davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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: Exeter Finance, LLC. (MI)

A company representative from this company informed my that since they received in excess of XXXX by XXXX on my account that I need not send a payment in. I expressed by concern that I had a perfect payment history with them and could not afford to have a derogatory mark posted to my credit report since I am in the midst of having a home built. I was assured that this would not be the case. When they posted the derogatory mark to my credit report, and I called back in to complain, the representative was upset that I was given this information and said this matter could be resolved by someone who has the authority to fix my payment history.
Consumer complaint received 2023-03-25
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I made a payment on my mortgage in XXXX, the payment was returned and once i realized this i deposited the funds and made another payment XX/XX/18, the funds were taken out of my account but did not get credited. I continued to call and get status updates and try to get information regarding this. Today XX/XX/18, i called and was advised by XXXX employee id XXXX ( supervisor ) that the payment was credited on XX/XX/18. The account is past due and full amount is being requested and no arrangements could be set up.I am asking to be able to make 2 payments a month until this is caught up. When i called and was trying to make payments i was advised i could not do this as full amount would be needed but once the payment issue was resolved we could make arrangements to get caught up. This is now not an option and the account has been refereed to foreclosure, even though i was advised this would be suspended. The demand letter was voided in XXXX but then activated again in XXXX a day after the payment error was credited.I am also asking for any fees to be waived in order to help me be able to make the payments needed. Bank statments and emails were sent to aid in the research. No call was made back to me to advise of payment applied in XXXX.
Consumer complaint received 2024-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (MD)

Additional information for current complaint # XXXX I'm in communication with XXXX XXXX from PNC Executive Client Relations. 

I have concerning issue with my mortgage payments and the lack of response from her. 

Since my last email to her, I have not received any communication or assistance from her, and it appears that my concerns have not been addressed. I have proof of payment showing that I have diligently paid PNC for my mortgage obligations. However, it seems that PNC is not applying these payments correctly or conducting proper research on the matter. 

Recently, I received a check from PNC for {$180.00}, claiming that it is insufficient to cover my mortgage payments. This is deeply concerning, as I have made payments for both XXXX and XXXX, which are documented and attached to this second complaint. 

I urge PNC to rectify this situation immediately. Failure to do so will leave me with no choice but to pursue legal action to ensure that my payments are properly acknowledged and accounted for. 

I kindly request their immediate attention to this matter and a swift resolution. Please contact me at your earliest convenience to discuss further steps to resolve this issue. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2022-04-04
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. (MD)

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Equifax, XXXX, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow Equifax, XXXX, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, Equifax, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, Equifax, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Consumer complaint received 2022-04-04
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. (MD)

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, XXXX, and Transunion written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, XXXX, and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, And Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, XXXX, And Transunion wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Consumer complaint received 2022-04-04
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. (NY)

1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN and XXXX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN and XXXX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX  XXXX XXXX. XXXX
Consumer complaint received 2019-06-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TN)

During my days in school, I wasn't informed about any payments on my loans. I have an inaccurate amount of late payment remarks on 4 opened and 1 closed account. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance {$420.00} XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$560.00}
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-02-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CO)

This past year with the covid problems my mortgage company offered deferment due to loss of income. This fall, approx 6 months ago, I began contacting them to try and rectify the issue and resume payments. Every time I spoke with them they would always say " everything is going to be ok '' " don't worry '' and " fill out this application for loan modification ''. I did everything they asked. I contacted them numerous times and often got no where. Eventually this week I got a letter from them saying they denied any assistance and I owe {$19000.00} that is due immediately. I called them again and got 2 new and different reasons I was denied. The first one was " you were not current when the deferment began '' which is not true and NO ONE ever told me this during this past year. The second was said after I protested the not current statement was " your debt to income ratio is way off ''. I asked numerous times what my options are and how long do I have before any foreclosure proceedings would begin. NO answer. Just repeating. I believe and probably many others have found themselves in this situation. I believe they are negligent in the way this was handled.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

As shown in the attached image, the withdrawal was initiated on XXXX XX/XX/2022 and shown as completed. However the money has not reached my account till date XXXX XX/XX/2022. Coinbase mentions that withdrawal takes XXXX business days. Also in the confirmation email, it said money will reach the account by XXXX XX/XX/2022. However, the money has not reached the account yet. 
I have called Coinbase multiple times and each time I was given different explanations. Finally they reached out to me via email and mentioned that the transaction is under review, however no detailes were given as to what kind of review. I have provided all the details asked, however I am still in the dark as to when I will receive the funds and what is the reason for delay. Meanwhile I am in urgent need of funds and incurring financial losses. 

