davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (SC)

To whom it may concern, We have repeatedly contacted Veterans United home loans for a solution to get back on track. After ending our forebearance because of covid I Called in XXXX of XXXX for a payment plan, was told it was approved by Miss XXXX then never heard back from them about the amount of the payments the terms and when it was to be started. Called 2 weeks later, was told by another representative that it hadnt been approved, that we should do another month of forebearance and call back at the end of XXXX and request a deferral to the end of the loan. Called again and the representative stated only homes that were rentals qualified and that we qualified for a no doc option to finance the late payments and would be caught up, she supposedly submitted that option and said we needed to call back in a week or so to check. Called again and was told we were still waiting and to call back in a week or so, called back spoke to a representative named XXXX who stated the paperwork hadnt been submitted and that it was veterans Uniteds fault and now we needed to apply for a loan modification. After calling back yet again, we spoke to a miss XXXX who said we need to submit a hardship form and paystubs, she assured us that it would be ok. I called again and spoke to a miss XXXX who said we hadnt submitted documents needed and she submitted the no documentation loan modification as of today, she advised me to resubmit all the docs requested for the loan modification with our loan number to XXXX which I have now done twice. I was also told that back in XXXX a payment plan was approved but we couldnt use that option because we hadnt paid.again referring back to me calling in but never received any payment information-amount or when or termshow are we supposed to pay something we were never informed about. We beg you to please investigate this issue and allow us to have a repayment plan that we know the payment amount and dates, or deferral to the end of the loan, or an approval for the no documentation loan modification. We are desperate and the ball was dropped by veterans United home loans. We want to keep our home, we have the means to start paying but this mess has prevented it from happening.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Hello! 

On XX/XX/2020, I had received a payment via XXXX for some online marketing I would do for some friends that I had met online. There were two payments on the same day from " XXXX XXXX '' for {$100.00} and {$100.00} which I have included screenshots of. Two days later on XX/XX/2020, I had received notice that " XXXX XXXX '' had reported these charges to his bank account as fraud in an attempt to get his money back after the online marketing I had offered was already delivered. People often do this in order to get their service/product along with their money back in the online world. Along with this my accounts were restricted and could not be used until the investigation was complete. After days of calling on XX/XX/2020, I was able to get a partial amount of my bank funds with them transferring {$4600.00} to my savings account and closing the account resulting in me receiving a check in the mail later that week. On XX/XX/2020, after days of contacting Capital One and doing my best to work with them and prove my case, the verdict was decided that " XXXX XXXX '' would get his refund for the payments he had sent. This is not the issue, after I was notified of the refund, I was also told that my bank account will indefinitely be frozen and they would not release the funds to me under any circumstance. However, I had exhausted all of my efforts in order to retrieve the rest of my bank funds but was now being told that they couldn't give me anymore information on the situation and that due to " suspicious activity '' they wouldn't be releasing the money. The bank account is still open and I receive bank statements and monthly interest on the money in the account. They had told me that after a certain amount of time if the bank account remains inactive it will be closed and they will be keeping the funds for themselves. This seemed very odd to me and caused me to believe this was not legal nor ethical. There is still {$9200.00} in the account that I would like to recover as it rightfully belongs to me. I do not believe that Capital One has the right to hold all of my money until they will inevitably be able to keep it due to a {$200.00} refund.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SD)

The problem I am having, is I pay every month but my balance and monthly payments aren't going down. These are student private loans, and because of their % rates & late fees, i'm not going to get these paid off. There should be better practices with these high interest rates and late fees, especially when you are making my monthly payments. 
Here is an example of the interest rates, late fees, and the monthly payments I've made in the last two years. Navient has too many hidden rates and fees.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX  and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPTEDXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a new checking and savings account with Citi as part of the sign on bonus promotion for {$400.00}. I have never had an account with them before. I signed up around XX/XX/18 when the promotion is active and fulfilled the criteria of depositing {$15000.00} to the bank. I verified with the phone rep twice in XXXX and XXXX and both times confirmed that I successfully sign up for the promotion and that it will be credited to me in a few months. I called today again because I should have received the bonus in my account by now but has not. The phone rep today said I don't qualify now after keeping my money for 4 months because my account was not set up correctly. I felt like this promotion is a scheme to keep my money for as long as they can and coming up with an excuse to not keep their promise. The rep confirmed that a lot of people felt the same frustration.
Consumer complaint received 2022-09-15
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. (FL)

On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on my credit report that were not mine, the following frivolous accounts are not mine and I need it to be remove from my EQUIFAX file. I am trying to reach out the CFPB now because, out of nowhere on my updated credit report, the collection name XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) ", came up. I really need them to be remove from my report, the mentioned accounts was never mine and I never opened, I am not the debtor of these accounts.
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (NV)

