davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MD)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

GreenTree Mortgage LLC offered me a Mortgage Modification Trial Period Plan ; however, their offer was dated XXXX/XXXX/14 and I received it on XXXX/XXXX/14, the same date the XXXX payment was due. Their envelope was not postmarked so I could not confirm the date they actually mailed it. Because I could not confirm the date they mailed it and I received it so late, I could not trust their offer was legitimate and therefore I did not make the XXXX payment due XXXX/XXXX/14 which is the same date I received their offer.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

On XX/XX/2023 I use the pay anyone feature in my Chime app to send {$720.00} to my sons mobile number but to my dismay when I entered my sons mobile number nothing showed it was just his number and it said to confirm pay so when I hit confirm pay the payment was sent and then thats when a name pops up a name of a person that I do not know it was the name to the person that still had their chime account linked to the phone number that I was just issued on XX/XX/XXXX I sent chime the documentation that they asked me for which I then reached out to the recipient requested the money back and they didnt reply back I also sent them a receipt of when the number was issued so that they could see that I didnt know the person that was still connected to my sons account iContacted chime immediately they did nothing about it I told chime that I could verify the phone number they sent the money to wrong recipient it went to the account not the number. put that they sent the money to because the recipient was the wrong person yet they did nothing about it they tried to contact the person on the other end but they couldnt get in contact with her because she didnt have the phone number any longer the number was just issued to my son which is XXXX and wasnt old enough for a Chime account Chime refused to give me provisional credit why why they investigate the matter which they said it will be thoroughly investigated by XX/XX/XXXX but this was just XX/XX/XXXX I feel that the recipient should be at fault as well because she saw that I requested the money back a million times its unfair and is just not right chime denied the dispute immediately without even thoroughly investigating because if they sit down and looked at the facts then it wouldnt be an issue or error on me yeah I also sent chime to where you know every time the recipient try to make a a purchase or a transaction it will come to my phone number and she was trying to spend my money on {$100.00} on TikTok or you know Im saying I was blocking the transactions because I still had the number but I didnt have access to her chime account and I show chime all of this a team member even checked and saw that them that I entered a mobile number not a member chime member into my app and saw that the money went Straight into the account I didnt pay through my checking account I paid why enter my sons mobile number that I was 100 % sure belong to him
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NY)

I helped my parents buy tires for their car when my father was ill. The tires came with {$100.00} rebate. My mother received the rebate in the form of a prepaid MYPREPAIDCENTER VISA card. My father soon passed after the card was received, and my mother gave me the card. I couldn't deal with it immediately, and put it in a pile of papers with my parent 's stuff. I found the card in XXXX of 2019, not realizing there was a expiration date on the card. I attempted to use the card at XXXX  on XX/XX/XXXX, the card was declined. I called and it said their was {$100.00} on the card, but soon realized the card expired on XX/XX/2019, the day before my attempt to use it. I called Prepaid XXXX number and somehow was able to get a " live '' representative. I explained in detail my situation, I even got my mother on the phone, to explain why I had the card in her name. He told me that they have to review the case, and they would get back to me in 7-10 business days, and that I might have to pay a small replacement card fee, and I said that was fine. 10 business days have more than passed, and no one has ever called me back. I gave them my cell phone number and address, with my work I can't always answer my phone, but never received any response. I have tried to call the only number they provide on their website and card, but it is only fully auto response, and tried every menu, and can not get a person to talk to. This is the case number the rep provided me when I called on XX/XX/XXXX - XXXX. I understand that the card expired, but I am hoping the funds are still available, either way, I am just hoping to get an answer.
Consumer complaint received 2023-03-08
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted from my file right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
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. (WA)

Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

Fifth/Third bank purchased my mortgage from another bank. I would have never sought a mortgage from them because I have never heard great things about this bank, but here I was, in business with them. From the onset I had issues with them and their lack of communication. But all heck broke loose when I received a letter from them telling me they were raising my mortgage payment by {$1000.00}. I have a conventional mortgage with a fixed rate. I live in DC where I pay about {$6000.00} in taxes per year and a little over {$1000.00} in home insurance. I purchased my home in XXXX and had several thousand dollars in surplus ( credit ) with DC tax and revenue. For the following 2 plus years or so after I pu8rchased my home DC just debited that surplus to pay my tax bill. My escrow paid XXXX in taxes. When all but {$1500.00} was paid, as the surplus was exhausted, DC submitted a tax bill for that amount to Fifth/Third bank. They paid it. Then, their incompetent team estimated the escrow needed for the following year and used the {$1500.00} ( from above ) to estimate what they would need to collect from escrow for the following year, underestimating my escrow. In XXXX of last year, I received a letter telling me that my mortgage would be going up by {$1000.00} because escrow would not be able to cover the tax bill for XXXX. So in essence, they are collecting {$13000.00} more to pay about {$7000.00} in taxes and insurance for the year XXXX. How does this make any sense? I have written letter after letter asking for a break down of my escrow as well as proof that they paid my taxes during the surplus years as they are telling me - nothing. I spoke with DC  so I know they did not. What they tell me is they can not help me in writing but I am free to call their bank to speak with someone. I tried. Nobody knows anything, specifically what happened, can't provide me with any useful information and just wastes my time. I work, I have a little boy at home. I don't have time to wait on the phone during working hours and they close at XXXX, they tell me. I can't afford a {$1000.00} increase in my mortgage. I have been paying that increase since XXXX of XXXX but I don't know how long it will be before I default on my mortgage due to this incompetence. I just don't know what to do. Who are these people responsible to?
Consumer complaint received 2023-03-08
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. (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Sayer Law Group, P.C. (IL)

it is my second time receiving a letter from this sayer lawyer group for an alleged debt that is not even reported on my credit report because IT IS NOT MY DEBT! 

I sent them a certified letter on XX/XX/23 asking them to provide me with the contract that proves i am liable for this allegation and who were they as i never heard nor contracted with them! they did not send me any proof and i also look them up on the state of Illinois if they are even registered and licensed to legally send me correspondences and they are NOT licensed! 

they are in violation of the Illinois Collection Agency Act ( ICAA ) and the Illinois Debt Collection Act ( IDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

they failed to Produce a Contract, Delegation of Authority, Regulatory Authority therefore I demand they Cease and Desist Immediately any correspondences with me see attachment of my certified correspondences sent to them. 

I need your help to have them stop harassing me
Consumer complaint received 2020-01-25
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: LEXISNEXIS (NC)

Lexus Nexus Consumer Center stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I was the victim of an elder fraud scheme between XXXX, which included one Zelle transaction on XX/XX/XXXX. My first call to Zelle to report this was on XX/XX/XXXX when I initiated a claim of fraud and was told to follow up on XX/XX/XXXX to check the status of my claim. I called on XX/XX/XXXX and was told that they did not have a status yet but that I should follow up with them on XX/XX/XXXX because there would not be any new information before that date, and, if my funds were going to be recovered, that would happen by XX/XX/XXXX. I followed up with Zelle on XX/XX/XXXX as instructed by The Zelle Fraud Hotline Customer Claim representative and was told that my funds were not recovered and that they could not do anything further to help me get my funds returned to me.
Consumer complaint received 2023-03-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Received notice of default after buying home XXXX. Paid {$3400.00} plus 1 monthly payment of {$160.00} XXXX XXXX Interest rate 8.75 % after pre-modification XXXX balloon payment {$20000.00} after paying {$150.00} for 480 months.
Consumer complaint received 2020-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Set monthly payment up on bi-weekly for {$650.00} and after the first of the year my escrow amount increased. Instead of the company notifying me of the increase of escrow and change in payment, they automatically changed the payment amount drafted out of my checking account. I already paid an extra {$20.00} towards principal each payment and they increased the amount withdrawn out of my account anyways. It should be against the law for them to change the amount drafted without getting permission from the account holder first. Thank you for your help with this.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Reported XXXX. The person was very agitated, but did put XXXX fraud claims in. I got a letter a few days later they couldnt get a reply case closed. I called back and another person opened a new claim # XXXX never heard anything. I called today, they said case closed. The other bank did not respond. I received a letter which I never did. I was sending wire transfers to do stock trading, but I was scammed out of all my money. 
XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX Because they save me unfit and they are registered with the XXXX XXXX XXXX under their CRM code I feel they should reimburse me.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I am writing to file a complaint regarding the mishandling of rewards on my XXXX XXXX Credit Card, issued by Comenity Capital Bank. This issue involves the non-issuance of rewards that I am rightfully entitled to, as outlined in the rewards program 's Terms and Conditions. 
I have consistently met my obligations as a cardholder, always paying my balances in full and never being delinquent on my account. According to my statement that closed on XX/XX/2024, I earned {$160.00} in rewards coupons ( 5 % rewards on purchases at XXXX XXXX ). On XX/XX/2024 I used {$25.00} of these rewards, but the remaining {$140.00} were unexpectedly nullified without explanation as I tried to used these the same day. I contacted Comenity Bank customer service and upon review the representative supposedly escalated to a supervisor. I was informed that a supervisor will follow up. None of that happened no follow up no escalation. I went back 2 days later to the store on XX/XX/XXXX and the same result not able to use my {$140.00} remainder rewards. 
Despite my history of responsible use, the immediate response from Comenity Capital Bank and their customer service representatives to my multiple phone inquiries was to deny any responsibility for the rewards discrepancy. Moreover, they failed to make a reasonable effort to investigate my rewards dispute, as required by the attached Terms and Conditions. The customer service agents repeatedly stated that, once the rewards are issued, they have no control over the matter. Moreover, the representative said she saw no prior notes of my previous calls regarding the issue. This stance directly contradicts their obligations under the cardholder agreement. 
I also sought assistance from a XXXX store manager, making multiple trips to the store where I shop, but I was informed that they have no authority over the rewards program, leaving me with no further recourse. I believe that both Comenity Capital Bank and XXXX XXXX have failed to uphold their contractual obligations, resulting in a loss of rewards that I rightfully earned. To make matters worse, they have provided inconsistent information and given me the runaround in my efforts to resolve this issue.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MD)

