davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (AZ)

On XX/XX/19 I planned on buying a home in AZ. I worked with Guild Mortgage and they pulled my credit to get a conventional loan started. We were not able to continue with the finalization and issue of credit with this loan because we did not end up buying the home. 

I am now trying to buy a home and with this hard credit pull for a mortgage on my credit history, It will make our interest rate higher, because of a lower credit score. 

Since I did not acquire credit and look forward to now buying a home, it would help us greatly to have this credit pull removed from all 3 bureaus so we can reapply at this time.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

A disputed with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was sent by certified mail and received on XX/XX/XXXX. As of todays date, XX/XX/XXXX, I have yet to hear a response from this company in regards to the validity of such account. The XXXX  allows for such company XXXX days to respond, I have yet received a response.
Consumer complaint received 2022-02-07
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. (MI)

There has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-09
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. (SC)

Re : to Remove Inaccurate Credit Information To : Whom It May Concern ; I received a copy of my credit report and found the following item ( XXXX ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WV)

I have paid my mortgage payment, XXXX XXXX XXXX on XXXX XXXX since XXXX when I purchased the property. County taxes were received XXXX XXXX from the closing in XXXX. The mortgage company failed to send XXXX taxes to county.. A lien was placed on the property and then sold. The end of redemption is XX/XX/XXXX. The county taxes have been escrowed, however, the mortgage company have neglected to pay the taxes to the county Or attempt to resolve this issue in a timely fashion. When calling the mortgage company they transfer me to the escalation department. They tell me the tax department is taken care of this. And 14 months of me calling weekly, nothing has been done. And now we risk losing our home to a tax lien at no fault of our own. We need help!
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

I called the company XXXX XXXX XXXX that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for American Express and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

We refinanced our Mortgage with XXXX XXXX in XX/XX/XXXX. We were notified that PHH Mortgage, a subsidiary of XXXX XXXX, would be our mortgage servicer. We made our first payment in full for both XXXX ( first payment due after closing ) and XXXX. We then received a notice that our mortgage would be serviced by XXXX XXXX XXXX beginning in XXXX. That letter ( See attached ) stated that our Mortgage balance was {$470000.00} and our escrow balance was {$1700.00}. We then created our account with XXXX XXXX XXXX and made our first payment. A few days later we noticed that the escrow amount with XXXX XXXX XXXX was only {$950.00}. We called XXXX on XX/XX/XXXX to ask where the rest of the escrow went. They told us that PHH only transferred {$950.00} to them when they transferred the loan. We then called PHH to find out where the missing {$580.00} had gone. They informed us that they made a PMI payment in that amount on XX/XX/XXXX. We told them that should not have come out because they took out PMI from our XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) already. Further, they did not issue any statement indicating where our money had gone. We have since received a typed letter simply stating that they made two pmi payments to XXXX XXXX XXXX XXXX in XXXX. ( see attached ) We called our current servicer, XXXX XXXX XXXX to tell them what PHH told us, and they said that as of XX/XX/XXXX the PMI company showed that our account was only paid through the month of XXXX. This means that {$390.00} ( 2 months of PMI payment is missing ). Our new servicer, XXXX, also took out our regular $ XXXX payment from our XXXX mortgage payment. 

From our calculations the mortgage and pmi paid so far should be as follows : XXXX PMI {$190.00} paid to insurance company on XXXX XXXX covers arrears for XXXX XXXX PMI {$190.00} paid to insurance company on XX/XX/XXXX, XXXX covers arrears for XXXX XXXX PMI {$580.00} paid to insurance company ( according to PHH ) XX/XX/XXXX, XXXX This amount should cover XXXX XXXX arrears ), pre-pay XXXX, pre-pay XXXX. 
XXXX PMI {$190.00} paid to insurance company XX/XX/XXXX ( by XXXX XXXX XXXX ) - Should cover XXXX pre-pay if the company received the lump payment from PHH If the PMI was truly paid to the company we should not have PMI come out of our escrow again until XXXX ( to pay for XXXX in arrears ) Attached : Closing escrow statement which shows one month of PMI coming out each month this year ( no where did it say they would make a lump payment at any time ) XXXX and XXXX statements from PHH showing our mortgage payment and the one PMI payment from XXXX The typed letter stating they sent two PMI payments in XXXX The letter of change of servicer we received stating that the escrow that should have been transferred was {$1700.00}
Consumer complaint received 2018-07-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I have disputed this account on several occasions from Midwest Recovery for a payday loan in the amount of XXXX. I have contacted the company explaining I did not have an account at XXXX XXXX, neither did have I ever had a payday loan. This account and debtor continues to hassle me. I have been experienced identity theft in the past, resulting in someone getting a house in my name. This debt is not mine and I word hard and diligently to keep my credit and social security number protected. Dates of transation reporting on my credit began in XX/XX/2018, it was taken off in XX/XX/2018 and as of XX/XX/2018 it is back on my credit. I have spoken with this company letting them know this is not my account please remove off my credit but to no avail.
Consumer complaint received 2022-02-25
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 (IL)

We had a Paypal account that we used. Our credit card was linked to the paypal account along with our banking account. We hosted an exchange student a few years ago now and helped her obtain a car while in the US. We moved money using our paypal account. They froze the account and wanted a copy of our driver license and other information which we were not comfortable providing. We have requested multiple times for them to close the account, but they will not unless we provide sensitive information. If this information was not required at the opening of the account I do not believe we should be providing it at this time. There is no cash balance or anything like that it just needs to be closed to avoid any future fraudulent activity. We have tried multiple times in the past and tried again as we received an email from paypal to validate a transaction. This transaction is not something we did.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

Today, XX/XX/2019 at XXXX p.m. I received a call from XXXX - XXXX - XXXX - XXXX. I answered the call and the caller asked to speak to XXXX XXXX. I said this is she. The caller then asked to verify my birth date. I refused and asked him to identify himself. He did not identify himself. He stated that this phone call could be monitored or recorded. I flatly asked him at that point if he was a debt collector. He did not answer me. Instead he said who have you spoken with? I said I haven't spoken with anyone. I again asked him if he was a debt collector. He stated he was calling from Wakefield and Associates. That is all. He did not give his name or say that he was calling regarding the collection of a debt. I informed him at that moment that if he was a debt collector he is supposed to inform me of that when he calls me. I hung up the phone. I have not received a return call from this company. I looked them up on the internet, and only then could I determine that this company was a debt collection agency. I left a review for this company outlining the correspondence that I had with them and that it was in violation of the fair debt collection practices Act.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Despite the numerous attempts to reach out to Synchrony Bank/Ashley XXXX, they have failed to remove the inaccurate reporting of 8 late payments in XXXX/XXXX  on my now closed account. 

I was NEVER late on this account. The lates they reported were due to fraudulent charges I was not aware of at the time. 

I filed a report with the FTC and SYNCB investigated the disputed amount. It was resolved in my favor. They informed me via letter that all charges & fees would be credited and that they would update the major credit reporting agencies -- which they did not and it has been 2 years since the resolution of this dispute. 

Working with Synchrony has been a frustrating and difficult experience with their poor customer service and lack of follow-through. I will not obtain credit through them anymore. They do not look out for their customers. Very disappointing.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Last month I thought I changed all of the amounts due on my Capital One credit cards so that I was paying more than the minimum. Please note that there is no way to see what the minimum is on the app or can you access a statement. Today I get a email saying I've been charged a past do fee and that my bill is past due. When I call Capital One they tell me I haven't paid enough that the minimum was {$81.00} and I only paid {$50.00}. So when I went back to my app there's no way to be told what's your minimum is or to access a statement. I had to XXXX how to get this done. Which means I had to log off the app and go into the internet to figure out this information. I feel that this is a sly way of trying to get around people paying on time so that you can charge them fees. I thought I had doubled the amount of my payment so that I could pay more each month when in actuality all I had done was pay less than the amount due and incur myself a past due payment fee. There should have been an option to tell me what the minimum payment was or at least allow me to access my statement on the app.
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (MN)

Hello, My name is XXXX XXXX, thank you for taking the time out of your day to read my complaint. Ever since I turned XXXX  years of age I have tried to make paypal account but every time I make it the account gets permanently closed. I have done nothing wrong along with the fact that I just turned 18 a lifetime ban from paypal is just not something I want because it's such a wonderful platform that I've patiently waited to use. I think that my parents had been banned before for something they did on XXXX and maybe the Address gets linked or something but I quite literally haven't ever had a paypal account before I turned XXXX. I tried using my main email XXXX and just about one day later the account got locked for permenant. Please review this I shouldn't suffer a lifetime ban from paypal for something I wasn't responsible for. I live with my parents but I am still a human being and their actions shouldn't reflect mine. I am responsible financially and have 3 credit cards. I would love to use paypal. Your assistance would be greatly appreciated in this matter.
Consumer complaint received 2022-02-07
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: SYNCHRONY FINANCIAL (MD)

SYNCB/CARE CREDIT / 30 days past due 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of thi
s title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (OH)

This is identity theft. We received information from Security Credit Services ( XXXX XXXX XXXX ( that we owe on a phone Leased from XXXX XXXX XXXX  ) .We did not lease this phone and never owned it. They say we owe {$480.00}. We have tried to explain this to them and have sent a notarized letter with this information. We even made a report with our local police dept.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im 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. 

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

I have a Coinbase account to purchase crypto currency. Coinbase has a tab called Learn and Earn that you use to receive money from crypto currencies to promote their currency. Coinbase added a promotion to advertise their Coinbase wallet. After going through the process of learning about what it was and setting it up I sent {$100.00} of my position in XXXX to it to see how it worked and if it was something I'd like to do. Upon sending the transfer I looked into the transaction and I was charged {$10.00} for that transaction without notification. Once the funds were in the wallet I looked into purchasing other crypto with it and it told me I would have a fee of around {$40.00} in XXXX to be able to do that transaction. I thought that was ridiculous and no longer wanted to participate in something that had such ridiculous fees so I tried to send the money back to my account at Coinbase, the same fee applied. Not only was the fee ridiculous but I was required to pay that fee in XXXX  ( XXXX  ) coins, which means I would have to spend that {$40.00} transaction fee to purchase {$40.00} in XXXX so I could pay another {$40.00} to move my money back to the account I was just in. You see how absurd this is. I have since found out I can lower fees by timing when I do it but lowest fees I have seen are {$25.00} or so. None of these enormous fees were disclosed by Coinbase. I don't expect to get all my money back but Coinbase should be made to disclose how bad these fees are before you are trapped into to just giving away your money.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am XXXX and recently had to purchase promotional services for my social media for a total of XXXX USD. Being such a great offer for my business, I couldn't pass up the opportunity and decided to split the payment and make it through my XXXX XXXX charge card and my Bank of America credit card. I never passed any limit on these cards, however, my credit score was recently hit with a deduction of 42 points. As a person who is XXXX, a lower credit score will hinder me getting higher operating capital needed to make my business thrive. I'd appreciate someone's help with this. 

I've never ever missed a payment in my life and my current balance on these credit cards is close to zero ( they've already been paid off ).
Consumer complaint received 2021-10-28
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. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Home mortgage is reporting to the credit bureaus that my home was starting a foreclosure in XXXX of XXXX. When in fact It was paid off XX/XX/XXXX. The closing date for the buyer was XX/XX/2021.