davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

I am the owner and landlord of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I currently have tenants in the property. Due to Corona Virus, they are not paying the rent. I have been unable to afford to pay the private mortgage on the property. I was recently unemployed due to Corona Virus. I have found another job. I now have the ability to pay the mortgage, however BSI Mortgage Company is unwilling to provide a forbearance or bring my loan up to date. The tenants were impacted by Corona Virus and not paying the rent. I could not afford to pay the mortgage due to this hardship. The tenants tried unsuccessfully to get a mortgage. 

I would like to bring the loan current and continue to make payments. The Corona Virus epidemic is hitting the entire country hard. In this case, both the tenants and myself ( the owner ) have been greatly impacted by this epidemic. 

The mortgage company is BSI Mortgage Co. Their contact information is XXXX. BSI has been unwilling to fully understand the full gravity of the situation. They've been patient but have now put me in foreclosure. I do not want to lose this house. Please Help! I thank you for your efforts and consideration.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX {$74.00}
Consumer complaint received 2022-03-11
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. (ID)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-04
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 — 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 48 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. I've sent letters asking for addresses to be removed, inaccurate late payments to be updated correctly, misleading information to be removed, original contracts to be verified by creditors that I DO NOT OWE! 
I have attached a copy of my ID, Proof of address and a copy of what was sent to all three credit bureaus!
Consumer complaint received 2017-07-03
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)

Re : XXXX account XXXX To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Consumer complaint received 2024-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MI)

I recently recieved three separate notices with three different account numbers and a name I do not use with the U.S. Department of Veterans Affairs from the CBE Group XXXX requesting {$43.00}. I do not owe this debt and disputed it last year. I have a debt with the VA for which I pay no less than {$20.00} per month with no complaints. I want these fishing expeditions by CBE Group to stop.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

I contacted XXXX XXXX On XX/XX/XXXX after seeing an outstanding balance on my credit report. After paying in full I was told that the item would be deleted. It still appears on my report today and I have requested multiple times that it be removed as soon as possible.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The issue is with unwanted Credit Card Solicitations from Capital One. 

My name has been 'opted out ' of receiving Credit Card Solicitations with the credit bureaus for several years. 

I have repeatedly received Solicitations for a " XXXX XXXX '' credit card over the past several months. 

I checked to verify that I was still blocked from getting Credit Card Solicitations with the bureaus, and that block is still in place. 

I called Capital One to inform them that they are sending solicitations to people who have 'opted out ' of getting them. 

The clerk on the phone wanted to take all of my personal information before they would contact a manager to let them know that they were getting a complaint regarding solicitations being sent inappropriately. 
The point here is -- If I am getting them and should n't be, so are others. My specific information should not be needed, in order to report a Marketing process error to the manager for further investigation. 

Why would I voluntarily give them my personal information, thereby bypassing the need to check to see if it is acceptable to send me solicitations? If I give them my information voluntarily, that establishes a 'business relationship ' and they can send my any kind of junk. 

CAPITAL ONE : check your Marketing process! Where are you getting your solicitation list from??? And STOP DOING THAT!
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I previously lived at XXXX XXXX in XXXX, which is owned by XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) Their Corporate Office is located at this address. 

I lived with them and paid rent every month on time or early. On my last month with them I was to move out by XX/XX/XXXX. I contacted their resident service office on XX/XX/XXXX to find out what the pro-rated amount was so that I could pay them for my last month and they said they would let me know that same day. 

They purposely did not tell me the amount that was pro-rated and the amount I needed to pay so that they could add on a late fee and gouge me because I was leaving their apartment community for a better one that they did not own. 

Once I was notified on XX/XX/XXXX of the pro-rated amount and the late fee, I told them that was not fair as I had been in contact with their rep and said he would contact me with the pro-rated bill but he never did until The payment was considered late. 

I refused to pay their late fee but paid them the Pro-rated amount that was due and moved out. Later they sent me to collections for {$150.00} late fee that is erroneous. The collection company has already severely damaged by perfect credit. I disputed the charge but it is still on my credit and I want it removed.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.
Consumer complaint received 2017-10-07
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. (NY)

After the Equifax hack announcement, I applied to their Trusted ID credit monitoring program. According to the best of my knowledge and according to them, I was successfully registered with the program. However, at the time I registered, Trusted ID did not provide me with the means to register a password, nor have they subsequently provided me with a means to register a password, nor have they provided me with a password. Consequently, I have not been able to access and view my account. I have called the company and e-mailed the company to inform them of this problem. To this date they have not responded with a positive solution : I am still frozen out of my account. When you call or e-mail the company, they and their representatives just give you the runaround.
Consumer complaint received 2018-03-24
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: UNITED BANKSHARES, INC. (PA)

This complaint is against United Bank. The following is a copy of the language submitted to United Bank : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA  XXXX XX/XX/XXXX United Bank XXXX XXXX XXXX. 
XXXX, VA  XXXX XXXX : ACCOUNT XXXX ( XXXX DEBIT CARD DISPUTE ) 1. My name is XXXX XXXX and I am the sole account holder for United Bank Checking Account XXXX. 

