davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
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: CAINE & WEINER COMPANY, INC. (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2020-11-21
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: Riverwalk Financial Corporation (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (GA)

A debt collector has violated my HIPPA rights. The company has bee reporting negatively on my XXXX XXXX and XXXX. I have contacted XXXX XXXX  and XXXX  by letter and certified mail beginning XX/XX/2020, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX and each month thereafter. I have also contacted the hospital and debt collector in which the company has sent me a contract, detailed with my personal information and what medical reason I was been treated for. I have communications regarding certified letters and dates the companies and bureaus and i were in communication.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Someone tried to open a Capital One card in my name and it was flagged on my credit report. I contacted Capital One about this issue and they said they were sending a letter to the all three credit bureaus to have this deleted as soon as possible! This has now been 4 months since this incident and nothing has changed. This is my last time addressing this issue and I will be suing in the amount of XXXX. My attorney will be contacting you shortly.
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I called XXXX XXXX to request a downgrade of my XXXX  XXXX XX/XX/XXXX card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the XX/XX/XXXX card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from XXXX XXXX stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe XXXX XXXX anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with XXXX XXXX bank tellers and two Case Specialist in the XXXX XXXX XXXX Complaints Management Office, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, XXXX XXXX continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with Experian and Experian said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My mortgage servicer was recently changed to XXXX ( specialized loan servicing llc ) mortgage servicing. They acquired my mortgage from XXXX XXXX in XXXX. I have a conventional loan with a loan to value ratio of more than XXXX percent. This means that I do not need an escrow account at all and I signed the closing documents showing this. 

Back in XXXX of XXXX I purchased a flood insurance policy as requested by XXXX XXXX and gave them the proof of food insurance. I purchased a policy starting in XXXX and ending in XXXX. Specialized loan service was faxed a copy and verified they do have it on file. They still increased my fixed mortgage payment, ( which was XXXX XXXX & increased it to XXXX. They created a escrow account and are now charging me as if I dont have flood insurance. Ive attempted over 4 times to speak with them over the phone but they hang up on me or leave on hold for several hours. I feel this is illegal especially since I have proof of my paid off flood insurance policy and paperwork showing I would not have an escrow account when created the loan. I am requesting a full internal review of this company who seem to prey their customers. 

XXXX refuses to work with me or help me with this issue. They can not force escrow upon me for a service I already have! I already have flood insurance active since XXXX XXXX! This is before they were servicing my loan!!
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (LA)

Experian shows I have a public record XXXX  XXXX bankruptcy I disputed this several times telling them it is not mine they wont do anything they say they verified it I asked how and they told me with the court system I keep telling them then they wont put my name right on the report
Consumer complaint received 2020-11-21
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: STERLING JEWELERS, INC. (TX)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2020-06-02
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. (MI)

I have sent Transunion copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I am filing this complaint on behalf of myself. On XX/XX/2021 I sent a certified letter requesting that I be provided with documents validating this alleged debt. It has been well over 60 days and they have failed to respond which is in complete violation of my Consumer rights.
Consumer complaint received 2017-12-19
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. (NJ)

I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I was severely financially impacted by Covid 19. I lost jobs 2 times during the pandemic, and most recently on XX/XX/XXXX I lost a 2nd job. 
My mortgage on my house is due to foreclose in 1 month. 
My entire life savings has been put into the house and now I May loose all of it. 
For most Americans out hime are our biggest investment. 
There is no way I can start paying a loan back in full this month. 
The loan company failed to send a deferral letter during the entire Covid pandemic and they just sent one XXXX XXXXsaying it was to be signed on XX/XX/XXXX. 
The letter says I have 30 days till XX/XX/XXXX to sign. How can this happen? Mortgage company SPS ( select portfolio servicing ) Sends a letter that was suppose to be sent months ago but they send it 1 day before its due for signing. Which I am not signing. 
Point is also they wont let me have contact with the loan holder to ask to refinance, the current 6.7 % interest rate on my home. When all the new loans for new homes are at XXXX or 3 %. If they would adjust my interest rate to 3 % my house would be affordable. 
But they refuse saying they dont refinance in forebearance. 
Well shouldnt that be an exception, an exception because we are in extraordinary times during a pandemic. 
Wouldnt it make sense to help the homeowner refinance and be able to pay off the mortgage and stay in the home? 
I dont understand why banks would not want people to be able to reduce their interest rate to stay in the house. 

