davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been in Covid-19 approved forbearance since XX/XX/XXXX ; I extended my forbearance until XX/XX/XXXX, in XX/XX/XXXX. 

I went to the " portal '' on company website on XX/XX/XXXX to extend forbearance, but accidentally click the wrong button with regards to " YES ... ability to repay '' ; and this froze me out of extension. 

I called the server, SPS, and was told they can't re-set or assist, but to take my chances. 

My forbearance ends XX/XX/XXXX, and I need more time, like 60 days to bring current, but I can't reset the request.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

currently there is negative information provided by XXXX XXXX XXXX XXXX XXXX. this account was sold/referred to collection company Stewart, Zlimen & Jungers , LTD. a case was then brought to court which I tried to self-represent. XXXX stated I needed to file a complain. but the stress and agony that comes with the harassment from Stewart, Zlimen & Jungers , LTD, was unbearable to the point I just agreed to settle the amount on XXXX. I initially disputed this account and provide all information to the collection company. this account was fraudulent opened by my brother and his friend. both of them was since jailed and deported. in any event, in the wake of things, I was forced to settle the debt in the amount of {$4000.00}. a phone conversation with XXXX XXXX stated that once the debt is paid, it would be adjusted on the credit report. it has been more than 90days now and this debt instead of reflect as paid in full, shows a reduced balance which is contrary to the agreement made for settlement. I've disputed this account 2 times and there was no changes in result even though I satisfied the agreement of {$4000.00} in full as of XXXX which I have proof of. when this account was disputed under XXXX XXXX XXXX - Direct disputes. there was no investigation result mailed/delivered to me. instead, was taken directly to the courts.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX   XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (TX)

I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Consumer complaint received 2022-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have disputed 4 charges with Capitalone for a vendor called The XXXX  for breaching the contract. In all 3 of the 4 were returned as the evidence validates this accuracy of this vendor not delivering all the services. I have requested CapitalOne to escalate to another evaluator as it is evident that there is some lack of due diligence on looking at the cases as an entire dispute as it is related to 1 Contract but paid over the course of months. I think this is unfair and unjust that I have to continue to explain the situation for the same results where the 3 disputes were granted to me. I have also endured harassment and defamation from the XXXX XXXX during this time and shared all additional evidence. Please review this and help me get the proper escalation within CapitalOne. Thank you
Consumer complaint received 2020-12-02
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. (TX)

I filed a dispute against XXXX XXXX XXXX early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX  XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX  XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP (WI)

XX/XX/2020 {$310000.00} We applied for a refinance after being told by this company rep to go with the higher interest and assured us they could refinance the loan. Now they denied us now we are trapped in this high interest loan with which we would not have taken if we were not assured that they could get us approved. Now there are not even responding. They had us paying for the home inspection and never even provided the report.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i opened the business fundamentals checking account ending in acct XXXX on XXXX XXXX2020 with a promotion of deposit {$20000.00} and completed 10 billpay activity to get {$500.00} bonus. i have finished all the tasks but still didn't get the bonus.
Consumer complaint received 2019-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Im writing to request assistance to remove my mortgage insurance premium of my FHA loan. This loan was open in XXXX, XXXX based on these requirements : Maintain the loan for a minimum of five years.

Avoid late payments When the loan-to-value ( LTV ) reaches 78 % of the original value I have met 2 of the requirements expect LTV. This house was appraised for XXXX, XX/XX/XXXX, the current valuation on XXXX site is at XXXX and my loan balance is XXXX. Comparable houses in the neighborhood now sells for low to mid XXXX. 

I recently sent a message to Wells Fargo to provide guidance and they replied stating it is against the HUD guidelines to use new valuations to cancel MIP.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America quietly ended the auto rental collision insurance benefit they have provided customers with for years. I wanted to make sure that it was there before traveling, and had to request a benefits statement from the bank. The auto rental collision insurance benefit no longer appeared in my benefits statement. I never got a warning that this was cancelled in letter mail, email, or on the bank and credit card service website. The insurance coverage was cancelled on XX/XX/XXXX according to a bank representative I later called. Had I not sought out this information, I could have assumed that coverage existed, and been on my own had I gotten into a collision.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NH)

The lease was paid off in XXXX, with proper documentation. XX/XX/XXXX XXXX cashed two checks for the amount of {$16000.00}. These two checks were stapled to a mileage odometer form as well as other lease ending forms. I have been fighting with XXXX since XXXX to get my title. It is now 5 months later and they still refuse to send me my title and officially close out my loan! I didnt even receive a final statement from them despite my account balance showing as {$0.00}. This is beyond frustrating as my lease is officially over in less than 30 days and this should have been taken care of MONTHS ago. Instead Hyundai has given me the run around. I even resent the odometer form at the beginning of XXXX after many phone calls. And they still claim they need it or they will not release the title. This has been the most frustrating process and at least 5 phone calls have been made. I made two today only to be told by the automated system that they could not take my call and then hung up on me.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (AZ)

After I submitted my latest complaint against XXXX XXXX XXXX ( Complaint ID # XXXX ), XXXX XXXX XXXX pulled my file from Phoenix Financial Services. However, Phoenix Financial Services subsequently and immediately flagged my account with the credit bureaus. Additionally, Phoenix Financial Services marked my account as " charge off, '' in retaliation and retribution for my complaints against them. 

