davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (IN)

We were in the process of having a new home constructed and closing on the home was set for XX/XX/2019. We where shopping around for the best rates and after contacting an officer with Garunteed Rate we decided to go with them. That individual told us we would receive the below ( taken directly from an e-mail he sent XX/XX/2019 ) : OPTION 3 30 Year Fixed XXXX Loan Amount 4.500 rate (  paying XXXX points ) XXXX / month ( principal + interest ) PMI = XXXX / month **I give you {$2500.00} in Lender Credit with this option, which brings the total lender fees down to {$0.00} **I give you an additional {$1200.00} in Credit towards the remaining 3rd party closing costs : Appraisal, Title, Government Fees I followed up a few times about the credits and the {$1200.00} he mentioned. I sent an e-mail dated XX/XX/2019, and another on XX/XX/2019. The first time he told me the credits would be paid outside of closing ( POC ). After inquiring closer to the closing on XX/XX/2019 I was told we were only getting a {$2500.00} credit, and the " additional {$1200.00} in Lender Credit '' was not actually an additional credit at all, it was what would be left from the XXXX credit after applying that credit towards their ( Garunteed Rates ) lender fees. 

The original e-mail stated the credits in a way that they were two completely separate credits we would receive that could be applied towards different closings costs. However, when I tried to ask about them a few weeks after I was told not to worry about them and they would be paid closer to closing. It was only after my last inquiry near closing I was told these were not 2 separate credits and he tried to blame me not understanding for the poor wording he used. I believe he intentionally worded it the way he did to make the deal seem much better than it was, and tried to brush my inquiries about the credits aside until close to closing when we would be unable to get out of the loan without suffering substantial loses.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

This debt was for cancellation of a homeowners policy which was paid for the month it was cancelled. Credit Collection Services ( CCS ) has incorrectly reported this as a {$110.00} collection on my XXXX XXXX credit report. I submitted a written request to CCS for the original debt verification letter from the insurance company, namely XXXX. To this date I have not received any response from CCS. I request this collection be removed from my credit on an immediate basis.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

Pioneer Credit Recovery Collection calls numerous time a day and never leave a message. I will not answer calls unless they're in my contacts. I found several complaints for this number, some have answered and they said they ask for personal information right up front and claim bogus amounts of money you owe. I can block the number but XXXX XXXX says they can get you money if they keep calling?
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc. (VA)

Company is Sterling Talent Solutions Negative information from 10 years ago provided to employer on a 7 yr criminal history report provided by Sterling Talent Solutions Have contacted company several times about this with no answer or return phone call.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax is non functional as a credit bureau.They have been unreachable online for over a week.When I called the fraud dept they speak XXXX ( unintelligible combination of XXXX and XXXX ). 
I WANT TO DISPUTE XXXX  XXXX ACCOUNT XXXX ACCOUNT IS CLOSED NOT OPEN.THE BALANCE IS LESS THAN THE CREDIT LIMIT, ALSO INACCURATE.
Consumer complaint received 2019-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I consolidated all my federal student loans XX/XX/2010 and entered into an income based repayment plan with payments beginning XX/XX/2010. I have submitted employer verification forms certifying I have been working for either non-profits or a government agency since then. FedLoan Servicing initially denied 5 months as eligible The reasons given for the payments being ineligible are inaccurate ( FedLoan stated they did not receive payment for a month even though I am enrolled in auto-debit and my bank statement clearly shows they withdrew the funds from my account, another month was claimed to be in forbearance even though I never applied or requested that, and the initial 3 months of payments were through XXXX with no record that they were in the Income Based Repayment Plan ). FedLoan has been " reviewing '' 5 payments for over two years. When I call to ask for a status I'm told they need " ample '' time to review and there is no timeline for completing the review.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, XXXX XX/XX/XXXX. This is my 3rd attempt trying get XXXX and Transunion to update my consumer report and make sure it reflects the same information as XXXX. I paid my debt for less than the full amount and XXXX is reporting the information accurately but the other 2 credit reporting agencies are not. Credit limit {$8700.00}
Consumer complaint received 2019-10-03
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 (FL)

Capital one auto finance replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, XXXX report still shows 30-60 days late and has not been updated properly
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I asked for help from PHH I applied for a modification I was turned down. 
I asked for a repayment plan. I was given one and told about it 10 days or so before it was due. I tried to male that payment on the website using the western union speed pay and I was blocked from using that. I was not given any instructions on how to pay that payment. Just that there was no grace period. 
They then closed the arrangement. 
I wrote asking for it to be re-opened they claim that they did which I never got an email from them saying that they did. They say they did. 
But if I asked for the arrangement to be reopened because I want to save my home then why would I not pay it? 
I asked for it to be reopened they have not replied. 
I asked for my mortgage to be looked at as Ocwen has many lawsuits and They claim they looked at it and that Ocwen did nothing wrong. But my mortgage was {$43000.00} and now it's over 75,000 Can someone help me?
Consumer complaint received 2019-09-27
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. (WY)

hello XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Wyoming XXXX XXXX I took a glance at my credit report and notice this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX please investigate this account and and delete it form my report after your investigation.
Consumer complaint received 2019-09-27
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)

On or about XX/XX/2019, I logged onto my Experian account to find that there was information from another individual on my account. I disputed some of the items immediately. However, many of them I was unable to do so online. I contacted Experian and was transferred to ( 4 ) different people. The first person coerced me into stating that I thought I was a victim of fraud, when I was not sure what was going on. The last person had me put information onto my account that I really did not want on my account. 
I was finally told by one of the specialists that my account was merged with someone elses. I questioned how something like this happens, and the response was that the creditors reporting to the agencies gave the wrong information. I am sorry but I do not believe that is what happened. I have never had this in the past. I check my report several times a week. 
I reached out to this person that my information was merged with so that she could check her credit report. At first, she was skeptical, as she should be when someone she does not know reaches out about credit information. However, after speaking she realized that I was on the level. Now one of my accounts is on her credit report and I must jump through hoops to have it removed from her report. I also had to reach out to Experian again on XX/XX/2019, to have two address that belonged to the other person removed as they did not remove them the other day. While I was on with them, I had them remove the other information that I did not want on my account. However, they will not remove the Personal Statement Fraud Alert unless I upload documents and I tried three times and it does not work, so now I have to mail it to their Texas address and hope that it gets taken care of in a timely manner. 
I checked my XXXX and XXXX accounts and neither of them had any information that was incorrect. I pay {$26.00} a month to Experian for credit monitoring and they make a huge mistake and merge my report with someone elses. That is totally unacceptable. One would think being hacked would make them a little more cautious with pertinent information.
Consumer complaint received 2022-03-30
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. (LA)

According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Consumer complaint received 2019-09-27
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: BANCO POPULAR DE PUERTO RICO (TN)

There were multiple charges for gas stations in Florida on XX/XX/XXXX-XX/XX/11of 2019 ( probably 8-10 each XXXX to XXXX dollars ). I talked to someone on XX/XX/XXXX from the CC and was told I was not responsible for the charges and to destroy my card and was issued a new one. After a few day passed, more charges were let through. I called again and and spoke and was told that I would have to sign something and mail it back then they would investigate the charge. 

Everytime you call the #, which is the only way to contact them, you will be waiting a minimum 45 minutes. Very inconvenient with a full time job. 

I have also been charged finance charges on the fraudulent activity. 

I just wish to close my account as soon as possible, but a separate issue about a medical facility taking months to issue my refund and they apparently refuse to issue or can't cause my CC # changed has me sort of tied to my CC if I don't want to lose XXXX dollars. I tried faxing a dispute and talking to a CC rep about this and I get no where. Refuse to help.
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: First American Mitigators, PLLC. (MD)

My case happened in 2013 but I only heard about you now. I found " First American Mitigators '' as a law firm specializing in loan modifications. I contacted them, and based on our conversation, they agreed to take on my case, assuring me, that they would negotiate a loan modification with my lender, in order for me and my children to be able to stay in our house after my ex husband had moved out. 
I paid them {$5000.00}. Months went by without any news. They had also advised me to not pay my mortgage while the negotiations were going on. Every time, I called them to get an update on the situation, I was told to be patient and that they were working on it. A year later, I received a letter from my lender, notifying me that my property was going into foreclosure.
Consumer complaint received 2019-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank, Care Credit Card, lowered my monetary limit on my care credit card. I understand the reasons, however I've always paid on this card and i've had it for almost 4 years, I think. By lowering the limit only made my balance of credit limit to what I owe on my balance higher and hurts my credit score which is what they used to determine this decision. This of course perpetuates the negative and unfair cycle. They do not take into consideration their customer 's loyalty, payment history, and other items like that to inform their decisions. I'm really dissapointed in this company for contributing to making life harder for those who apparently are trying hard to improve their situation.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I ordered a 15 inch XXXX XXXX XXXX  Laptop from XXXX using my Chase Debit card for a total of {$2900.00} on XX/XX/2019. The package was supposedly shipped out via XXXX and allegedly " delivered '' to my house on XX/XX/2019. I was home the entire day waiting for the package but no one ever showed up to deliver it and I did not receive the box. After waiting 2 days in the case that XXXX delayed the delivery, the laptop still did not arrive. So I contacted XXXX, the merchant, to see if they can contact XXXX to try and locate my package if it went missing or something. One of the agents from XXXX told me that XXXX will start an investigation to try and locate the package. After a month and a half of " investigating '' and constant calls with both XXXX and XXXX and continuous times of XXXX telling me they would refund me the payment but never did, I could no longer wait for my money back speaking with them. I called my Chase bank number on the back of my debit card and disputed the transaction on XX/XX/2019. I gave them all the information they asked for and was issued a temporary credit for the disputed charges. I was given no updates on the status of the dispute, but was given my money back. At that point, because I had my money, I assumed that the disputed charges resulted in my favor. But today, on XX/XX/2019, I received a letter in the mail dated XX/XX/2019, that Chase bank has found based on their " research '' that the disputed transaction of {$2900.00} was " processed correctly or was authorized '' and will be removing {$2900.00} from my account on XX/XX/2019. Upon contacting Chase again, they told me that they will not be reviewing my claim or take a second look at it. I will lose {$2900.00} and still will not have the XXXX XXXX XXXX laptop I ordered on XX/XX/2019. At this point, I will not have the funds to pay for my monthly expenses because I will be short almost {$3000.00} with 4 days notice.
Consumer complaint received 2019-05-04
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: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report
Consumer complaint received 2019-05-04
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. (NH)

I submitted the exact same disputes to all 3 credit bureaus on XX/XX/2019. XXXX   and XXXX received, processed and gave me results within 30 days. Equifax received my dispute on XX/XX/XXXX and then didn't process it until XXXX XXXX which is when they started their 30 day window. When questioned they stated that it due to their internal mail handling practices and processing time for the documents I provided. They suggested if I submitted it electronically it would have taken less time, except their site is unreliable and I was unable to do so. 

I understand they rules to be that they have 30 days of receipt to do their investigation, This company added 12 extra days based on their own internal process which is unfair to consumers. Please hold them accountable for this, Equifax has a history of not being consumer focused and this is simply another example.