davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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. (FL)

OnXX/XX/XXXX, I sent a letter to Equifax regarding 4 accounts being reported by XXXX XXXX XXXX XXXX in the amount of {$75.00}. I have attempted to contact the collection agency several times by phone and mail to get validation this debt, to no avail. I have disputed this account several times with Equifax due to the address listed on my credit report being incorrect and the phone number being disconnected. I even called Equifax about this problem onXX/XX/XXXX and was told that they would reinverstigate. OnXX/XX/XXXX, I sent a certified letter to the collection agency to the address listed on the report and the letter was returned as undeliverable. ( see copy attached ). However, despite this, I received another letter from Equifax, dated XX/XX/XXXX, wherein they claimed to have verified the account and listed the same undeliverable address and disconnected phone number. ( see report # XXXX attached ) After sending yet another dispute on XX/XX/XXXX, Equifax changed the address listed on my report dated XXXXXX/XX/XXXX.  However, a review of the State of Florida Division of Corporations website revealed that the fictitious name filing for XXXX XXXX XXXX XXXX XXXX, which lists the same address as the Equifax credit report, expired in XXXX. Therefore, this company is not even authorized to do business in Florida. ( see attached Division of Corporation document ) As part of my dispute on XX/XX/XXXX, I sent copies of my XXXX and XXXX reports which showed that both bureaus deleted these XXXX XXXX XXXX accounts months ago as I 'm sure they experienced the same problems I had with verifying these accounts. ( see attached XXXX and XXXX reports )
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I had placed a mobile deposit of my payroll check with my cell phone. Wells Fargo had sent me an email saying that my deposit would be delayed. Because it was a mobile deposit I did not think much about it and checked my bank the next day. Funds were not available and the deposit was showing as being held. I called Wells Fargo customer service to inquire and they told me that they had reported my mobile deposit as potential fraudulent activity and that my own funds from my paycheck would not be available for 7 to 10 days. There was nothing that would have indicated the check was fraudulent. The check was made out to me and Dorst by me and was from my work. Now I will have no paycheck for 3 weeks since I am paid bi-weekly. How am I supposed to live and pay my bills? Nobody at Wells Fargo could help me or cancel the deposit and it seems unscrupulous than I am being held hostage by a financial institution. I have no recourse and nothing that I can do.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

I was unemployed from XX/XX/XXXX to XX/XX/2018. In XX/XX/XXXX I asked for an extension to help me out during this time. I was told I would qualify and per the agent 's explanation wouldnt need to do anything else. With this issue I thought behind me I focused on moving for my new job. When we applied for a rental house we discovered my credit had been marked. This was the agent 's fault. The XXXX   complaint was responded that they tried to reach me, but again we had moved and I had updated this with the agents. I want the 30 day delinquent mark removed.
Consumer complaint received 2020-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020, I identified a number of fraudulent charges on my account, and immediately notified the Bank of this. I was in the belief that I had successfully submitted a claim for these items. However, the Bank 's agent failed to complete the process. I was therefore forced to initiate the claim a second time. A number of the Bank 's communications were flawed and confusing. Given all this, I have concerns about the timely and fair resolution of my claim. I have attached a letter that goes into much more detail on these matters.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I got scammed out of around XXXX dollars, I filed a police report and everything so they wouldnt close my account, but they closed it anyways. They said they have protections from issues like this, but didnt offer any help what so ever. I do want this off of my credit report so I can build back up my credit, but I would like to not have to pay this debt because i called them three times in advance to ask their advice and every time they said go ahead. I really want this off my credit report but I would love to not have to pay this, because they are supposed to have protection for scams like this.
Consumer complaint received 2017-08-11
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. (FL)

In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
Consumer complaint received 2019-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I originally took out an Equity Loan off of my primary residence, with Washington Mutual, in XXXX of XXXX. The loan number is XXXX The original loan amount was {$250000.00}. The loan was increased I paid off on XX/XX/XXXX, in the amount of {$410000.00}. The account is now closed. 

I have been trying to get a copy of the Reconveyance sent to me, because I have never recieved one and I am trying to seceure another loan from my current bank. My current bank will not issue the loan until I send them a copy of the Reconveyance document. The payoff of this loan has not been sent to the County of XXXX. 

I am currently on the phone with Chase again and have been transferred to 3 different departments. Once I got to the third location, the supervisor stated they can 'see ' the but can't open it up or send it to me! I was told by the Supervisor, XXXX XXXX, that Chase will email it to me in 5 business days. 

These additional 5 days will continue to hold up the current loan I have applied for and has been 'tenatively ' approved.
Consumer complaint received 2017-08-11
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. (OR)

XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Consumer complaint received 2023-07-19
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: Scratch Financial, Inc. (OR)

I Am a victim of XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX  REMOVED FROM my credit report!
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I purchased an item and paid via PayPal. Immediately after the purchase, I realized I had been redirected to an illegitimate website impersonating a different company. I then quickly called my credit card company and was told that I would have to resolve with PayPal as the funds were paid through them. I then immediately called PayPal and was told the funds had already been sent and I would have to dispute the claim if the product was never received. I was told by the agent that I could receive a refund if the item was never shipped. I opened a claim with PayPal and they quickly closed it saying the seller provided a shipping notice. The notice was bogus as was the website. PayPal simply closed the claim. The website clearly gives instructions that you can escalate a claim, but that feature is not available when I follow the instructions. The site also will not let me reopen the claim. I can not find any way to dispute further with PayPal. I've also tried to call PayPal multiple times but end up on long holds and ultimately have to hang up due to my job. Below is the information from the PayPal purchase. 

Paid with XXXX XXXX XXXX Visa VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$490.00} Shipped to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX XXXX : Shipped Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX Status : Shipped Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX Status : Shipped Transaction ID XXXX
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (CA)

Honda is showing 2 late payments in XX/XX/12 and XX/XX/12 that are not correct. The account is paid and closed but still an issue. Id like it to be removed off my credit.
Consumer complaint received 2019-11-04
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. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2016-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Navient is my private loan provider. I returned to school in XX/XX/XXXX to pursue a XXXX degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree XX/XX/XXXX. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for XXXX were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite having extremely limited capacity to make payments on my loans, I am being repeatedly told that I have regular payments. It is distressing to know that I have protections afforded to me with my public loans, but that I have no such protections when dealing with Navient. Compounding this issue is the lack of knowledge I had when taking out this private loan when I was XXXX ; had I known of the lack of protections and repayment flexibility, I would not have pursued this loan option. 

I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OR)

Complaint # XXXX was only concerning the first mortgage. I was referring to the second mortgage. It was bought from XXXX by Ocwen and there is no record that it was paid off but it was discharged in the bankruptcy in 2013. This loan was was released and discharged but there and there is no record that I owe the XXXX. I need a release so I can refinance. It only shows that I owe XXXX but we need written release so I can refinance my loan.
Consumer complaint received 2020-10-12
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. (IL)

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXXXXXX  XXXX XXXX not mine
Consumer complaint received 2019-11-04
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. (GA)

I have contacted the following bureaus XXXX, XXXX and Experian about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU XXXX XXXX
Consumer complaint received 2023-07-18
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. (NJ)

On or Around XX/XX/23 I Disputed a Bankruptcy for inaccuracies.I questioned about how this information was obtained and the Response was the us bankruptcy court.I Then contacted the court and they gave me Documentation that they dont Report to any Bureaus At all so this is either a lie Or mistake.Nor did I give permission to Share my information this a violation of my Rights to Privacy.
Consumer complaint received 2019-11-04
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. (GA)

I have contacted the following bureaus equifax, XXXX and XXXX about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU XXXX XXXX
Consumer complaint received 2017-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PROPEL FINANCIAL SERVICES LLC (TX)

I applied for a property tax loan. I learned in XXXX 2017 the loan was cancelled in XXXX 2017 without my knowledge. The first payment was due XXXX XXXX, 2017. I inquired as to why this account was not available for me to view via email. In XXXX, I called and was advised they do n't know why it was cancelled or why I was not notified. All they could do was to take a message. I was told my complaint would be forwarded to XXXX XXXX at the company. XXXX XXXX XXXX ( primary mortgage company ) is not allowing me to make any kind of online payments - I have attached a screen of what I see when I attempt to make a payment. I know from past experience, they will say it is because my account is not current. However, how can it be current when they added over {$3100.00} in escrow charges that are due? These companies are working together to ensure my house is foreclosed upon so they can profit.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (WI)

Associated Bank charged the premium of {$530.00} for elapsed Home Insurance policy for two months. I explained to the Associate on the phone and his Supervisor that my Home Insurance policy with XXXX got cancelled without my knowledge and without any 30 days prior notice of cancellation from it as it is required. 
In addition, Associated Bank got the most expensive policy it can find for elapsed time which has the 300 % the premium of {$3000.00} per year than what I got for {$1000.00} per year from XXXX. I consider that to be outrageous on the part of Associated Bank and totally unacceptable. 
Even in the event, I am to pay for post dated policy for the elapsed period if it is in FINE print of the Mortgage documents as I was told, the 300 % higher premium than the Mortgage holder can get is totally excessive and border lines of " Robbery ''. Associated Bank knows or should know availability of lower premium policies but chose to buy the most expensive policy.One has just wonder " WHY ''.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MI)

We refinanced with XXXX  XXXX, and our loan was sold off to XXXX XXXX XXXX. Our first few payment were processed normally, but our XXXX payment has been misplaced or some such XXXX. we insisted the payment was made, and finally were told the account number had been changed from the account we were paying to through XXXX XXXX. They said that we were responsible for the payment since they had to history of the payment being received. We provided our bank statement showing the payment had been paid on XX/XX/19, and we provided a proof of payment generated by XXXX XXXX. They are saying it will be applied to XXXX but could take 3 to 4 weeks! My main concern is IF this sorted out, are they going to adjust my interest accordingly, or am I going to end up paying more interest than I should, and are they going to correct the credit reporting to show the payment was made and not missed. The loan officer, XXXX XXXX from XXXX XXXX   told us to file the complaint with CFPB to make sure everything gets sorted out properly.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Thank you for taking the time to read the complaint. After reviewing all credit reports XXXX XXXX placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Equifax is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to EQUIFAX, they claim they can not ADD this account unless XXXX XXXX  reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.