davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
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: SUNTRUST BANKS, INC. (GA)

I have my credit card through Suntrust Bank. My card was stolen and used on XX/XX/XXXX, along with a credit card I hold for my mother for emergencies. The fraudulent user charged {$11000.00} on my card in 4 separate transactions. Three {$3000.00} transactions and one {$2000.00} transaction at a XXXX in XXXX, NC where I was visiting family at the time. The charges on my moms card totaled {$8000.00} at the same location, but hers have been totally resolved.When I realized my cards were indeed lost and stolen on XX/XX/XXXX, I immediately cancelled my card and filed a fraud complaint as did my mom. My bank recently has said that they denied my claim and found me responsible because I participated in or benefited from three transactions. They refused to provided me with any evidence or the full investigative report to prove themselves. I am at a total loss. My credit history does not reflect this kind of spending and besides the fact that these charges were clearly FRAUD, no one from my bank notified me or called me to verify that these unusually high amounts were legitimate at the time the transactions happened. This is unfair and the stress of all of this has greatly affected me. I have since filed a police report and will hopefully be speaking to my case manager soon. I never thought I would have to prove that I am not a thief. Absolutely ridiculous.
Consumer complaint received 2019-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (RI)

I have been paid ahead and never late on my payments on my mortgage, yet every month I receive a letter stating I am 2 months behind and a penalty is applied. 

My mortgage payment started XX/XX/XXXX and below is a list of all the payments made since then. 


I have made total payments on my mortgage since XX/XX/XXXX of {$9700.00} in 6 months. My monthly mortgage payment is {$1200.00}. 

Total payments : XXXX was paid in full on XX/XX/XXXX with a {$1300.00} payment Payment of {$630.00} was paid from my XXXX XXXX XXXX  account plus {$650.00} on XX/XX/XXXX and {$650.00} on XX/XX/XXXX from XXXX XXXX  to pay the XXXX XXXX. Then on XX/XX/XXXX another {$1300.00} was paid all for the XX/XX/XXXX bill to make sure when I signed up for semi-monthly payments there would be no issues. 
In XXXX, XXXX payments on XX/XX/XXXX and XX/XX/XXXX of {$650.00} each were paid towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XX/XX/XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made XXXX and XX/XX/XXXX towards the XXXX bill. 
A payment of {$650.00} is scheduled to be made on which will apply towards the XXXX bill. 

Every month a new letter or statement comes in that states I am 2 months behind and a penalty of {$41.00} is applied. 
I have called JP Morgan several times and have been told that this would be straightened out. By applying late penalties to my mortgage they are destroying my good credit because this gets reported to the 3 agencies.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX    15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (IN)

On XX/XX/XXXX I wrote a check that was presented electronically. On XX/XX/XXXX the same check was then presented as a paper check. I disputed the item on XX/XX/XXXX, but it was rejected. A few days later I called back and was told a manager would call me, but did not receive a call. I waited a few days later and called back in, but was unable to reach anyone. I attempted to resolve through online chat, but was told I'd have to call in. I then tried to call in and another dispute was processed. I asked to speak to a manager who  said it was the wrong dispute. She transferred me to the branch who then processed the exact same dispute which was again rejected. I went into the branch and was assured that it would be resolved, but it has not. I have been assed {$180.00} in overdraft fees and there is still no resolution as of XX/XX/XXXX. I am told to expect a call on XX/XX/XXXX. Total loss is {$220.00} and no one is actually calling back as promised.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NY)

To whom It may concern. My problem seems to be with Equifax providing wrong Information to XXXX and XXXX XXXX about my account. I applied for these cards on XX/XX/2019. I was told by credit karma my score was good to sign up. However Equifax as wrong information. I had this credit cards years back XXXX XXXX. XXXX XXXX XXXX loans took it over at some point. In Late XX/XX/XXXX this was all paid off. They agreed to remove any late fee 's and any negative reports on my credit and that my credit would be fixed with all credit companies. XXXX has no problems. Just seems to be Equifax. I do not want to have tons of Hard Inquiry 's due to applying for same card twice due to this misunderstanding. If someone can call me as soon as possible to resolve this matter. I feel this Is totally unacceptable and Equifax should stick to there word and remove this from my report since I paid as agreed upon.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management (VA)