The Firm did respond to the prior complaint and debt verification request on XXXX and provided same in response to the prior CFPB complaint on XX/XX/XXXX by attaching same letter. Letter mailed on XX/XX/XXXX is attached here for reference.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Sterling Infosystems Inc. (CO)

On XXXX XXXX, 2016, I responded to an online ad for a XXXX position for XXXX XXXX XXXX XXXX disclosed online, their background requirements and the process for securing a job. Their background check screening goes up to 7 years so I applied for the position. Later, I learned that XXXX XXXX background check requirements was misleading when I received a copy of my background report from Sterling XXXX XXXX the " Background Screening Service '' where my background check revealed that a 7 plus year background screening was performed on me which, I was not aware of nor did I authorize XXXX XXXX or Sterling XXXX to do. 
On XXXX XXXX, 2016, after I received my report from XXXX XXXX. I immediately requested that Sterling XXXX investigate the errors on my report and demanded to know why their company disclosed information to XXXX XXXX that was more than several years old. I believe Sterling XXXX clearly knew what they were reporting and how far back that they were reporting this information to XXXX XXXX. I believe that they deliberately distorted and lied about my clean motor vehicle record and there were a couple of dismissed cases on my report that were more than 15 years old, that Sterling XXXX XXXX reported to the employer. On XXXX XXXX, 2016 I received an email from Sterling XXXX Representative " XXXX '' stating that she completed the investigation and that she sent me a copy of my report but, I have yet to receive it. 
Even if, Sterling XXXX send me this report, the damages have already been done. XXXX XXXX sent me a new email on XXXX XXXX, 2016 with a second and final decision not to hire me. I believe that Sterling XXXX is at fault for this and for violating the Fair Credit Act. I feel that I have a right to sue for damages in the state or federal courts and I need to know how to proceed in this case. 
I am going to attach a copy of the email I wrote to Sterling XXXX CEO XXXX XXXX and XXXX XXXX. Representatives in regards to my complaint against both companies and I 've attached a copy of the background check that was emailed to me by XXXX XXXX including an online link to XXXX XXXX background check requirements. Here is a copy of the online link : XXXX. I have a copy of my actual background and motor vehicle record at your request. 
Sincerely XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I had a XXXX credit score after paying off XXXX XXXX  early. Somebody closed my credit card through Capital one without my permission. I dont think it was capital one. I believe it was a scammer. Now I have bad credit. What happened to my credit score woth XXXX and XXXX XXXX.? Also I never lived in XXXX Colorado on my previous addresses I believe a scammer was using my identity
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank charged off my account and sold it to XXXX XXXX XXXX  sometime in XXXX. I paid this account in full to the collection agency XXXX  XX/XX/XXXX. XXXX deleted it from my report as agreed. 3 YEARS LATER Comenity bank is still reporting this charge off to all XXXX credit bureaus illegally and will not remove it. I just spoke with a supervisor named XXXX XX/XX/XXXX XXXX XXXX who confirmed the account was charged off and sold. It should not still be reporting as they SOLD it and I paid the collection agency. I was also told they refuse to send me any documentation stating that it was sold to a collection agency. Ive disputed this several times through the years and Comenity keeps responding that the info is accurate. I dont dispute the account status of charged off. However once they sold it to the collection agency, Comenity Bank shouldve have removed their reporting from my consumer reports.