davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-17
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. (NJ)

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without written instructions
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am sending this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Consumer complaint received 2020-11-11
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: National Credit Adjusters, LLC (TX)

On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2015-04-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

We had a home several years ago that we had to let go because we owed more than it was worth. It was a rental property -- we tried so hard to get a loan modification but neither the XXXX or XXXX lender would work with us ( they pretended to but in the end demanded so much paperwork over & over again that we finally realized they truly were not serious ) Because we were retired we could not compromise our savings feeding the alligator on this home. The XXXX was held by Green Tree. They continue to call us night & day demanding payment ( over XXXX years ago it went & sold at sheriff sale ). When we pick up the phone it is a recording. When we call back we think we receive someone speaking outside of the United States. They are truly harassing us!!
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, when I was checking my paypal account, I saw NONE balance. I was shocked to see a transaction that posted by paypal, the note says, $ XXXX, paypal posting on XXXX XXXX to paypal '' paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not help me. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I sent one check that contained my regular mortgage payment as well as a considerable amount for additional principle. XXXX/Nationstar Mortgage cashed the check and only applied the regular mortgage amount to my mortgage and no additional principle. Call to their customer service department have met with negative results. I have sent them emails with my cancelled check and have had no response from them. I would like my {$30000.00} back. The company in question is XXXX/ Nationstar Mortgage LLC XXXX XXXX XXXX XXXX, XXXX , Texas XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (IL)

Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks
Consumer complaint received 2021-04-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

During the beginning of the Corona Vira pandemic, mortgage companies ( including ours ) offered financial assistance to families that needed it, in the form of forbearance. Unfortunately, my late husband did not understand what this meant and applied for this program, without further explanation. It was my husband 's responsibility to take care of the finances but earlier this year he unexpectantly XXXX XXXX leaving me to take of everything. Once I found that we were signed up for this program I immediately wanted to end it but realized that each month 's mortgage will be immediately due in one lump sum once this forbearance is over and I do not have the funds ( like most Americans ) to pay for this so I requested a modification and for my late husband 's name to be removed. 
The mortgage company ( Freedom Mortgage ) replied within two weeks and approved the modification only to drastically increase the amount due, an error on their part they said. The escrow due each year is approximately {$7000.00} but the monthly escrow error said {$2000.00}. 
Freedom Mortgage also kept my husband 's name on the modification even after I had submitted his death certificate to them as proof. 
This back and forth has been going on for the past seven weeks with a different representative telling me, " the issue will be fixed '' or " the issue has been resolved just wait 10 business days '' or " the underwriter is looking at it now, you should receive a letter by the end of the week '' and I get no response. 
Freedom Mortgage has no issue sending me a monthly statement telling me how much I need to pay them and how much is due, but for some reason, Freedom Mortgage can not properly adjust the modification I requested and they approved in a timely manner so I can try to move forward with my grieving process. The amount of anxiety and stress this one company is causing me is really unbelievable, it feels like they want me to give up the home my husband and I had together so they can make a bigger dollar off of it.
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I received a principal reduction of XXXX through the HAMP program on XXXX XXXX. I requested this principal to be applied to arrears. I received a letter from PHH stating that this was a recast principal reduction which the lender offered XX/XX/XXXX, which is not true. In the hamp program I was suppose to receive XXXX yearly for the first five years of the modification program in XXXX, and than XXXX on the 6th year anniversary which I did receive the XXXX on XXXX XXXX. How could a principal reduction for a recast offered XXXX XXXX be applied before the offer. PHH is defrauding us where Ocwen left off. This XXXX was awarded through Ocwen HAMP Program it had nothing to do with a recast offer. Ocwen was sued in XXXX, XXXX for violating hamp program ( fisher-case ) by the dept of justice. Since I inquired to ocwen about why we did not receive the XXXX principal credit yearly PHH has twisted and turn the credit we received by ocwen around.
Consumer complaint received 2023-03-17
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. (FL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The listed account is not affiliated with me nor are they authorized by me. 
XXXX XXXX XXXX Balance : {$910.00}
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MN)

We purchased a mattress from XXXX XXXX that has been defective and we have had it less then a year. The mattress company unfortunately has gone out of business. Probably because they are terrible quality. I have sent the mattress back and I filed a dispute with Wells Fargo credit card on XX/XX/XXXX and they still havent updated anything on it and its now XX/XX/XXXX. I understand things may take a while but I dont understand why its taken this long.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (AR)

