davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2020, as authorized by Section 4022 of the Coronavirus Aid, Relief, and Economic Security Act ( the Act ), I requested a forbearance request of mortgage payments for the next 180 days. 

As stated in this act, upon receiving a request for forbearance from a borrower under subsection ( b ), the servicer shall with no additional documentation required other than the borrowers attestation to a financial hardship caused by the COVID19 emergency and with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrowers request for an extension is made during the covered period, and, at the borrowers request, either the initial or extended period of forbearance may be shortened. The forbearance shall be granted with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance ... 

However, when I heard back from my mortgage company they only granted me a 90 day forbearance and not the full 180 days as stated in the above mentioned act.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (WI)

Back at around 2002 I noticed amount on my card that I didn't recognize, a coworker at the time ( XXXX XXXX ) referred me to a guy ( XXXX XXXX ) that was helping him with something similar. A few days later he show at my home claiming to be affiliated with the XXXX XXXXnd after gaining my trust he left my place with lots of personal information and multiple documents to supposedly help me out. Time went by and I started getting more and more letters of me owning stuff but I after m telling them it wasn't me some will stop. Others didn't but nobody ever took money from me till now. Now I being garnish by a firm Messerli/Kramer and I don't know what to do. 20 % every week for something I didn't do seems terrible. At this time I even canceled XXXX and not looking forward to XXXX. Not sure what to do now?
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

A payment was sent to me through Paypal from a friend for money that was owed. The default in the application marks every payment as for goods/services which then subsequently charges the recipient a fee. The organization will not refund the fee nor will the organization reverse the transaction. They state there is no way to accomplish this and are clearly scamming people out of funds for fees collected for non-existent sales of goods/services. I attempted to escalate to a manager and was told there is no way to reverse a fee or reverse a transactions. I then asked my account to be restricted so as not to be able to receive funds from anyone. This is also not possible.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

Netspend Skylight is a bank that I use only to receive my tips and is required to have at my XXXX job. I rarely use it and usually only check it occasionally since I use it as a savings account. On XX/XX/23, I logged into my account to check how many savings I had accumulated over the past month. By the way, I already had a physical card that that I didnt activate because I had fraud with this company sometime last year so when they sent me a new physical card I didnt activate it due to the fear of it happening again. Plus I was planning on saving my tips anyways. Once I signed in on XX/XX/23, I saw that XXXX was gone from my account due to fraudulent charges. These charges started on XX/XX/23 and went on everyday from there. I filed a dispute that same day and informed them I didnt authorize these charges. I also informed them that I never activated my physical card. This is where I found out that a digital card was activated online which was then used for these transactions. One of the representatives said the dispute team will investigate and I will receive a temporary credit in about 10 business days if they deem these transactions as fraudulent. I asked them to make a note on the account that I never activated the card that was used to process these transactions so someone mustve obtained my account information and activated a digital card. I waited until XX/XX/23 and called back in hopes of receiving the credit, but when I called the representative told me that the dispute team already made a decision on that day and I was declined the credit because they didnt see any errors. Frustrated, I asked for documentation and to speak to the dispute department to understand how they came to that conclusion. They said I will have to wait 10 more business days until I receive the documents in my email and until I can speak to the dispute team. I received the documents in my email on XX/XX/XXXX around XXXX and called the bank on XX/XX/XXXX at XXXX to speak to the dispute department since the document they sent didnt make much sense and had false information. They informed me that the dispute department doesnt have a direct phone line so I will have to wait for a call back from them within 2 business days between XXXX. I asked to speak to a supervisor because this is the third time I have to wait days in order to try and get this resolved. However, supervisor said I will still have to wait 2 days until XX/XX/23 to speak to the dispute team since theres no direct line. Before hanging up I asked about my original physical card and said if there were any transactions made on that card. This was my attempt to try and prove I didnt activate the card. The representative confirmed that no transactions were made on the physical card and how it was a paused card. Why would I activate a digital card when I still had the physical copy and never activated/deactivated it? This is my last resort in trying to receive my money back.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (GA)

Georgia Way2go card State Benefit been received : Georgia Benefit Program : PUA/FPUC Transaction summary : PUA $ XXXX XXXX Weeks FPUC $ XXXX XXXX Weeks Deposit Date XX/XX/2021 The account is been suspended after they make the payment on there for me, please i need your assistant
Consumer complaint received 2021-05-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

Back in early XXXX XXXX XXXX reach us to refi our fha mortgage and we agreed and started the paperwork. Since that time we have sent several docs, spoke with several different mortgage processor and finally last Friday we received two sets of closing docs, one which appears to have accurate data and the other with a much higher mortgage payment than we we are paying now at a higher interest. We shared this with our processor and closer on Friday and received a email confirming today 's closing. When a notary finally called us back today, we checked to see if the docs were accurate, and course they were not. We have also tried to reach a manager, who know one seems to know to find out why they can not correct the documents ... Why would anyone sign off on a monthly mortgage with higer payments ar a lower interest. In sane. Please help if you can. This has been a complete nightmare.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-10-25
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. (AL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

Transunion & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

XXXX Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I wired {$40000.00} from my businesses account ( XXXX XXXX ) to my coinbase account on XX/XX/2017. 

