)

I am using Experian On Line and have been having great difficulty in getting my complaints to Experian. There is no email address to contact Experian directly. They have continued to be unresponsive to my issues. 1 ) They have listed a delinquent account ( XXXX ) as a Collections account by court order but that is not the fact. This account was done as a negotiated settlement with XXXX XXXX XXXX before any court order was made. It should be list as a settlement in process. 2 ) Their so-called " Boost '' program lists only one self-reported account but I have consistently paid for XXXX XXXX XXXX and for XXXX XXXX that qualify as a Boost account. 3 ) Two accounts were list as delinquent for just thirty days but I have said that I mailed in my payment but mail from XXXX and XXXX, Hawaii, have gone missing/lost on many occasions. No response or correction was ever made. I am so frustrated with Experian irresponsible assemblage of my credit history. I am a unique customer that deserves to be listened too and assisted in a fair and objective way. Thank you for your assistance.
Consumer complaint received 2022-01-26
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. (FL)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Portfolio Services, Inc. (OH)

Currently CPS has reported several years worth of negative payment activity on my credit report and now the account has been labeled as charged off. Based on my account history all payments were current and to date until I was scammed into stealing the car where another car dealership agreed to pay the reminding loan balance to retrieve the title. Several months later after the account became seriously past due I was advised that the account was never paid off and the account was past due. I spoke with several account reps at CPS to explain the situations to avoid the daily calls and harassment. After realizing that 's the auto dealer was a scam and no longer in business I reached out to CPS requesting a settlement to clear the debt. CPS denied the settle and now has the account marked as serveley past due and in collections.
Consumer complaint received 2024-05-28
Product: Credit 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: DISCOVER BANK (VA)

I made a purchase online through a store on XXXX XXXX, called XXXX XXXX, on XX/XX/year>. The purchase was for {$11.00} and I used my Discover Card for payment. I made a second purchase with a different financial institutions card from the same store. On XX/XX/year> both of the packages were out for delivery. Both went to different addresses, neither in my city or county, and I believe this to be part of a Package Redirection Scam. I attempted to contact the store and sent emails regarding the packages. They did not respond. I reviewed them on XXXX XXXX, so did other individuals, who stated they had the same issue. The next day the store on XXXX XXXX was closed. I believe this store was opened for a short period of time to defraud customers. I called both banks immediately to file disputes since I did not receive the items that I purchased. One bank investigated and refunded my money. Discover took my dispute over the phone, I provided them with receipts and tracking information to show I did not receive the package. They denied my dispute. When I called customer service and spoke with the dispute department, they told me the transaction was valid and they, nor XXXX ( the delivery service ) could refund my money because they are both third parties. The bank is always a third party when it comes to Reg Z or Reg E disputes, so that line of reasoning makes no sense. I asked for the dispute to be reopened and Discover once again reviewed the information and stated the transaction was valid, even though I did not receive the products purchased, which is a valid reason to file a dispute under Reg Z.
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I lost my wallet that had my debit card in it. The debit card was linked to the cashapp service. I had wanted to close the cash app service but was told even with my social security number being given XXXX that I could not be verified as the account holder, I also gave my email address XXXX and have access to it. This is also linked to the account. I also know the password and cash id by heart. 

The cash app id is $ XXXX The email address to the account is : XXXX the social above is the one associated with account and is mine. 

I wish to close the account in its entirety have any money in the account returned to sender or given to me in form of check to this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is where I receive my mail and is my mothers address. 

They repeatedly stated that they could not give me their employee id number so I could use it during this complaint and that even with all information and knowing that my wallet was stolen and that I could not verify the numbers on the lost debit card or the last two transactions on the debit card both of which i dont know by heart and do not have access too they could not and would not close the Cash App account with cash id $ XXXX. 

My phone number is XXXX
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-26
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. (FL)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: LendKey Technologies, Inc. (PA)

Lendkey pulled my payment early. It is always paid for the first of the month and this time they ran autopay XX/XX/23. They sent the following message We are aware of an issue that caused your monthly payment to be drawn from the account enrolled for automatic payment earlier than expected. We are currently working on resolving this matter with the goal to have the funds returned within 24 hours. We will provide another communication upon completion with more information on steps to take if you were negatively impacted. We sincerely apologize for any inconvenience this may have caused you and assure you that any necessary adjustments will occur shortly. 

