davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

In XXXX, I refinanced my mortgage with XXXX XXXX. At some point, I decided to pay my mortgage by Electronic Funds Transfer. In XXXX, I was having XXXX XXXXXXXX, and asked for paper billing. I received paper billing, along with a letter stating that I had been paying my mortgage on 2 bills. XXXX XXXX, then stated that I would be given the newer number, dropping the first mortgage. After a couple of months, XXXX XXXX changed my mortgage lender to Specialized Loan Servicing. I continued to pay my mortgage to Specialized Loan Servicing. When I decided to refinance this past year, I was told that there was no record for between 10-24 months, of my Mortgage being paid. I  contacted CPFB, and requested that my account be brought up to date, and that my payments be reflected. At this point, I feel that XXXX XXXX absolutely did the wrong thing when they duplicated my mortgage payment, and that is grand theft. I also feel that Specialized Loan Servicing, by not making note of my payments, for 10-12 months, also negatively effected my credit.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NY)

Complaint involves an unauthorized transaction on my PayPal Account on XXXX-XXXX-18 in the amount if {$1100.00} ( {$980.00} EURO ). I recd a text from PayPal on XXXX-XXXX-18 @ XXXX XXXX  alerting me they discovered a suspicious transaction ( after making the payment ) and asking me if I authorized it. Less than 1 minute later I responded to the text advising I did not authorize it. On XXXX I called PayPal and spoke with a rep. who confirmed my complaint and advised I would not be responsible for the charge since I did not authorize the transaction/payment. Then I receive an e-mail stating they are denying my complaint based upon their investigation.
Consumer complaint received 2020-11-16
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. (FL)

XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Consumer complaint received 2022-10-06
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX this bank pulled my credit bureau report without my authorization and as a result now have a hard inquiry. I dont have an account with this company, nor have I ever applied for one. I need all inquiries by this company immediately removed.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I was contacted by Navient by email about a payment due of XXXX on XX/XX/XXXX. The total due was XXXX plus interest ( XX/XX/XXXX ). Since that time I've been trying to find out why I suddenly owe this money. My loan was completely paid off and I received a letter of this on XX/XX/XXXX. Not one person out of the multitude I've spoken to from Navient and myeddebt.ed.gov can show me exactly why I now owe this money. I've searched the websites off both companies logged in under my account and I don't see anything to support what little information I have gotten from them. I've searched my bank records for anything to show what they are saying is why I owe. I've provided those records to them to show that they're wrong and was told I still owe. I will pay this amount if they can show that I absolutely owe this. But they have yet to do this and are still harassing me saying that I am behind. Also you can't contact the Department of Education directly to dispute. They just auto transfer you back to the debt collector.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a monthly subscription to XXXX XXXX XXXX. I cancelled this recurring charge in XXXX. On XX/XX/XXXX, I was charged again, not for one month but for two months this time. XXXX, the company charging me, has no record of a current account with them. So I disputed with Capital One. They reached out to XXXX, who said they have no record of a cancellation, even though they told me there is no record of an active account. 
Capital One overturned my chargeback and charged me for this. I was able to find verification of my cancellation, but it was only an email that came at the end of my subscription -- which came XX/XX/XXXX. I submitted this to Capital One, but after seeing the date of the email, they refused to consider it further, even though it was not the email I received upon cancellation ( I could not find that email. )
Consumer complaint received 2020-05-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NJ)

We have had ongoing issues requesting payoffs from PNC. It takes days, and many requests need to be submitted various times. On the last loan, we sent in 4 requests over a 15 day period only to then to be  told that our Borrower 's Authorization document was over 30 days  old and our request was being denied. ( we had a previous payoff from XX/XX/XXXX so they knew we had authorization ) No one informed us of this until I called in and made a verbal request today ( XX/XX/XXXX ). 

This is absolutely unacceptable. We do not have this issue with other lenders. Most payoffs can be easily requested either online or via phone. Of course you need pertinent borrower information, which we already have since we have their new loan in process. 

I can't help but think this practice is an effort to make payoff more difficult for clients.
Consumer complaint received 2018-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (WA)

I have a loan with volkwagen credit. They have blocked my number, they are accepting my payments and cashing my checks for my new car. They denied I have an account with them when I blocked my number to call. I asked for a supervisor then was hung up on again. I've never been sent ANY DOCUMENTS AND THESE THUGS BLOCKED MY NUMBER WHO SERVICE MY LOAN??????
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card with Capital One. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with Capital One without getting anywhere. I would like help to get Capital One to update this account with credit bureaus. 

