davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ARVEST BANK GROUP, INC. (MO)

I had a secured credit card tied to a {$1000.00} CD that was supposed to mature at the Annual Rate with 350 % Interest payment, instead when I applied to cash in the CD and apply the balance to the credit card both transactions were disapproved without reporting why. I have mo idea since the business card does not report to credit agencies. I have never been able to get one loan, credit card, or any business funding out of Arvest Bank, I believe due to discrimination. 

In this transaction they disapproved the transfer of the CD to pay off the balance even though I have paid of the balance at least 5 to 7 times during the one year period. I have used the card for over XXXX in purchases. What makes the matter worse is getting a CD statement that says I was paid 150 % Interest per quarter giving me XXXX for a year. As a business man I would have never agreed to those terms in fact I know it was a lie because on XX/XX/2017 the day of maturity I was to there was XXXX on the card with XXXX dollar interest payment but the statement said differently. This was of course why it took 9 days to get a decision on the transfer meaning one more day I would have been stuck with the CD as collateral. Instead I closed the credit card and the CD and Arvest says I owe them {$110.00} I say I owe XXXX. 

They first violated the contract saying in a year I would get a regular card and could apply the CD to the balance. then took 9 days and emails to the CEO to get a letter emailed to me with their decision. We filed complaint with the company we have heard nothing back
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Our loan was service released to Shellpoint Mortgage back in XX/XX/XXXX, our loan closed as an escrow loan for Flood Insurance ONLY. We have made all of our regular payments consisting of P & I and escrow monthly payment of {$32.00} to cover flood only. We are responsible for making payments of Homeowners Insurance and Taxes. We made our real estate tax payment on XX/XX/XXXX in the amount of {$4500.00}. We also made our Homeowners insurance payment. Shellpoint Mortgage also erroneously made payment of taxes that were not part of our escrow payment. Luckily the county of XXXX returned the funds to Shellpoint which were deposited back into our escrow account. We received a new escrow analysis dated XX/XX/XXXX with an effective payment change on XX/XX/XXXX. This analysis included escrow payment for taxes, homeowners insurance, flood insurance and PMI. The escrow analysis showed a monthly increase in payment of {$840.00}. I called Shellpoint Mortgage on XX/XX/XXXX to dispute the incorrect payment increase. After receiving incorrect information with the customer service representative XXXX XXXX, I was transferred to a Supervisor who assured me she was sending information to the Insurance department to get my payment corrected to reflect escrow for flood only. I received my monthly statement for the month of XXXX with still no corrections made. I called again to speak to a customer service representative on XX/XX/XXXX, she was very polite and asked me to go to the website and enter an inquiry as it would help speed the process up. I received an email on XX/XX/XXXX from Shellpoint letting us know they received our inquiry and they would respond as soon as they could. It is now XX/XX/XXXX, our payment has not be changed to reflect the correct escrow payment. The second escrow analysis sent to us on XX/XX/XXXX is still wrong as it is reflecting an escrow payment for PMI. Our loan does not require PMI nor has Shellpoint Mortgage ever made a payment to a PMI company. All I am asking is that my account is set up correctly in their servicing system to include the correct escrow requirement for Flood ONLY. We want our payment adjusted to reflect the correct amount. This should not bee difficult for them to do.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recon Trust sent documents that raised more questions what is the actual foreclosure date XXXX XXXX or XXXX XXXX Why was there XXXX Trustee Deeds Upon Sale Recorded The purchaser in XXXX XXXX received a Quit Claim Deed - signed by Notary XXXX XXXX XXXX - document unable to be verified by county recorders notary division - XXXX XXXX XXXX - Certified No Record Found XXXX XXXX XXXX is the same person whom posted Certificate of Posting XXXX ( received by XXXX XXXX in XXXX XXXX my first time seeing notice ) XXXX XXXX XXXX is also the Quit Claim Deed notary to Investor in XXXX XXXX - Certified No Record found appears to be fraud and Void
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (AZ)

XXXX XXXX claims i have a contract with them. They claim i signed a 2-year contract & want to charge me {$390.00} for something i only had for three days. I found their service inferior. I explained to Discover Card that no one had explained to me that I was signing a contract and the only one with documentation was XXXX XXXX. This is not a valid contract because no one explained to me that I was signing a contract ( the installer had me sign something like an Ipad and never said that this was a binding contract ). Therefore and I explained this to Discover Card, I do not feel I signed a valid contract & can not understand why Discover can not understand this. XXXX XXXX sent them the contract which I never got and Discover agreed with them. With no meeting of the minds, there is no contract!!!!
Consumer complaint received 2022-03-31
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. (PA)

Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX, PA XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: POPULAR BANK (NY)

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and stXXXXessed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.
Consumer complaint received 2017-11-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX XXXX XXXX 's from XXXX XXXX firm was asked TWICE not to contact me at work and continued to do so. He would call my place of employment repetitively would and would let the phone ring an excessive number of times. Because I work in a customer facing environment, this created a challenge for the daily operations of our branch as well as having the phone line free for our customers to reach us. XXXX XXXX called my employer AGAIN on Friday XXXX XXXX, XXXX and this time told one of my employees that he was " my buddy '' and released information to her about a signature that he needed to obtain. I would to formally request this company be looked into. They are calling me from XXXX. Also they have called me from local numbers such as XXXX. The calls to my employer are the most concerning considering I have asked this gentleman to cease contacting me at work on two occasions.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

In XXXX of XXXX I was approved for a modification to start payments by ocwen/PHH. They contacted me and told me it was an error. They would not allow the payment. 

I contacted the Hardest hit fund and was told I qualified for a {$50000.00} principle reduction. The counselor said she needed to speak to their contact at ocwen first to assure they would accept the terms. She needed to do this because the program was ending and she did not want to do all of the work if they were not going to accept the money. She contacted me a couple of weeks later and said Ocwen advised her they would accept the payment. After all the work was completed and she submitted the paper work to ocwen they refused to accept the {$50000.00} payment. The program has since ended but I have my documentation. 

This caused me to go into XXXX XXXX XX/XX/XXXX to save my home. During the pandemic I lost my Job and Business. 

Therefore, I could not make the payments and loss my bankruptcy in XXXX of XXXX. I approached Ocwen/PHH for a Modification they denied saying no more modifications. But modifications were not truley approved. Only as a documentation for the record but never completed. 

Also during bankruptcy according to the trustee I paid {$30000.00} on my mortgage balance. It does not appear as all was posted. 

















XXXX
Consumer complaint received 2021-05-22
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: Bread Financial Holdings, Inc. (SC)

XXXX XXXX  or CCB/comenity bank has been moving late payments around on my credit report for years and have been doing this fraudulently and reporting false information! Ive reached out to them constantly dispute after dispute and no one responds within the 30-45 day time frame. These late payments need to be removed because they are FALSE REPORTING!
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (WA)

I have an account showing on my credit report for DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX that was placed on my report and listed as opened XX/XX/18, this was actually a balance from 2 1/2 years ago that I knew nothing about and contacted the original creditor and they agreed to delete the item if I paid it. I paid in full the item was deleted. a month later the item re appeared, I disputed and contacted them and they sent me a verification letter that the item would be deleted. I sent this to each credit agency and 3 months later it is still on my report!
Consumer complaint received 2019-05-22
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts ... XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

Hello, My complaint involves my bank account. On XX/XX/XXXX it only had {$15.00}. On XX/XX/XXXX I checked my account and it had {$220.00}. I thought this was weird but I triple checked my with drawls and everything looked accurate as far as what should be remaining in my bank account. This morning I saw that I have a - {$110.00}. I am frustrated because after seeing I still had {$220.00} in my account on XX/XX/XXXX. I went out and spent money and now due to some mistake in the system I am in the negatives. I have an alert set up so that if I am ever under {$30.00} it alerts me, I never got the notice that I was under {$30.00} because my account showed that I had {$220.00}. So please explain to me why on earth my bank account even showed I had over {$200.00}. If a transaction is pending it still shows the amount being withdrawn. I'd like this issue to be resolved as soon as possible as far as what my account is telling me a balance that may or may not be accurate.
Consumer complaint received 2019-05-22
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. (CA)

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 
<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

<br> COLLECTIONS <br> 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account. 
<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BROKER SOLUTIONS, INC. (MO)

My husband and I got hard to inquire in XXXX  and XXXX By XXXX XXXX were we did not provide permission to pool our credit score. today XXXX someone from new American funding collected our personal information to consult a possible founds to buy a home but it was a consult and we did not give permission to someone else to pool our credit. now we found that my XXXX  and XXXX has hard enquire. 
we are sure this agent is responsible for this issue Name of the agent is XXXX XXXX We are taking care of our information safe but today we are victims of this situation. 


We want to get faster solution because it is affecting our future dreams.
Consumer complaint received 2017-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lockhart, Morris & Montgomery Inc. (KY)

Lockhart, Morris and Montgomery has reported a collection account with a balance of nearly {$5000.00} on my credit reports. They repeatedly contacted my dad, even though I am XXXX XXXX XXXX in an attempt to collect a debt that I even owe. There is no judgment against me. When they called my dad they did not identify themselves as debt collectors and tried to find out my contact information and location. 

They even contacted my grandparents on the phone to try and find me. My grandparents were very upset by this.
Consumer complaint received 2019-05-22
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)

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account.

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account.

<br> COLLECTIONS <br> 5. XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account.

<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I have been told by this company for a full XXXX months that they " can not locate '' my paperwork on my loan. Today they informed me that it is the application they can not find, and they claim that they have been requesting it. If this were actually true, they would have it if they had been requesting it for XXXX months. However, as an intelligent and decent person, I happen to have the original application on file. I have forwarded it to them along with the PMI section of my legal loan application, stating that I can have PMI removed as early as XX/XX/2021. I have been asking for it to be removed since XXXX XXXX XXXX, and all they do is blatantly lie to me. They claim that I can not request removal, but I have the documents that state I can request removal as of XX/XX/2021. I want the PMI removed immediately. I emailed them the verification that I am well within my legal rights to have had it removed months ago. I have proven they have been misrepresenting the truth, and I want them to do the legal thing and remove my PMI.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WA)

I have been a customer of wise.com for many years and have frequently and successfully transferred money from US Dollars to EUROs. On XX/XX/XXXX, Wise sent me an email to say that there was a verification problem for my account. Upon sending the requested information and verifying my identity, they responded on XX/XX/XXXX that my account was active again. On XX/XX/XXXX, they again emailed to say there was a verification problem. I went through the same process to verify my identity. This time, however, Wise reported that they were not able to verify my identity because they " couldn't accept the photo '' I had sent them ( the same information that had previously been accepted ). 
After going through the process of trying to prove my identity several times, I eventually asked to close my account through one of the options Wise 's process presented to me. Wise sent an email on XX/XX/XXXX saying that they decided to keep my account closed. They promised a refund of my remaining balance within 10 working days. 

Now, in XX/XX/XXXX, I still have not received my remaining balance. Further, Wise completely blocked access to my account : I am not able to see what the remaining balance is and even worse, I'm blocked from reaching out to their customer help center since it requires being logged in! 

At this point, I suspect that Wise has frauded me out of my remaining balance, since there has been no attempt from the company to address this situation and they provide no way to reach them.