davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2019, I spoke with, XXXX, a representative with XXXX XXXX XXXX credit card. I informed him that some of their calls were not returned as they come up identified as a telemarketer and no one was leaving a message. He said he understood. He then went on to demand that a {$280.00} payment be made by XX/XX/2019. I told him that some agreement would need to be made as I send {$100.00} every two weeks and hat is all I can afford to send due to Federal Student Loan taking so much out of my pay every 2 weeks that I am left with nothing to spare. XXXX simply stated that, unless {$280.00} was there by XX/XX/2019, the fees were going to continue to be assessed and the required monthly amount due will increase. He would not waver from this blanket statement to discuss a payment arrangement. 
Though this number calls everyday, at least 3 or 4 times a day, XXXX was the first to leave a message. His message threatened to make a legal decision for me if I did not call back by XXXX and he identified himself as being with XXXX 's 20 %. I assumed it had to be the credit card and returned the call.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX   in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX Equifax, and XXXX XXXX.
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.
Consumer complaint received 2018-03-06
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. (AZ)

I was late on a child support payment in 1999. It is still being reported on my Trans Union credit report even though the " STATUTE OF LIMITATIONS '' is over. This should have been removed from my credit report nine years ago!. I have asked via mail that it be removed and they came back with a letter stating they had verified it's accuracy. Yes, it was accurate. However, it is a clear violation of the 7-10 year statute of eliminations.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

A company named PYOD LLC is reporting an unpaid amount on my credit report. I did not open the account, I have never received correspondence from them about an account and I have attempted to dispute it to no avail. 

I believe I have been a victim of identity theft. 

Here is the information from my XXXX XXXX credit report : Creditor Name PYOD LLC Account No. 
XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX The short sale was started XXXX/XXXX/19 with SLS. On XX/XX/XXXX we were told the file was complete. 

We were just told today that underwriting somehow allowed some tasks to expire in XX/XX/XXXX, requiring the file to be re-underwritten. XXXX claims the file is currently still in review, but I told him that is absolutely unacceptable, as our sellers, buyers and ourselves have met every demand that SLS has issued to us in less than 48 hours. The buyer agreed to their counteroffer on XX/XX/XXXX, and we are nearly 30 days out from that. The fact that underwriting on the file had expired is through no fault of anyone but SLS, and I expect SLS to remedy it immediately. I also can not get confirmation from SLS that it was send to the investor, XXXX XXXX. 

I want SLS to be investigated for these continual and deceptive communications.
Consumer complaint received 2020-01-28
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: Phoenix Financial Services LLC (FL)

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company  must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-01-28
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted transunion numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

Unknown company, unknown debt. They claim I owe them through another company. I don't have a signed contract with this company, They have no authorization to run my credit. Never received any proof of a signed contract between me and this company
Consumer complaint received 2020-01-28
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-02-15
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: JPMORGAN CHASE & CO. (CT)

The reason for my dispute is because Ive been trying to dispute charges on my Chase Bank credit for {$2500.00} for charges paid to XXXX XXXX XXXX last XX/XX/2017. But I did not receive all the services that I purchased, I have tried to reach the merchant to get my money back, but I havent been able to reach them. I need your help getting my money. I paid them to create Social Media websites such as XXXX, XXXX, XXXX etc.., Coaching once a week and a Commercial Video. 
I answered a telemarketing call ; the sales representative used high pressured sales tactics and persuade me into thinking that it was crucial that I connect my online business website with the social media sites and by doing so it would connect links to my site and generate a great deal of business. He said it was key to achieving a successful online business. 

XXXX XXXX XXXX XXXX. misrepresented themselves and I now realize that this is yet again another scam and I was seriously taken advantage of by XXXX XXXX XXXX.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (UT)

I have recently completed 12 months of on time payments after completing a forbearance. 

I asked my servicer ( RoundPoint ) through their customer retention group to reach out so I can talk to them about refinancing my loan ( throughout the forebarance my credit to a hit because the payments were reporting late ) No response. I followed up with another email two weeks later and received no response. 

I then reached out via email to the customer service group. I received a notice that the request had been received, but no response. Prior to this, the customer service department has been good about responding. I send another message a week later to follow up on my question. 

My hope is that my servicer could assist if anyone can due to the credit hit. I can accept a no, I cant accept being dismissed as not important enough to respond to.
Consumer complaint received 2019-03-18
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. (NY)

I was a victim of fraud while in college XX/XX/XXXX-XX/XX/XXXX there were 8 credit cards opened in my name sent to addresses 80miles from my college I never rec 'd nor used these cards they were even paid on I never had a bank account I have called the original creditors they agreed they were not sent to my DORM or paid for by a bank account in my name I diputed with all three credit reporting companies sent police report FTC report proof of address at time these cards were opened .. ( I never lived where they were sent ) XXXX and XXXX removed this fraud Equifax has not and will NOT block the fraud even with the police and FTC report they received. Please help me
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer report and I noticed that I had 5 late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint on dates ( XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were later. If proof can not be provided I demand these payments be updated to PAID AS AGREED on time as they should be due to the fact I was never late! Thanks, PLEASE see screenshots attached
Consumer complaint received 2018-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I purchased cryptocurrency through Coinbase. They were happy to TAKE my money. Then i sold my cryptocurrency through Coinbase on XX/XX/XXXX. The proceeds from the sale have been in a " pending '' status to this day, XX/XX/XXXX. I submitted a support case and they responded with a less than usefull response and still no release of the proceeds. Oh yeah, my currency is gone so I have neither the currency or the cash. I've tried to call but after being on hold for 20 minutes while not once talking to a human, i hung up. Coinbase is a sham.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (UT)

Message : I, along with others ( check their comment sections ) continue to have problems with them allowing to withdraw money. They quickly withdraw from my bank, but it has been 3+ months in trying to get them to allow me to withdraw any money. There is always something else I need to do or they just don't respond. I want law enforcement to look into their website and business because I believe they are involved in mega fraud. I don't know where else to go for help.