Thanks.
Consumer complaint received 2020-07-10
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. (CO)

XXXX, Equifax and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Consumer complaint received 2017-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

XXXX, The last few letters I sent I listed several basic requests for information that you refused to provide. In fact, you decided to send the same exact response twice ; not the least bit clever. Ill remind you that it is illegal and punishable to purposely withhold key information relating to credit disputes and investigations. However, I see that all tradelines from my XXXX report have now been removed. As it stands, XXXX is the only credit bureau left for you or XXXX to authorize the removal of these ridiculous and fraudulent tradelines. I recently disputed the tradeline with XXXX for the 100th time, and provided proof that the tradelines were deleted from XXXX and XXXX. I 've attached the supporting documentation. Yet, your response to the credit dispute on XXXX XXXX 2017 was again the tradelines are correct and will remain. We all know this an FCRA violation- you cant report that an account is fraudulent to one credit bureau and report the same account is valid to another credit bureau. Reported information to the credit bureaus must be the same information across all three reporting agencies. Of course, I disputed the matter again on the same day with XXXX only this time I expect that you or XXXX  will remove the remaining four ( 4 ) tradelines from XXXX immediately. I understand you have no regard for consumer protection laws and believe that I will somehow magically pay off this Phantom Debt, but you are mistaken. If you have a pinch of integrity and honesty then do the right thing ; remove the tradelines. If not, I will keep fighting and disputing for however long it takes.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

This not a duplicate this a letter Demanding the CRA XXXX, Equifax and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, Equifax, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/2020 XXXX XXXX made a hard inquiry to the 3 credit agencies and Equifax 's score based on FICO Classic V5 Facta indicated a " Key  Factors effecting score '' to include " Level of Delinquency on Accounts '' and " Number of Accounts with Delinquency, '' however, when I reviewed my Equifax credit report, generated XX/XX/2020 with an Equifax agent, we agreed that there was nor have there been any delinquencies. Equifax indicated there is nothing they can correct if there is not a specific item I am disputing, so they have taken no action. I spoke with XXXX XXXX this morning, XX/XX/2020 and they confirmed this information is provided by Equifax.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On the XXXX statement for payment due XX/XX/XXXX, Mr. Cooper suddenly increased the payment from {$1300.00} to {$1700.00} with no explanation. I called Mr. Cooper and they stated it was due to an anticipated increase in our homeowners insurance which doesn't come up for renewal until XX/XX/2020. I stated to Mr. Cooper that we would be taking over our Hazard Insurance policy as well as Taxes and Insurance payments. We have a right to do that. Therefore we will not need an escrow account. They refused to allow that. It is unethical especially during times of Covid to put homeowners in jeopardy. I'm XXXX, on a fixed income and my elderly mother lives with me. My sister will be paying the taxes and insurance for the future and the principle {$1000.00} will be paid by me. It's wrong and not appropriate to change my mortgage payment especially in advance.
Consumer complaint received 2018-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

A flight purchased through XXXX on XX/XX/17 was cancelled on XX/XX/2017 ( non-operational ) and I was promised a refund by XXXX ( flight was through XXXX XXXX ). I have the email from XXXX to prove this ( see attached ) XXXX never followed through with the refund ( 2 tickets at the price of XXXX ) so I filed a dispute with Capital One. Capital One initially credited my account for those flights and SEVERAL months later I receive a transaction REBILL on my credit card statement because XXXX disputed this saying I owed for it. 

XXXX disputed my request for refund even though the flight was cancelled. Capital One asked for proof which I sent ( email AND itinerary print out of my XXXX account showing it was cancelled ) and they closed the claim on me stating that I am past the statue of limitations with my claim. They sent a letter to me initially asking for more information in writing which I never got ( I had called due to the rebill on my online account ). Capital One said they would review my info even though it is past the date they requested it is received by. Then they refused everything I sent in. I want my money back.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

The Priority Pass benefit that Chase offers on their Reserve card is TRASH and the customer service for it is TRASH. I called to do something very simple : add my digital card to my profile. The person I spoke with ( who I could barely understand ) refused to add the card to my profile, demanding that I create a new one. I told him that I didnt want to do this, so he should delete my other profiles first and re-create them. He starts spewing LIES about GDPR saying that it requires them to wait 30 days to delete information, which is incorrect. The man was horrible and the customer service I got from Priority Pass consisted of nothing but moronic lies. This service is a scam and Chase has the obligation to ensure their offering works correctly.
Consumer complaint received 2021-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied to be pre-qualified for an Auto Refinance Loan. When i apply by myself, I am approved. However, when my girlfriend, that is a XXXX  resident, is added as a joint applicant, we are denied. 

She has a credit score of at least XXXX, a salary of {$37000.00} and does not have any major loans or debts with the exception of one credit card at {$8000.00}. My credit score is XXXX, my income is {$77000.00} and my rent payment is only {$500.00}. 

We applied for a loan at Capital One for {$22000.00} and were denied. Reference number : XXXX
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Berlin-Wheeler, Inc. (Kansas) (AL)

I have contacted the agency,  Berlin-Wheeler several times about removing the incorrect information from my credit report and  they refuse to. I have contacted the company,  XXXX   XXXX , about my account with them. They say my account is paid in full but refuse to give me anything that shows it 's paid in full or r eport it to Berlin-Wheeler a s being paid in full. I have paid this collection several years ago and they still reporting it as not being paid. I have contact the credit report agencies   XXXX   XXXX    XXXX   XXXX  and they still have n't done anything about other than it takes 30 days and it 's still working.
Consumer complaint received 2017-08-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (MO)

Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This not a duplicate this a letter Demanding the CRA XXXX, XXXX  and TRANSUNION that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s  your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, XXXX, TRANSUNION you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, XXXX, TRANSUNION and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.