Regards
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ME)

XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our  mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
Consumer complaint received 2019-03-19
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: LEXISNEXIS (GA)

To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I was de-frauded while traveling XXXX in XXXX by deceptive practices. 

In XX/XX/XXXX, I traveled to XXXX with the tour company XXXX XXXX. They took us to a silk factory called " XXXX XXXX XXXX XXXX '' and encouraged us to purchase large amounts of silk goods and clothing with the promise these goods would be shipped home to us in America. As of this date, I still have not received my purchases. 


Thank you so much for giving me some recourse. No person in their right mind would pay for goods not received. Chase Sapphire can easily remove these disputed charges, as the charges for this purchase have proven to be fradulent per all my documentation Chase has on file. I am confident one of the biggest banks in the world has adequate insurance for this type of dispute. 

I trused the XXXX XXXX  tour company guide, I trusted the Silk Factory, and I trusted Chase Sapphire to protect me from fradulent activity such as this. Chase has numerous documents on file proving the goods were never shipped and/or received by me. 


I have spent many thousands of dollars on this credit card since XXXX, and earnestly believed Chase would protect me against fraud of this type, expecially when traveling overseas, with a language and culture barrier. I was given no other choice by the XXXX XXXX  Tour company and factory but to have these goods shipped to me, and as stated in my complaint, as of this date I still have not received them. I was not offered or given the option to mail them by air. 

I need JP Morgan Chase Sapphire Credit Card services to remove the fradulent charge of {$2800.00} so my credit will not be ruined, and my ability to refinace be affected. 

With appreciation for your services and help in resolving this matter, I remain sincerely XXXX & XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (GA)

I have now sent 2 certified letters to Experian regarding my XXXX XXXX XXXX XXXX Account Number : XXXX. This account is showing on my credit report as being behind or late. When I first notified Experian about this account ; I asked them to do an investigation because I knew that this wasn't correct. As a consumer I have the right to have a credit report. Experian responded that the account was verified and all information was accurate. This is incorrect. I reached out to XXXX, who I do business with often, and got a payment history which I will be attaching to this complaint. The history shows that i made all of my payments on time! I was never late. However my Credit report says otherwise. Creditworthiness is important because it allows some employers, creditors, and living quarters see how we pay. This is why I don't want anything on my report that is inaccurate! I paid this account off XXXX.
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My niece XXXX had used credit cards and XXXX XXXX calls everyday 3 or more times a day.we have told them she is XXXX and we will work on these when we can, That she will be XXXX for 2 years.but they keep calling.them and kohl 's department store.they both call all the time.I had a payday place call me and tell me that I had taken out a loan XX/XX/XXXX and here it is XX/XX/XXXX and I was upset because I did not take out any loan how could I when I had no job.
Consumer complaint received 2022-04-04
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)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

applied for small business credit card was denied, no phone number to call and find out reason. I have personal credit score of XXXX no late payments, my business credit score is XXXX and financial risk stability is XXXX which is perfect. I got denied with explanation which is false delinquent accounts. I have no delinquent accounts my application number is XXXX
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (FL)

I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

I have a Victoria Secret Card, and I hardly ever use it. I've paid it in full in XX/XX/XXXX, and they posted a late fee on my account, and also reported me 30 days late. Then I pay it again in full the following month, thinking it was paid from my previous payment, and I receive late fee charge and again, another 30 day late. So far I've had like 7 or eight 30 day late payments on my credit so far, and I can count on my hand the amount of times I've used this card..No matter what I do, they just charge me late fee 's and outrageous interest with no end in sight. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX CT. XXXX XX/XX/XXXX S.S. # XXXX Comentity Bank/Victoria 's Secret Account Number Ending In XXXX ....