davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
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 applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My original loan was through XXXX. It was sold to XXXX & now Im stuck with PHH Mortgage. I was unaware of the many problems with this company until they sent a letter dated XX/XX/2020 claiming that FEMA had recently mapped my property into a Special Flood Hazard Area. I thought it must be a scam since I live on a hill. They are force placing flood insurance, even though I have sent many documents showing I am not in the XX/XX/2020 FEMA SFHA. I have applied for a LOMA from FEMA, but I did not do this from the beginning because FEMAs updated online map clearly shows my property in a low flood risk area. PHH wants me to provide an Elevation Certificate at my expense which I am unable to procure anyway because it can not be done for a property that is not in a flood zone according to XXXX XXXX at XXXX XXXX XXXX XXXX, surveyor XXXX XXXX XXXX XXXX County Flood Plain Administrator, XXXX XXXX. I have provided my correct Community #, property ID # s, my Recorded Deed as well as other documents including a flood determination & property exhibit from XXXX, maps from engineers & my appraisals from the XXXX County Appraisal District. PHH is refusing to send a flood determination to XXXX so that I may purchase insurance from the provider of my choice. I started asking for this document on XX/XX/XXXX when I first learned it was needed in order to even get a quote for the high risk flood insurance. XXXX requires this document when a mortgage company claims a property is in a different zone than what XXXX & FEMA states. It is nearly impossible to get a live person on the phone at XXXX. I have been passed from agents to managers to supervisors to researchers with great difficulty on my part to even get past the first call-taker. They rarely call back, they have given me direct lines that are not answered & /or disconnected. Employees that have promised to see my case throughare suddenly no longer with the company. All of this easily took the 45 days they gave me to either dispute my case or purchase my own insurance before they choose their own & start charging me for it. Now they are charging me for insurance that I have no proof that is needed, do not know what company is providing it or what it covers. XXXX is aware that I have lost my job due to COVID & that this policy abuse will make it more difficult for me to continue to pay my mortgage. I have never been late or missed a payment. I would have refinanced a month ago to be free of XXXX if I were able to.
Consumer complaint received 2020-03-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : EXPERIAN AND XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments
Consumer complaint received 2020-06-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I Sent Off Dispute Letters XX/XX/2020 & All 3 Credit Bureaus Has Not Replied. Its Has Been More Than 30 Days Once Again, & Everytime None Of These Entities Have Provided Verification & Proving This Belongs To Me. This Is My Final Attempt To Correct This Issue & None Of Them Still Gave Me What I Needed.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

In spring XX/XX/XXXX I took a conventional 30 year mortgage with Bank of America NA. At that time I attempted but was unable to set up online access via the internet in order to make my monthly payments. 

In XX/XX/XXXX I recontacted BofA and again attempted to set up online access to the mortgage to make my monthly payments. Numerous phone calls to BofA locations in XXXX, NY, XXXX, TX, XXXX, NC, Montana, XXXX, AZ in XX/XX/XXXX through XX/XX/XXXX and most recently XX/XX/XXXX with customer service ( in XXXX ) I am advised that their Technical Team ( XXXX XXXX ) is still unable to make this happen. Their case number for my request is XXXX. 

