davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian has a hard inquiry that was supposed to be removed by XXXX. I asked Experian to dispute but told that XXXX had to request for the hard inquiry to be deleted. I explained that I was requesting for Experian to dispute because XXXX claims they submitted an electronic request for the hard inquiry dated XX/XX/2019. Please refer to the letter from XXXX to the XXXX indicating they were requesting for the XXXX hard inquiry removal.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (CT)

I purchased 2 money orders from western union. The retailer printed the 2 money orders with MT PAYEE printed in the Payee section. I explained the purpose of the money orders, to pay for a mortgage, and the XXXX XXXX XXXX XXXX CT employee stated that the money orders " printed that way ". Furthermore he stated to just write the bank name next to MT Payee. This information is false and has possibly cost me my home. I was in a mortgage modification trial period and now will be late because of this error by the retailer. Western Union said it is 6 to 8 weeks until they will process my refund. This is unacceptable. money order numbers : XXXX - {$1000.00} XXXX {$910.00} I spoke with XXXX of CT Banking Dept
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its  employees, Asset  Manager   XXXX   XXXX  and Asset Manager  XXXX   XXXX  knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how  Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and   its employees have  operated in this racketeering business enterprise for profit orchestrated through the Master Servicer   XXXX   XXXX   XXXX .  Bayview Loan Servicing and  its emplo yees, Manager   XXXX   XXXX  and  XXXX   XXXX  have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf  XXXX   XXXX   XXXX  designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC  failed to provide permanent modification documents that were not damaged and delivered late from  XXXX   XXXX  to  XXXX   XXXX . Finally, after making trial modification payments f or nine mon ths, Between  XXXX   XXXX  to  XXXX   XXXX  and the month of  XXXX  we paid at least {$1900.00}. From  XXXX   XXXX  to  XXXX   XXXX  we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of  XXXX  and  XXXX   XXXX  . Bayview Loan Servicing then  started foreclosure on our home. We did start making payments again in the month of  XXXX   XXXX .
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-06-04
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I submitted a lien release and information from my title company to all three credit agencies. XXXX responded immediately and made the necessary corrections. XXXX took a little longer but have made the necessary update/correction as requested. I have spoken to several representatives at Experian who have been rude and unprofessional at handling my request. Experian has confirmed that they had my information since XX/XX/XXXX but have not made the correction. At this time on my report it reads XXXX XXXX had started a foreclosure process which is not true at all. XXXX has sent me information stating that they have contacted all three agencies and do not know why Experian has not complied. Experian told me on XX/XX/XXXX that they are still waiting for XXXX to response from a request that I made on XX/XX/XXXX. The original request was made back in XXXX and XX/XX/XXXX XXXX responded but the response was incorrect. I made another request via phone and in writing to Experian and the update still has not taken place. I need Experian to update the remarks to state DISMISSED immediately so that I can move on with my life. This has been a difficult process and this agency has been very rude and not willing to cooperate with me at all. Please help my last request with your establishment was on XX/XX/XXXX XXXX and I thought that this would take care of all the agencies ; however, the two have replied professionally and updated the information correctly.
Consumer complaint received 2020-07-21
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: SYNCHRONY FINANCIAL (ME)

MY AMAZON STORE CARD ACCOUNT IS IMPOSSIBLE TO ACCESS BY MESSAGE TO ASK QUESTIONS OR MAKE PAYMENT, EVER SINCE I STOP USING MY STORE CARD ( ASKED FOR IT TO BE SHUT DOWN.

WHEN I TRY TO SIGN ON, RESET A PASSWORD, GET A CODE BY TEXT I CAN NOT GET THROUGH. EVEN MY NAME IS IN QUESTION. IT SEEMS I HAVE A NEW ACCOUNT NUMBER. NEVER SEEN IT BEFORE. AND A CASH ADVANCE (? ). NEVER WANTED THAT. AMAZON AND SYNCHRONY AND XXXX XXXX ARE SOMEHOW CONNECTED. THEY ARE TELLING ME I MISSED PAYMENTS AFTER YEARS OF EXEMPLARY ON TIME PAYMENTS. NEVER MISSING 1 PAYMENT IN 7 YEARS AT LEAST. I AM UNABLE TO GET ONLINE WITH THEM. WHEN I TRY TO GET A CODE TO CHANGE MY PASSWORD, I AM TEXTED THAT AN UNUSUAL ATTEMPT HAS BEEN MADE. I DON'T KNOW HOW THIS ALL HAPPENED. THEY CHARGED ME {$39.00} AS A LATE CHARGE. I NEED TO KNOW HOW TO STRAIGHTEN THIS OUT. GET RID OF THE LATE CHARGE AND ACCESS MY PAYMENT PAGE ON AMAZON STORE CARD. THEY TELL ME MY NEW ACCOUNT NUMBER ENDS IN XXXX. (? )
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I also received a XXXX PPP loan from the government to aid in my XXXX XXXX. Before that, I had paid XXXX to put as a down payment for my son 's mortgage and then Sun Trust Bank cancelled and closed my account and froze my account statements. 

