davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

in XX/XX/XXXX I paid to cardinals financial theamount of {$5500.00} due to payments missing. After that month I been paying the monthly payments. On XX/XX/XXXX I was notified that my loan again was in process for foreclouse. I contact their deparment and i was informed that my loan only was missing XX/XX/XXXXand XX/XX/XXXX payment. I contacted their law fim XXXX XXXX XXXX and they send me reinstament quote for the amount of {$9100.00} per their statement I am behing 666  payments which does not make sense. Their refuse to give me a history of payment starting from XX/XX/XXXX to now to see how and what payments are missing. I was told by this law firm that I have to pay this, but why if I dont own them this amount. the loan # XXXX with Cardinals fiancial ( XXXX ). their aw firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, GA XXXX Fax : XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (IL)

EXPERIAN is reporting an account on XX/XX/2023 on my credit report : Potential Account numberXXXX showing on EXPERIAN report. 

The report states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even experian prior to XX/XX/2023! 

on XX/XX/2023, report as well witch shows you are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent!. all other credit burau are reporting properly that all my student loan accounts have been paid of as agreed and with no balance owed including this account amount, you are even providing a different account number. 

Per 15 U.S. Code 1681 Without you being able to provide me with the original contract with my signature, I am requesting that U S DEPT OF ED and EXPERIAN to have the incorrect item removed immediately from my credit report that is causing damage to my name and credit worthiness. 

i need to make sure they not keep reporting inaccurate information and need the CFPB to have them comply with the laws and preserve my rights! 

Thanks for your help
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc. (TN)

Obtained Loan for {$1000.00}, I paid each payday, and came to a point of having issues paying due to the frequency/interest accrued. They froze the interest from that point on I paid {$90.00} each pay day day/ bi-weekly, {$180.00} per month. And if additional pay day I paid another {$90.00}. I continued to pay as agreed and watched the website balance go down per each month. Balance finally reflected on the website I was Paid In Full. Website reflected {$0.00} balance. This company now wants to continue to pull another {$270.00}. from my bank account after showing on their own website {$0.00} balance. I told them to send me something to substantiate their claim. I have asked numerous times for an accurate account. At this time they have not provided an accurate disclosure but sent me to collections instead. I have told them for the past few months - provide me the proof I owe you more money but they do not. They have my correct email address and correct address. Still no disclosure of proof, but their website reflected {$0.00} balance. I think its fraudulent to send me to collections if their website reflected one thing and they cant seem to show me proof I owe them any more money? If their own site reflected {$0.00} balance they should honor that. You cant claim there is something wrong with your website and expect people to just buy into it bc you say so. Show me the proof a complete and clear reconciliation to substantiate your claim. Due to their own lack of honesty I refuse to pay them unless they can substantiate it.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I received an AMEX gift card that was sealed in the original envelope from a family member whom ordered it directly from AMEX. When i went to use it there had been 4 unauthorized charges on the card that were not from me. I received the card a week ago ( XX/XX/XXXX ) but the charges were from XX/XX/XXXX and XX/XX/XXXX. This card was unopened in the original American express envelope. Amex would not do anything to assist with charging back the fraudulent charges and were overall very unhelpful. They told me to contact the store that the card was used at to have them reverse the charges. I am in the process of dealing with paypal to get all of the charges reverse but this extremely concerning that the sealed AMEX gift card credit card numbers were somehow leaked online and/or stolen. The only way i could imagine this could have happened would have been in the amex facility itself as the card was never opened or viewed by anyone else.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. ()

I have transferred the to XXXX which was around {$30.00} dollar to my friend through world remit. But due to some reason the transaction was not completed and i had cancelled that transaction on XX/XX/XXXX. They told me that I will get my refund back with in 7 working days due to their policy. Its now more than one month and when i asked from them for the refund they told me every time that they have processed the refund and i will get my refund with in 2 days. This never happens. Everytime they make excuses when i asked them to give me and refund details like transaction code they also never gave me that. 
Now they are harassing me by making excuses everytime.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Associated Credit Services, Inc. (PA)

ASSOC CRDIT ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is  affecting my ability to obtain new credit
Consumer complaint received 2020-02-21
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Onity Group Inc. (NY)

On XX/XX/XXXX Ocwen Loan Service was paid $ XXXX XXXX by by XXXX XXXX XXXX ( ck # XXXX, They were instruceted to send to me, XXXX XXXX a letter of Release of Lien. When I went to remortgage the house in order to get ex-wife removed from mortgage, it was discovered that I had never received the release from ocwen Loan. 
I made tow phone calls to Ocwen customer service in XX/XX/XXXX to no avail. I have sent two letters to Ocwen, registered mail on XX/XX/XXXX and XX/XX/XXXX. Both were reeived and siggned for. They have not had the curtosy of even acknowledging that they received the request for ( A ) Release of Lien or ( B ) a copy of origial letter, if they sent one. I am informed that this is a viloation of both State and Federal Law ; I have no way of sending you the documentation electronically as I do not have a scanner. 
All I am looking for is some sort of documentation so that I can proceed to remortgage the house.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Adjusters, LLC (TX)