2. A XXXX  debit card was issued in conjunction with the above referenced checking account. The XXXX card number is XXXX XXXX XXXX XXXX. 

3. This is a formal dispute of purchases made with the above referenced XXXX debit card. 

4. All of the disputed purchases were made with XXXX XXXX XXXX XXXX , XXXX ( a.k.a. XXXX ). I entered into a formal contract with XXXX and I have enclosed a copy of that contract in its entirety. 

5. Section 10.3 of the contract indicates the role XXXX with respect to pet services arranged via their website. In sum, XXXX is the facilitator of payments for services provided between private parties. In accordance with the terms of the contract, XXXX transfers funds from a pet owner to a pet service provider within 48 hours after completion of the service. 

6. Each individual transaction was processed as a credit purchase. At no point in time was a pin number provided for any purchase.

7. The following purchases are formally disputed : a. {$290.00} on XX/XX/XXXX b. {$42.00} on XX/XX/XXXX c. {$42.00} on XX/XX/XXXX 8. I contacted XXXX in the middle of the services being provided via telephone and put them on notice that the Service Provider was not abiding with the terms of the contract. Despite being put on notification ( on more than one occasion ) of the contract not being adhered to, I was offered no assistance and funds were released in violation of the terms of the contract. 

9. I attempted to work with the company to resolve the issue on many occasions. I have attached my last email communication. XXXX never responded. 

I am happy to provide any additional information that would help with this matter. Please contact me via the following email address : XXXX ( note, this may be different than the email on file ). 

I look forward to hearing from you. 

Sincerely, XXXX XXXX, XXXX. 


Enclosures On XX/XX/XXXX, United Bank issued a DENIAL OF CLAIM and found that the merchant " ... has abided by the terms and conditions of the contract .... '' I continue to contend that the merchant violated our contract and was not authorized to disperse funds from my credit card until services were fully completed as defined in said contract. The merchant was on notice that its contractor was not abiding by the terms. In addition, the merchant is negligent in how it verifies the completion of contractor assignments and has yet been able to articulate how they verify the task has been completed. That is the crux of their service.
Consumer complaint received 2018-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CO)

My loan with Stearns got sold to XXXX XXXX and i was notified lass then 2 weeks before transition kicks in. I've seen online that they should be notifying about this atleast 2 weeks prior. 

Stearns lending XXXX XXXX XXXX XXXX XXXX VA, XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Right after Covid started. I went on a forbearance with my Mortgage company. At the very end of my forbearance we decided to do a loan modification. This was in XXXX of 2022. After 4 different attempts to send them back all the necessary paperwork notarized to finalize the deal they finally accepted it. All three of the first three attempts that had to be resubmitted were errors by XXXX XXXX. Not errors by me. So from XXXX when the process started until the beginning of XXXX after the fourth time sending everything in it was finally accepted on their end. After trying for a couple months to sign into their website to navigate and learn it I was finally able to in late XXXX. In the midst of all this XXXX XXXX sold my Loan to a company called Right Path servicing. It wont let me navigate certain things and wont let me make any kind of payment. My biggest concern is that at the top of the website when i sign in, it says account under review by underwriting. It also says that once all notarized papers are processed the account will be unlocked as soon as everything passes. Thats kinda strange to me because they accepted the modification in XX/XX/2022. The reason it took over 5 months to get everything worked out is because the first three times they sent the packet to me it was wrong and all were errors on their end. And now we are in XXXX and it still says that I cant make any kind of payment on my account and that all my stuff is being reviewed 9 months later. They have been calling me every day for the last 5 months telling me the same thing everytime, that they are a debt collector, etc, etc. I always ask them the same thing. Why is my paperwork still being reviewed 8-9 months later? Nobody can give me an answer at all. I refuse to make my payments that were slated to start on XX/XX/XXXX, because nothing is finalized on their end yet. Its strange because my payment went up and so did my mortage rate as well.Im honestly contemplating doing a refinance with a different company just to get away from this company all together. Before Covid i made all my payments on time and never had any issues. I fell on some hard times and it is what it is. I would really like to see what my options are please. I really dont want to lose my house. I can make the XXXX, XXXX, and XXXX payments if needed but I just dont know why the papers are still being reviewed after all this time. Please help me with some options. Thanks and Have a good day.
Consumer complaint received 2024-01-25
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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