I continue to make my monthly payments via US Mail but would prefer to use my BofA online account for ACH/electronic payment. Thank you
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for the Hilton Surpass Card on XX/XX/XXXX, I applied with the welcome offer of XXXX points under the condition that I meet the spending requirement of {$5000.00} within the first 3 months after account opening. I had met the requirement in time. But I when I called in on XX/XX/XXXX to request the points after I fulfilled my requirements, I was told that I was not qualified for the welcome offer points. I talked to XXXX and XXXX and they told me my request would be transferred to a different department for further investigation. ( on XX/XX/XXXX, I called in to resolve some issue, but the representative cancelled my XXXX credit card without my authorization. I called back to reopen my account and got a new card with different card number. I think it might be the reason why the system couldnt process my welcome offer points because it might read the reopening action as duplicate accounts, which disqualify automatically. ) On XX/XX/XXXX, I spoke to XXXX, she informed me based on the result of the investigation, the points will not be granted. The reason was based on my past credit card experience. But according to Amex 's disclore towards the offer, " Welcome offer not available to applicants who have or have had the Hilton Honors Surpass Card or the Hilton Honors Ascend Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' I ony had 1 AMEX blue card other than this Hilton card wand it was opened 13 years ago back in XXXX. It approved my application without any warning or notification saying that I was not qualified for the welcome offer. And it misled me to believe that I would receive my welcome offer by mailing me the card and documents without any written notice regarding the disqualification decision. When I called in XXXX and XXXX asking different questions regarding the welcome offer associated with my card, nobody had ever informed me that I was not eligible to receive it. I tried my best to spend {$5000.00} within 3 months to meet the requirement to get the points to only find out they would not honor their offer as advertised.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I have 2 prepaid Vanilla Gift Cards in the amount of {$20.00} each. 
These were originally {$100.00} each. {$80.00} per card was used at XXXX XXXX XXXX XXXX XXXX 
There is a {$20.00} balance left on each card. 
I checked the balances at vanillagift.com and they both show remaining balances of {$20.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXXXXXX XXXX  and XXXX. I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (NC)

Incorrect payment status for all accounts involved and attached on this letter. It is stated that this account has not satisfied the debt but you have been refusing to investigate. I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. It has been 9 months and there has been no any response to my previous request to validate the debt. Invalid account numbers and asterisks dont match or corresponds to the accounts involved.
Consumer complaint received 2021-04-23
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: Experian Information Solutions Inc. (CA)

My Experian credit report was accessed on XX/XX/2020 as indicated by a hard credit inquiry by XXXX XXXX XXXX. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2021-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

Hello, i am in the group of people that was ripped off by XXXX XXXX. I have been fighting and waiting for the loans to be discharged for over 10 years. I have gotten emails from companies that have said that I am in the group that should have the loans discharged do the court case. and now I see that Biden just approved more money to help students out with this for-profit schools. I have serval emails from various lawyers and other companies that said they would get this moving but with little action.

I have been paying what I was told to at a min and most are on the national emergency forbearance that ends on XX/XX/21.

This has killed my credit score and I need to get this cleared up as promised. and if possible get back the money that I paid into the loans as well. 

Please see attached pictures and feel free to call me
Consumer complaint received 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card was used XX/XX/XXXX and XXXX at a atm for XXXX  dollars. Both days the atm clearly was used multiple times with some of the transactions were for XXXX dollars because obviously they didnt know my limit for transactions. I reported this to Bank of America and they closed my claim once i ordered a new card and now reopened it after i called checking on the claim, now i have to wait 45 days and i have rent and a vacation that was already planned coming up
Consumer complaint received 2020-07-14
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2020-07-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

I applied to refinance my FHA loan into Conventional loan with my current mortgage servicer, Freedom Mortgage. I was able to find a better deal elsewhere. I explained this to my loan officer. I then received a call on XX/XX/2020 from a woman at Fredom Mortgage asking when I was going to make my payment. I had never received a call like this. I stated that I would be making the payment before it's due date. On XX/XX/2020 I received a letter stating I was being placed on a repayment plan as of XX/XX/2020. I had already made my payment, this is being done to prevent me from refinancing my home with another servicer.
Consumer complaint received 2021-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (GA)

My complaint is regarding the misapplication of my mortgage payment thereby causing late payments being reflected on my record and harassing telephone calls in an attempt to collect payments and late fees. 
Upon closing my home purchase I received preaddressed mortgage payment slips. The slips were made out to Mortgage Research Center , LLC dba Veterans United Home Loans. My mortgage payments were sent via XXXX XXXX bill pay system and shows the below listed information. Payments were cashed or acknowledged by Mortgage Research Center. 

a. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 b. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 c. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 XXXX XXXX has payments received : XX/XX/XXXX, XX/XX/XXXX and XXXX not received as of XX/XX/2021. 

Approximately XX/XX/2021 I received a letter from XXXX XXXX aka XXXX XXXX that indicated future payments should be made to them. I telephoned XXXX XXXX to confirm the authenticity of the letter and was immediately confronted with questions regarding late payments and penalty fees. I began making inquiries with Veterans United and XXXX XXXX to ascertain why I should be penalized for late payments and have it reflected on my pay history. 

After a number of telephone calls and answering redundant repetitive questions from recordings and reception people I was referred to someone from Customer Service. I was advised by Veterans United Customer Service representatives that " everything '' was taken care of and my pay record would be reflected as timely. For the last couple weeks I received daily telephone calls and messages from XXXX XXXX in their attempt to collect XX/XX/2021 payment which was yet to be received ( XX/XX/2021 ). Thus far I am charged with {$92.00} in late fees and have 3 months late mortgage payments. As of that date they advised me that my record stills show the late payment and no payment for XX/XX/2021. 

NOTE : I have bank statements that show the itemized information above. The documents could not be attached to this report.
Consumer complaint received 2023-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WV)

I am having many problems with this XXXX Mr Cooper. For a decade things were fine, but as soon as Mr Cooper assumed my loan things have gone array. Before they refused to process my payments, now a monthly fixed payment of XXXX $ has balloned to XXXX XXXX I have no choice but to pay until this is fixed. I would request assistance returning my payment to XXXX $ and staying there like a fixed rate should. There have been no increases in my lot property taxes so it should still be XXXX $ XXXX. I pray you can assist. XXXX
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Red Cedar Services, Inc (CA)

I had to take multiple payday loans and installment loans, five in total, to help out my family which was going through tough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.
Consumer complaint received 2020-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

A provider later identifying itself as XXXX XXXX XXXX XXXX XXXX provided ER doctor services at XXXX XXXX hospital. 
I visited local ER on XX/XX/XXXX & again on XX/XX/XXXX. 
XXXX XXXX Hospital is an 'in-network ' provider for my insurance. 

Soon after, I was notified by my insurance company ( XXXX ) that the provider ( ultimately Wakefield & Associates/XXXX XXXX XXXX XXXX   XXXX ) had billed rates that were significantly above normal & customary. 
Insurance paid the provider {$750.00} against the {$1200.00} that was billed, and disallowed the remainder. I then paid the provider an additional {$75.00} above & beyond what my insurance had already paid. 

I then reached out to the provider, pointed out that the amounts they had billed for were higher than customary, and requested that they adjust. The provider never responded to my request, or to my insurance company, and ultimately sent what they deemed the 'balance ' to collections, having a negative impact on my credit report. 

I have also disputed the amounts with the credit monitoring companies, but of course the dispute makes no difference there, as the 'creditor ' simply insists that the amounts billed are accurate. 

Since I went to an 'in-network ' facility, I have no way of knowing at that time that the ER doctor is not within network. Wakefield & Associates is taking advantage of this situation to submit excessively high bills for their services. 
They are then unwilling to acknowledge that the charges are inappropriate and SHOULD be adjusted. 
There are a large number of similar complaints against Wakefield & Associates already in the CFPB online database, so it is quite obvious that they are doing this repeatedly, and on a large scale.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX XXXX was my mortgage company payment of {$2300.00} was made in XXXX XXXX. Then XXXX realized my loan was transferred to XXXX XXXX and sent payment of {$2300.00} to my new mortgage and XXXX then did not see I had a loan with them ( did not look under my social security number ) then forwarded check to Shellpoint which is my second mortgage. Payment received applied to my principal and monthly loan. I called Shellpoint to have payment sent back to XXXX XXXX and now 4 months later Still no payment sent and now Shellpoint not wanting to give me any answers where payment is and they reversed Money from my principal and money is where?? Shellpoint is not being cooperative. I need answers.
Consumer complaint received 2018-06-14
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 (TX)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Have attempted to remove an old bank account from my profile after successfully setting up auto-pay with my current bank account. Navient withdrew incorrect amount XX/XX/XXXX ( {$24.00} ) although I am scheduled to pay {$270.00} ( which changes with interest rates month to month ) each month via auto-pay. Incorrect autopay amount rectified as of XX/XX/XXXX but, in attempting to remove the old bank account, my autopay ( with the correct/new bank account ) was all together cancelled in error. Have contacted representatives at the NJ office XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Representatives have advised that tickets will be sent to their " back office '' to rectify the issue ... no return call/correspondence/resolution of the issue. I have come to the realization that there is nothing I can do to fix any sort of problem with this company.