davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017.  They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both Midland Funding LLC and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Due to the global Covid-19 pandemic I entered into a payment assistance program for my mortgage with Bank of America ( BOA ) where my payments were supposed to be deferred, no late fees no reporting to the credit bureaus for three months XXXX, XXXX and XX/XX/2020. The payment assistance program was scheduled to end on XX/XX/2020. However, as my income was restored I opted to exit the payment deferral program early on XX/XX/2020 and continue to make mortgage payments. I received a letter stating that I was unenrolled in the program successfully. I also spoke with a BOA employee and received a confirmation number of the cancellation of my participation in the program. In XX/XX/2020 BOA put me back into payment program without my consent. In XX/XX/2020 BOA changed my account number for my mortgage loan. In XXXX confirmed that my mortgage payment for XX/XX/2020 would be reported on my BOA account by XX/XX/2020. But instead they simply reenrolled me into the payment assistance program without my consent and did not reflect my XX/XX/2020 online payment. BOA claimed that I asked to be enrolled in the program on XX/XX/2020 but my payments were/are current and I did not request to be re-enrolled into the program. They also added {$1000.00} plus dollars on my account with no explanation. In addition, BOA reported to the credit bureau that I owed an additional XXXX on my mortgage loan. In addition, my credit score dropped points as a result of this falsification of my mortgage account on behalf BOA. BOA also put a note on my credit bureau accounts but I do not have access to what information they wrote. As a result, I am not able to refinance my mortgage and get good terms and interest rates. 
Furthermore, my escrow account is in a negative balance even though I have been paying my loan. They not provided explanation for the deficit in the escrow. I am submitting this complaint on XXXX XXXX, 2020. My payment has ben submitted for my mortgage on-time for XXXX payment but since BOA can not confirm my exit from this program I am also worried they will not report my payments and the due date is of XXXX XXXX, 2020 is approaching. The keep sending me email messages that I have not paid XXXX mortgage but I paid it already. I paid XXXX mortgage XXXX and XXXX mortgage on XXXX XXXX, 2020. There are discrepancies in the amount BOA has for the principal, interest and escrow. Statements from XXXX, XXXX, XXXX and XXXX say conflicting amounts that do not make sense
Consumer complaint received 2021-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

This is a Capital One credit card this card was disputed on or about XXXX, I became very ill and XXXX XXXX XXXX and had to depend on nurses and health care workers while having to undergo XXXX XXXX XXXX XXXX XXXX XXXX  and was not able to care for myself. During the time of my recovery, medical help was hired to care for me and to take care of bills and personal needs. stole my credit cards by using them without my authorization. please be advised that all my capital one cards were paid and I always had a perfect record of paying my bills. not having my XXXX was very scary and having to rely on people not only to take care of me but, to pay my bills and to run my household as if I was to do it. The problem is these people destroy my home stole my personal things and all my credit cards and destroy my credit by an identity thief. 

I'm pouring my heart out I'm so tired of going back and forth trying to explain why this or how this has to happen to me. please understand as soon as I realize this was going on I reported this to the police and I put my home insurance company on notice. I have reported these credit cards to capital for the last several years. again, please remove the late data off of all the credit cards that you have not removed but you assigned all my credit cards new numbers and removed unauthorized charges and late charges I did not occur. again it has been several years that I have been disputing and I'm trying to start a new begining. please understand i have reported to the police and my insurance company you have the police report. I don't know what else to do but i can get a letter from my insurance company. If you review your files and recordings and the investigations you will see that i have been doing all that is required. 
these late data is causing me to suffer and it is not fair that I was a victim I XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 30,60,90,120 DAYS XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THIS IS A VERY DIFFICULT ACCOUNTS BECAUSE THE ACCOUNTS WERE BEING USED BY DIFFIENT HEALTH CARE WORKERS AND I DIDN'T KNOW IT WAS IN HOW OR WHO, THE ACCOUNTS WERE CHANGED BY THE COMPANY MANY TIMES. IM NOT RESPONISIBE FOR THE FRAUD. 

IM AVAILABLE FOR QUESIONS. 