This pandemic is far from over, new variants, new strains will continue to develop until we find a way to beat this thing. 
Economy will shut down firm again in winter when we are all indoors again. 
In the northeast its bitterly cold in winter where will we go to be warm, to take care of aging parents and children on the street? 
In the meantime millions of families, elderly, poor and XXXX will be thrown out of homes. If this county thinks homeless population is high just way for XX/XX/XXXXwhen the foreclosures skyrocket and the only ones who will profit will be the real estate agents and large companies and banks who resell the house for double profit than originally bought. Because theres a housing shortage and these people know they can get maximum dollar in the foreclosure of the home. 
Its pathetic and just what happened in XXXX. Has corporate America not learned anything, has the US government not learned anything? 
Please please help Americans stay in their homes and not be homeless in massive tent cities across America.
Consumer complaint received 2020-11-21
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: Westlake Services, LLC (TX)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (MA)

I have been leveraging Xoom ( https : //www.xoom.com ) a XXXX service to transfer money from the US to my XXXX Bank account. The service has been working fine for years but for the last four transactions, Xoom has canceled my transactions inappropriately without proper explanation and has not refunded me the amounts below. 

{$1000.00} {$3200.00} {$6400.00} {$6500.00}
Consumer complaint received 2021-03-26
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: Neon Newco Corporation (CO)

I have been able to deposit money on my card, and so has another party which I have done work for. My account is locked and nobody at the call center has helped me, even after having tried multiple times to get this resolved.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (PA)

I requested a debt validation on XX/XX/XXXX on a credit account by the name of XXXX ( XXXX XXXX XXXX ) with a balance of {$9900.00}. At the time this account was showing as closed with a last payment date of XX/XX/XXXX. A completed investigation was produced on on XX/XX/XXXX stating the account would be deleted as it was unverifiable. In XXXX of XXXX, this account was added back to all XXXX of my credit bureaus as an open account beginning XXXX of XXXX. The balance had increased to {$18000.00}, and has been reporting as an open account with a delinquent account status since XXXX of XXXX since then i completed multiple disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX requesting the the documentation including the original contract including all account billing history to prove this was my account and to validate the balance. i have still received nothing and my credit has suffered tremendously because of this account and has prevented me from financial growth.
Consumer complaint received 2020-11-21
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: NAVY FEDERAL CREDIT UNION (TX)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2023-03-29
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. (MD)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
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. (WA)

Last year I discovered a false account with US DEPT ED and US DOEXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do not have concrete dates as write this down for you. But I had money mysteriously disappear and re-appear on my account but actual refund was ever applied to my account after the funds went missing. Not that I could tell.
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: EQUIFAX, INC. (PA)

I requested a debt validation on XX/XX/XXXX on a credit account by the name of XXXX ( XXXX XXXX XXXX ) with a balance of {$9900.00}. At the time this account was showing as closed with a last payment date of XX/XX/XXXX. A completed investigation was produced on on XX/XX/XXXX stating the account would be deleted as it was unverifiable. In XXXX of XXXX, this account was added back to all XXXX of my credit bureaus as an open account beginning XXXX of XXXX. The balance had increased to {$18000.00}, and has been reporting as an open account with a delinquent account status since XXXX of XXXX since then i completed multiple disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX requesting the the documentation including the original contract including all account billing history to prove this was my account and to validate the balance. i have still received nothing and my credit has suffered tremendously because of this account and has prevented me from financial growth.
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (AR)

On XX/XX/2020, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (MD)

Every month when I try to log in to the Service Finance Company LLC website, the website doesnt recognize my username and password. I wrote down both when I set up my account, so I am sure that they are correct. I also regularly engage in online banking and transactions and understand how to use the Internet. The mobile app for XXXX is equally bad. This website consistently rejects my valid username and password. As a result, my payments have been recorded late on multiple occasions. To avoid this issue, I tried to set up auto pay, but you can not set up auto pay if your account is late. The website and rules are set up in a very anti-consumer fashion, making it confusing and difficult to make payments. Please update this website and app to make payments more user friendly and feasible.