The bank closed my account and froze my assets and will not tell me why and basically all my payments are behind because of it.
Consumer complaint received 2021-07-16
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-21
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: DISCOVER BANK (MD)

Hello, Ordered glasses from XXXX Order # XXXX. They were not packaged properly and arrived broken. Photo attached. Filed a chargeback with Discover and won. 2 months later, Discover charges me again for the order saying the merchant challenged the chargeback. Discover wanted a tracking number for the return. During the complaint process, neither the merchant nor Discover mentioned returning the broken glasses, since theyre broken. The merchant never even sent a return label for them. So after I won the chargeback, I threw them away. Why would I keep around broken glasses? Where is proof of the merchant asking for the broken glasses back before I won the dispute? 

In a XXXX XXXX XXXX complaint against the merchant, the merchant said they approved the chargeback. I asked for a refund via check from the merchant since Discover isnt refunding me, and they said they could only refund via the method I paid which is with Discover. Both the merchant and Discover are giving me 2 different stories. The merchant says they approved the chargeback whereas Discover is saying they challenged it. 

Attached the XXXX XXXX XXXX complaint. The order number is there, and I have also attached the merchant receipt which also includes the order number. 
Thank you for your assistance.
Consumer complaint received 2016-09-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I am writing this letter regarding the sign up bonus for my Citi Gold checking account. I opened my account XX/XX/XXXX after I had received a sign up offer with promotion code : " XXXX ''. I have called the customer service and was CONFIRMED that I was qualified for the offer. According to the offer, I will be able to get XXXX AAdvantage miles if I complete the following XXXX requirements : ( 1 ) Make {$1000.00} in debit card purchases ( 2 ) Make 1 or more bill payments for two consecutive months I finished ( 1 ) on XXXX XXXX and ( 2 ) was done on XXXX. XXXX. ( The first bill payment was cleared on XXXX XXXX and the second was on XXXX XXXX. ) I have contacted the customer service several times inquiring about when the XXXX will be posted both via phone calls and on-line chat. They all told me that I am qualified for the promotion and my AAdvantage miles will be posted shortly. It has been more than 120 days after the end of the month when I met the requirements, however I received nothing after waiting very patiently, trusting citi 's promise. And what 's made me even more upset is that last time the representative over the phone said they have to do an investigation regarding my situation and the result was that I was not qualified for that promotion. I feel so disappointed why citi kept saying different things. 
In order to wait for the miles to be posted, for the investigation and for dealing with the issue, I have paid XXXX monthly fees and it seems that I am going to pay the XXXX XXXX.
Consumer complaint received 2020-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am totally frustrated to no end trying to find out what kind of information Equifax provided to the XXXX XXXX XXXX XXXX in a credit report XXXX XX/XX/2020 ) that has a direct impact to increase a higher than expected interest rate for my new auto loan. 

I called Equifax today I spoke to XXXX who received sufficient information to verify who I was but I had to use the restroom so he gave me a phone number to call him back. 

After I called back Equifax used automatic voice type of questioning to no end not an agent questioning many many more multiple questions about my past credit enough to be able to answer correctly but continue non stopped until it seem to set you up to eventually not be able to remember as far back anymore. 

I was hen told to send them by mail a copy of my social security card and license. Bottom line people have enough stress to be given a run around to correct bad reporting. There should be no record of bankruptcy no collections no derogatory record on my credit report and I have excellent credit with XXXX all my creditors and all my utilities when I applied for a new auto loan in XXXX XXXX when it could have been as low as XXXX. If any bad reporting went to the XXXX the report it must be updated so that I can appeal with the XXXX interest loan for my new vehicle to lower the interest rate to what it could have been saving thousands of dollars. XXXX said if Equifax is willing to update they will give an opportunity to correct the interest through after an updated new Equifax report doing a new application but the car must have less than XXXX mileage right now it has approximately XXXX miles,.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Please review the previous complaint and response from # XXXX. 
Not only did they mislead you in their response, claiming that the impound accounts don't get modified until a 6 month review, when they changed the amount immediately, in their first billing. They have also lied about providing an actual " Certified Copy '' of the original loan documents, and the Note itself. They sent another electronic file copy, which is not the same, but the last complaint was closed before they fulfilled anything they promised. 

I believe this is further proof that they are not in possession of the actual security documents, and as stated before, who then can return these documents upon payoff? Who actually has the documents, and at what point will they demand payment? 
Perhaps they no longer exist.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

XX/XX/XXXX. 2020 - I received a text stating {$1100.00}, had been applied to my debit card for child support. Since it has been two decades since I have received any child support payments, I called the local child support office. They verified yes - I had received my ex-husband stimulus check to be applied to his arrearage. I informed the customer service rep I did not have a debit card. She provided me with the EPPI card customer service telephone number ( XXXX. ) XX/XX/2020 Placed a call to customer service @ XXXX XXXX., after being on hold for XXXX hour XXXX mins. I was informed a card was mailed to me yesterday XXXX XX/XX/XXXX ) and I should receive the card with 5 - 10 business days. 
XX/XX/2020 - Placed a call to customer service @ XXXX XXXX, after being on hold for 51 minutes. Again, I went through the verification process. The rep informed me to wait until Wednesday, XX/XX/XXXX, this will conclude the 10 business days. Also, stated sometimes it take longer to receive the card. I asked about the expedited overnight service I was informed about on XX/XX/XXXX. He stated there will be a day or so delay before they could process another card. The service is not overnight - it is a two ( 2 ) day service. Also, there is a {$14.00} fee associated with the service. 
XXXX XXXX - As of today I have not received my card. 
XX/XX/2020 Talk to a representative from the State of Georgia child support rep. Stated there is nothing they can do. EPPI card is a third-party processor who operates separate of the State. The rep suggested I go online for my case and sign up for direct deposit into my checking account in case I receive additional funds. 
This is scandalous. " XXXX XXXX '' in need of funds and this company giving parents the run around. Glad my children are adults now - but what about the ones who really need the monetary relief. 
Concerned & confused - how can this be tolerated. Georgia 's XXXX  is loaded with unanswered complaints : https : XXXX. Another tidbit -- EPPI Card, they charge a fee for customer service calls. XXXX per each call to the Georgia Customer Desk. Deployable!!!!!!!! 
I want what I am entitled. In this pandemic and uncertainty every drop fills the bucket. EPPI Card Services need to be investigated.
Consumer complaint received 2018-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I have PayPal account A with Bank account in my name synced to it. I send $ X from my PayPal account Ato My PayPal account B. Then from B I send money to my mom and wife. Well these guys decided to freeze everyone for 180 days. Then after telling me what day I could access my money they reversed funds from my mom and wife back to. B and then from B to A. How can they touch other accounts? They called it fraudulent but it wasnt it was my bank. They messed up and dont want to admit it. If I only had X amount of $ it shouldnt of let me send anything over that. Please help me. Also I sent in all requested paperwork in a timely manner too
Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian his not disclosed how it investigated this information however now after my dispute has concurred that the debit is fraud but still refused to deleted it my credit report, the debit is identified as : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Despite my forbearance having ended months ago, Lakeview/XXXX has decided to extend it to the date of XX/XX/XXXX. It had ended in XXXX of XXXX and I was not only current, but had paid a month in advance. In XXXX I began working with a new lender to refinance through the FHA streamline program. There have been multiple issues with Lakeview/XXXX seemingly doing everything in their power to prevent the closing. I was to close with my new lender last month but a lien had been placed against me by LakeviewXXXX that prevented the title transfer. We had to move our closing to a date of XX/XX/XXXX. Now my forbearance has an end date of XX/XX/XXXX. I did not request for this to be done. I have auto pay set up through Lakeview/XXXX website and was assured in XXXX the autopay would resume as normal. As of XX/XX/XXXX my payment was not auto drafted. I have had to manually submit a payment now. I called multiple times and was told my forbearance ended in XXXX, ended in XXXX, ended XX/XX/XXXX or ended XXXX. I asked for the documents to be sent and was told I couldnt get access to them any earlier than XX/XX/XXXX. I requested the issue to be escalated and was told the only way to do that was to file a complaint online. When I go to the contact us section, there is no option to file a complaint to escalate an issue of any kind.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

I have been getting continuous communication from XXXX XXXX XXXX for a debt I do not owe. They are trying place a judgment against me for XXXX  XXXX XXXX card that I do not owe money on. Ive contacted XXXX XXXX XXXX and spoken with several individuals including the manager. I have a XXXX balance and the account is so old that all information has been purged from their system. I received a judgment from XXXX XXXX in 2017. Court date was scheduled and because the plaintiff failed to appear ( XXXX  XXXX  XXXX ) they dismissed the case. I now receive another letter from XXXX XXXX XXXX XXXX for another judgment.