Repeatedly calls daily, will sometimes leave a message. Has left one message, the voicemail says ... Good afternoon this message is for XXXX XXXX, my name is XXXX, I'm in the claims department here for Pendleton Capital, if you could please give me a call back at XXXX ext XXXX, when calling back please refer to claim number XXXX. We have a claim here that we need to speak with either you yourself or your legal consult to come up with some type of resolution. If I don't get a response back I will have to put a recommendation to proceed and forward it out. Claim number is XXXX and I can be reached at phone number XXXX extension XXXX.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (OH)

In XX/XX/XXXX, I filed a complaint with the CFPB regarding Credit Corp Solutions and their calling me at work after I had asked them not to, and their illegal threaten of legal action. In their response, they agreed to settle for {$1200.00}. Unfortunately, I had to put that money elsewhere, and I was also afraid to give them access to my bank account information due to the fact they had violated rules earlier and I could not trust them to keep their word. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  XXXX, dated XX/XX/XXXX stating they represented Credit Corp Solutions in the matter of a debt with XXXX XXXX in the amount of {$2400.00}. On the same day, XX/XX/XXXX, I contacted XXXX XXXX  XXXX through their website and requested validation of the debt. 

I did not receive any validation or verification from XXXX XXXX  XXXX, and therefore had no reason to believe they legitimately could collect this debt. 

On XX/XX/XXXX I was made aware that a complaint had been filed against me in this matter in my local court, despite the fact that I had requested validation from XXXX XXXX XXXX. Now I am being sued for this debt by a company, Credit Corp Solutions, who I had previously agreed to pay and had made an agreement with because they broke the rules and now their attorney has as well.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (VA)

There is a charge off for {$200.00} on my credit report from Miramed Revenue Group. I have never been contacted by this group. This is not a valid debt and I think they are running a scam. I had hospital bills that have all been paid. I believe they have stolen personal information about me, and have filed this collection as a way to intimidate me into paying a debt that is not mine.
Consumer complaint received 2019-03-03
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: Mr. Cooper Group Inc. (GA)

Mr Cooper has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX Mr.Cooper has only reported to XXXX reporting agency.they lied about reporting payments to XXXX, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when Mr Cooper was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.Mr.Cooper has cause me a great deal of mental stress and they need to be seriously sued in a court of law.Mr Cooper knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.
Consumer complaint received 2019-03-01
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: AMERICAN EXPRESS COMPANY (FL)

My personal information was stolen according to a letter from the IRS, XXXX  AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (NV)

XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.
Consumer complaint received 2019-02-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Main Street Personal Finance (MI)

Office of XXXX XXXX contacted me on XX/XX/2019 and threaded to send XXXX county to my home. Agent on the phone abusive and threatening. XXXX Is the call back number given.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

I attempted to deposit a check at the local Regions Bank located in XXXX Texas that was missing a endorsement from the second party which was lien holder of my vehicle. The check was placed on hold and all of my accounts were frozen as a result. 

Ive spent a total of 5 hours trying to rectify this matter at the Regions Branch and on the phone. I contacted XXXX XXXX to cancel the check which they did. I was told once the check was either endorsed or canceled then the hold would be lifted from my accounts. I was lied too. Regions bank will not do their do diligence and are still holding the check after receiving proof its been canceled. These is Day 2 I am unable to feed my daughter and make any purchases.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC (TX)

XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX XXXX  central time on XX/XX/2019.
Consumer complaint received 2019-03-01
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: AMERICAN EXPRESS COMPANY (CA)

I contacted American Express Serve due to possible fraud on my account. Was on the phone for over 3 hours and unsure if a fraud claim was filed. Was not explained if the claim as placed and my account locked for now. was not explained about obtaining a new credit card nor the expectation on the claim. I spoke with 7 different reps, supervisors and managers all were rude and did not explain anything to me. I was disconnected from both of the managers and no return call back from either. Transactions are still occurring on my account that I did not give authorization to make. 

XX/XX/2019 - XXXX XXXX XXXX {$120.00} XX/XX/2019 - XXXX {$500.00} XX/XX/2019 - XXXX {$520.00} XX/XX/2019 - XXXX {$260.00} XX/XX/2019 - XXXX XXXX {$6.00} as of the time of filing this complaint.
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (CA)

After receiving a letter threatening to garnish my wages over a {$3500.00} loan that's halfway paid off from the Department of Education, I submitted the documents they requested showing that would cause a hardship under two different categories via certified mail and it was delivered. Last week I received another letter requesting the same documents plus additional ones be sent to a collection company in New York within 15 days of the DATE OF THE LETTER. I live in California it took me almost a week just to get the letter and one of the requested documents would take at least 10 days to get from XXXX. On top of that they're requesting a letter of termination from my previous employer that I was never given and can't ask for now. In fact I don't know a single person who has ever received a " letter of termination '' from a job. I can't afford to have my wages garnished, they've already taken and continue to take my tax refunds yearly this is just extreme.
Consumer complaint received 2019-02-28
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. (WA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

I had a XXXX XXXX loan on my condominium. After Hurricane Harvey, I was offered a deferral period due to my home being flooded and needed extensive rehab before it was livable again. A person that I talked with told me that at the end of the deferral period, I would be given a modification and the interest rate would be reset to current market rates. This would have been a good deal for me, so I did accept the deferral as ( 1 ) I had no idea what kind of money was going to be needed from me to rebuild and ( 2 ) the current market rates were much better than the rate that I had. About 2.5 % better on the average. 

My rebuild took much longer as the storm damage was so extensive in our area that it was hard to have materials delivered without a long wait. Thus, I didn't get a fully livable condominium until about XXXX or XX/XX/XXXX. I was out of my house for a full year. 

Ditech came forward with a modification agreement asking me to sign where they added past due interest of {$4400.00}, eligible servicing expenses of {$18.00} ( why? ) and taxes and insurance of {$1100.00} ( double why???? ).  Taxes and insurance are part of my escrow account, not part of financed money. And I don't escrow my insurance anyway, I pay it with my HOA dues and to XXXX myself. It doesn't go through the mortgage company. 

What is most shocking though is they have amortized the loan out another 40 years (!!! ) when I had only 15 years to pay on my original mortgage. And they did not lower my interest rate, and they re-started amortizing the loan as a totally new loan. I would think a modification only modifies some of the terms, it should not start over as a completely new loan. They lowered my payment a little, but I did not ask for this and I did not need it. 

If I had continued to pay my old loan, I would have paid {$31000.00} in interest from XX/XX/XXXX to the end of the loan. With the modification, I will pay {$95000.00} in interest. 

I did ask a rep if they had lowered anyone 's interest rate, and I was told that yes, if the balance owed was already a large amount, they lowered the interest rate to make it easier for the mortgagee to pay. 

Now Ditech is in Chapter XXXX bankruptcy. I feel very much held over a barrel to pay all this extra interest just because I deferred payments for a year, and based on inaccurate information. 

It seems that I could continue to pay as if my old mortgage was in place and get out before 40 years pass ( I hope so since I am already XXXX years old! ). However, this is just wrong, They should not be able to do this to a consumer whose mortgage was not behind. 

I have tried to refinance, but my credit score is just beneath what lenders want, so I am unable so far to do so. 

Possible I would be forced into a sale and get rid of my mortgage, but then I would be faced with a market with real estate prices much higher than when I bought this place, so it is all out of my reach now.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (PA)

Called and wouldnt give the name of the company I owed as I knew it and wrote checks to, repeatedly. Refused to provide proof, other than phone calls, that they were authorized to collect the debt despite my asking for this over and over. Refused to talk with me after bankers hoursalways when I am working. Asked them to send correspondence to my work address, they refused. Refused to allow communication with them by email or faxthis is 2019 folks. Even the debt they are trying to collect was executed electronically. Refused to stop cutting me off in mid-sentence. Attempted to intimidate me by ignoring things I said when I talked and cut me off. Refused a call back from a supervisor. Their accounting of the amount owed is wrong even though I have bank records that show that Im right. Refuse to look at that accounting. A company based in XXXX GA keeps displaying a XXXX, IL area number because my cell phone has a XXXX number, leading them to give me incorrect times as tomwhen they weee open. Made light of my job in television as a news reporter who has done story after story about scammers.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2019-02-28
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

im am writing in regards to Experian reporting inaccurate information on my credit report. i have no acknowledge of the tally tech account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA failure to do so will result in a small claims court law suit reporting to the state attorney general better business bureau and the bar association