davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC. (MS)

I contacted XXXX XXXX approximately a XXXX XXXX XXXX XXXX  ago, and spoke to an agent ( XXXX ) about the process by which i could let my soon-to-be ex-wife assume the Mortgage on our home upon completion of our divorce process. The agent assured me that since my wife was on the loan application with me, but not the loan itself, that XXXX XXXX would be happy to transfer the loan and all financial liability for the loan to my wife upon receipt of a divorce decree. 

I called back approximately a XXXX  later to confirm the details of my conversation with XXXX XXXX, and they informed me that my wife would not be able to assume the property without refinancing at a much higher rate. I asked why this would be, since the St. Germaine clause of 1982 would allow for such a transfer. XXXX XXXX informed me that this was due to restrictions placed upon the mortgage by the investor I authorized my wife to speak to XXXX XXXX regarding the loan, and they told her that it could not be transferred to her due to the fact that it was a USDA loan. 

I spoke to the originating agent who worked for XXXX XXXX  at the time, and now works for a large bank as the head of Overwriting. He said that he could not find anything in the paperwork that indicated that we would not be able to transfer the property in the event of a divorce.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

On XXXX I received a certified letter from XXXX XXXX XXXX XXXX saying that my loan had been purchased back in XXXX of this year unknowing to me by Fay Servicing LLC. My mortgage was set up on Auto pay from my bank so I was thinking my loan was being paid. I had no idea that this company bought my loan because I have not received and letters or notices from them to start paying them. So now they are threatening to foreclose if I dont pay {$4800.00}. There is only {$3200.00} owed which I have no Problem paying. The rest is extra interest and late fees they are adding that I dont feel that I should pay because I was never notified until I received this certified letter on XXXX
Consumer complaint received 2020-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

Ability Recovery Services continuously keeps reporting derogatory collection accounts as new accounts to the credit bureaus. I have had these accounts disputed and deleted, but ARS continues to attach this debt to my credit report as if it is a new account. I have no idea what these accounts are. I have requested original documentation showing the dates and the representative is very rude and hangs up on me. These accounts do not belong to me and I want them deleted once and for all.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me in getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX on XX/XX/18 shows on Inquiries on my credit report in which I did not request any new credit or credit increases or ask for any thing from XXXX XXXX
Consumer complaint received 2021-02-02
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. (CA)

Repeatedly contacted company through mail, phone calls, certified letters with zero progress. Even contacted their executive office which assured it would be expediently rectified and never has been. 

The attached inquiries were invalid and occurred as a glitch in creditor system creditor took accountability and has now sent both Equifax and I removal request 11 times since XXXX of 2020 with zero action on Equifaxs part. 

Additionally Equifax removed account with XXXX and XXXX XXXX were provided everything to have readded and they stated please allow 30 days for those accounts to be readded it has been 4 months. They continue to report error with XXXX  XXXX XXXX  despite constant proof XXXX XXXX XXXX never late
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I received this letter from US Bank around 15 days ago, that they did not credit me the interest and fee adjustment on my fraud claim and with 7-10 days I will receive a check. its been 15 days, I haven't received any check. I should be getting it as soon as possible as mentioned in the letter.
Consumer complaint received 2019-08-26
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. (IL)

I disputed two fraudulent accounts reporting on my credit report : XXXX XXXX ( {$8000.00} balance ) and XXXX XXXX ( XXXX balance ). After my XX/XX/2019 dispute, the XXXX XXXX account was blocked from my credit report. Soon afterward, XXXX XXXX changed the account number and reinserted the fraudulent account back onto my credit report. This reinserted account had all the same account details as the previously deleted fraudulent account, just a different account number. In XXXX, 2019 I disputed the reinserted account and once again Experian deleted the fraudulent account. However once again, not too soon afterwards XXXX XXXX changed the account number and reinserted the same account back to my credit report for the third time. Each of these times I was never notified by Experian that they would be reinserting a previously deleted account to my report pursuant to section 623 of FCRA. 

Moreover, I disputed a fraudulent XXXX XXXX card. XX/XX/XXXX, 2019the results came back that the card was " verified '' but all the inquiries were deleted. How is it that the XXXX XXXX card is " verified '' but the inquiries are fraudulent and deleted? That makes absolutely no sense at all and seems to be Experian being willfully noncompliant and negligent. 

I reached out to Experian 's corporate office via email and received a phone call from XXXX XXXX on XX/XX/2019 at ( XXXX ) XXXX. He left me a voicemail stating I need to submit a FTC affidavit and this information will be blocked. Attached is everything pursuant to 605B for a permanent block, please do so. If this matter is not settled I will be reaching out to the attorney generals in both our states and a civil attorney to begin legal action.
Consumer complaint received 2019-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police XXXX.Someone has been using my name for accounts and credit cards.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CASHCALL, INC. (CA)

CASHCALL INC.IS APPEARING WRONGFULLY ON MY XXXX  AND XXXX CREDIT BUREAU REPORTS. 
IT IS ACCOUNT NUMBER XXXXCASHCALL IS A NOW DEFUNCT PREDATORY LENDER.I WAS PREYED UPON BY THIS LENDER UNKNOWINGLY TAKING OUT A APPROXIMATE 100 PER CENT APR LOAN.AT THE TIME I HAD SUFFERED XXXX STROKES IN EARLY MIDDLE AGE EVEN THOUGH EARLIER I HAD BEEN A PROFESSIONAL TENNIS PLAYER.CASHCALL VIOLATED A COURT INJUNCTION THAT WAS PERMANENT ( ATTACHED ) FORBIDDING THE ISSUING OF A LOAN WHERE THE INTEREST RATE WAS NOT CLEARLY EXPLAINED AND FOLLOWED UP WITH A EXPOLANATORY PHONE CALL WITHIN 72 HOURS OF LOAN ISSUE.THIS WAS NOT DONE IN MY CASE.

IN ADDITION THE CA SUPREME COURT ADDRESSED MY TYPE OF LOAN AS UNCONSCIONABLE AND THE FACT THAT THE LOAN WOULD BE INVALIDATED WITH OTHER PREDATORY ILLEGAL BEHAVIOR. 
CASHCALL ENJOYS DESTROYING OTHER PEOPLES LIVES AS THEY ARE DOING AND HAVE DONE TO ME.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IN)

I contacted Chase Bank on XX/XX/19 and asked the representative for the total pay off amount of the account ending in XXXX. She told me that the total pay off amount would be XXXX. 
I verified with her three times that this was the entire amount owed and I told her each time I wanted the know the amount to pay the card in full and down to an absolute XXXX balance. She verified all three times this was the amount owed. 
I paid the XXXX via a direct withdrawal from my personal bank account. Today I received a bill showing the XXXX payment and demanding an additional XXXX. 
I called Chase immediately and told them that they needed to pull the recorded phone call because I had been misled by their representative. The customer service manager, XXXX, verified that he could see the notes and this was true but refused to help in any way. I advised him that I did not feel that I was responsible for the remaining charges due to the fact that the previous representative had assured me three times I was paying the balance in full with the payment of XXXX. I was lied to by Chase bank in order for them to continue profiting off of this account via high interest rates. I tried to pay the balance in full, paid what I was told was the appropriate amount and then still received a high bill afterwards.
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request Cavalry Portfolio Services , LLC ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( XXXX  XXXX ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE ( XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like Cavalry Portfolio from using deceptive, false, or misleading representations in the course of  collecting a debt.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (MO)

On XX/XX/XXXX I contacted the company with the VA to notify them that this is a billing issue. I am 100 % service connected XXXX with the Army and the VA would pay this bill is the bill were submitted properly thru the VA. This company has been persistent, has harassed my family, ruined my credit report and never notified me they would proceed forward with issuing this debt that I do not owe on my credit report. The patient advocate XXXX at the VA has repeatedly given this company protocol for getting this debt paid by the VA. They told her they would remove this from my credit report but have instead persisted with destroying my credit because their client improperly billed. There were several venues for payment including XXXX before sending this debt to collections.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (GA)

I applied for a business loan to expand my business. To my knowledge all the only account I had was a student loan account which was forgiven. Every time I go to take out a loan to build my credit I am denied. I was told by potential loan officers that the reasons for the denial are Derogatory information obtained from a credit report agency such as XXXX major credit bureaus ( XXXX. Experian and XXXX ). This kind of derogatory information are hindering my business mobility.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the inaccuracies.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (GA)

On XX/XX/2020, I noticed that unauthorized transactions totaling {$5600.00} from my BankMobile Checking Account. The notes on the transactions said the merchant name was " XXXX XXXX XXXX. '' I tried to login to my XXXX account but it would not let me. I will attach a screenshot of what it looked like. It closed my account due to suspicious activity. The hacker changed my primary email on the account. It will not let me login and I have emailed XXXX several times since XX/XX/2020 but have gotten no help. I will also attach the response from the email from XXXX. Their ID/security automation has not worked since XX/XX/2020 so I have still not been able to access my account. It is also my business account. I run an online business, and I have not had access to my business for over 2 weeks now. I disputed the transactions through each of my banks. XXXX XXXX notified me of a fraud alert so the transaction never went through. XXXX XXXX XXXX XXXX only approved one payment but marked the next transaction as a fraud alert for suspicious activity and have refunded the money. BankMobile allowed 5 transactions with a total of {$5600.00} to be completed without notifying me via text, call, or email. That amount is double of what I can spend on a daily basis so I am not sure why these transactions were allowed or why I was not notified. After 10 business days, I was notified by Bank Mobile that my claims were denied. There is no option to appeal. When I called, they said the claims were denied because the merchant is responsible ; however, I have zero way of contacting the merchant as I still can not access the account. The bank should have notified me after the second large transactions so I could have frozen my account. I send them an FTC report for Identity Theft. I have contacted the XXXX XXXX XXXX FDIC, attorney general, my personal attorney, and a Consumer Fraud Legal Attorney as well. These transactions overdrew my account. They sent actual payments back that I did authorize so now I have to pay multiple fees for the payments being sent back. These unauthorized transactions cleared my account which is affecting my personal life and business. I have no way of contacting the merchant or anyone at this bank that will speak to me regarding this dispute. I will attach BankMobile 's response to the claim. The only thing they could tell me was to contact the merchant even after knowing I do not have access to the merchant. My personal attorney 's email is XXXX and my Consumer Fraud Lawyer 's email is XXXX.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NY)

I've tried logging into my Upstart account, when I get in I click on " View Your Account '' I keep getting an error message ( attached ). I've tried XXXX, XXXX XXXX XXXX. I've also tried different networks. As a result, I've been unable to make a payment to my account online.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Kenosian & Miele, LLP (CA)

I have been trying to get a very old debt settled for years and every time I attempt to start to pay they levy an account of mine. The last time was in XX/XX/XXXX, my account was levied and I never received notice so I was never able to contact them, they just did it. This account was dated back in XX/XX/XXXX and Then this levy pops up.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (WI)

Per XXXX  website states im 30 days or more pass due of {$330.00} owed to regional acceptance ( car loan company ) I called regional acceptance today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing WaiveInt ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!
Consumer complaint received 2019-11-15
Product: Credit card or 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. (TX)

I received a Vanilla VISA gift card ( issued by The XXXX Bank ) in XX/XX/2018 and the card is invalid when we tried to use it and tried checking the balance at the Vanilla Gift website and the phone number provided. I was not able to reach a person via the phone number. The gift card is valued at {$200.00}.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX keep putting information on XXXX, Transunion and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
Consumer complaint received 2021-06-07
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. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX