davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

After years of SPS telling me that XXXX XXXX  is the Trustee on my loan and XXXX XXXX  telling me they are not the owner of my loan, my attorney received a notice in the mail stating there is no trustee of record listed and the supposed foreclosing lender is XXXX XXXX  XXXX XXXX. However, in XXXX SPS and their attorney published something in the assessor 's office with a handwritten document that XXXX XXXX  is the trustee on my property. We have asked for a copy of the title to my home. And have yet to receive it. The only thing I have received from SPS is a letter stating XXXX XXXX  is the trustee. How can they foreclose on my home without the title? It was supposedly assigned from XXXX to XXXX XXXX  in XXXX, but against Oklahoma law that states it should be filed within 6 months of assignment, but this was 2 years. They are set to sell my home in 2 weeks, and I have nowhere to go! I am a single mom of 3 and have been in my home for 15+ years. SPS will not stop until they get money or get my home. I will be homeless.
Consumer complaint received 2020-12-11
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Update Experian report XXXX XXXX XXXX XXXX, XXXX XXXX IQD paid in full XX/XX/XXXX Account # XXXX {$590.00} IQD paid in full XX/XX/XXXX, Account # XXXX {$550.00} IQD paid in full XX/XX/XXXX, Account # XXXX {$2300.00} No judgements and No Eviction satisfied debts clear rental history The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XXXX XXXX, XXXX
Consumer complaint received 2021-07-20
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. (PA)

I recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I live is XXXX XXXX texas on XX/XX/XXXX I made a transfer through wells fargo transfer that never reached the beneficiary that was XXXX in XXXX I have tried through my bank but without success I have not been able to recover the money back could someone contact me the XXXX / XXXX  is XXXX. My phone number is. XXXX XXXX. If there is a customer service line or someone who can contact me please. I have month 's trying to get a solution and today the bank manager tell me I have to contact the other bank the have the funds sounds like a joke.
Consumer complaint received 2018-03-03
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. (NY)

IN XXXX OF 2017 I DISPUTED THE ACCURACY OF THE BELOW ACCOUNT WITH XXXX, XXXX AND EXPERIAN. AS SEVERAL THINGS ARE INCORRECT. XXXX AND XXXX   DELETED THIS ACCOUNT FROM MY CREDIT REPORT, BUT EXPERIAN REFUSES TO REMOVE IT. I DO NOT AGREE WITH THIS, AND WOULD LIKE IT REMOVED. 
- Balance {$4900.00} Balance Updated XX/XX/2017 Original Balance {$23000.00}
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Chase has many cards ( 9! ) that have Ultimate Reward points. The Freedom Unlimited card, the regular Freedom card, the Sapphire card, the Sapphire Preferred card, the Sapphire Reserve card, the Ink Unlimited card, the Ink cash card, the Ink Preferred card and the Ink Premier card ( which is a new card ). 
The way it always worked was that all these points can be moved around to each other ( under the same household ). I had XXXX points on my Ink Premier and around the same amount on my Ink Unlimited card. Ultimately I wanted to use them to transfer to an airline of my choice. So to make it easier to track, I decided to combine them into 1 account. So on XXXX XXXX XXXX I moved my XXXX points from my Ink Unlimited to my Ink Premier.

Then I realized to my horror that not only can't Ink Premier points be transferred to airlines, I can't even move it back to the card it came from! The Ink Premier card is a trap, it's the ONLY Ultimate rewards card that can receive, though can't send! So now I'm stuck with such a huge amount of points that I wanted to use to fly and instead just stuck with their lousy cash back option. 
Very very upsetting and very unfair that all other 8 Chase ultimate reward cards, points can be moved in and out, and the Ink Premier can only receive! If Chase wants the Ink Premier card to be a different product than all the other cards, then they shouldn't let points in as well.
Consumer complaint received 2020-11-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

On Monday XX/XX/2020 I was contacted by XXXX XXXX XXXX XXXX. about a debt collection for private student loans from HESAA, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and XXXX XXXX XXXX refused to work out a reasonable payment plan. Also on the HESAA website it states " During the pandemic emergency, HESAA instructed its private collection attorneys to suspend involuntary collection activities related to defaulted NJCLASS loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted NJCLASS account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted NJCLASS loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (SC)

I submitted disputes for the month of XXXX. They have on record. Then they sent required paperwork to wrong address 4 times. After I corrected. Locked.me out my account three times because the guilty party. Changed the account information. They have tied me up 100 hours in their automated nightmare in obvious attempts to get me to just give up all together so that they don't have to give me the money that is insured by the Federal deposit insurance corporation. This is my XXXX money given to me by the government and if not for the fact that I was XXXX no regular American consumer would ever have the time I've spent on these phone with these people trying to get my money
Consumer complaint received 2018-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd. (TX)

I received a payday loan from the Cash Store approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from XXXX XXXX XXXX. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. Cash Store said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (AZ)

I have a garnishment from the company Unifund, CCR,, LLC and XXXX XXXX XXXX that I was never served any paperwork for nor even given a chance to respond. They have never attempted to contact me nor given me an opportunity to dispute this debt or resolve. They just keep filing motions without serving me which has now caused me extreme hardship seeing that I already pay $ XXXX  month in child support and carry health insurance for my youngest daughter.
Consumer complaint received 2023-02-23
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. (NC)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

My last successful login and action on my account was on XX/XX/XXXX involving the selling of all crypto assets ( ~ {$4000.00} USD ), and keeping said assets in my USD wallet account - This was done on XX/XX/XXXX at night Pacific Time, though I do not know the specifics of the timing.  Any actions conducted from XX/XX/XXXX onwards were not authorized by me. The motivation of selling said assets were to prevent my total capital gains from falling as the crypto-market was bearish. Likewise, I've always kept my crypto trades a secret from anyone. 

On XX/XX/XXXX, suspiciously convenient unauthorized actions were performed purchasing {$3000.00} and {$1000.00} worth of BTC on XX/XX/XXXX. I have confirmation e-mails of said actions that were received around XXXX and XXXX XXXX respectively. What is even more suspicious is that at XXXX XXXX, my 2FA settings were changed, though I did not receive notice of this until after my account was compromised. Likewise, a request to change my e-mail account was conducted at XXXX XXXX. 

I noticed these attacks an hour later after they happened, and unfortunately, immediately had to wait for another 2 hours or so waiting for the customer service fraud hotline to speak to me regarding my account. I felt extremely panicked especially when I logged into my account to check whether or not the deposit of {$4000.00} into my BTC was made - it was not.The call was rather unhelpful, as the only actions performed were to disable my account, and refer my case to a " specialist, '' with no time-frame given to as me when the issue would be resolved. 

After a LONG three-weeks after the incident, I received feedback on my case questioning the security of my household and wether other individuals had access to my information/codes. At the time, my household only contained two individuals - my mother and I - so naturally, I found it offensive that they questioned the integrity of the security of my household when this case arouses suspicion of internal fraudulent activity. 

Likewise, Coinbase suggested that I change the passwords of my Coinbase account, and to run malware scans on my computer, and to change my password of my e-mail accounts - all of which I had completed during my following customer support call. After having updated all that I can, I have not received any further communication with Coinbase since. Moreover, I remain locked out of my account with no ability to recoup my money that remains in my account. 

My case number : # XXXX Email : XXXX Phone Number : XXXX Side Notice : I had previously transferred money to a different wallet ( to XXXX ) in order to purchase XXXX   before. The documentation and evidence of this is attached as the e-mail correspondence with CoinBase suggests that I had chose to externally transfer my funds outwards. I have no e-mails confirming this except the one time transfer I made from Coinbase to XXXX in order to purchase XXXX. This can be cross confirmed with XXXX.
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX  and Transunion along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Consumer complaint received 2022-11-16
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. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-17
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. (TX)

I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMPQUA HOLDINGS CORPORATION (WA)

On or about XX/XX/2020 the Manager Of Umpqua bank ( XXXX XXXX XXXX ) Branch Called My Home at XXXX to inform Me what I can Or Can not say on the Public sidewalk in front of the Umpqua Bank in XXXX branch??? Therefore I informed the new Manager She couldn't Tell Me What I can say on the Public Sidewalk!!! She sent me a letter that said My account is closed!!! It also said be sure to transfer Your Social Security Deposit to Your new financial institution ... I did what they said!!! They sent Me a partial payment of one of my accounts with no explanation of Where my money went ... XXXX I received A cashier 's check for $ XXXX of My $ XXXX Social Security had sent Me on XXXX with no explanation where the other monies from My Accounts Went??? It gets Deeper and More confusing for Me because I am XXXX ... I am an individual with Extraordinary Issues The New Manager Just Does not understand!!! Her Job is banking!!! My Job is Living with a XXXX that I do not understand well and Even the Drs. Barely Understand!!! I have been belittled and stollen from by the new manager at Umpqua Bank XXXX ... I went to XXXX Newest Bank ( XXXX ) and the old Manager of Umpqua Bank is there!!! I am Welcomed at ( XXXX ) with open arms!!! And my favorite tellers from Umpqua are at ( XXXX XXXX XXXX ) Too!!! I asked a teller why she changed banks from Being a teller at Umpqua to ( XXXX ) XXXX branch and She said She didn't like the New Manager at Umpqua Bank of XXXX XXXX  Branch!!! Hmmm ... Imagine that???
Consumer complaint received 2019-08-20
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. (CA)

The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-07-17
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. (TX)

I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The company is XXXX XXXX XXXX XXXX n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that XXXX XXXX is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to XXXX XXXX on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that XXXX XXXX never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want XXXX XXXX to update bureau 's all 3 on me n wife n show XXXX balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX  out of them.