My account with National Credit Adjusters was paid in full. ( See attached ). The loan was a payday loan from The XXXX XXXX XXXX {$1300.00}. It is showing closed and with a XXXX  balance from the attachment from XXXX XXXX that was reported by XXXX. It is still showing in collections from XXXX XXXX, XXXX, XXXX, and XXXX. I called the ( 3 ) credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections. I mailed the ( 3 ) credit bureaus the paid in full letter. I would like help of removing it from collections on all ( 3 ) credit reports. Thank you very much.
Consumer complaint received 2021-06-15
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. (OR)

I have sent multiple communications to Equifax about inaccurate to completely wrong information on my credit report. I have been waiting for several months with absolutely no response and trying to purchase a house. My XXXX score went up 110 points several months ago after the information was fixed but still nothing on Equifax so there is over 100 point difference between the two right now.
Consumer complaint received 2019-05-01
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: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act.  These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
Consumer complaint received 2016-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (WA)

Chase indicated to me that they have decided to 'restrict ' my account and told me that I can not access the funds I currently have in the account, which is XXXX. I went into my local branch on XXXX XXXX and had a teller call an account specialist who indicated that my account was restricted ( meaning no money can go in or come out of the account ) and that Chase would be closing my account and sending me a check for my balance. The teller was told this would take XXXX10 days. I went back to the branch today XXXX after XXXX business days as I NEED my money to pay bills which are now late and charging me additional fees. I had another teller/manager call their 'back office ' and then told me that they can not give me my funds until the 'back office ' says it 's OK. I asked how long will that take, as I was told a max of 10 days and she told me they would n't / could n't tell her. I can still see the balance sitting in my account and this is putting me in a DIRE situation. I even have chase credit cards I ca n't pay because their bank wo n't give me MY money. If I were to do this and take XXXX of their money and tell them I 'll give it back to them ... ..'sometime ' ... I 'd be arrested. I do n't see how this is legal or allowed.
Consumer complaint received 2020-02-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

Made {$2500.00} payment with all extra to be applied to principal. Normal payment is approximately {$650.00}. This is 6th time time in the last year BMO Harris Bank has NOT applied extra principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying the problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Attorney General of Arizona and the Illinois and Arizona Division of Financial Institutions.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Because as you know I submitted a dispute against XXXX .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... TRANSUNION is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO XXXX AND TRANSUNION TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent several letters since XX/XX/2021, and I have not received a response concerning this account ( XXXX  ) listed on my credit report. It has been over 120 days and nothing.
Consumer complaint received 2021-04-17
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 (NY)

Paypal closed my account for no reason. and will not help me with getting it resolved. Im not sure if this is some mistake as I assume it has to be. They have verified my identity and that my funds that were directly deposited were fine. I waited the 3weeks past their 180 lock out. Several phone calls were made and I was told that I would get an email to transfer my money would be sent in 72hours ... .got nothing I was informed to write to your company letting you know paypal is not doing their jobs professionally. 
my email address for paypal is XXXX XXXX
Consumer complaint received 2018-05-06
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. (AZ)

I have a new employer and I want my employer and employment information added to my XXXX, Experian and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX Annual Salary : {$350000.00}
Consumer complaint received 2022-12-15
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD  XXXX XXXX  CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in several dispute letters to have certain items removed .. I received an updated credit report with the same negative accounts reporting stating before and after but they are the same .. I requested original documentation be mailed to me with my signature I did not receive it ..
Consumer complaint received 2020-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I have had no permanent employment since 2010 ; working contract is not helping me either. I can't pay the loan at all ; plus Navient only answer is to continue forebearance now a XXXX dollar loan over the course of 10 years and accumulated interest is now XXXX I will never be able to pay this unless I win the lottery ; I don't even play. 

I am trying to find an attorney to file for student forgiveness. I am now XXXX and am XXXX   with XXXX XXXX still. No attorney will hire me permanently I still hear I don't have experience after 13 years of graduating with XXXX 's grade point average. I have had to work contract with no secure permanent job in the future coming to me. I don't know the answers to these issues, maybe you do. 

XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX, XXXX, and Equifax have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXX XXXX  ACCOUNT ON ALL THREE CONSUMER REPORTS.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS