davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (OH)

I was initially contacted by an MLO at First Guaranty Mortgage Co in XX/XX/XXXX in re : streamline refi of the FHA mortgage that I had originated with them in XX/XX/XXXX. On XX/XX/XXXX the MLO sent an email promising a 4.00 % rate with a payment lower than my current payment ; as my taxes on the property were set to go up, I decided to proceed with the application process. The whole process has been hampered by a lack of communication from the MLO, despite repeated outreach attempts by myself ( via phone and email ). The MLO again contacted me by email on XX/XX/XXXX and then I heard nothing until XX/XX/XXXX ( I had to call in a complaint to his supervisor in order to be contacted by the MLO ). In the XX/XX/XXXX email I was told that there were possible problems with the title on my property -- a possible lien from the state. Since sending additional information into FGMC so that their Title Co can research the issue I have yet to hear back as of XX/XX/XXXX, despite sending two follow-up emails. 

I know that the FHA rate is now greater than 4.00 %, so I do not see that the company will be able to honor the rate that was promised to me in their XX/XX/XXXX email. I believe their lack of timely communication and follow-through may have cost me the opportunity to lock in a beneficial rate ; additionally, this drawn-out process for what was supposed to be a streamlined refinance has cost me the opportunity to attempt a streamline refi through another company because I do not want multiple pulls on my credit report.
Consumer complaint received 2020-10-26
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. (OH)

XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; Experain Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX Experian is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.
Consumer complaint received 2023-03-18
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these items : 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 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 XXXXXX/XX/XXXX the aforementioned items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-12-03
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: Continental Finance Company, LLC (KY)

the XXXX XXXX XXXX XXXX  would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

Dear Equifax, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX from my XXXX account to Coinbase at the instructions of the scammers. 

Scammers wallet that is on Coinbase : XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX NA ( Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX ( Finance ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX ( Hotel and travel ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXX ( Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX   ( Finance ) Made on : XX/XX/XXXX Made with : Transunion
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

On multiple occasions Ive disputed a false collection for a XXXX ( no longer in business ) device I never even owned and company refuses to provide proof of. They will not remove account from my credit. When sent complaint by CFPB they state they have no record of my account. This company is XXXX XXXX. Upon my persistence, they assessed a new account identical to the XXXX XXXX account in another name. Enhanced Recovery
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I erroneously paid a Merchant, XXXX  XXXX, for {$1000.00}, which I informed American  Express, several times on several ocassions, by telephone and in writing. 

XXXX XXXX XXXX XXXXXXXX, XXXX  and XXXX XXXX XXXX XXXX never contested my claim or disputes but American Express insisted on charging or debiting my Credit Card ending in XXXX, acting as if they the third party collector. 

I consider this repeated action, pure and simple harassment which is tantamount to violations of Fair Debt Collection Practices Act.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identiry thef. The following information on my report that needs to be deleted. Please delete these as soon as you can. 

XXXX CARD ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021, {$15000.00} was stolen from me by fraudulent methods through the Bank of America in XXXX XXXX. I wired funds to that bank as payment for a car that was to be delivered to me in Virginia. No car was ever delivered and the parties I was working with to complete the transaction no longer exist. I am attaching my original complaint form that I submitted to the XXXX XXXX XXXX XXXX  ( XXXX ) in XX/XX/2021 that has all the details of this event.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX an unknown individual deposited XXXX cents into my account. On that same day XXXX cents was randomly charged to the account without my consent. I tried to call paypal but could not reach them. I changed my password but two days later there was another random charge for XXXX and for XXXX. I contacted paypal and they said that their records show that the requests came from my devices. Paypal 's agreement clearly states " An Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. '' I did not authorize this payment and it did not benefit me. I do not care if a hacker is savvy enough to make it look like it came from my computer or phone and PayPal does not state that is a necessary component of establishing unauthorized transactions. According to Paypal 's own rules it doesn't matter how someone other than me authorized it, it only matters that I did not authorize it.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/10 a check from my husbands account to mine was placed on hold with the reason being they had received notice of a stop payment on the check. After numerous phone calls and days, they were able to confirm it was a mistake on their end and credited the account and apologized. 

On XXXX, the exact same things occurred again. I have reached out to them and have been told there is no time frame for a case manager to address this repeat problem because they are backlogged. 

We have confirmed with my husbands bank that the check was paid and funds were collected. 

