davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

We lost our jobs due to plant closing and XXXX.Less money coming in with more medical bills.We could not pay the bills.
we tried motification of house loan and was turned down twice.they said they either did n't get the papers or they were timely or incomplete. the day the forclosure notice was delivered we were on the phone with our case worker.He said he had no record of a forclosure. Sent same papers to the bank and the caseworker. with no help. after they put us in forclosure they called to see if we still wqanted to save the house. Soi they sent us another packet. This has been going on fo9r 10 months or morewithout them giving us any help.If they would have helped with the modification we would n't be having this problem [ interest on loan is 8.2 % ]
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NY)

AR Resources Incorporated has erroneous information posted on my credit file. I have disputed the account with both the credit bureaus and XXXX and they have still not provided with sufficient evidence and refuse to delete wrongful information from my credit file. 

The had 30 days by law to provide sufficient information which they did not. If they do not delete immediately we will have no other choice than to take legal action.
Consumer complaint received 2017-04-25
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. (MD)

Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc. (FL)

This company has been dutifully notified that they are in blantant violation o f Fla Stat 95.11  and the Florida Consumer Credit Protection Act as well as various subsections of the Fair Debt Collection Practices Act.  Advance Collection Bureaus has been told the letter of assignment has never been sent to a good address affording me the legally mandated 30 day direct dispute period prior to " LEGAL COLLECTIONS '' beginning. Also, this alleged debt is past the Staute of limitations to collect in the State of Florida. Also, a civil complaint has been filed with the State Attorneys office.
Consumer complaint received 2017-07-27
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. (IL)

XXXX has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (SC)

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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-09-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

Worked with speedy cash on a structured payoff plan that would allow me to pay off my debt in a reasonable amount of time and avoid the XXXX XXXX interest rate. 

I have been paying {$220.00} since XXXX XXXX every XXXX weeks. This amounts to a total {$5500.00} dollars that I have paid on a {$900.00} original loan. 

I have requested a restructured agreement that would allow me to pay down this debt that is now over {$1300.00} despite my consistent efforts to pay.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-02-15
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Date of Closure XX/XX/2019, from bank I have never heard of. The reason for reporting was account abuse the amount of the charge off is {$240.00}.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

Conns has called me no less tha n 15 ti mes a day from various local numbers. These calls start at   XXXX   XXXX   and continue all day. Oftentimes, these calls are placed a few minutes apart. I 've called  Conns  and requested a payment plan, which they said was granted. They collected a good faith payment and then began calling right away again. I can supply phone records if needed.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (AZ)

I had an agreement with Chase to settle a collection for {$1000.00} and I paid the agreed amount and they said that I did not pay the amount, I have lost a chance to buy a house for my daughter and I because of this illegal activity. Please see attached for verification.
Consumer complaint received 2021-08-06
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. (NY)

On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX  however XXXX, XXXX  XXXX and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX of XXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX  XXXX, XXXX, XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.
Consumer complaint received 2017-09-19
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: P.S.C., Inc (CO)

This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (WA)

i had problems transferring funds from my brokerage account with Robinhood into my checking account. Robinhood does not have a live customer service number, and the online chat does not respond to your queries, and at times there is no way to contact Robinhood because the app states that they are experiencing a high load of customer service requests and is unable to load chats or give callbacks. The app deliberately shirks its duty to provide customer service.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I have recently applied for credit twice and both times I have been denied due a public record recording on my file. My most recent denial states the only reason I was denied credit from XXXX was * A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. I have submitted a letter to XXXX in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report ( s ). This bankruptcy just recently appeared on my credit report within the last year. XXXX  shows on their report they are obtaining their information from a 3rd party Consumer company.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

