davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

In XXXX I received a mortgage for a home address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX. In XX/XX/XXXX I was forced to declare Bankruptcy due to a XXXX  Medical condition. The home was listed on the Bankruptcy. After the Bankruptcy I was never told by the company that it had listed the account " included in Bankruptcy ''. The continued through XX/XX/XXXX to demand Mortgage payments and negotiate payments. I discovered in my credit report that they had closed the account on XX/XX/XXXX. The listing was closed included in Bankruptcy. In XXXX of XXXX I discovered the account was closed by them in XX/XX/XXXX and requested a Deed in lieu of foreclosure for the Veterans Administration to update the loan included in bankruptcy. I was told by the Veterans Administration that as of XX/XX/XXXX they were continually listing the house as payment overdue and still were listing the account as open. The account was closed by them due to Bankruptcy and they have yet to send the VA their needed documents or list the account with the VA as closed included in Bankruptcy. I have conversed with them many times and have been told they do not do that. I have had my Bankruptcy Attorney write them and it was ignored. I can only view this as intentional harassment. And a effort to impede me from getting a new house.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IA)

XXXX XXXX incorrectly reported me 90 days late to all 3 credit agencies. I was never late, as I had applied for a forebearance, and they never processed the application. Later, I refiled the forebearance request, and it was processed 90 days late. I complained to the company by both letter and email, and they sent me a generic response saying they weren't going to do anything for me.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applied for a forbearance plan under the Covid-19 Cares Act rules. I called the loan servicer Mr. Cooper and spoke to 7 people over the course of and hour and 20 mins and no one could help me. The customer service people that answered the phone were, XXXX, XXXX, XXXX, XXXX, XXXX ( the nicest person I spoke to ), XX/XX/XXXX, XXXX,. I spoke to XXXX he said he will be able to take care of the forbearance and then he said he needs to transfer me, he did to XXXX, and XXXX said he could not help me and he needed to transfer me again to XX/XX/XXXX/XX/XX/XXXX, and then she put me on hold and put me back in the cue again and the next guy that picked up asked me exactly the same questions XXXX asked and then was quite rude in asking questions to qualify me for the forbearance and said that the investor does not have to follow the rules that were set up under the Covid-19 rules for forbearance. The longest time frame he had available was 3 months, I asked for 6 mths and he said I was telling him how to do his job and then I asked for his Supervisor and he at first would not give me his name and then I insisted and he gave me the name of XXXX XXXX as his supervisor, I asked to be transferred to him and XXXX transferred me to a different department and not to his supervisor. I have been on the line for 1 hour and 53mins so far and still have not had the forbearance plan put in place for me. This servicer is a prefect example of servicers that have no respect for their clients and till I applied for the forbearance, I had not missed any payments and never been late 30 days.
Consumer complaint received 2020-10-23
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. (AZ)

The class action multi state settlement includes my loan repossession I have called XXXX XXXX  attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX   Date of Inquiry : XX/XX/XXXX The above listed inquires are fraudulent I have contacted all creditors listed and they have all failed to provide me with documents bearing my original signature.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the 30-day late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} Payment was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SOLUT- XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE - XX/XX/XXXX Equifax : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX  not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.
Consumer complaint received 2021-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (VA)

On XX/XX/2021 we received a Collections Notice from XXXX XXXX XXXX XXXX XXXX  XXXX We are completely unfamiliar with the company and have never engaged in any business transactions with them. We have tried to contact the person listed in the letter since Monday without success. Today we sent the Collections Company an email notifying them of their mistake.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

I have an account on Coinbase, which I use to invest in bitcoin. I have been using Coinbase since XX/XX/XXXX. Since XX/XX/XXXX, I have been unable to make any transactions, including selling my bitcoin. The message I get when I try to sell is that I need to first verify my identity. This has never been a problem in the past using coinbase, so I 'm confused as to why they need this now. When I go to verify my identity, I put in all the correct information and coinbase says they can not verify my identity. This basically means that I am locked out of the funds that belong to me. I first reached out by submitting a support ticket on their website on XX/XX/XXXX. Their response the next day was some generic message about trying to format my apartment number differently or using my legal name instead of a nickname, etc. I responded saying this was not the issue, as there really is n't any other way to format the information I 've given them on the identity verification page. I have heard nothing since then. I also reached out to their support XX/XX/XXXXpage on XX/XX/XXXX and have received no response. I also have made multiple calls over multiple days to their support line, and all I get is an automated message saying their support line is too busy to take my call and they hang up on me. With how volatile the price of bitcoin is, I 've lost hundreds of dollars because I am unable to make transactions. I want to cash out and never use their service again, but I am being blocked from my own funds. They have ignored my repeated attempts to even get into contact with someone from their support team for a week now.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

In late XX/XX/2020 I contacted Owning Corporation to inquire about refinancing my home. They were advertising a 1.75 15-year rate that I was interesting in. After agreeing to move forward based on the information XXXX XXXX XXXX Owning ) provided I was told by XXXX that some rules would change on XX/XX/XXXX and they needed to charge me more money than originally quoted. After talking to XXXX and thinking about it, I emailed XXXX on XX/XX/2020 stating " Regardless of why the terms are different from what we discussed over the phone and you reviewed with me, I'm not comfortable moving forward. Please cancel my refinance with Owning. I will let the appraiser know so there isn't a charge for his services at your end. " XXXX emailed back on XX/XX/2020, at XXXX XXXX, XXXX XXXX XXXX wrote : > I will cancel it immediately. 

In late XXXX I received a phone call from XXXX asking me if I had 5 minutes to review my application and go over some questions. I told him I decided not to move forward with the refinance and he said, " you're right, I called the wrong person. ". Then, on XX/XX/XXXX I received a large packet in the mail from Owning Corporation addressed to XXXX XXXX at my home address. The first page of the packet has my name, XXXX XXXX 's name and my address listed on a document as if we were co-signers of a mortgage. 

To be clear, I do not know anyone named XXXX XXXX and a XXXX XXXX does not live at this address. I called XXXX XXXX and he said " Oh, there was a mix up with names, address and files. By law, I had to mail that document to you since it was produced but it has been cancelled. '' I am concerned that either Owning or XXXX XXXX is trying to take out a mortgage with my address and/or credit. This is fraudulent activity if that is the case and I do not authorize Owning to run my credit, start a mortgage application or produce mortgage documents with my name and personal information.
Consumer complaint received 2017-12-14
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. (NY)

I have sent 4 letters to XXXX and TransUnion in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( XXXX and TransUnion have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (KS)

Capital accounts placed something on my name that is not mine the date of birth and ss is not mine nor my address. Filed it with the credit bureau and they removed it cause it's clearly not me. They keep calling me and sending me letter 's and I've already placed a depute with them directly which was over 30 days but they keep trying to collect from me and it's not mine.
Consumer complaint received 2017-12-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I had a private loan that I didnt know was threw XXXX XXXX. At the time I was married and didnt worry about it. Then I got divorced because my ex was abusing our daughter. I left him. I am a XXXX and have been for about 5 years. I tried and tried to finish my XXXX but financially couldnt afford it. I was injured at work in XXXX and was laid off. Many days I couldnt even afford food. We lived in my grandmother in laws home rent free. I moved to Arizona and started XXXX again but my injury has stayed with me the whole time. Im almost done with my XXXX and now my student loans have not only came back but they are 3xs what I started as. I am XXXX, my wife is XXXX and my son is as well. We depend on my income. Now one of my school loans of XXXX from XXXX XXXX now ( Navient ) gave it to XXXX XXXX! I dont know what to do??? Can you help me fix it???
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

I have Chase Southwest Rapid Rewards Credit Card. While checking my statement on-line, I saw an offer to get {$500.00} bonus if I opened the checking and savings account with Chase Bank, set-up the direct deposit and fund the savings account with {$15000.00}. I have opened the account online on XX/XX/XXXX, linked my external XXXX savings account and funded my checking account with {$1500.00} and the savings account with {$15000.00}. Immediately after this, my on-line access to chase.com was blocked. I have called the number indicated online to confirm my transactions and the account was unlocked. Several days later I have notice that my savings account was not funded and I attempted to fund it again with my external XXXX savings account. The online account access was locked again. After I called, I was told that the bank has decided to terminate their relationship with me and close all my accounts. They would not tell me the reason and would not reinstate my access to the credit card. The problem is that I am out of {$1500.00} that i used to fund my checking account and I don't have on-line access to track my credit card account. I have attempted to call Chase again and they would not discuss the reasons or allow me to access my credit card account. I am US citizen, a XXXX XXXX XXXX who passed number of background checks. I believe the only reason they are doing this is because I have a foreign name and speak with an accent. There are laws prohibiting financial institutions to discriminate based against national origin or ethnicity and it also appears to be an unfair and deceptive practice to advertise product and service and not to deliver them.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (PA)

On Saturday, XX/XX/20, I received a paper check from my employer and deposited it into my Axos bank account using their mobile app. On Wednesday, XX/XX/20, I realized that the checks I had ordered for my account were never delivered, so I called Axos to inform them. They opened a new account for me and placed a restriction on my account. At that time, the check that I had deposited was still processing and was not available to transfer to my new account. On Friday, XX/XX/20, the check was still not showing on my account, so I chatted with a customer service agent and asked when it would clear. The agent said it would clear on Monday, XX/XX/20. I asked if the restriction could be removed from my account, and the agents said he would ask a supervisor to remove it. 

On Monday, XX/XX/20, the check was still not available, and there was still a restriction on my account. An online transfer I had made weeks before was now showing, so I attempted to transfer that money to my new account. However, my old account did not appear on the list of accounts from which I could transfer money. I also had a support message in my account inbox stating that they could not remove the restriction and that I could transfer my money to my new account, which was false. 

I called customer service again, and the agent told me that my account was restricted because they didn't have a signature card on my account, which was note true for two reasons : 1. they do have a signature card on file, and 2. the restriction was put in place because my checks were lost in the mail. I explained this to the agent, and she put me on hold and then I was disconnected. 

I called back and explained it all again to another agent, who told me that they didn't have to restrict my account at all because they could have just canceled the checks. She also explained that when an account is restricted, money can't be transferred out of it. She said she would see if she can remove the restriction, and I explained that I was told that was not possible. So she said she would request to have the account made " visible '' so I could transfer money out of it, but that it would take 24-48 hours. She also told me that the check I had deposited would be available that day. However, I checked my account 3 hours later, and it still wasn't available. So I chatted with another agent, and he told me it would be available on Tuesday, XX/XX/20. This was after 2 other agents told me it would be available XX/XX/20. I told him that I needed to take my money out that day, and he just apologized and thanked me for my patience. 

My money is currently being held in a restricted bank account that I can not access, and no agents at Axos bank will transfer it or remove the restriction for me. My paycheck has also been on hold for 9 days, and I am behind on paying all of my bills because of it. I'm tired of being told to wait for my money to be released. I should be able to access it now.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXXXXXX XXXX XXXX  Installment Loan Amount {$1300.00} Open Date XX/XX/2023 XXXX XXXX XXXX Filed ID theft disputes with Credit Bureaus and Retailer. XXXX never followed up with proper investigation and follow FDCPA laws due. 
Never had a account. 

Demand for delete based on expired time