davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX, XXXX, I noticing a late fee charge of {$35.00} on my monthly statement and an increase of my minimum payment on my line of credit. 
I contacted Lowe 's SYNCHORY BANK. XXXX, XXXX, GA XXXX. 
XXXX XXXX : XXXX, and his Supervisor XXXX. Phone : XXXX I was told by the representative XXXX and his Supervisor XXXX that a late payment was XXXX because the payment which was due on XXXX XXXX, XXXX was received on XXXX XXXX, XXXX. I counter with the fact that ; the earliest available date, offered by my online banking systems on XXXX XXXX XXXX, was XXXX XXXX, XXXX. 
Additionally- The obvious reason for this avail date is, the fact that the payment period was a weekend, a XXXX and government holiday. These facts are supported with the knowledge all these are circumstances beyond my control. I was told by the XXXX 's supervisor key, that this is Lowe 's policy, and while the circumstance merits resending of the late charge. The increase to my monthly minimum balance, ( which I noticed was the same amount as the {$35.00} late fee ) will remain. 
Note : These business predatory financial practiced by XXXX 's financial services, increases client 's minimum payment by 20 % per occurrences. Actions that has the potentially to increase payments by 100 % over year, due to month with holiday and or weekends in their beginning. 
Actions which are evident, in my case, where the current assessment is the XXXX of XXXX predatory acts conducted by Lowe 's on my account. The first XXXX includes a posting of payment made on or about due date 3 days late, and assessing a charge. The second, assessing charges for late payment. When the due date accrued on a weekend. 
In conclusion- Lowe 's conduct is a reminder and reinstatement of practices use by credit card companies in XXXX. Which includes dramatic increase of APR and deviant accessing of late fee on consumers, who are already at their financial limits.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Dear CFPB, I 'm reaching out to you again because Chase Home Finance keeps playing games with my home, it is over 3 1/2 years working on trying to avoid foreclosure. After Chase refuse to help me modify my loan, they place me under a HAFA short sale. 
As of XXXX XXXX we provided a sales contract to move forward with the HAFA Short Sale. Now after 8 months working with CHASE HOME FINANCE. 

Chase keeps refusing to take my calls, they hang up on me and they have now placed a foreclosure sale date set for XXXX/XXXX/XXXX. 

Please help me since we have done everything in our hands to avoid foreclosure since 3 1/2 years ago and now its not fair that Chase Home Finance is playing games. 


XXXX XXXX
Consumer complaint received 2016-12-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I received a notice from Portfolio Recovery Associates , LLC about a credit card from XXXX/XXXX/XXXX. I received this notice on XXXX XXXX, XXXX. They say that they have had this since XXXX/XXXX/XXXX. they want me to pay {$2200.00} for this debit. First off it has been 15 years since debit was made. Second I do n't believe this is my debit. It has been on my credit for years and I have constantly questioned this. These people have called me on my cell phone all times of day. The last time I was called I was in the store. The lady was extremely rude and stated " Let me finish what I have to say before I listen to you. '' I then told her for the 100th time that they are harrassing me and to please leave me alone. they continue to contact me.
Consumer complaint received 2016-12-03
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Key 2 Recovery, Inc. (IL)

On XXXX I was contacted by Key 2 Recovery about owing money to XXXX University student accounts. I told XXXX XXXX that I did n't owe anything to this school because the money was from my student loans and grants. I sent her the paperwork where I withdrew from XXXX and enrolled into a different school. XXXX had signed all my paperwork stating I did not owe any money. Months after this I found out that XXXX had fraudulently took my grant money and student loans. I provided her with all my evidence of this. The account number for this account was XXXX. This account was closed. On XXXX 2016 I was contacted on my cell phone again by XXXX with account number XXXX about owing XXXX University money, this time the amount was extremly more than previously. This time I told them that I have already been through this before with this company. I was then told that they just got this account and have never had it before. I again told them that we have gone through this before and I have proven that this money was not owed. I told them to validate the information because I am tired of being harassed. I then found my original paperwork for the previous account and called them about that account number and was told again that it was closed. I am tired of being called on my cell phone. I am tired of proving over and over that I do not owe this and them then closing the account until they feel like opening another XXXX with a different amount.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Alabama Housing Finance Authority (WA)

