davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERNST, ARTMANN AND ASSOCIATES, INC. (NC)

I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX Violations punishable under XXXX XXXX. XXXX. Additionally, those misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-09-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

On XX/XX/19, I closed on my property in XXXX, XXXX XXXX. The lender for my VA loan is Cardinal Financial. My mortgage payment with escrows was XXXX. A month after settlement, I received notification that my payment was changing because I was being charged {$2400.00} for Hazard Ins. I had insurance in place at settlement and money was being escrowed for taxes and insurance. I am a first time homeowner and didn't understand what was going on. My sister takes care of making my payments as I travel and it is easier for her to do it for me. We kept making the mortgage payments -all on time- but XXXX was taking the money from the mortgage payment to make the difference with the escrow for the insurance I did not need. I kept getting phone calls in the evening asking for $ XXXX for late fees and my XXXX payment which was made and marked received on XXXX. I am tapped out and all this because they gave me a {$2400.00} policy I didn't need. I am a XXXX  Vet. with XXXX yrs of service and my retirement is {$1700.00} and change a month. I called XXXX today and held the phone for over 20 mins. How do I get this Hazard Ins.  removed from my escrow? And, all this was done after all paperwork was done and signed.
Consumer complaint received 2019-03-05
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: Onity Group Inc. (CA)

On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX   XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK WHITNEY BANK (AL)

I refinanced my home on XX/XX/20 with Hancock Whitney Bank in XXXX, Alabama. The parties I dealt with were XXXX XXXX and XXXX XXXX. XXXX offered to match loan terms with a competitor that offered a rate with no bank fees whatsoever, or so she said. This was after shed failed to lock at a lower rate after requesting to do so. Bank fees kept showing up on all the disclosures but I was told over and over, dont worry about it, itll all be fixed at closing. I was even asked to sign a Closing Disclosure that I told her I couldnt she. After telling her that, she said again, dont worry, its fine, just sign it, Ill fix any problems that show up. Shortly before closing, in a rush, I start receiving docs and the fees were still there. Nearly {$1200.00} worth of fees and $ XXXX of padded interest on the loan they were refinancing, well beyond what was needed. I asked to have the fees removed as promised multiple times, and she stated she never said that the loan wouldnt have any fees, despite confirmation from parties that heard her tell me the same over the phone. I took it up her with her superior, and he stated that he could fix it, but would not. He was aggressive and rude and intentionally dragged out corrections to the file so that I was forced to accept them as written or miss my rate. I asked multiple times to pay my closing costs by check at closing rather than finance them, and they intentionally ignored that request to drive the loan amount up and refused to fix it as we approached closing. I would recommend everyone RUN from this bank as quickly as possible, especially those two people at that bank. Expect fraudulent practices and lack of concern for your wellbeing or any type of real service on your behalf. Its only about how much they can make off of you before you notice.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This account with Capital One was paid in XX/XX/2020, but the company is still reporting the account as a collection/charge off account with XX/XX/XXXX and XX/XX/XXXX. This collection/charge off is showing up in the account status and payment status. These statuses are incorrect. The company should have updated these statues when the account was paid and closed. I disputed the information and the company verified the statuses as accurate, which obviously is not correct.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2022 I sent someone I met through XXXX XXXX $ for a XXXX through cashapp. They did not send the XXXX and ended up blocking on me on XXXX after I sent the money. I reported cashapp through the app, spoke to multiple people, and they said that there is nothing they can do.
Consumer complaint received 2021-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Due to hardship from the pandemic, i had to go on foreberance on my mortgage. 
My loan servicer, Mr Cooper and i are in the process of loan modification, rolling the unpaid balance to the back of the loan they said. But at this point, they are asking me to pay {$2600.00} per month and i can only afford {$1500.00} to {$2000.00} per month and i know they can do it.
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (GA)

The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS RPT XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX TRUSTED ID/EQUIFAX ID Report XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System Hard Inquiries XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX thisXX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc. (NC)

i have XXXX accounts with this company that do not belong to me and are fraudulent acct # XXXX and XXXX i have included a copy of police report and id theft affidavit notarized this needs to be removed asap
Consumer complaint received 2021-09-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PA)

My collection was taken off my consumer report and them was put back on my credit report which is illegal under the rights with Consumer Law. I never gave them consent to put that on my consumer report I also wrote them an affidavit along with an invoice for the damages they have caused me by this action of them putting that collection on my consumer report, and they have not responded back to me.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

First Interstate Bank closed my account without notice because of a zero balance that persisted for 30 days. I was not given a chance to bring the balance up or given any warning at all, I found out when I went to check on my direct deposit that was scheduled to hit on XX/XX/21. I called the support number for First Interstate Bank and was informed my account had been closed on XX/XX/21. Due to this sudden and unwarned closure, I will now face late fees for my cell phone bill and my car insurance. I am also unable to access my pay until my employer is able to issue a paper check, meaning I also can not pay rent or refill vital medications.
Consumer complaint received 2024-02-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (AZ)

I have asked this company to one validate this debt they could not I also asked them to cease collection activities and to adhere to the federal guidelines this company not only ignored my validation request but then ignored my cease and desist are still harassing me but they are also not licensed or bonded to collect in my state I check. Please help me resolve this outside of court please have them cease reporting and follow the guidelines of the fcra
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was over charge interest rates principal Im not sure if Im in the correct section but I have spoke with someone in the mortgage department I over paid my monthly bill which was XXXX I was paying XXXX, Im not understanding I paid {$14.00} over the monthly amount and they will not refund me. I took out a {$25000.00} loan and Im paying back {$50000.00}. I dont understand why is the interest rate and principle so high Im just about finish paying for the mortgage loan
Consumer complaint received 2020-12-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (MN)

I reached out to my mortage company on XX/XX/2020. I requested a Forebarance. I was told by the rep I had already used my forebarance periods, except 1. I asked her to look up that I had not ever missed a paymet before XXXX, however, she didn't speak english and I couldn't understand her. I asked for a translator, via email but no one ever responded to me. I did request the 1 last forebarance period Homebridge said I had online, but was denied. Now they are showing a late payment. I have tried reaching out 6 times via chat and email but they always give me a canned answer or disconnect.
Consumer complaint received 2020-10-23
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: DISCOVER BANK (MA)

This account is really confusing me. The report is charged off yet when you look at the payment history, XXXX  is reporting all OK payments vs XXXX  reporting all CO remarks. How did that came to this? I would like to report this inaccurate report and have this taken out of my account.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (TX)

The problem is with this credit card company XXXX. I keep making payments on my bill and they keep changing the amount due. It's like they are trying to get me to pay all of the balance off. It is a very misleading company and no u can't use the card everywhere!!
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

These inquiries are not mine, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Consumer complaint received 2021-11-27
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. (AL)

There is a delinquent account on my credit bureau 's that is not mine. XXXX XXXX I have never applied for. I have called, reported them to XXXX XXXX XXXX XXXX  but they still have not removed this ding on my credit. I would never associate myself to these kind of businesses and ask that you would be so kind to request they remove this account asap.They can not show me proof that I signed anything or show my ID to prove it is mine.
Consumer complaint received 2022-01-08
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: CITIBANK, N.A. (MN)

XXXX XXXX-Someone got ta a card in my name XX/XX/2021 XXXX XXXX Did the exact samething on these two dates
Consumer complaint received 2020-12-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (SC)

A lady named XXXX XXXX left me a message and called my mother in law. She said she was from XXXX XXXX XXXX ext XXXX and she was going to sue me for check fraud from a debt owed to check n go from 2013 and also called my mother in law and told her she and my father in law would have to go to court also. She states the balance is {$2600.00} and if it goes to court it would be over {$20000.00}. She gave my mother inlaw all of the information also. 
Case # XXXX
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2017-09-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Paypal Holdings, Inc (MD)

I requested two checks from within my XXXX account associated with email XXXXXXXXXXXX. The request was made on the XX/XX/XXXX and it is now the XX/XX/XXXX and I have yet to receive them. There transaction IDs are XXXX and XXXX. PayPal has shown a message for each transaction ID as invalid which shocks me.
Consumer complaint received 2021-08-16
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: Resurgent Capital Services L.P. (OK)

I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and the payment status is 120 days late. This reporting is a violated the FCRA. I have disputed these items and my credit report still says the same thing. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Also, XXXX wasn't able to properly verify this account. Please explain to me why XXXX  and XXXX  can when all three reporting agencies follow the same law?
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent numurous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.