Sincerely, XXXX This is unacceptable
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MN)

I was unemployed for a period of time. During that time, I went through the process and secured deferment from the mortgage servicer Truist. We eventually were approved to have the missed payments moved to the back of the loan, and were never delinquent at any time. Despite the fact that there was {$0.00} due, Truist reported me to Credit Reporting Agencies as Delinquent. I only found out when credit limits were reduced on some of my accounts. What is the point of following the rules only to be shafted at the back end? I didn't choose to lose my job.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IL)

On XX/XX/2023 I paid the company XXXX  {$28.00} out of my cash-app account to check if my XXXX XXXX  XXXX XXXX qualifies for mobile unlocking codes to unlock the phone from the carrier XXXX XXXX XXXX They were able to conclude that it did qualify for mobile unlock codes. Also on XX/XX/2023 I paid this same company an additional {$83.00} to move forward with the unlocking of this device. After 7 days they sent me an email stating that my phone was not able to be unlocked with codes but instead would require me to download software to a computer and unlock it with the software. They gave me credit notes for their website in the amount of {$28.00} and {$83.00} instead of refunding my money to the account I paid with. The software download cost {$79.00} which I used part of the credit notes for and sent an email to the company on XX/XX/2023 requesting to have my remaining credit notes after that purchase refunded to my account that I paid with. The remaining credit notes after the purchase was {$33.00}. The company never responded to my email. They were not able to send me the software to download and gave me another credit note for {$79.00}. This made my total credit notes {$110.00}. Afterward the company sent me an email stating that whether or not they were able to resolve my issue they wanted to draw my attention towards their fraud policy, that stated nothing about the issue I addressed with them, I sent them another email on XX/XX/2023 stating that I needed my {$110.00} worth of credit notes refunded into the account that I paid with. I waited 10 days before I sent another email on XX/XX/2023 to the company stating that I needed my {$110.00} worth of credit notes refunded into the account that I paid with. The company has not responded to any of the emails. I have contacted CashApp support to try to dispute these purchases on two different occasions because I never received the service that I paid for, but CashApp has decided that there is nothing wrong with these purchases and refused to dispute these charges twice now. I have all emails for documentation of these events and bank statements showing where and when I paid for these services.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

XXXX XXXX / XXXX keep harassing me about an unreturned cable modem box, even though I have submitted documentary evidence ( XXXX Receipt ) that I did return the cable modem box. 

They have filed collections notices with the three credit bureaus even though I submitted them the proof. 

Now today ( XX/XX/2019 ), I get a call from another Collections Agency IC System Inc.

regarding this issue. 

I
Consumer complaint received 2022-01-26
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. (TX)

On XX/XX/2021 I submitted a Validation Request to XXXX, Equifax and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

Yesterday, I had {$2.00} in my Cashapp account, and my roommate sent me two separate payments of {$88.00} and {$150.00} for her part of our bills. When I checked my account last night, there was only {$80.00} in my account. I reached out to customer service to ask what happened and they said that there was a " technical error '' from XX/XX/XXXX to XX/XX/XXXX that purchases I had made at XXXX hadn't processed so they had reimbursed the company. In that time, I never received a single notification that there was an issue or I would not have made more purchases. On my statement, it says my purchases were complete. When I reported this, customer service all but told me it was my fault for not paying closer attention to my account and to go to XXXX, even though the " technical error '' had nothing to do with me or my finances. I am being punished for a problem on their end that I should have, at the very least, been notified of. Those purchases happened days, even WEEKS, apart, and I wasn't told at all that there was a problem. The money they took wasn't mine to give, and now I have to reimburse my roommate out of my own pocket for their mistake.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one agreed to settle my account for a set amount. I accepted and allowed them to withdraw automatic payments until debt paid. Capital one withdrew all payments except the very 1st payment. I was unaware of this until a year later when the debt was still reporting as negative/derogatory on my credit report. Ive tried disputing this with no success.