Servisolutions refused a payment a month late, stating that our contract forbids anything but complete up-to-date payments ( so after 30 days, we needed to pay two full months, not one month behind ). There is nothing in our contract that states this. As we began to see we could not catch up, we contacted a counseling service which advised that we send a certified XXXX request, which by law they are required to accommodate. The company refused to set up a meeting and called us to yell at us that it would be a waste of time because our contract forbids any modifications. They also said, without notifying us first, that they had already started the foreclosure process and requested our initiating mortgage broker to take back our loan. We are now 5 months behind, they will not accept any payment that is not all 5 months in full, and our credit is destroyed. NOTHING in the copy of the contract that we have says they had to do this.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I am due a refund because my loans were discharged via XXXX v. XXXX. I contacted Mohela late XXXX. I asked for refund amount and if it has been sent to the treasury. I was told it was sent to the treasury and it could take up to XXXX business days. Today, XX/XX/year>. I contacted the treasury to see if the refund has been sent. They have received no payment authorization/request from Mohela. This information was NOT sent to the treasury.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I reached out to Wells Fargo to pursue a deed in lieu of foreclosure. Our property septic system was damaged ( system floated ) during flooding in XX/XX/XXXX of the property and our insurance did not cover the cost to repair was $ XXXX which we could not afford. We were where told we had to first get attempt to put the property on the market for 90 days & attempt to sale property, submit a request to short sale and be not make payment on loan before doing a deed in lieu of foreclosure. We hired an realtor & lawyer specializing in short sale and put the property on the market on or about XX/XX/XXXX. We submitted paper work and supporting documentation for the short sale application. We were assigned a Home Preservation Specialist XXXX XXXX. In XX/XX/XXXX we reached out to Well Fargo because house did not sale and was told we had to have the property on the market for 4 months after the approval of short sale. At that time we were told Wells Fargo did not receive supporting documentation we and our attorney emailed in XX/XX/XXXX. We faxed & emailed it to XXXX XXXX and our attorney emailed documentation duplicate copies. On XX/XX/XXXX we received an active contract on the property for a cash sale and our realtor and attorney reached out to Wells Fargo and was told they needed additional supporting information and we emailed and fax documentation to both XXXX XXXX. XXXX XXXX confirmed Wells Fargo received all required information to support application for short sale approval and a 5 day determination letter was sent to our attorney & realtor. We received a letter in the mail XX/XX/XXXX requesting the same information we again emailed and fax information. Wells Fargo continued to send communication that there did not receive documents up until XX/XX/XXXX. I called but could never get in contact with our assigned home preservation specialist nor loan adjuster ( XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXXXXXX ). I spoke with another specialist and was Wells Fargo system showed documentation was received but short sale approval still pending. Also informed me that the loan was in active foreclosure but no sale date had been determined. We have done everything asked by Wells Fargo to avoid foreclosure but have been strong along entire process. I research issue and found Wells Fargo has done this to many customers. We have not been unable to resolve this matter even with attorney and feels attention needs to be given to this issue. Hoping CFP can help resolve.
Consumer complaint received 2016-12-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I rented a house using my credit card through the XXXX website. There were problems as soon as I arrived, beginning with the fact that there was no connection to the internet. I worked with the owner and repair crew over three days to try to fix the internet issue as well as numerous other issues with the house such as 1. no heat -- house at constant XXXX degrees fahrenheit 2. insufficient electrical service to house to allow functioning of household appliances such as dryer or washer or jacuzi tub, electric broiler. 
3. Leaky roof ( leaked water onto living room floor ) 4. Hot water supply tube under kitchen sink leaked water onto kitchen floor creating a puddle and underside of sink covered with black mold creating a potential health hazard The evening of the third night the hot water ran out and since there was still no internet the next morning I sent the owner an email that I was leaving. The owner acknowledged that she was sorry that I was leaving and asked me where the keys were. I told her and left the property. 
The original charges were {$150.00} security deposit to be returned upon receipt of unharmed property at termination of rental and {$640.00} rental charges etc which included taxes and fees. I arrived on the XXXX in the afternoon and left on the morning of the XXXX. 
The amount of communications between myself and the owner is voluminous. The credit card company has not taken the time to read it in its entirety. Many of the statements made by the owner following my departure are not in agreement with those made beforehand. 
I discussed the problems with XXXX and asked for their advice during several telephone calls in the first few days. XXXX took no responsibility and insisted that the homeowner had discretion to refund my fees at any time. The owner had " warned '' me that my " window '' for cancellation was going to pass. This is not what XXXX claimed. I wanted to stay and resolve the problems but the house became uninhabitable with the cessation of hot water and continued problems with the internet. After my departure I called the credit card company and described the problems and stated that I wished for my money to be returned as the house was not as described and had no heat or hot water. 
I will try to organize the documentation that I do have and submit it with this summary. It is ludicrous that I should be charged for a 14 day stay including the non return of my security deposit ( {$150.00} ). 
I have some photographs to document my claims and will send the digital images along with this complaint. 

Attachments : ( How can I submit these?? ) 1. response to credit card company for major issue ( {$640.00} ) 2. under kitchen sink mold and electrical connections 3. Evidence that Homeowner knew I was leaving on the XXXX 4. Leaving the house 5. leak under sink 6. Trees cut neighbors property in attempt to strengthen signal ( homewowner aware of previous internet problems ) 7. My response to credit card company concerning return of security deposit 8.Keys left, prior emails 9. misc. issues, internet
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA XXXX Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Consumer complaint received 2016-12-03
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MO)

I have been a customer of Rushcard since XX/XX/XXXX. On XX/XX/XXXX i received a refund over {$2400.00} to my rushcard from my Home Mortgage Insurance company. Rushcard immediately froze my account and labeled this matter as fraud. They would not even allow me to access funds i already had in the account before the refund was deposited into my account. i sent in proof of my identity and the insurance company sent in proof of this transaction showing it is legeit. Rushcard will not allow me still to access the funds that were previous in my account. i have XXXX kids to feed and i have no money because all of my money was on my rushcard debit card. Your help is greatly appreciated.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

On XXXX/XXXX/2013 I received a 3 day pay or quit notice by mail from my apartment complex. I moved out on XXXX/XXXX/2013. The apartment complex never furnished me with receipts to cover the costs of the alleged debts I owed them resulting from damage and cleaning. Especially not within 21 days of my surrender of the unit. The apartment complex alleges that I owe them for unpaid rent and damages to the dwelling.