davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

I paid off my loan with Home Point Financial over a month ago and they shorted me on the amount of escrows they owed me. I am owed still over {$4900.00} dollars which I have called several times and they said they don't know where my escrow money is and I have been waiting weeks to get my refund back. I feel like there is something very deceptive going on with my escrows over {$4900.00} I believe might have been stolen or embezzled. I am a veteran and need help to get my money back. I have made several call ( hours of my time on hold ) and keep get the run around saying they don't know where my money is.I paid my loan off on XX/XX/20. The loan number is XXXX and their phone number is XXXX This company keeps saying they sent my money off to pay property tax knowing that I had a XXXX balance due with the county. Please help, I have repeatedly tried to get this issue resolved with Home Point Financial.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2021-09-02
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. (PA)

I submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on XXXX  and Transunion.
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

An online dog vendor, who claimed they were in XXXX, TX, claimed they were selling Chow Chow puppies, and used the name of XXXX XXXX, with phone number of XXXX, at email address XXXX. 
There were videos of the puppies for sale, which kind of made you suspicious to start with, but since my granddaughter was so focused on getting a dog, we went ahead with the transaction. 
I sent {$250.00} through PayPal, since they had purchase protection on the transaction, but they tried to get me to use XXXX, and I refused. 
I have alerted both my bank, where the funds have not been withdrawn as of yet, and PayPal, who had a protection program in place. 
The IP address of the perpetrator XXXX.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (SC)

XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX with failure to provide proof of method of verification. [ Attached ]  Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail ( Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX. [ Attached ]
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

I have been a teacher for the past 11 years. I qualify for a loan forgiveness of {$5000.00}. I have filled out all appropriate paper work 4 different times. When I call to see why it has been denied they told me that I do not qualify, I dont have enough experience teaching, or my paper work wasnt filled out properly. Now I havent heard from Navient about my most recent attempt to get the loan forgiveness in 4 months.
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

To Whom It May Concern : On XX/XX/2020, I use MoneyGram Payment Systems, Inc service to send a payment to XXXX towards my loan which was due on XX/XX/2020. When my due date passed, I contacted XXXX, and they verified that no payment was ever received. After finding out the payment was miss applied, I contacted MoneyGram Payment Systems, Inc on XX/XX/2020, and requested that they put a trace to see what address my money was sent to and the associate told me to call them back on XX/XX/2020, and they will have a status. So, I decided to research further and discovered that the payment was sent to the wrong merchant ( XXXXXXXX XXXX XXXX ). 

On XX/XX/2020, I followed up with MoneyGram Payment Systems, Inc again and the agent still could not supply any  information on the status. 

Furthermore, I am requesting MoneyGram Payment Systems , Inc to issue a FULL refund because they failed to process my  payment correctly, sent to the wrong Payee, and thirty-two days past my due date. Not to mention, it defeated the purpose for which I authorized because MoneyGram Payment Systems , Inc failed to carry out service in a timely matter. Due to MoneyGram Payment Systems , Inc negligence, I had to make another payment on XX/XX/2020, to avoid ruining my credit and to stop the collection calls I was receiving each day from XXXX. 

Regards, XXXX XXXX
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

I disputed the amount of the debt through transunion. I requested an itemization of the debt due. The company responded that the debt was valid but did not provide a breakdown of the charges. 

They have placed a debt amount of {$1500.00} on my credit report. I require an itemization of the amount due. I did not owe this amount when I left the apartment.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC is reporting XXXX on my credit report so I called to ask for an settlement and now its XXXX and they stated they didnt know why the amounts were different. Told them to remove account from reporting until investigation is over and they declined.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-07-03
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. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX AF XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 I need those hard inquiries removed from my credit report.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage increased my monthly payment without notification. Because the payment is automatically deducted from my bank account, it created a risk of overdraft. 

On XX/XX/XXXX, I spoked to two phone reps. One of them told me that, because I have selected " paperless, '' that I would have received notification through the website. I explained that I have not been able to log onto the website, even after I saved my login information. Additionally, I expressed the absurdity of a policy that would hold me responsible for checking the website for an increase in payment that I am not expecting. 

A second phone rep attempted to help me log on and failed. A passcode was sent to me through the phone and the log on still failed. Then, the phone rep told me that someone would call me. To this date ( XX/XX/2021 ), no one has called. 

My first complaint about the log in process occurred in the first couple of months of the UWM loan. The phone rep at that time insisted that the log in problem was due to some failure on my part and hung up on me when I expressed my anger with her. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

The due date for my credit card was due on XX/XX/2020. I made a payment in the amount of {$200.00} ON the due date of XX/XX/2020. It was withdrawn from my bank account already. Synchrony Bank, however, is charging a {$50.00} late fee saying the payment was late even though it was made on the due date. The company stated that it take several days to update in their system and I was charged a late fee. However, that is false since I have confirmation the payment posted on XX/XX/XXXX. This company is just scamming people out of money.
Consumer complaint received 2017-06-07
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. (LA)

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

XX/XX/XXXX my bank account was put on hold/levy due to a Credit card debt which was bought by another consumer whom pursued the situation to collect the debt. Exact amount that was taken {$320.00} and {$75.00} court fe that was filed against me. Before anything else the total amount I owed came out to be {$1100.00}. I called the office who is handling my case and made an agreement payment of XXXX $ every XXXX of the month. I was told from the office by the secretary that money order is the only payment acceptable and to keep track of my payments because I wouldnt be receiving any type of confirmation receipt for every payment Id be making. On XX/XX/XXXX my bank had called me to notify me that my bank account has been unfroze and Im able to use it. That same day i called the office and ask them for the remaining balance of my debt. The secretary explained and answered, {$1100.00} subtract the {$320.00} from my bank which totals by debt balances of {$830.00} on XXXX. I made a total of 4 money orders to this office in regards to the debt I still owed. From the month of XXXX. to XX/XX/XXXX I made XXXX $ on the XXXX each month and mailed the money order to the address they provided me. Which would bring my debt down to XXXX by XX/XX/XXXX .. on XX/XX/XXXX I called the office and asked the secretary about my case and how much i still owe I was told {$530.00}. I went to XXXX XXXX XXXX, NJ, purchased the money order with that amount and mailed it to the one address that they provided me with. A month later, I called the office and asked about my case and as to why I havent received any confirmation letter stating that I already paid the debt so I can dispute it in my credit report and get back on track without the derogatory mark that is to this day still on my credit report.the officer who handles my case responded and told me I still owed {$630.00} I was shocked and confuse considering a month ago his secretary has told me that it was XXXX.. I had asked him to please check and look at all the updated document under my case because I have all the documentation of proof of payments for my debt. The next day he emailed me stating that they havent received any Payments since XXXX, then a week later emails me a notice of late payments. If that was the case why i havent received that notice from the XXXX and XXXX payment that he claimed to not receive any payments of. I dont know who else to contact and what else to do in order to get this derogatory mark off my credit report. I did my part and handled it as fast as I could. I thought I had.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NC)

I have learned that American Express arbitrarily decided to cut my credit limit in half on XX/XX/XXXX and lower it from $ XXXX to $ XXXX, which brought me extremely close to maxing out the account instead of being at about 45 % usage. 
I contacted AmEx and was informed this is due to " information they received from a credit bureau '', specifically XXXX. They said this was due to changes in using my credit cards and change in credit score. 
I have immediately checked my credit scores and reports and my credit score has been steadily increasing for months and currently is XXXX on both XXXX  and XXXX  report. 
The only card I've used for months now is AmEx so that is the only change in credit card usage I've had in several months. 
American Express also has NOT reported anything from my account to XXXX or XXXX  since XX/XX/2020, yet claim they made their decision based on " responsible lender '' information. If this is what they call responsible, I must buy a new dictionary. 
I've had an account with AmEx for about 9 or 10 years, with this same credit card. 
Cutting my limit in half during a pandemic is, I believe, if not illegal, then immoral, as no data on any of my credit reports justifies the decrease. 
My payment history is 100 % and XXXX credit score shows in every way possible that I am a responsible credit card owner. 
With a salary of {$75000.00} per year, I am not sure what else do these credit card companies require for us to be left in peace to use credit cards, they make money from! 
I've always been taught that high credit score, decent salary, no-blemish credit payment history is what someone would want from a credit card holder, but I guess after 10 years, in a pandemic, they decided they would start these new practices. 
I want to warn every person who has a credit card with AmEx that this is something that can happen out of the blue no matter how good of a customer you are. 
I've immediately paid off this card and am now in the process of closing my account, I do not need to make any money to a company like this, but I do think it's my responsibility to report this type of absolutely disgusting behavior.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CA)

There is a company called XXXX in this address XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX which has been calling me for more than a year and asked me to pay a hospital bill six years ago. But I told them that my last name was wrong and I have medical insurance and all members of my family and I asked them why I don't pay and I have medical insurance? Then the company asked me to send a copy of the medical insurance card, and I actually sent them a fax by a year ago and they told me to consider the problem had been solved. But after a year I was surprised to see a negative report from that company on my credit record.Now that company refuses to answer my calls without making any excuses and speaks to me in an insulting manner
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (SC)

Hello, my loan has been paid in full with an balance refund due to me from overpayment in the amount of {$590.00}. Chase cut the check to be sent to my home on XX/XX/XXXX. I still have not received my check. I have tried to get the matter escalated via customer service but to no avail.
Consumer complaint received 2021-09-14
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: JPMORGAN CHASE & CO. (PA)

I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
XXXX XXXX : inquiry date is XX/XX/XXXX. 
Jpmcb card : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have had an existing account with Bank of America for over 10 years that my mother opened for me as a student account when I was in college. I am engaged to be married so I opened a new account just in my name with Bank of America on XX/XX/XXXX and deposited my paycheck into the account via the bank 's mobile application on XX/XX/XXXX. That check cleared my employer 's account on XX/XX/XXXX ; however, the funds are unlawfully being held by Bank of America until XX/XX/XXXX as they are considering the account to be a new account even though I opened the account under my existing Bank of America credentials. 

I have spoken to several Bank of America representatives and my mother even called her banking representative to try to get the hold on the funds released to no avail. I checked your website at it specifically notes that accounts should not be considered " new '' if the account holder had an established account with the institution.