This is my latest response from them : eToro Customer Service XXXX XXXX ( 11 hours ago XXXX XX/XX/2021 to me Hi there XXXX, Thank you for your email. 
We have well-received copies of your Utah driver licence. Nevertheless, we also require a clear picture of yourself in order to fully verify your account. 
If you wish to close your account, you can follow the self-service account closure link at the bottom of your Account Settings : https : //www.etoro.com/settings/account Note that before the account can be closed, all open positions must be closed and any remaining funds withdrawn. 
Upon closure, your email address will be automatically removed from our mailing lists. 

Also note that once the account is closed, it can not be reopened. If you wish to trade with us again in the future, you are more than welcome to open a new account with a new username and email address. If you wish to use the same phone number. Please contact us after opening the new account and we will be happy to verify the phone number manually. 
Should you require further assistance or information, please reply to this message or chat live with us during our business hours. 

Best Regards, XXXX XXXX. 
eToro Customer Service My reply Cut the garbage. My photo is on my drivers license and there is nowhere in your system to post a picture. Just return my money by allowing me to withdraw. And your error message always refers me to customer service which is non existent!! There is no phone number to resolve issues and seldom do I get a response from email within several days.You have no customer assistance. I have never been so disturbed by a website as I have with this one. 
Copy of this email is sent to CFPB for financial fraud.
Consumer complaint received 2022-05-02
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)

Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX XXXX. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to sw every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One has been sending me misleading " Pre-Approved '' emails as both XXXX ads and as regular emails. I am not pre-approved. What does " See if you are Pre-Approved '' mean anyway? Nothing, thats what. The put hard inquiries on my credit, which I have already gone through the Washington State Attorney General 's Office about. Now I am asking them to stop spamming me with unwanted emails and ads. I actually talked to someone on the phone about it at their company, but it still did not stop.
Consumer complaint received 2024-02-27
Product: Credit reporting 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. (IL)

I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with Equifax and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX, I was transferred to Mr. Cooper from XXXX. On XX/XX/XXXX, XXXX transferred the remaining escrow balance in my account to Mr. Cooper in the amount of {$5000.00}. On that same day, the {$5000.00} is shown leaving my Mr. Cooper account then subsequently being reapplied to my account. On XX/XX/XXXX, the amount was again deducted, reapplied, and deducted once more. For two weeks, I let the account sit to see if the money would come back. I called and was told they would check on that for me and call me back. I received no callback. I called in again and was escalated and told the issue would be resolved. No resolution. I called a third time. A week after my third call, an amount totaling {$4700.00} was applied to my escrow, short {$260.00} of the total missing amount. I've since called a fourth time and been told the issue was still active with account services and to expect a response by Friday ( yesterday ).
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I contacted my lender SPS over the phone was told they need 37 days prior to sale to have my file reviewed for loss mitigation/ loan modification assistance, XX/XX/XXXX I submitted all their requested documents on line at the SPS Portal have a third party authorization uploaded with all my income, assets, financials and they did not touch the file until XX/XX/XXXX, when I called to follow up they said the system will not accept any loan modification request that I must re-instate my loan as the sale date is XX/XX/XXXX and there isnt enough time. After being on the phone numerous times they refused to escalate even speaking with a manager in loss mitigations They said I was denied for loan modification back in XX/XX/2017 and I do not qualify for change in circumstances, even though I am self employed my income has increased and I have already filed my XX/XX/2017 taxes and know exactly my income is at least {$1000.00} a more month which could potentially help me get a modification per SPS denial letter from last year I did not make enough to qualify. 

I am very frusterated as I have been a good paying customer and now that I have had a hardship they do not want to assist and will not even review their protocols to see what exactly their procedures are here. I even wanted to send then correspondence in writing requesting a QWR and it took them over 2 weeks to give me the address for that. My family has lived in this house over 10 years we grew memories here I am a unmarried woman and need help and my income is solely mine and I am confident as a XXXX XXXX XXXX I can start my finacial freedom with my mortgage brought current if they just accept my application for review. I do not know where to turn the sale date of my home is set for XX/XX/XXXX, I think it is unfair for SPS to now do their due diligence to assist me rather keep repeating the same information " not enough time to underwrite a file ''. I have called and asked them to send me true denial letter that I do not qualify but the generic letter they sent me does not state anything except for validating I am calling them for assistance, I need CFP to get in contact with them and turn this around for me so that I can be reviewed for loss mitigation and since the file is complete they should be able to postpone my foreclosure sale date. 

Please I am desperately seeking help.