davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX I inquired with Wells Fargo mortgage about a forbearance. I was told due to the current pandemic, I do not have to pay for 3 months and towards the end of the 3 months, a Wells Fargo specialist would work with me to get these 3 missed payments, either at the end of the loan or break up payments and pay monthly in addition to my regular scheduled payment. But not to worry as something would be worked out. 
After I reached out stating I can resume payments and over a month of answering questions and providing paperwork, the only option they gave me was a short sale. I owe only XXXX. I have since been paying my regular scheduled payments. I will not short sale the home. It being such a small amount, I was ensured by multiple specialist this would not be an option. I owe a total of XXXX on the home. I can sell it, if I wanted, for XXXX, make money off it and pay back the XXXX, so a short sale would be silly. 
I am so disheartened that I was deceived from the beginning. I was told worse case scenario is that I would not be approved ( loan modification ) but almost every one is. 
I wouldve found a way to pay if I was not told this. 
It is only XXXX, why wont they break it up or place at the end of the loan? Its not a lot of money. Isnt the Cares Act supposed to help people like me, willing to work it out and pay back what is owed? Not short sale my home for a XXXX default? Im so upset I dont know what to do?
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a credit card with the company Capital One. Capital One gives customers the option called quick fund release to pay their bill and have the funds release within minutes the same day through XXXX   XXXX. One of the Senior Account representatives told me you can do a quick fund release once per day every day. I perform this payment of action on XX/XX/XXXX and my funds were released. I performed the same type of payment on XX/XX/XXXX. However, the representatives told me my payment would not be accepted and my funds would not be released because I perform this action yesterday and my payment has not been posted to my account. I do not understand why I wasnt able to do this when I have always done a quick fund release without my payments being posted to my account. Im trying to pay my bill and they arent letting me. I dont understand why.
Consumer complaint received 2020-05-26
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. (FL)

SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  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 XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (GA)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} XXXX
Consumer complaint received 2020-11-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial (VA)

XXXX XXXX contacted me in XX/XX/2020 about a payday loan on behalf of Spot Loan for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called XXXX XXXX and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called XXXX XXXX  to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
Consumer complaint received 2019-06-07
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)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-11-14
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AL)

I purchased a car in XX/XX/XXXX And I got turned down from Ally bank. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called XXXX XXXX. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

A fraudulent and scam company that goes around and steal people 's identity and then put information on their credit report that consumers owe them has attacked me. 

The scam company is MRS BPO , LLC and they have placed this information on my XXXX credit file. I do not know who this company is, I have never done business with them and I have never been contacted by them bout any debt. 

I have absolutely no idea what this scam company wants. They have obtained my information in some illegal and fraudulent manner and are using it to demand money from me that I do not owe. 

MRS BPO , LLC put this information on my XXXX credit report in hopes that I will be ignorant of the law to call them, and then MRS BPO , LLC. can harass me and hunt me down for money. 
They have never contacted me yet they have my information and have used it in a fraudulent manner to extort money from me. Take the derogatory information from my credit file
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Over the last 3 days, I have contacted TransUnion Fraud department at XXXX. Each time my call is automatically disconnected instead of forwarding to a customer service representative.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I submitted an application to recertify my income driven repayment plan and switch to the SAVE plan on XX/XX/24. Weeks later, my application was inexplicably cancelled ( not denied just cancelled ). I received no notice for this and was not told why it was cancelled. I was told I needed to submit a new application and that the timeline for processing would be reset. I submitted a new application XX/XX/24. I was advised by studentaid.gov that it was illegal for them to have cancelled my application with no notice or explanation. I am enrolled in public service loan forgiveness and they have placed my loans into forbearance and not taken me out of forbearance despite my request to do so. I feel that they are intentionally delaying calculating my payments because I am close to qualifying for forgiveness with PSLF. 

I am requesting immediate review of my SAVE plan application and immediate removal of my account from forbearance.
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (FL)

The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.
Consumer complaint received 2019-11-07
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)

The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.
Consumer complaint received 2019-11-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent TransUnion multiple letters with my concerns about four inaccurate accounts on my credit report. I have asked them to verify the four accounts. After doing so, I received a letter from them saying the accounts were verified, but they failed to provide any information or documentation showing how the accounts were  verified or belonged to me. I then sent them another letter asking them to provide documentation showing that they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted them from my credit report. I have also sent TransUnion a copy of the XXXX letter and they still refused to delete the accounts. I am getting very frustrated with TransUnions lack of cooperation and inability to follow the laws set fourth by the FCRA and the Supreme Court. If this issue can not be resolved with this complaint, I will have no choice but to get the courts involved seeing as though TransUnion is breaking multiple laws. I have provided all documentation that I have sent to TransUnion down below.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (CA)

They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XX/XX/XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in 2018 and I settled all my debts. The original Creditor Citibank cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of XX/XX/XXXX.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (IN)