I attempted to resolve this issue with Phoenix Financial Services on the week of XX/XX/22 ; which yielded negative results ; because the representative on the phone disregarded my issue and stated.. " that's not our issue, and your file has been pulled from our office.
Consumer complaint received 2021-08-21
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: Early Warning Services, LLC (IL)

I had a XXXX bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified XXXX and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( EARLY WARNING SYSTEMS IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted EWS and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on EWS was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. EWS does not want to remove the false info.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I always file my UI Unemployment claim every Sunday morning so I can have the credits ready to withdraw every Tuesday. On XX/XX/XXXX, I go to one of the closest Bank Of America in my area. I put in the expected amount to withdraw for that day and the ATM machine tells me I don't have the money yet. I check my balance on the ATM and it tells me that I only have {$1.00} in my checking. In my mind, I'm thinking alright the credits must be delayed for this week. 

On XX/XX/XXXX, I check my balance again and it tells me that I still don't have the credits in my account. So I check further to find out that before I went to the bank on the XXXX of XXXX, someone already accessed my account on another ATM from the opposite side of town. An area that I never go to, an ATM/place that I have never been to before. 

Before all this, I did not have alerts on for my Unemployment Benefits XXXX thinking that there's no way someone can have access to my card because I never use it for outside purchases. I solely only use it to withdraw money from an ATM. My card is always on me and never do I let other people than myself use my cards. 

I call Bank Of America and I file a Fraud Claim on the XXXX of XXXX. 
I call them again on XX/XX/XXXX to see if there is any update on my claim and they tell me that they denied my claim on the XXXX. So I asked for them to reopen my claim for that day. 

I called them every week after that to keep myself updated. One guy helping me being optimistic and tells me that most likely I'm getting my money back after they check the cameras on the ATM 's that were accessed. 

Reach current day of XX/XX/XXXX, I called them and they tell me that they have closed my Fraud Claim again for the 2nd time. I asked them to reopen my claim again and here I am seeking extra help thinking that they're going to deny my claim for the 3rd time.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021, the amount of XXXX usd has been taken by paypal from my account. I has been informed by paypal that I can withdraw the balance after my account has been limited for 180days. I have been waiting all the time. I logged in my account and want to check status of the account, however, I found my money was gone!!!!! 

I earned the money by myself, that is mine! why paypal can ignore the LAW and took money from others without a reason, without a notification. 

It seems I was not the only one who suffered this, because I found some posts from others about similar issue. 

I wish I can get help from you, and get the money back to me. thanks! the email linked to my paypal is XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (GA)

My daughter had a XXXX XXXX XXXXn XXXX. The visit was filed on my insurance. We did not receive a bill until XXXX of XXXX. I contacted the XXXX XXXX and was told they were having computer issues at the time of her visit and their bills did not get generated. This was unacceptable to me as this was now the next insurance year and therefore I could not pay properly out of my HSA as it was almost whole year later. I disputes with them and they sent me to collections. The collection agency contacted me and I did pay the balance. They did not report until after I had paid in full. I feel this is very unfair. I work hard to keep everything paid on time and my credit score high. I have contacted the collection agency several times and they will not take it off. XXXX and XXXX removed the item but XXXX would not. I would like the company to understand this error and please make it right.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/2020 - refinance mortgage with XXXX XXXX XXXX  XXXX. Paid off Home equity line of credit ( Heloc  ) May- XXXX  XXXX XXXX XXXX ( XXXX ) mistakenly reports Heloc delinquent XXXX I contact XXXX, file complaint with TransUnion , XXXX and XXXX Credit score drops 100 points to XXXX. 
XXXX  sends all three correction and removes negative comment XXXX Credit score corrected XXXX Credit score dropped again Filed another complaint with XXXX and TransUnion XXXX Credit score corrected XXXX Credit score drops AGAIN at TransUnion Filed another complaint XXXX repeatedly has contacted TransUnion and they fail to correct .XXXX XXXX, reporting agency used by XXXX also reports low score but NEVER corrects XXXX Credit Score corrected by all three Mid XXXX ( now ) TransUnion drops score again to XXXX because of non existent delinquent payment. Contacted XXXX XXXX XXXX for third time. She continues to try to help. 
I've saved emails and screen shots of rollercoaster credit score from XXXX XXXX