davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX  of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that  agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Freedom in the beginning of XXXX and was told that Chase needed more information before they determine their decision. They sent me a letter on XX/XX/2020 yet i did not receive this letter until XX/XX/XXXX. The letter wanted them to confirm my gross annual income by faxing two recent pay stubs to the phone number provided on the letter they sent. It stated " Fax to XXXX ; it's free from any Chase branch ''. It also said in the letter that i had only 14 days, from XX/XX/XXXX, to accomplish this. I went to my local Chase branch in XXXX XXXX California on XX/XX/2020 to fax my two recent pay stubs, I followed their directions and wrote the reference number on my paystubs. I did this within the 14 day period. I then called lending services that day to verify if they received my paystubs. They told me it take 7 business days to process this information. so i called Chase lending services on XX/XX/2020, they notified me that they never received my paystubs, I clarified to them that I followed their directions and went to my local chase bank, i wrote my reference number in clear handwriting and did this before the 14 day period, yet they still claimed to not receive my paystubs. The lending service told me i still had time to fax this information to them. so i went that day, XX/XX/XXXX, to my local chase bank in XXXX XXXX Ca and had them fax my paystubs again including the letter chase has sent me. I then called Chase lending services again to verify if they received my paystubs and again they said they have not received my paystubs, they then told me that i surpassed their 30 day period so my application is now archived and ill have to apply again, I was upset at this because i did my part, I followed the guidelines and directions given to me through this letter. I did it in a timely fashion, and now my application is not valid and they want me to apply again, which will inevitably hurt my credit score and might even mean that i have to start this whole process over. 

XXXX XXXX address and phone number : XXXX XXXX, XXXX, XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-06-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I was notified by Hunter Warfield through a posting of my credit report, on XX/XX/XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX XXXX. I moved from these apartments ( after the lease ended & with 60 day notice ) XX/XX/XXXX.  Upon moving a walk through was done and the last month of rent was paid for market rent, due to management lying stating we did not give them notice ( which we didn't have to because our lease was complete and we were not going to renew ), we paid and moved. A walk through was complete with no incidentals, we cleaned the apartment and it was shampooed before we moved out. Now, XX/XX/XXXX Hunter Warfield posts a collection on my credit report stating we owe {$320.00}. I sent a certified letter ( that was received and signed for on XX/XX/XXXX @ XXXX to front desk/receptionist. I have yet to hear from anyone and I want this removed off of my credit report. It is a false claim from the apartment complex and I will file a lawsuit if I have to.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Regarding : Rushmore Loan Management Services During Covid-19 I lost my job and called to see what the options were in XX/XX/2020. They told me to fill out the form and that someone would call me back within 10 days to discuss my options. 

After not getting a call back, I called them to ask about what would happen. The disrespectful and worthless person ( still a human but worthless because they did not know anything and could not help me because they did not have any information at the time because blah blah blah excuses ) that picked up the phone could not answer my questions. When I asked to speak with a manager they forwarded me to an answering machine and I left my contact info. After not getting any call backs I called them again and got another worthless person that sent me to the voice mail of another manager that was not available. 

Whom can I talk to about my options that does know what they can do and knows about the legislation enough to solve my issues? Or even more simple, who works at Rushmore that is polite and knowledgeable and able to pick up the phone? Customer service is not their strong suit!

Seems that they want to put me on forbearance and ding my credit report with a forbearance note that will hurt my credit In case I need to get a business loan in the future. Also they dont know if my payments will be required to be paid in full on the fourth month or if they will make me refinance or simply tack the payments on to the end. For that I would have to wait until the end of the three months and see if they decide one way or the other. Unfortunately, I need an answer now to plan correctly.

Additionally, the letter that was sent out to me says that my payments are past due, even though my payments are current. The person on
the phone said its just a generic form that was filled out ... and yet, if I sign and agree to it, they can say but you signed it and I would be the one on the hook. Not right!
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I've called the company multiple times and i send my funds to the wrong person cash app it's there company I'm sure they know once you have sent money to an account it automatically accept the funds without anyone accepting well as soon as i send my funds i requested it back i was pending for about 30 days finally this month which is XXXX once the request expired for me to be able to do anything i went in to dispute it and it stated at this point the funds was returned to my account and i don't have the funds cash app saying it wasn't complete so there's nothing to be done I've called asking for manager supervisor no has talked to me or attempt to contact me every one keep telling me i look into it in the future look at the payment before sending is there another transaction to be dealt with either hang up in my ear or the computer from online support i guess speaking so i gets no understanding nobody to explain nothing very rude company and I'm feel it's a legal way to steal people money this the XXXX XXXX dollars that's going missing from my cash app than the last person i talked to told me i wasn't complying to give information i asked to speak to a manager she than hung up stating she cancelling my account
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (MA)

On XX/XX/2021 XXXX XXXX denied me access to my account. The PenFed 's website gave me an error message that I am including in one of the attached files. 

While it is understood that XXXX XXXX system may experience technical difficulties once in a while, it is expected that the company should keep track of the issues, identify the causes of the problems and attempt to resolve them in a timely manner. 

When I reported the problem to PenFed, its representatives denied that their website was not functioning properly and claimed that it was my browser that was having the issues. 

I requested PenFed to provide any evidence that they may have supporting their claim that all my we browsers on all of my devices independently were having problems at the same time.In response PenFed has not provided any evidence and only speculated that the issue was with my browser. 

In response to my complaint PenFed requested that I, in my free time, perform a burdensome task of a Quality Assurance Engineer of gathering technical details of the incident and spent time on the phone with them assisting their employees in identifying their problem and refused to acknowledge that their company website was having the problem.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX XXXX XXXX. Which is untrue.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-16
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. (AR)

I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.
Consumer complaint received 2020-08-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MORGAN STANLEY & CO. LLC (CO)

This complaint is related to, and an extension of, a previous complaint filed against XXXX XXXX ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from XXXX XXXX XXXX XXXX XXXX. XXXX stopped funding the loan prior to construction completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for Morgan Stanley XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX is working in concert with the XXXX fraudsters. It was my contention in the previous complaint that XXXX never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, FV has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and Morgan Stanley XXXX XXXXXXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against Morgan Stanley based on various foreclosure shenanigans. It is believed that XXXX and Morgan Stanley or essentially the same organization. 
XXXX There is likely a prior working relationship between XXXX and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both XXXX and XXXX should be required to turn over all records and communications between the two relative to this transaction.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 2020-04-30
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: Experian Information Solutions Inc. (NC)

I found out that there has been fraudulent activity with my credit. I have been trying to contact Experian to report it. I call the number on the website but non of the menu options lead to a live person. 

I tried the online system but I keep getting caught in a loop where I am asked to input information to verify my identity only to have login information sent to an XXXX address that is not mine. I believe that they have an old or possible fraudulent email address on file. I need to get to a live agent.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is insisting on requiring an in house appraisal inspection. AQll we are doing is trying to convert an existing HELOC into a 30 year fixed rate. All the credit stuff is done and approved. It is all about the appraisal conditions. 

We do not want anyone to come into our home right now and we have offered to take any pictures they want, allow the appraiser to look around outside and look into any windows that they want, plus we would be happy to provide copies of all plans, COs and related document etc., just dont come in. Since they were good with the previous appraisal only about 1.5 years ago when we took out the HELOC we fail to see why we need to risk our health, and maybe our lives to accomplish this, again? 

TD Bank is being unreasonable and unresponsive. We have been long time customers of TD Bank dating back to when they took over the local XXXX XXXX  ; so at least since before 2007. They already took the money for this appraisal! TD Bank is dragging their feet on getting me a response, too. We would just go to another loan service and start again but they have me over a barrel. I cant close this HELOC for about another year under their terms.
Consumer complaint received 2021-03-01
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. (MO)

The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (WI)

On Equifax XXXX they have a address that I once lived at my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I have never ever live there. Can someone help to get that removed from my credit reports?
Consumer complaint received 2020-07-16
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 was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 XXXXXXXX
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My FHA Mortgage loan was originated in XX/XX/XXXX. At that time MIP  was added to the loan prior to the permanent changes to MIP  which went into effect XX/XX/XXXX, per HUD Mortgagee Letter XXXX. I have made numerous attempts to have Lakeview Loan Servicing , LLC remove the MIP since the LTV is below 78 %, the loan is over 5 years old and all payments have been made on time. They told me I need to refinance the mortgage and that is incorrect and needs to be removed immediately. 

According to HUD FHA guidelines MIP must be removed if you meet the following criteria if you Applied between XX/XX/XXXX and XX/XX/XXXX : 1 ) Youve maintained a good payment history without any 30-day late payments for the past 12 months. 
2 ) When you reach 78 % loan-to-value ( LTV ) based on the original value of your home.

3 ) You have paid MIP for at least 5 years since originating your current first mortgage Their contact information is : For Notices of Error and Information Requests Lakeview Loan Servicing ATTN : Mortgage resolution P.O. Box XXXX Virginia XXXX, Virginia XXXX XXXX Loan Number : # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, MD XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One : Made a purchase of 1x item. 
Vendor charged me 8x. 
Filed a dispute of charges which was honored. 
1 week later reinstated. 
Called over a dozen times to no avail. 
Sent proof of purchase to no avail. 
Told by rep that proof of purchase from the vendor was never submitted. 
Paid for my 1x purchase and cancelled my card in XX/XX/2022. 
Even though I did not received my 1x purchase. 
6 months later, started receiving the fraudulent charges with interest. 
Unacceptable!
Consumer complaint received 2020-04-30
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. (CA)

I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on my credit report.