davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I have applied for a mortgage modification because I have fallen behind on my payments due to my wife and I losing our jobs. I have since been able to make my payments but I can not catch them up. I can not afford payment arrangements because the mortgage servicer Mr. Cooper will not spread them out over a long enough period of time. 5 months ago I applied for the modification and provided all required documents at that time. The underwriter did not read all of the documents provided and requested the same documents over again with no explanation as to what was wrong with what was provided. In late XXXX I spoke to their customer service agent whom went over the documents I provided with me and stated all required documents where there. The underwriter reissued the same request for documents in XXXX. I called and spoke to the customer service representative again and they stated they saw that the documents were uploaded. Meanwhile I have been making monthly payments keeping the mortgage from going 90 days delinquent. This continued through XXXX when on the XXXX I went and uploaded all new documents for review and went over such documents with customer service. There has been no review of those documents and a month has now elapsed.
Consumer complaint received 2023-04-10
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: AMERICAN EXPRESS COMPANY (NJ)

Amex reported late payments on XXXX credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with Amex rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (FL)

On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.
Consumer complaint received 2019-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I have contacted PayPal about a payment sent to XXXX XXXX for {$150.00} and in the description I put that it was a payment for concert tickets which I never received and they blocked me. I tried to contact PayPal for a refund but they would not help me.
Consumer complaint received 2023-05-22
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. (AR)

I am submitting my complaint again for you to notify about some incorrect informations on my file that are need to dispute but no one seems to care regarding this matter. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items be removed immediately on my credit file : XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : 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 ; 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 : XXXX. XXXX, XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX.
Consumer complaint received 2020-09-25
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: CITIBANK, N.A. (MO)

In a nutshell, I'm unable to do a balance transfer with the new card, stuck paying 19.99 % AND CITI damaged my credit score. Approximately 3-4 months ago I received an offer for a CITI Double Cash rewards card with  a decent available credit limit of $ XXXX. CITI apparently did a hard credit check and damaged my credit score by appx.100 points. I have contacted them multiple times for some sort of resolution but no luck. Furthermore, I would really like to do a balance transfer from another CITI card in an effort to utilize the 0 % interest, instead of the 19.99 % interest on the current CITI account.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (NE)

Two collections were owed and were being collected by XXXX XXXX XXXX   XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX Texas XXXX XXXX. XXXX XXXX XXXX was handling this collection for Pendrick Capital. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XXXX XXXX, 2019 I received a collection notice from XXXX XXXX XXXX in XXXX IN in the amount of {$650.00} owed to XXXX TX XXXX XXXX. Again this collection agency was handling the collection for Pendrick Capital. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX for the same kind of stuff. 

Now XXXX XXXX is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am a! 00 % service connected XXXX XXXX. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at Pendrick Capital picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is Pendrick Capital continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.
Consumer complaint received 2019-06-24
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. (FL)

There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the XXXX   breach!!!! 

XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP (ND)

While  in loan be notification with usbank they put foreclosure on my credit report so I could not get financing from  another institution. The real estate protection act and. The Frank Dodd act are still are strictly against this. They ual tracked me and the county also entered a judgement against me at the same time while the bank never foreclosed the collection agency did.
Consumer complaint received 2019-06-24
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: U.S. BANCORP (WA)

I AM A VICTIM OF IDENTITY THEFT, BEGINNING FROM XX/XX/2019. I TOOK ALL STEPS THAT WAS AVAILABLE TO ME TO REPORT THIS ISSUE, WITH THIS COMPANY PERSONALLY, FILED POLICE REPORTS, FILED FEDERAL TRADE COMMISSION REPORT, LOCKED MY CREDIT BUREAUS, PLACED ALERTS FOR 1 YEAR ON ALL OF THEM. FORWARDED ALL NEEDED PAPERWORK TO THIS COMPANY SO THEY CAN CLEAR MY CREDIT HISTORY. NOTHING RESOLVED YET SINCE XX/XX/2019. I CONTACTED THEM SEVERAL TIMES, BUT I AM NOT GETTING ANYWHERE.
Consumer complaint received 2021-06-11
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: AMERICAN HONDA FINANCE CORP (MA)

I filed for identity theft in XXXX of 2021. Honda Finance claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. Honda, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.
Consumer complaint received 2019-06-24
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. (TX)

XXXX XXXX declines me b/c they don't have accurate information Experian is not reporting all my paid accounts proof is attached XXXX   XXXX doesn't show up on paid accounts costing me loans XXXX XXXX I paid how the loan have proof attached XXXX still showing XXXX owed attached proof of paid
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I deposited a check into my chase bank acct via atm, in the ammount of XXXX and it printed out my receipt saying funds would be available by XX/XX/XXXX. The check was cleared by the bank on XX/XX/XXXX and on the morning of the XXXX I checked my banking app to see if the money was in my acct, it was. But when I went to use my debt card to pay bills n make purchases my card was declined, I called cutover service and was today that my acct had become restricted due to the the check not being verified and that my acct would be closed by the XXXX of XXXX if the check was not verified. I was told that I had 10 days from the date the check cleared, which was the XXXX to have the check verified. I was never contacted in any way to have been aware of any of this and was not given enough time to figure out what was meant to be done and to stop my acct from being closed. Long story short my acct was closed and I was sent a check on XX/XX/XXXX in the amount of XXXX, the remaining balance in my checking acct not including the XXXX check that was deposited in my acct, I was told that in order for them to release the check amount to me I would have to go into a branch bank with the executor of the check and both bring in documents verifying that we are who we are. The executor of the check was out of state at the time and wouldnt be back til the end of XXXX and I was told that the money will be held until we come into the bank to be verified. So Ive been waiting over a month for this money, had my bank acct closed and have had no help in getting my money back. Why would chase bank clear the check on the XXXX and still ask for it to be verified in order for me to get my money?
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Incomm Holdings Inc. (NJ)

I received a reward credit card from XXXX. The amount was {$10.00}. The expiration date on the card is XX/XX/XXXX. I didnt use the card for a year and when I tried to use it the card was denied because it didnt have a balance. When I called XXXX XXXX Reloadable Card # XXXX also registered in NY by the name of InComm Financial Services, they informed me that they have f charged me {$10.00} because I had not used the card although the expiration date is XX/XX/XXXX. I have the original reward letter from XXXX and nowhere on the letter or on the card does it state there are fees if you dont use the card before the expiration date. I realize {$10.00} is a small amount but this practice should not be allowed to continue. A card is valid until it expires like any other contractual agreement. One should not be penalized while a contract is still valid. I want my {$10.00} returned and further this is an example of extraordinary extortion by a credit card issuer which apparently they feel they can arbitrarily enforce.
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX declines me b/c they don't have accurate information XXXX is not reporting all my paid accounts proof is attached XXXX XXXX doesn't show up on paid accounts costing me loans XXXX XXXX I paid how the loan have proof attached XXXX still showing XXXX owed attached proof of paid
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

Hello I made a payment on Friday XX/XX/2019. I spoke with XXXX XXXX. I asked her if I was going to be reported late to all three credit agency 's and she advised no if a payment was made that day. I can not afford the student loans payments all! it is causing a hardship for me and my XXXX. I'm trying to get into affordable housing and this false reporting is hurting my credit and needs to be corrected ASAP.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

On X/X/18 I requested a reinstatement letter to start the process of withdrawing monies from my retirement account on a 'hardship basis ' to repay Fay Servicing the past due amount. I have had several phone conversations with my account manger who promised to send the same and that " Fay Servicing is most interested in helping me stay in my home and remedying this temporary situation ''. After 6 attempts and promises via the phone I still have not received the information.

This is especially troubling as I have learned that Fay Servicing also has a real estate division that looks to sell homes they have acquired which are worth more than their mortgage value. 

My situation is temporary. I have funds available to cure the past due amount. They know this, and are delaying and threatening foreclosure in extreme bad faith by not providing a reinstatement letter.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (OK)

My name is XXXX XXXX and todays date is XXXX2020. I have a mortgage with Bank of Oklahoma. The loan number is XXXX. I went to the bank to pay off the remaining balance. They said they could not give me a balance and I would have to call their automated system and wait for a total to be given in a week. This seems wrong because they are able to collect interest for another week. Are they required to give me the amount and let me pay it off immediately during normal banking hours? Should I have to wait a week?
Consumer complaint received 2019-06-24
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly medical collections on my credit report. ( Please see the attached spreadsheet outlining each account. ) These medical bills were on behalf of my daughter who has Medicaid. I gave each provider my daughters Medicaid card account information for billing purposes, however, the providers never submitted the appropriate paperwork to Medicaid and consequently the outstanding balances for my daughters medical bills has now attached to my credit report and consequently has become a collection. ( Please see pages 2, 3, and 4 of the attached credit report along with a copy of my daughters Medicaid card. ) This incorrect reporting is harming my credit score.  Please remove these line items from my credit report.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (OR)

Equifax sent me credit card suggestions to help improve my credit score. 
My score was reduced, and I was denied a credit card. And Equifax kept an old account I closed, as not paid, when I sent the product back.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I get called every single day from this debt collector. Portfolio Recovery Associates calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a validation request to collection agencies for an account on my credit report. I never received anything back in regards to the accounts within the 45 days allowed per FCRA rules. I then set a letter to TRANSUNION with the original letters to the collection agency advised to remove these accounts from my credit report as it has not been validated per request. TRANSUNION was the only company that didn't remove accounts, nor investigate, nor send a response back in regards to my request, and it has now been over 45 days for them as well.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Regarding a fraudulent Capital One credit card account that I have been fighting since XXXX, 2015. I sent Capital One a notarized ID theft affidavit back around XX/XX/XXXX/XX/XX/XXXX. They claim that it 's my responsibility when I did not authorize anyone to open the account. However, I am suspecting it is a family member who did reside at my home from the time the account was opened and then used. Unfortunately, I am unable to contact this relative, nor have any of my family members had such luck. Yes, he did reside at my home, yes he did have access to my personal items such as cellphone, computer and filing cabinet, and it would not be his first time committing fraud. Capital One has failed to recognize this instance, in a time that we are living where ID Theft is astronomical in crimes committed. I also want to add that I have fought this account with the credit agencies and had it removed, however, Capital One has gone ahead and reposted this account. I am willing to fight this fraudulent account to the end, and will pursue legal matters against Capital One until my name is cleared. Finding and prosecuting my relative is a bit more trying. The account number is XXXX. I am going to file another complaint with the XXXX as well as the FTC and Virginia State Attorney.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

Morning of XXXX Received an email from Amex that my account was cancelled. 

We are writing to inform you that, after a recent review, your American Express account ( s ) listed above have been cancelled.

Heres what that means No further charges will be approved, so please ensure any Additional Card Members are aware of this change. If you have any recurring charges on these accounts such as telephone or wireless charges, please contact that company immediately to ensure these bills do not go unpaid. You should also destroy any Card ( s ) you may have for the account ( s ). '' For more information, I need to log in and check the message center.

When I do, I get a message is " unavailable '' note copied below- When I called numerous times - I've been placed on hold without an answer for over minutes -- given the option of a call back that did not happen. 

" This message is unavailable. 
Because this account has been closed, we're unable to load some account information. Please check to see if you also received a mailed copy of this message. ''
Consumer complaint received 2019-06-24
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. (NC)

Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!