I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that is was a mistake to close my Paypal account. I am using my Paypal account for my online business ( XXXX 's XXXX ) since 2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes and I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I signed up for a business credit around 1 year ago and chose a specific credit card because of their generous points promotion. The chase XXXX credit card offered XXXX points for spending {$6000.00} in the first 3 months. I hit my spending threshold and was awarded the points. However, after several months I became aware that the card was cancelled and that my points were gone. I called Chase and they told me that they cancelled my card after I did not reply to their mailings about a question they had about my account. I explained that I certainly never received the mailings, or I would have replied. They told me that there was nothing they could do even though I had followed through with the requirements to earn the points. After speaking with a manager who told me they will consider my request and let me know within 10 days about a final decision via mail. I half jokingly said that obviously mail does not seem to be a reliable source of communication with your company. Not surprisingly, it has been 2 months and I have still not received correspondence about my request. I looked at the account yesterday and see that I still do not have access to the points they stole from my account ( more than XXXX ). Please help. I feel helpless and Chase has done nothing to fix the issue. Thanks
Consumer complaint received 2021-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (AZ)

US BANK purchased our contract on a camper sold to us by XXXX XXXX on XX/XX/2021. 

As of today 's date, we have been unable to register, title, or get license plates for this vehicle. In short, we've already made three payments on the US Bank loan, but can not operate the vehicle legally. We've also paid for insurance on the vehicle, which, again, can not be legally operated. 

We have tried multiple times to resolve this issue through various customer service reps. We get a new rep, each time, because US BANK will not freely give out contact information for the reps. US Bank will not give us a single source who will see the problem solved through fruition. Each rep makes notes, which are mostly incomplete, and then they do not follow up to see if the issues are resolved. We then contact customer service again, and the cycle repeats. 

XXXX XXXX collected sales tax for our state of residence, but then sent the title electronically to US Bank, who now holds an Electronic title NOT in the state of our residence. 

US Bank will not contact the state of our residence to initate a " State to State '' transfer of title, which would enable us to properly register and plate the camper in our state of residence.

We've contacted our State MVD numerous times. They requre US Bank to contact them. We've contaced US Bank numerous times. They don't initiate contact with MVD 's, they instead require Arizona MVD to contact them ( via FAX ). 

Since Arizona has not used obsolite FAX communications for some years, we are stuck in an endless loop of finger pointing. 

In the mean time, we are paying on a camper we can not use. Most recently, US Bank has said that they will transfer this problem to their " Collateral State to State '' transfer team. 

However, they will not provide contact information of any kind so that we can monitor and get follow up on progress to resolve this endless loop. Transparency does not seem to be the order of the day in US Bank 's customer service structure. 

We have threatened to stop making payments until this issue is resolved and we can operate a vehicle which we've paid a lot of money for. But nothing seems to motivate them to resolve a problem that has lasted for more than three months.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

I purchased an item from XXXX XXXX on XX/XX/2020. I returned the item on XX/XX/2020. I was still charged shipping and handling of {$21.00}. I paid the shipping and handling. They received the order back but did not credit my credit card right away. I was charged a late fee. So I contacted them. They kept saying I still owed the {$80.00}, which is the cost of the item minus shipping. I told them I did not owe them and to credit my credit card. They still did not do that. I did not pay anything more because I did not owe this debt. They even put it on my credit file as a late payment and it negatively affected my credit score. I called them again. They still kept saying I owe this money even though they had the item back and the shipping had been paid. Now they are still sending bills saying I owe over {$150.00} and that is all in late fees. It has again affected my credit score negatively. I do not owe these people and I want them to cancel these late fees and send information to the credit bureau that this debt is paid. It should never have gotten this far and I am tired of arguing with their incompetent representatives.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/21 we set up in XXXX XXXX  bill pay to pay {$320.00} to XXXX XXXX Bank XXXX On XX/XX/21 XXXX XXXX sent our bill payment to Capital One Bank without our knowledge or approval. On XX/XX/21 Capital One Bank deposited our check. We do not have an account with Capital One Bank. We have contacted Capital One Bank to recover our funds that were sent to them in error. No resolution has been made.
Consumer complaint received 2022-10-19
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. (TX)

I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do XXXX XXXX for Deletion for this account that isn't even mine.
Consumer complaint received 2019-04-29
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. (GA)

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NC)

I called the company ( XXXX  ) to ensure my auto pay was on and would be continues to stay on prior to XX/XX/XXXX ( my due date ) .I get a call thursday XX/XX/XXXX and Friday XX/XX/XXXX stating I had an every due balance ( robo call ). Saturday XX/XX/XXXX they called AGAIN demanding payment immediately and stated my auto pay was shut off. They called again XX/XX/XXXX at XXXX am to get a payment AFTER telling them less than an hour before I would call them in a week for payment since my auto pay was *magically* was turned off. They called AGAIN Sunday XX/XX/XXXX @ XXXX, XXXX am, XXXX am, and XXXX am. Even tho I repeated for the past several days I would call back in a week - and yet they continue to harass me.
Consumer complaint received 2021-04-18
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. (IN)

I have disputed wrong addresses on my credit report several time and Transunion, XXXX, XXXX  still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud