davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

My credit was impacted negatively from American Express reporting to my credit that I was 30-59 days late as my worst payment status from XX/XX/2022 through XX/XX/2022. I communicated to American Express that I was impacted negatively financially due to XXXX and was put on a payment plan but I was not aware that negative credit history was going to be reported on my credit report. This charge card is since paid off and I would like to request that American Express removes the negative late payment history reported from my credit reports all 3 credit bureaus. Thank you!
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (HI)

Crypto.com emailed me a promotion back on XX/XX/2022. I would receive {$25.00} worth of CRO tokens if I direct deposited {$400.00} or more by XX/XX/2022. Per their terms, payout would occur within 21 days of the posted direct deposit. My paycheck posted on XX/XX/XXXX in the amount of {$400.00}. It has been well over 21 days and I still have not received the promotional payout. Please find attached screenshots of my promotional email.
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (WI)

ERC contacted me regarding a debt owed to XXXX credit card by XXXX XXXX. 
The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. XXXX cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. ERC, XXXX, and XXXX XXXX have violated the agreement. 
See attached documents
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

Found a collection on my credit report for {$670.00}. No notification sent to me. This is alleged to relate to a hospital stay at XXXX XXXX. I have XXXX as well as XXXX XXXX at the time XXXX covered my hospital stay and my insurance covered the rest of the bill. This bill should be XXXX. 

I disputed the item snd Medical Data Systems responded it is accurate and IT IS NOT snd should be removed
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (FL)

Disputed reporting of two alleged adverse accounts on my credit report : Commonwealth Financial/Finance and XXXX XXXX. XXXX XXXX is reporting positively and negatively which is a clear violation of consumer rights. Have asked for validation, verification of accounts and have not heard back in over 120 days since the first correspondence. The first correspondence was in XXXX of XXXX, then again in XX/XX/XXXX, and finally in XX/XX/XXXX.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NC)

This company reported a collection item on my credit starting in XX/XX/XXXX! I called this beacon was not aware at all about the collection. They failed to called me or send me proper documentation about the collection. Then I contacted them again after the reported it on my XXXX a week later!
Consumer complaint received 2021-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I have documents from my mortgage servicer stating I have an escrow shortage, and as a result my house payment will be going up to cover the shortage. It appears my beginning escrow balance was changed by the servicer sometime during the last several months. I have documents from Lakeview Loan Servicing dated XXXX with an escrow surplus of {$7400.00} with an actual escrow balance reported for XX/XX/2021 of {$12000.00}. I also spoke to XXXX/Lakeview Loan Servicing on several occasions during these last few months, and inquired about my escrow surplus. I was informed that since I was in forbearance, I could not get the surplus. This amount was confirmed on several occasions by them. I asked for a review of my escrow account since it was now being reported as Lakeview Loan Servicing is providing me an escrow advance. The numbers are all completely different from what was initially reported, and calls to the servicer just reaffirm this incorrect information. The amount of total disbursements for the year are under my actual starting escrow balance of {$12000.00}, so I'm not sure why there was ever an escrow advance in the first place.
Consumer complaint received 2021-07-19
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. (FL)

Ive contact your office along with all three credit bureaus Trans Union, XXXX  and XXXX  about the account named XXXX. On or around XX/XX/2021 it was removed from XXXX  and XXXX  but so some reason Trans Union is still reporting incorrect information which is in direct violation of the 15 USC 1692. Trans Union also keeps contacting me via post card stating person statements about my request to dispute this information which again is direct violation to 15 USC 1692 validating my right to privacy. 

Please have this item removed from credit report and also put them on notice that they are violating my right to privacy by sending post cards stating any of our business for whom ever hands and eyes can see and touch. 

also they are giving me hard removing name and addresses and employers that do not belong to be listed below 1. XXXX XXXX 2. employer ; XXXX  XXXX XXXX 3. employer : self employed
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MO)

I had added around {$55.00} to my Venmo account and shortly after my account had gotten frozen and was told that I needed to wait 180 days to be able to access the money. So well over 180 days passed and I contacted them again. They wouldn't tell me why my account was temporarily frozen and I tried to get them to work with me and let me just take the money out of my account but they ended up telling me I had to wait another 180 days. I've verified my identity over 20 times with them through the process but they still are holding my money from me... I want my money now.
Consumer complaint received 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

In XX/XX/XXXX I refinanced my federal loans with MOHELA into direct loans to obtain forgiveness under XXXX. MOHELA included an application for XXXX in the envelope along with my loan package. I immediately completed the application & returned it ( receipt date was XX/XX/XXXX ). On XX/XX/XXXX I called MOHELA to inquire about the status of my application. The customer service rep asked me to verify my account information then asked if I had received any Pell Grants. I said I received one in the amount of {$450.00}. She immediately advised me to apply for Biden 's student loan forgiveness program. 4 days later MOHELA sent me 3 rejection letters saying I didn't have direct loans. She saw I had direct loans while I was on the phone with her & she still rejected my application. I believe she was steering me into options that did not benefit me but instead benefitted MOHELA based on information she saw within my account & application. MOHELA acknowledges I have qualifying employment & direct loans but they have failed to verify my payment history. I uploaded that information from XXXX XXXX XXXX XXXX & I'm still being rejected. They have not done proper due diligence on my account by looking back & counting my payment history with XXXX XXXX XXXX XXXX. I have been dealing with MOHELA for 7 months & I'm tired of getting the runaround even though I fully qualify. Can you help me?
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MD)

Better.com is advertising 15 year refinance interest rates on XXXX at lower pricing than what they are actually able to offer me as a consumer. I entered in all of my information accurately ( zip code, property value, loan amount, credit score, loan term, occupancy status, property type, etc ) and then when you get redirected to Better.com they are only able to offer worse pricing ( higher interest rate, more points, higher APR ), this is a clear example of bait and switch advertising.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my 2 checking accounts and my 2 savings accounts on XX/XX/2020. They refuse to release my money advising they are investigating where the funds came from. The funds came from a Federal Agency unemployment after I waited 6months to receive this money. They are advising they are investigating when they show an ach deposit of XXXX and are expecting me to prove where the funds came from.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There was fraudulent activity on my account through my XXXX. There was a {$150.00} charge that I reported within 1 days time. Capital One opened a claim, but then denied the claim on XX/XX/22 with no reasons given. Said XXXX charges are not covered when I called in on XX/XX/22 - not covered for fraud or scams.
Consumer complaint received 2018-02-02
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. (MI)

I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to XXXX XXXX. When I turned the vehicle in, the balance was and had always been paid in full, except when XXXX refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to XXXX but they are still reporting a negative account on my 3 Credit Bureau Accounts.
Consumer complaint received 2020-11-02
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

While I was XXXX XXXX XXXX XXXX, I received new orders and was unavailable to take my leased Hyundai vehicle with me. I submitted my orders multiple times to Hyundai and they ended up writing it off as a charge off and now it is being reported as a charge off. I again submitted my orders to all of the credit bureaus and they have not removed the charge off. I have been failed as a service member by Hyundai and XXXX credit bureaus.
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (AL)

The following debit appeared on my Paypal account. I did not authorized this payment and completed the proper form to Paypal to return the debit and credit my account. I was denied. There was no authorization by me to pay this debit. You will note that it was paid and actually took me over my credit limit. I do not know how to get an actual account number from Paypal. I sign into Paypal using my email address which is XXXX. 

XXXX XXXX XXXX, XXXX -negative $ XXXX XXXX, 2021 XXXX XXXX You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with PayPal XXXX {$49.00} XXXX XXXX XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX Invoice ID XXXX Purchase details Premium Premium XXXX - XXXX {$49.00} Total {$49.00}
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I have requested that they send me a verification of the debt and they insist they have and will not send it. Then they threaten me and do not send me the verification of the debt. They threaten lawsuits and get XXXX  with no resolution. I have never received anything but a bill from them.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Enhanced Recovery is currently reporting a false account to my credit file, this account is the result of an XXXX XXXX XXXX. During this breach, my personal information was stolen and used to open accounts against my knowledge. Please see the attached documentation.
Consumer complaint received 2016-04-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIRSTBANK (AZ)

First Bank refused to give back or honor my Promissory Note created in accordance with XXXX, Federal Reserve Act section 13, 31 U.S.Code 5103, 18 U.S.XXXX 8. This dishonor is covered by XXXX XXXX. The Note was supposed to go to XXXX XXXX it was dropped there by mistake.
Consumer complaint received 2020-11-02
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)

XX/XX/2020 - my credit score dropped 115 points because XXXX inadvertently reported me 90 days late due to a mistake on their part. At least two or three XXXX agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies XXXX wasting my time since XXXX was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at XXXX. The account specialist stated he would escalate it. XXXX sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.
Consumer complaint received 2020-12-10
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. (NV)

I sent a Deletion letter, XXXX # XXXX of this accounts settled payment, to TransUnion on XX/XX/2020. TransUnion file # XXXX has not removed this Collection from my credit report at all. Plus the Derogatory status of this account
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

-XX/XX/XXXX, I submitted certification of my employment with a PSLF eligible employer. 
-XXXX XXXX, I was notified by my old loan servicer, XXXX, that my Federal Loans would be transferred to XXXX. I was told the terms and payment. schedules would not change. 
-XX/XX/XXXX and XX/XX/XXXX payments are not auto-drafted from my bank account. The payment schedule has been lost in the transfer. 
-XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXXXXXX ( ID : XXXX ) and I am informed that a review of my PSLF payments can be requested and would require 30 days to receive credit for the missed payments. I also asked to be switched to a PSLF eligible payment plan for which XXXX initiated a 10 year standard repayment plan. 
-XX/XX/XXXX, XXXX ( XXXX ) informs me that the PSLF review will now take 90 days -XXXX, XXXX  ( XXXX ) informs me that the current payment plan recommended by XXXX was not PSLF eligible. He also informs me a PSLF review takes 120 days. I inform him that 120 days has already elapse. He offers no resolution.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TN)

XXXX we closed on a home. The mortgage was sold to NewRez. There was an overpayment in escrow account. This summer I requested an audit. The audit showed that there was over payment. Since XX/XX/XXXX I have been attempting to collect the check for the over payment. Despite numerous phones call with New Rez they have not sent the check to us. Any help in resolving this issue would be appreciated.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I ported 4 cell phones and 1 tablet from XXXX XXXX XXXX to XXXX. I was told that XXXX would pay up to XXXX per line once I switched to XXXX since there were still balances on the " leased '' phones from XXXX XXXX XXXX. At that time, I also ported 2 lines from XXXX to XXXX and as a bonus XXXX said they would send me XXXX per line ported. I only received a XXXX prepaid card for XXXX, I think, not sure what the amount was but it was not much. My last XXXX XXXX XXXX bill was quite high because of the remaining " leased cell phone '' amounts that XXXX was supposed to pay them. When I contacted XXXX, I was told that I was too late. The rep at the XXXX store told me that he would take care of everything, I returned the XXXX XXXX XXXX cell phones to him and my last XXXX XXXX XXXX bill. Now, XXXX XXXX XXXX has sent me to collection for a debt that I do not owed, if XXXX was not going to pay off my balances I could have sold the phones for that amount, or more. They were, at that time, 2 XXXX XXXX XXXX and 2 XXXX XXXX Attached is my documentation with the pertinent dates. Thank you for your help.