From XXXX to XXXX, we repeatedly submitted requested documents and loan modification applications to XXXX consecutive servicers, the last being Shellpoint Mortgage Servicing on behalf of XXXX Mortgage. Shellpoint Mortgage Servicing approved our application for a reasonable loan modification with their standard loan modification in XX/XX/XXXX. After completing the trial period we received the permanent loan modification with contractual terms, conditions and financial obligations we found to be unfair and unjust. However, we accepted the loan modification under duress. We did this because to us this was a continuation of our 10 year struggle to obtain a reasonable loan modification that fairly evaluated the unique circumstances of the causes of our mortgage delinquency. We spoke to XXXX XXXX about our concerns and followed up with a letter and emails to the Shellpoint Loss Mitigation and Escalation departments. To date we have only received letters telling us that they are investigating our issue, but no one has called or written to us for input. Yet to date we have paid the monthly payments of {$2300.00} which we believe is too high for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX on time. This is the reason for our complaint and a request to Shellpoint for a 90-day grace period for submitting our appeal and for dealing with the additional expenses we incurred due to the effect of hurricane XXXX.
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (OH)

Ive been disputing with Equifax and am so concerned about their data breach affecting my personal information. There are inquiries for which have yet to be verified for which Ive been asking for them to be verified. None of them can be verified or has been. FCRA and The Comprehensive Credit Act of 2020 section 401 have stated these should not be on my credit files especially with no contract agreements to substantiate the inquiries. There are 2 XXXX XXXX inquiries from the same month that definitely should not be on my credit report.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (VA)

President Biden and US Congress do not allow any apartment management to harass a single parent who raises XXXX kids successfully during pandemic. I did not owe anything. We used one room. ( another room for other person ). A single parent and my kids have nothing to do with another person in another room. Harassing a single parent with XXXX kids should be halted. 
President Obama and First Lady XXXX XXXX  sent me a letter in person through US congresswoman XXXX XXXX for my daughter XXXX and me. 

Federal agency should instruct apartmanagement to stop harassment a single parent with XXXX kids who is US armed force veteran. 


As a single parent with XXXX kids, I try to buy a home in rural area, national credit system ( XXXX XXXX XXXX ) information in credit report should be removed to apply FHA loan, VA loan and USDA loan. 
Halt XXXX hate crime or Discrimination against XXXX Americans ( a single parent with XXXX kids ).
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (NJ)

in XX/XX/2007 both my wife and I lost our jobs at the same time. We had a mortgage with XXXX XXXX, who sold it to a company in California, XXXX. We hired a lawyer ( XXXX ) to mitigate for us, and paid him {$2000.00}. All he did was send some letters to the XXXX, He the n advised us, that this friend of his was interested in looking at our house. A gentleman showed up at our house, and said that he already purchased our mortgage from XXXX and, said that he was willing to make us pay interest only payments with a 7 % interest rate. being in that situation and fearing to be homeless we agreed. this gentleman kept on promising if we can get someone to refinance he would do it. meanwhile House prices declined and this gentleman wanted to much money for the property. No one would lend us for the price he was asking. At his mortgage rate we were falling further behind, Plus I was laid off again, and Hired another lawyer ( XXXX ) to see what he can do. After taking a partial payment of {$500.00} this man was impossible to get a hold of. We just gave up on him. The gentleman who purchased our mortgage filed for a foreclosure and we hired XXXX XXXX XXXX XXXX of New York and paid then {$3500.00} ( a great sacrifice on our part ). This law firm advised me to start a Bankruptcy claim to stop the sheriff sale, but offered no help doing it but said that the clerks at the bankruptcy court would help. I did my best and when I went back to the bankruptcy court the secretary said that the paperwork was good and I should wait for a court date. one week later a received a letter from the court with my court date listed. A week before my court date, I called the bankruptcy court again to see what I should bring with me. It was then that I found out that my case was dismissed because of missing documents and was also told that the lawyers of XXXX XXXX XXXX was already informed and that it went on a sheriff sale and my deed was now under XXXX XXXX XXXX and I lost my house. I meanwhile was never informed and did not know anything until I made that call. Know my fate rest under this XXXX who have already threatened to send the sheriff to remove me from the property. We are still trying to work with this XXXX to see if we can come to some sort of agreement, But thanks to the bad advice of the lawyers and law firm it is doubt full. I served this great country for 10 years in the XXXX and was willing to lay my life down if needed. Always paid my taxes and tried to be as honest as I could. So many promises out there to help, but all scams ( all set up to help people with good greadit only ) and no one does anything about it. This letter will probably not resolve nothing, but at least I had a chance to vent. 

Sincerely a disappointed and let down citizen of what 's called the greatest country in the world
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (MD)

I opened an account ( account no. XXXX ) with Barclays Bank Delaware on XX/XX/XXXX. I transferred {$45000.00} from my XXXX account on XX/XX/XXXX and after one day they suspended my account. I lost my online access to my savings account and I was not able to make transfers as well. 

I called them on XX/XX/XXXX and a customer representative told me in order to unlock my account, I would need to email my SSN, Driver 's License and bank statement from another bank to XXXX. The customer representative also said I should get a response from them within 3-5 business days. I did send my documents to that email account on XX/XX/XXXX and I got an automatic response said the system has received my documents and they will let me know if further actions are needed. 

5 business days had passed and I called them again on XX/XX/XXXX. Another customer representative said their team is working on this but there may be another 3-5 business days wait. This sounds ridiculous to me and I think Barclays Bank is playing a waiting game with me instead of verifying my information and unlocking my account. They should resolve this timely and I need my funds in order to pay my bills, credit cards, etc.
Consumer complaint received 2018-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.
Consumer complaint received 2018-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

my FHA mortgage loan is with XXXX XXXX mortgage .this loan was taken out in XX/XX/XXXX. I called the XXXX to have my PMI taken off my morgage and they said they would send me a form to request having it removed and that it was my responsibility to have it removed that they would not automatically remove it after reaching 80 %. i spoke to someone named XXXX ... since then i have received a letter stating the PMI premium is required for the life of the loan. Never received the form for cancellation. i am interested in paying off my loan ... but is hesitaint to do so until i can get this matter addressed ... the letter dated XX/XX/XXXX, was send to me by a XXXX XXXX ( mortgage insurance specialist. ) ... i  called the number on the letter and they said because the loan was taken out before XX/XX/XXXX it 's required to keep it for the life of the loan. i asked to speak to a compliance agent and was told no ... .i called my bank on XX/XX/XXXX and asked to set up an appointment with the bank manager XXXX ( us bank on XXXX XXXX in XXXX ohio ) number ( XXXX ) and was told she would call me back to make an appointment and she never did. NO ONE will help me, and i keep getting conflicting answers.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cadillac Accounts Receivable Management (MI)

on XX/XX/XXXX I got an email of an itemized list of money owed but I never got anything in the mail, just that reply to me asking if they could send me that list which they did. On XX/XX/XXXX I replied to the XX/XX/XXXX email asking if I could get a payment plan because I hadn't gotten anything in the mail since their XX/XX/XXXX emailed list. They replied on XX/XX/XXXX shortly after I emailed them saying " Your account was sent to collections on XXXX when we didnt hear from you until XXXX. We can activate the payment plan now but your account will stay in collections until the balance is paid. When would you like us to process the first payment? '' So only 9 days after they sent me the itemized list of costs they sent it to collections so they said. I never got contacted by the collection agency or by XXXX  to try and resolve this debt so I assumed it never got sent because I never saw it on my credit report until this year. I heard through emails of another company that they spoke to XXXX and was told by the billing dept that they had written off the debt but then like I said it popped up on my credit karma account a month or so ago.
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

Navient Solutions has been previously notified on several occasions that the only approved method of communication is via the recipient 's mailing address. As of Monday, XXXX XXXX 2017, the company continues to attempt communication through the utilization of phone calls. It is noted that Navient Solutions is not approved to contact the recipient via phone. A supplementary cease and desist letter will provide the recommended method of contact between both parties.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

I never received anything from creditor or debt collector i owed anything, I found out whn my credit score dropped. I have called and paid it over a year and half ago and have pleaded for them to take this off my credit. When I pais it they said they would now they won't help me.