Wells Fargo has been completely unwilling to resolve this matter.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit card company ( Capital One ) closed this account as I requested. The company had a data breach in XX/XX/2019 which impacted the services they provided on this account. 

Now I receive a message from the credit card company telling me that a payment is past due on this account and they are expecting payment. 

How can they do this when the account is closed?
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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. (TX)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8300.00} XXXX XXXX XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX XXXX Balance {$17000.00}
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

THIS COMPANY WAS TRANSFERRED OVER TO THEM ON XX/XX/2021. THE MORTGAGE COMPANY HAS BEEN SOLD TO SN SERVICING CORPORTATION AGENTS FOR XXXX XXXX XXXX XXXX AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... I HAD REQUESTED MORTGAGE ASSISTANCE FROM THIS COMPANY I HAVE SUMMITTED ALL OF THE INFORMATION THAT THEY HAVE ASKED FOR INCOME, PROPERTY TAXES, INSURANCE ON PROPERTY, A MONTHLY PRINTOUT DUE TO COVID HARDSHIP IM NOT MAKING THE INCOME I USE TO MAKE ITS BARELY ACCEPTABLE ... THE COMPANY HAD TURNED ME DOWN NOT WILLING TO WORK WITH THE HOMEOWNER THE RATEFOR THE PROPERTY IS OVER XXXX  % WITH A LARGE MONTHLY PAYMENT ... ITS A XXXX LOAN WITH AN ADJUSTABLE RATE ... THIS COMPANY STATED THAT THE XXXX WANT TWO OR MORE PAYMENTS A MONTH FOR XXXX TO XXXX MONTHS WHICH IS NOT AFFORDABLE TO THE HOMEOWNER.. ALSO THEY STATED THAT ITS A XXXX XXXX AND THEY DONT PRECIPATE IN THE GOVERNMENT CHANGES ... I THOUGHT THAT A MORTGAGE COMPANY SUPPOSE TO HELP THE HOMEOWNERS?
Consumer complaint received 2021-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX and XX/XX/XXXX I made payments to my bills with Bank of America. BOA claimed that I had not made the payments and in XXXX they reported me to the Credit Bureaus even though I made more payments on the same debt. They continued reversing the second and third payments on the same debt I was trying to make. I contacted them and a Supervisor said that they were going to take care of the mistake. As a result of they reporting me in XXXX my credit score decreased by over 80 points. They continued reporting me unfairly almost every month since XXXX and my credit score continues decreasing for the same problem. I'm providing proof of payments made, payments that I continued making every month for the same debt which Bank of America continued returning and I can't understand why. At this point I've paid the debt twice and they continue reporting me. This could be detrimental on my credit. Please help.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (AZ)

Today I was contacted by a company called XXXX XXXX XXXX and they told me they were calling over an " upcoming litigation '' being filed against me for an alleged unpaid discover credit card balance from decades ago ( they either said XXXX or XXXX. At that time I would have had my maiden name and that is not what they addressed me as ) for the amount of {$2300.00}. I don't recall ever having a discover credit card and I called Discover customer support and verified that to be true. This company has all of my personal information, including my social security number. The whole experience is rattling and I hope they can be caught and stopped.
Consumer complaint received 2021-05-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX of last year somebody opened up a XXXX account under my name I immediately contacted the bank that issued the account and they canceled it within an hour and a half of it being opened a hard inquiry went on my credit report through Trans Union Trans Union was notified by XXXX XXXX XXXX  that it was a fraudulent account taken out without my knowledge and I was not responsible for it and it was closed and to take off the hard inquiry on my credit report more than a year has gone by and Trans Union still has done nothing to remove the hard inquiry from my credit report
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS has 2 collections listed on my XXXX and XXXX credit report Both listed as opened on Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX Ars Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX I never open an account with either creditor, neither did I gave anyone authorization to open an account on my behalf, nor do I know what each of those places are. 
I had previously requested validation and none was sent, seeing that none was sent I filed a complaint with XXXX on XX/XX/XXXX XXXX CASE # : XXXX seeing that the place kept insisting on saying that the debts where mine even without validation I also filed an FTC case for fraud on XXXX FTC Report Number XXXX. 
The company still claims that the debts are mine when they're are not I want both of these debts to be remove from my credit file as they're not mine and my credit report to be updated.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX XXXX XXXX XXXX