In XX/XX/XXXX, I hired XXXX, to assist my cleaning service with payroll processing, and workman comp insurance. I spoke with XXXX concerning the finished work and no longer needed workman comp insurance, because the initiated the connection, between XXXX XXXX XXXX and myself, or XXXX XXXX XXXX XXXX, which I am owner. The continued harassment about an audit, which was not supposed to take place, without my consent was taken. The phone calls started XX/XX/XXXX. Thereafter, the continued calling me two, to three times a week has to stop. XXXX only processed one payroll for XXXX XXXX XXXX XXXX XXXX, and sent another payroll, which I did not receive, until I came to my home office, which was about XXXX XXXX  on XX/XX/XXXX, and at that time I only had two people working. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has called me too many times. XXXX XXXX called, me today and told me to stop talking over her and I was unprofessional, because I do owe them for seven payrolls, which they had to commit to an Audit. I hung up, came, to my computer, and announced one again, which I had done several time, and told her I was filing a complaint against them, and she said, I will not call you any more, and I told her, I have told you several times to stop contacting me, but she continued. The constant contacting me, and harassment has caused me great anguish, and the continuing calling XXXX and XXXX, has cause me a mental break, " I only had two payroll processed, because the job only lasted two weeks ; '' " It was a final cleaning contract. ''
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

O or about XX/XX/2022, I looked at a home driving by in the city of XXXX XXXX of California. I was driving looking for homes as I waas already preapproved by XXXX XXXX  for {$530000.00}. 
Thisn particulaer home attracted me as a single parent that it would qualifuy for a low income quota and I also met the income requirements as well as the credit having my preapproval with me. 
Upon calling I was told that I would have to aply for a loan from their own bank, USBANK and to go online and do it and then XXXX the pereapproval from them. Dont know if that is legal? Anyway I did that send in all the documents gave access to the bank info and for my credit. 
On XX/XX/2022 in the mail XXXX receievd a letter that my credit score was XXXX points loweer than a few days ago. How did that happen? I was only preapproved les than 30 days ago, I am on alerts with every credit card comnpnay that informs me of every move on my credit, access, points lowerd or go higher, applications, inquiries etc. I am also on alerts with XXXX XXXX abd didnt receive anything fron any of them yet USBANK says its XXXX points lower, and the agent XXXX returned the calls no response via email either just complete silence so as to deny me the opportunity to get the home as I am a single woman a XXXX woman XXXX XXXX always covered and speak with an accent. 
I need ot know how : 1 ) : the credit fell more than 100 poinyts instantaneously?

2 ) : The rson of the silenc?

3 ) : Othe roptions etc? 
and even with the llower score I still qualify for a loan but at a highr rate so whats hoding my application back?
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2019 at approximately XXXX I went to the Capital One branch in XXXX, LA and attempted to make a cash payment on my wife 's credit card, which I am an authorized person, in cash for {$140.00}. The bank teller refused to accept the payment unless I provided him with my state id. I then spoke with the branch Ambassador, XXXX XXXX XXXX, who also refused to accept the cash. I advised both that the account is closed. He stated an ID is still required and then returned the cash. I provided both the teller and the ambassador the payment stub provided by Capital One. 

I then contacted Capital One credit via telephone on a recorded line and a senior account manager stated payments can be made in cash at local branches. She also stated that the payment would not be accepted without an ID to prevent fraud on the account.
Consumer complaint received 2017-09-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNTRUST BANKS, INC. (VA)

XX/XX/XXXX Audit Charge-off ( uncollectible debt ) with Virginia Department Housing Authority in the amount of {$1.00} XXXX dollars for property address XXXX XXXX XXXX, XXXX, VA XXXX with an appraisal value of {$110000.00}. Please reference IRS Valuation Form 843 for debt in the amount of {$64000.00} ( XX/XX/XXXX to XX/XX/XXXX ) dated XX/XX/XXXX. No escrow is due to debtor XXXX XXXX XXXX. Unpaid property taxes since XX/XX/XXXX per IRS tax lien document received on XX/XX/XXXX with an expiration date of XX/XX/XXXX due to property abandonment. Charge-off ( uncollectible debt ) with sold boutique at XXXX XXXX XXXX in the amount of {$400000.00} on behalf of Suntrust, XXXX XXXX XXXX, the OCC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I contacted Experian as they erroneously reported a Chapter  XXXX  Bankruptcy on my credit report. I have tried to have this erroneous information removed for well over 3 years. I have called, emailed, uploaded documents to their website, and sent them numerous certified letters to no avail.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (PA)

On Friday, XX/XX/XXXX at approximately XXXX EST, I got e-mail alerts stating that three transactions were placed against a PayPal-issued debit card. These transactions authorized bill payments towards XXXX XXXX XXXX ( I am a XXXX customer ), for amounts totaling XXXX, XXXX, and XXXX. I immediately called PayPal 's customer service department to report this fraud, and after being placed on-hold for THREE HOURS, I finally was able to reach a person who could directly work with my debit card account. The card was closed, and they said they placed a fraud alert on my account. However, I did not receive any follow-up e-mails or notifications - as promised - that they were actively investigating the fraud that occurred against my account. After not receiving any correspondence, on Monday, XX/XX/XXXX, I submitted a fax to PayPal 's fraud department detailing the incident as well. ( I also tried contacting PayPal through social media on Friday, XX/XX/XXXX to urgently get a hold of someone with no success ). 

Also on Friday, XX/XX/XXXX ( while on hold with PayPal ), I was able to file an incident report with my local police department in State College, PA reporting the theft. As my PayPal account is linked to my credit union checking account, I faxed a fraud alert to them on Sunday, XX/XX/XXXX. My credit union got a hold of me on Monday and issued stop payments to PayPal.
Consumer complaint received 2017-07-09
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. (FL)

I was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX