davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SHD Legal Group, P.A. (FL)

Due to the mishandling ( purely ignoring ) the information ( insurance documentation ) which began a series of events, a house I own is now in foreclosure. I 've tried tirelessly to have the issues addresses which XXXX XXXX XXXX XXXX even the CFPB, and now, the attorneys handling the foreclosure SHD Legal Group PA, XXXX XXXX, FL ) just ignore all correspondence. I 've continually attempted to proactively address issues prior to 'escalation ' but no one seems interested in that, probably just interested in acquiring a home worth over {$200000.00} for a loan amount that should be $ XXXX or less and I 've stated several times I could pay off with cash. 

I provided SHD Legal Group with not just the information that began this entire situation but at that point they also had my best contact information but they have yet to be in contact. Based on the information I assumed they would quickly reverse course and check the facts to reduce the damages I have suffered ( obviously this has hit my credit ) but they have not at all. 

I 'm also here, just like I 've always been, I 'm not running from this but I 'm getting word of the process server harassing/scaring the tenants and now my work which if someone would just ask to meet up, they just need to be in contact, in writing, everything in writing ... The fact is usually work from home and this past week my XXXX year old mom had pretty serious XXXX and it did n't go too well so I 've been at the hospital quite a bit. This is a two way street though, be in touch, I 'll address their issue of where we can meet up and I request information related to why or why not they have refused to be in contact and consider the information sent to them. I have attached a copy of the emails.
Consumer complaint received 2017-10-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MA)

took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

My husband has already tried dealing with Wells Fargo ( WF ), but they would n't respond to him since he 's not on the mortgage currently. He already filed a complaint through cfpb, and WF has n't resolved our issue. Background : immediately after purchasing our home we contacted WF about removing PMI from our mortgage because we immediatly had XXXX of equity, therefore not needing PMI due to our loan to value ratio. My husband spoke to WF agents on the phone, and confirmed that we could do this, we just needed to pay for an appraisal. WF sent us a letter at one point ( attached ) showing options for removing PMI, and we went over these options over the phone with a WF agent, and the agent agreed that we are allowed to have PMI removed. After having an appraisal done, which confirmed we have adequate loan to value, WF responded and said that we do n't qualify to have PMI removed. WF did acknowledge their " mistake '' and they did refund us our appraisal fee. They have refused to remove PMI from our mortgage as previously promised. We believe WF has broken federal law in their lies to us during this process. We request WF to remove PMI like they originally promised, and to refund us the PMI fees we have continued to pay.
Consumer complaint received 2017-10-04
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: EQUIFAX, INC. (FL)

Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX financial is not authorized to collect debt and I noticed was faxed into Equifax stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.
Consumer complaint received 2017-10-04
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: DISCOVER BANK (TX)

Discover BankInquiry fromXX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXX..Discover BankInquiry from XX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXXXXXX/XXXXInquiry fromXX/XX/XXXX-XXXX XXXX XXXXThis inquiry could stay on your report untilXX/XX/XXXX.See an error?Find out how to dispute a hard inquiryInstitution InformationXXXX/XXXXXXXX, FLXXXXXXXX XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was scammed by a company called DHHS ( Department do health and human services ) This company supposedly help people in need of financial issue I was in contact with Agent XXXX XXXX XXXX I was asked about my information and send them my info I was advised that the grant I was supposed to get was free and non refundable. I paid all the fees I was told to pay : Delivery fee {$300.00} Processing fee and activation {$520.00} Custom fee {$750.00} Stamp fee {$370.00} At the end when I realized I was getting scammed they were asking me to pay IRS fee which was {$2000.00} and they said that they were in contact with the officer and lowered to {$500.00} but I refused to pay more money and advised me to pay just the {$300.00} and still I didnt pay it and they told me that the grant check was cancelled returned to management. I asked for my money back and told me that the money I paid was non refundable I called my bank and I was advised that they cant reversed it because they already took the money. 
I had told them that I borrowed the money so they can refund me the money but no no matter what I said try still refused to return my money I worked hard for.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (FL)

I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx. 
XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX. 
XXXX claims that XXXX never took responsibility for payment on his behalf. 
Please, advice what I can do.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX. 
After many, many offers I applied for XXXX corporate revolving credit line on XXXX/XXXX/XXXX. ( ref # XXXX ) After 1 week I received letter they can not grant credit because they are unable to verify personal garantor`s identity. I found the phone number contacted them it is XXXX XXXX.They told me that they use adverse action against me because they can not verify the phone numbers I have provided.I explained them that the phone numbers I have provided been my numbers for over decade.My personal cell phone is XXXX XXXX XXXX contract phone and my home phone is landline XXXX XXXX and its still on my name. 
And I also told them that I have a credit card with XXXX XXXX with same contact information.I offered them every possible way that they can verify my identity, even by going to any bank or store.They keep telling me that the only way to verify is a phone number, and if their system does not identify you then they turn down application. 
They act against equal credit opportunity right.They unfairly just refuse to cooperate and help consumer to verify their identity. 
When the supervisor was trying to help me she forgot to mute my line and I heard how she was talking to her colleague and they were saying that they can see my phone number in a system but they can not use it as verification. 
Eventually they just told me that they can not help me. 
Even thought I work all my life to have perfect credit, I spend lots of money on paying them interest, but today they are refusing to offer product.
Consumer complaint received 2017-10-04
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. (CO)

The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Creditor XXXX XXXX XXXX Account that was included in open Bankrupcty case was removed twice but keeps reappearing on Equifax. They refuse to remove permanently.
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XXXX XXXX, 2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-10-04
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. (TN)

XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MD)

On XXXX XXXX XXXX I received a collection request letter from ERC for a supposed past due bill of {$69.00} from XXXX. The past due bill was for a final payment from when I moved in the XXXX of XXXX. The final payment had n't been automatically taken out after I moved and set up a new account. When I was informed about it in XXXX XXXX I called the billing department at XXXX on XXXX XXXX and arranged for the payment to be debited from my XXXX  XXXX XXXX checking account. I was then given a confirmation number that I was told proved I paid the remaining bill. I did n't hear anything from XXXX about the account until I got the collections letter on the date previously mentioned. 

I contacted a XXXX agent over the phone to try and resolve the issue. I was told that I would have to go to my local XXXX office to resolve the issue. On XXXX/XXXX/XXXX I went into the office. I gave them the confirmation number. I was told that their computer said that I did n't pay the bill in XXXX of XXXX despite that I had a confirmation number from XXXX of XXXX that was to prove that I paid the amount. I asked them how I could prove that I had paid the remaining balance in XXXX of XXXX other than using the confirmation number I had been given. I was told that was n't enough proof and I would have to get a statement from my bank. 
I went to my bank and asked for proof of the transaction. My bank gave me a printout of the transactions that showed that on XXXX XXXX XXXX {$69.00} was debited from my account to XXXX. 
I brought the statement back to the XXXX office to show them. After scanning the statement I was told that the agent there could n't do anything and the issue was being sent to billing and that a ticket was being created about the issue and I would receive a call in 2 to 3 days. After 7 days I had yet to hear from anyone at XXXX. I called them. At first I was directed to call the collections company and take it up with them. The agent gave me contact info for a completely different collections agency. I contacted them and they had never heard of my account. I then called the collections agency, ERC, that I got the letter from. I was told that they had not heard from XXXX and the account was still open. 
I called XXXX back and was connected with a senior representative. She told me that the ticket had been closed on the same day it was made and that the agent noted that there was not enough proof that I had paid the bill. I asked her what more proof I could give to prove that I had paid the bill. She said that there was no way I can prove it and that there was nothing else XXXX would do and I would just have to pay the collection agency. 
I am very distressed by this. The confirmation number and a statement from my bank were not enough proof. How is anyone safe from constant continues billing. If there is anything you can do to help me with this issue I would greatly appreciate it.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TN)

XXXX Bank XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX Bank XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (GA)

I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by JP Morgan and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with Chase Bank anymore it is still on my credit report
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (MI)

Two purchases were made on my prepaid card without my knowledge or authorization ( in fact, I had never even used the card ) : Case # Merchant Date Amount XXXX XXXX # XXXX XXXX/XXXX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$6.00} After discovering two purchases were made on my prepaid card that I had never used, I contacted the card company by phone. They asked me to fax them information about the transactions, which I did, and in response asked for additional information, which I again faxed to them. 
Finally, they mailed me saying that " your notice of dispute was received beyond the time frame allowed. XXXX and XXXX require notification within 120 days of the date the charge posted to the account. '' Unfortunately, my initial phone call was 122 days after the date. However, the stipulation of contact within 120 days is never listed on Terms & Conditions of the card ( which may be found at XXXX XXXX  XXXX ). 

I think that a fair resolution would be for the XXXX XXXX XXXX XXXX to reimburse me for the funds that were stolen, especially in light of the facts that : 1 ) I never used the card or left the card in anyone else 's possession, so the theft was not due to my negligence but rather a weakness in the security of their system 2 ) The card agreement never mentions the 120-day period that they now claim applies.
Consumer complaint received 2020-04-24
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)

XX/XX/XXXX See attatched Credit Reported by XXXX OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. XXXX CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. XXXX OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) MC end XXXX now deliquent 2 ) Visa XXXX ID THEFT case XXXX 3 ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company (NE)

Recieved notice from XXXX XXXX, and XXXX, of a said debt added on my credit report in which i was never contacted, by mail, or phone for my right to verify this debt, before adding on each credit report. The company failed to mail, or make any contact, giving due process for this debt to be verified. Also i agreed with this company in which they are collecting for a lesser amount and i closed my account out.
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (MS)

On or about XXXX XXXX, XXXX I was informed by Equifax Credit Bureau that my personal information had been breached along with many others, and I noticed a hard enquiry on the CBR that I did not recognize. I called Equifax but have been unable to talk to anyone about the hard enquiry so it can be removed. The hard enquiry was made by XXXX XXXX, and I already have TV service, ( antenna ), have no need for satellite service, and I have never used XXXX XXXX here at this address. I use XXXX XXXX service and I have had it for years. I am a victim of Identity theft, and a victim of Fraud, since XXXX and I have fraud alert statement on my credit bureau reports, and I suppose to have a security freeze on my report but Equifax never sent me a ten digit code so as to be able to dispute any errors on my report to be able to temporary left/remove security freeze. IT has lowered my credit score and I have not applied for any service from XXXX XXXX and I called XXXX XXXX and complained about it, and all they did was send me a report showing that someone did in fact try to use my name and apply for XXXX XXXX service without my permission, but I do not know who. I can not seem to unlock/lock my credit report because there suppose to be a security freeze, but without a ten digit code, I ca n't do anything and I have n't received a code of any kind.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

XX/XX/2020 : Received " Notice of Cancellation '' from XXXX XXXX because {$820.00} insurance premium has NOT been received from Loan Depot. Notified Loan Depot about the " Notice of Cancellation '' via customer portal messaging and attached the scanned copy of the Notice. Loan Depot previously deducted {$820.00} from my Escrow on XX/XX/2020. Asked Loan Depot : " Why the insurance premium is still not paid? '' Only response was " pending review. '' XX/XX/2020 : Followed up on the same Insurance issue via live chat. I stated that XXXX XXXX will cancel the policy if no payment is received by XX/XX/2020. Loan Depot did not provide any immediate resolution. Only stating that I will receive a reply on XX/XX/2020. 

XX/XX/2020 : Still no reply or resolution from Loan Depot. Followed up on the same Insurance issue via live chat. I requested " immediate assistance today to resolve the XXXX XXXX Notice of Cancellation issue. '' Loan Depot 's response was " I am unable to do so, the insurance department will need to resolve and review the issue. You have the option to make a payment if you wish. '' XX/XX/2020 : Used my own credit card to pay the {$820.00} insurance premium on XXXX XXXX 's website. Sent a copy of payment receipt to Loan Depot via customer portal messaging. I also requested a refund for the {$820.00} that Loan Depot deducted from my Escrow account on XX/XX/2020 that XXXX XXXX has never received. 

XX/XX/2020 : Instead of providing any refund. Loan Depot deducted another {$820.00} from my Escrow for insurance payment. My Escrow account now shows {$820.00} insurance deduction on XX/XX/2020 and {$820.00} insurance deduction on XX/XX/2020.