I have received an email that says you guys can not accept the wire and it will be reversed due to the name mismatch ( XXXX XXXX & XXXX XXXX ) and I should receive it in 7 days. 

It has been more than 60 days since I received that email,
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

This listed complaint ( XXXX ) was just closed and I have attached the Feedback. In the listed complaint I list out four ( 4 ) previous complaints previously filed on the same matter that Equifax refuse to address and for some reason they send non relevant emails that are suppose to contain a solution, but never contain anything relevant of worthwhile. 

The 5 total complaints are asking Equifax to allow us to download credit reports from XXXX XXXX XXXX, but when trying to download our reports using XXXX the process is blocked at Equifax. Where we are then told that a report can not be acquired or accessed from that portal. WE ( both my wife and I ) would instead need to mail in various pieces of personal data and they will then provide to report by mail. The question is why is the process for both my wife and I so different for the millions of other consumers who are only trying to gain the most accurate credit data that the creditors are allowed to see. We already know and it is well known at the CFPB and by others that there are different reporting in place at Equifax concerning consumer credit reporting. We have also asked in those complaints to be able to use the PAID Equifax XXXX accounts, which we are also restricted from using. So when asking WHY these restrictions are in place that prevent us from seeing what the lenders and banks see, they refuse to answer those questions.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Consumer complaint received 2020-12-12
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. (CA)

i have a account from XXXX XXXX XXXX  XXXX account number XXXX its reporting on my credit report on XXXX  as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX  double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX  should delete this account from my credit report and make this right.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the credit Reporting act THE XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a dispute to Experian in regards to them furnishing information on my credit report without my consent that is XXXX XXXX XXXX XXXX XXXX The letter was delivered to them on XX/XX/2022, I also attached a return receipt requesting a valid response. I am aware that they have 4 days to respond by law in which today is now XX/XX/2022 and I am yet to receive a response. My original documents were all notarized as well.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Iam a federally protected consumer. I sent letters excising my rights on XX/XX/2021 and is now over 30days with no response. Pursuant to 15 usc 1681b any reporting agency ( XXXX, Transunion and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT AND THIS IS A DIRECT VIOLATION.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (NC)

I received an email from Chime stating my card was in the mail, this was approximately 1 month ago. I never applied for a card or an account with them. Today, XX/XX/2022. I received the card in the mail. I neither applied for nor wanted this card. I called the number on the back of the card to find out why it was sent and to get it canceled. I received no help from their staff to get this done other than say I could only accomplish this by sending them an email which I was not comfortable doing. I didnt want to send any info to a company I didnt know or have a relationship with in an email. 
All I wanted was to get this card canceled and my name and info removed but to no avail. 
In my opinion they are sending out cards fishing for new clients which I think is unethical. All I want is to have whatever info they have on me to be removed and the card canceled. 
I have already filed a complaint with the XXXX
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Submitting a complaint regarding post covid modification request. 
I called Wells Fargo on XX/XX/12 to advise I'm ready to begin making payments again. I advised I could make payments at a reduced amount and I was requesting a XXXX flex mod. 
I was given a deferral instead. 
Through an escalation process via their " executive dept '' they unwound the deferral and left my account in a DQ status without any assistance. Over a month later I'm still attempting the receive the XXXX flex mod. 
Per XXXX  lender letter XXXX reduced eligibility criteria. I should be eligible and no documents should be needed.
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

XXXX XXXX XXXX, XXXX first showed up on credit report last year. Called to take care of it with Health provider and insurance directly. They said I did not owe the amount and that the above Medical Provider was making false claims. 

It is now showing back up on my XXXX Report only as being reported on XX/XX/2020 with collection company GLA Collection Co., XXXX, KY. 
This matter started last year, why has it reappeared.
Consumer complaint received 2020-01-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SCA Collections, Inc. (NC)

Im a XXXX veteran. Before i got my V.A. XXXX I went to civilian doctors for my XXXX XXXX  XXXX, all of my medical charges were put into collection. It has hurt my credit score severely,
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I have been asking phh mortgage to reinstate my mortgage payments 6 times. Have applied for modification for 5 or may be 6 times. No help. Even as they say in they LOGO. We are here to help. They never help. I call and I talk to XXXX he is a special agent in the company the phone call fell. I left him 2 phone numbers. Left many messages. Never call back. Im behind on my mortgage. Went through hell during Covid. Trying to get back on my feet. There is a modification for a mortgage extension to 40 years. Why havent they offered me that extension. Why are they telling me to file bankruptcy. Is that help. What are they getting by doing that. Whats going on with this company.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any r
eason.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!