I opened up a spend account with Credit Karma. They denied several debit transactions that I attempted to make at XXXX. They advised me to make ACH transactions. I did. All of which they rejected, 3 days later. I incurred a return fee at XXXX and while I did receive my money back for two transactions. I have not received my funds back for the {$39.00} transaction. I made this transaction on XX/XX/2021. I have provided Credit Karma proof that they didnt release the funds to XXXX. My payment was rejected, I had to make a second payment, all of which I provided proof of. It is now 9 days later, 13 emails and 3 phone calls later. They will not provide me with the refund of {$39.00}. They continue to tell me that they will escalate my claim, this never happens. They then state that if the problem resolves itself, that I should let them know. I withdrew my remaining funds and intend to cancel this cardas soon as I receive my refund. I am simply asking for what is mine. They did not pay the merchant. They have not reimbursed me. This is theft. Thank you.
Consumer complaint received 2019-08-09
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. (HI)

The following accounts are not my responsibility..I never purchased anything nor was I notified about this error.. The accounts just appeared on my credit report..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first.Either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Texas Guaranteed (TX)

I first contacted Trellis on XX/XX/XXXX disputing the first date of delinquency. I asked for proof of payment history to back up the date. All I received was a loan summary with ZERO payment history that they sent XX/XX/XXXX. I was told via email that XX/XX/XXXX was the date of delinquency was given by XXXX but there is ZERO paperwork of them getting this date. If there is, it wasn't sent to me as requested. This company is in violation of 623 ( a ) ( 5 ) ( A ) ( ii ) as they didn't follow reasonable procedures to obtain the original date of delinquency since the original creditor did not list it on my credit report. ALSO, once I disputed the information, they violated the FCRA by not conducting a reasonable  investigation. I did a reasonable investigation and obtained payment history from the original creditor that is listed. The original date of delinquency is XXXX of XXXX. All of this is backed by email correspondence. That was the date I fell behind and my account was NEVER current from that point. I have payment history, they don't. There is NOTHING to back up THEIR date This company has CLEARLY violated the FCRA and I want these accounts IMMEDIATELY removed from XXXX, XXXX and XXXX. I'm confident that now that I've pointed out this issue and completed THEIR investigation for them, which all I did was make a phone call to the original creditor, that I will have the desired outcome I asked for.
Consumer complaint received 2020-05-27
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: SYNCHRONY FINANCIAL (NY)

I have an inquiry from PayPal credit services but I never applied for PayPal credit ... I have a PayPal account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to XXXX  because XXXX does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : XXXX
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CO)

All of my accounts were closed due to a mistake that Chase made. I received 0 email, phone, text, or message center notifications that my cards were about to be closed. When I tried to reinstate the cards I was told that I needed to go to my nearest branch to fill out a form. I drove 5 hours round trip to fill out my XXXX and they then told me there was still nothing they could do. I now have no way to pay for anything and I lost my credit card bonus. I was told to wait 30 days and then apply for a new card. I have put 11 hours into resolving the situation so far and I have made absolutely no progress towards a solution.
Consumer complaint received 2021-04-01
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: Experian Information Solutions Inc. (FL)

I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!
Consumer complaint received 2023-01-12
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

I rented an apartment with XXXX XXXX for me and my two sons. Unfortunately I had to break the lease to go into the hospital for a XXXX condition. I was experiencing XXXX XXXX weekly. My medical condition was highly public and I have even been on the news for my XXXX condition. I made the leasing office fully aware that I was going into the hospital long term, and would not be able to continue leasing the apartment. They are now charging me with rent for the remainder of my lease, for months I didn't even love there, as well as tacking on trumped up charges for damages, when there WERE NO DAMAGES to that apartment made by me. The apartment was left in the same condition we found it in. Now I have over {$3000.00} worth of debt on my credit for this apartment. This is highly unfair, I can not control my health. This company is simply going after me for the money without any compassion. I have been completely absolved of my federal student loans because of my XXXX, but these leasing agency refuses to let the balance go, or at least lower it some and work out a settlement offer.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian took all my privacy act information and credit card information online before informing me that they could not process my request for a credit freeze. 
Tried to call but no option to reach a human being. Tried the automated option over phone and once again entered my credit card information only to be told again they could not process my request.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!
Consumer complaint received 2019-11-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (NV)

Hello our margate company just got our loan 3 months ago and they are saying we owe then XXXX XXXX plus XXXX XXXX and the arragenal loan was XXXX XXXX 11 years ago we need some1 help us
Consumer complaint received 2017-09-15
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: JPMORGAN CHASE & CO. (TX)

I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 

I tried to upload pdf of police report but was unable to file being over 10mb. I have uploaded page 3 of report.
Consumer complaint received 2019-11-09
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: DISCOVER BANK (NC)

XX/XX/2019 Credit card was manually entered by a merchant that I did not do business with. The company forged documents and submitted those documents in the dispute case to my credit card company. The evidence provided by the company is clearly forged and no information providing my name on those documents or signatures from me. The dispute has been ruled in the merchant 's favor as of now. This was a fraudulent transaction. Please assist.