TOTAL OF CREDIT CARDS IS 4, ONE ACCOUNT IS IN CHARGE OFF PLEASE IM ASKING FOR MY ACCOUNTS TO CURRENT AND ALL LATE DATA OFF AND CHARGE OFF TO BE REMOVE. I ASK AND SEND MANY POLICE REPORTS.
Consumer complaint received 2023-03-30
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I disputed an account with XXXX XXXX XXXXXXXX XXXX with experian the account came back as verified and I havent received any information or details of the investigation they conducted who they spoke with and what exactly was verified nor was I interviewed at any point during this investigation .how was a proper investigation completed I have a right to privacy if my personal information and this reporting is a violation of that right.
Consumer complaint received 2020-09-16
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. (IL)

Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}
Consumer complaint received 2019-10-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX inaccurately identified that my mortgage account went into foreclosure. I was in the process of a loan modification ( HARP ) and then decided to sell, as I was closing on the sale, they misidentified the account as in the foreclosure process and have consequently added this to my credit report which is adversely affecting my ability to obtain a mortgage.
Consumer complaint received 2019-06-13
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. (ID)

My TransUnion credit report states " FILE CURRENT ADDRESS IS A RESTAURANT/BAR/NIGHTCLUB ''. This is not true. I live in an apartment complex. I have always lived in apartments. None of my homes have been restaurants, bars, or nightclubs.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

It's two accounts with this company. 
{$140.00} XX/XX/2018 {$220.00} XX/XX/2018 I have written them a letter with about the account with no answer.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I reported to Amazon, that I find out in XX/XX/2019, that XXXX XXXX whom rented a room in the same home as me from my grandpa has opened up four charge cards under my name and used my checking account to make payments on them. Whom had access to my personal information and mailbox key. I have also file identity theft. gov and reported and online file report with the police.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

In regards to prior filed complaint XXXX, TD Bank of XXXX NY once again failed to keep their word to a costumer after failing to do their job initially. The original amount of {$5400.00} that was promised to be returned after they failed to ID an unknown costumer, was NOT fully reimbursed as they stated it would be. The amount that was refunded was {$5100.00} which is {$250.00} PLUS INTEREST short of the initial amount. This problem has occurred nearly 10 months ago and they have still not managed to clear this matter up.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (OK)

XXXX Card Balance paid in FULL XXXX card does NOT work several calls to be told it works Aspire agrees to credit 2 main. monthly fees XX/XX/30 they apply one credit to this account and one to my other account ** have tried to figure this out but only get yelled at and called stupid called in more times about card problems XX/XX/XXXX they call about the past due {$20.00} dollars and refuse to see the mistake on the fee credit they cut my credit limit -- call me a LIER and say thats not true they then ding my credit i have never missed a payment on any card so why do i now have trouble with them after i pay my bill off
Consumer complaint received 2023-05-08
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)

You have no permissible purpose by law to contact third parties with my private or personal information. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. Please remove ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NC)

On XXXX of XX/XX/XXXX I paid {$XXXX} on my credit card to pay the late payment on my card the payment was processed and the money was taken out of my bank account, I had got a conformation number from the company when I made the payment from them that verified the payment.After this I thought the account was closed and over that's what I was told. After looking at my credit report in XXXX I see this card is still reporting that I still have a late payment of XXXX the account Is closed but still say I owe so I log on to the account online and to my surprise it says I still owe {$XXXX}. As I go through the account transactions I see where they did recieve the payment on XX/XX/XXXX but on XX/XX/XXXX they have a not in the transactions the the payment of XXXX was recieved but they supposedly returned it on XX/XX/XXXX whitch they did not
Consumer complaint received 2023-05-08
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. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

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 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

My mortgage was sold to Lakeview Loan Servicing , LLC and since the moment they have bought my loan, it has been a complete nightmare. I have Automatic draft set up for the XXXX of each month, and every month i'll get 6-7 phone calls throughout it with an agent asking me if I'm able to make a payment. The payment was made, but they continuously keep putting it in the wrong account. This has been ongoing for month, and even being proactive, calling ahead to get confirmation they applied the payment to my exact loan, I'll still get calls throughout the month telling me i need to make a payment. They go in and check, WRONG ACCOUNT AGAIN. Their customer service is terrible and no help. You get the same response every single time. " I'll take care of this right now for you, it won't happen again '' only to get a call a week later showing nothing was done. After reviewing the XXXX website, there are hundreds of reviews of this same exact thing happening to them. How can this be such a widely known problem and nothing is being done about it?
Consumer complaint received 2017-06-23
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. (TN)

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX EQUIFAX - XXXX XXXX - XXXX
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DE)

I opened a new checking and savings bank account online at Chase.com on XX/XX/20 under a promotion to earn up to {$600.00} if certain deposit thresholds are met. Account was approved online and I proceeded to remote deposit a {$5000.00} payroll check on XX/XX/20 and a {$2500.00} payroll check on XX/XX/20. On XX/XX/20, I attempted to login to my account and discovered I am locked out and my account was restricted. I followed the online instruction to contact a Chase call center. A customer service rep told me my account was restricted and I will not have access to the any funds until I make an appointment at a Chase branch with a banker and validate my identity. The checks were processed and the funds will be locked up indefinitely. Plus I will unlikely receive the promotion bonus due to the time it will take to validate my identity and lift the restriction. There would be no way to deposit funds into the checking and savings account to meet the {$600.00} promotional terms while the account is restricted. 

I am an older person with respiratory issue and have been staying at home during the last 6 months to minimize risk of getting COVID-19. I need access to the funds deposited at Chase to pay the rent, food, car loan payment, healthcare expenses and utility bills. Chase does not offer an option to authenticate online or via other non face-to-face methods unlike other Bank. As the largest Bank in the country, Chase is causing financial hardship for consumer of color with their draconian fund restriction policy AND baiting consumers with an attractive promotion term with no intention to honoring the promotion via barriers to block consumer from meeting the qualifications. I am taking precautions to prevent interaction with others out of fear for COVID-19. Chase is forcing me to take a health risk in order to gain access to my money. Despite their " Clean Policy '' and promise to clean their branch, I am not comfortable putting my life at risk but can not cover expenses without access to my bank account in the next 14 days. If I have symptoms of COVID-19, Chase will deny my visit at the branch and will lock up my money for many more weeks.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This company has been adding double the taxes owed in my escrow which affected my mortgage payment. Therefore, I am doubting my monthly payment is correct and inflated. In the process of consolidating my mortgage, car loan and personal. At that time the company noticed the mortgage company was charging me double the taxes than I owed. I called the company to get an explanation of what and why this was happening. XXXX ( rep ) told me they would open request and I could call back in 24 - 48 hours. When I called back, one of the female representatives told me she dont know why he was told me something like that. There wasnt a request done to them charging double the taxes added in my escrow. On XX/XX/2024, I called again and the request for research hadnt been processed.
Consumer complaint received 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no XXXX could send me paperwork no XXXX could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last XXXX  years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the XXXX year that I've been doing this with you guys so I'm tired of checking for typos for you
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

It happened XX/XX/22 for XXXX dollars. Chase Bank called to inform me that fraudulent charges were billed to my account and was advised to change my email account password. My accounts with chase were suspended.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion is the only bureaus reporting 2 erroneous items from XXXX XXXX XXXX ... These are not valid and they are old. I do not owe this and I have disputed it with you several times and I would like to know exactly how you verified it. E oscar is not valid verification and I need this resolved.
Consumer complaint received 2019-06-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I am a veteran. My husband and I were pre-approved by USAA and contracted to buy a home 3 weeks ago. We have submitted all supplemental items requested by the bank yet, we have not heard from our loan processor once. She apparently had some sort of situation and has been unable to address our loan. We were passed off to another loan processor who wouldn't respond to emails and then went on a week vacation without informing us, or having any sort of auto response to emails. She just disappeared for a week ( after several days of her not replying before she went on vacation to begin with ). We only found out when we called her manager to complain, who assured us our original loan processor was back. That was 5 days ago, still no word from her either. We need to have our loan commitment in 6 days, and we can't get ahold of any processor who is handling our loan. If we don't secure this loan in the next week we could lose our house. If they had an employee emergency and the alternate is too busy to help, someone should have told us that no one was handling our loan.