davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

On XX/XX/XXXX of this year, my mortgage servicer, PennyMac, utilized {$3300.00} of my escrow account funds and negligently/invalidly paid the property taxes for an unrelated loan/parcel. I contacted them, via phone, regarding this issue on XX/XX/XXXX. They indicated they would remedy the error. After two weeks, there had been no progress toward remediation. I contacted them, again, via e-mail, on XX/XX/XXXX. They responded that they were " monitoring the account '' and were waiting to converse with the Assessor 's Office for my county. I contacted them, again, on XX/XX/XXXX. The customer service representative indicated that nothing had been done to remedy the error. I explained to them that I had decided to sell my home and needed the funds restored to my escrow account to apply them to estimated taxes at close. They said they would expedite my request. As of Monday of this week ( the XX/XX/XXXX ) nothing had been done. I have provided them with my parcel number and a copy of the tax bill indicating that my home, which was only constructed in XX/XX/XXXX of last year, has no current taxes due. Because they have not assisted me, I will be forced to pay the estimated taxes ( roughly {$3500.00} ) out of my own pocket at close. Altogether, I have spoken with six customer service representatives and sent five e-mails regarding this issue.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MA SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Re : Acct #XXXX 
To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : Your Name ( printed never sign ) Your current address SSN P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (FL)

Hello : Date XXXX/XXXX/XXXX I called to Collection Company and asking for charge under my name they told me the charged was from XXXX XXXX for amount {$960.00} I never received any notice for this debt but I agree to paid in XXXX/XXXX/XXXX for they reported, remove and deletion this charge from the major consumer reporting agencies but I called several time they never respond my question what happened with you promisse. well I think was victim of the lie.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have been negotiating a repayment plan with Wells Fargo. However, every time we had an understanding, Wells Fargo " moved the goal posts '' beyond my reach. I asked them, through XXXX XXXX XXXX, who helped me during this stressful moment, for a reinstatement figure. However, Wells Fargo gave me an inflated amount orally. In other words, they never had the decency to give me a written reinstatement letter. Even though we were talking about a repayment, they went forward with a foreclosure process against me. On or about XX/XX/XXXX, they said that they were going to include legal fees on my reinstatement figures. Finally, I got a reinstatement letter after several attempts. One of Wells Fargo 's representatives asked me if " I had the money to pay them back. '' In other words, the reason why I never got a reinstatement letter before was because the people who handled my request for repayment thought I was not going to be able to pay them back. On or XX/XX/XXXX, paid them {$13000.00}. But, days later, Wells Fargo, through their attorneys filed a foreclosure against me. I think they also say I owe them {$300.00} because of late fees. I hope they do the right thing and forgive said money. It is unfair that they spent legal fees on a situation that we were working on.
Consumer complaint received 2018-02-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I'm trying to close my CD account with CaptialOne 360 at maturity but the button is not working on their website. I click on " At CD Maturity close account and transfer to Savings Account '' and I click Continue button but the button does nothing. I tried several times over the course of a month. The default action of the CD setting is to start a new CD at a much MUCH lower interest rate when the CD matures. My guess is that many other people are affected ...
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

My account was overdrawn by 2 two week old checks costing me XXXX in overdrafts that I can afford. This was TD Bank. I called and explained the situation to them. I spoke with the bank and at the time they said they could refund one of the fees. An hour later they still did not refund it. I called back and they turned the story around and said that they can not refund the XXXX. They flat out lied. Everyone has tough times and I was actually excited about getting the XXXX back. That means alot. I am very upset about being lied to. And would like at least XXXX back
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (TN)

About a month ago I lost my debit card from Charles Schwaab. When I called to report the card stolen, I was given a hard time from beginning to end. For some reason my account was marked as having something to do with fraud. I again, explained to them that there was no fraud and I had simply lost my card. A few days later I was told that Charles Schwaab was closing my account, and was never given a reason as to why. 

To me this was a very unprofessional and malicious action.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I attempted to pay my monthly mortgage payment of {$1800.00} to SLS by phone today, XX/XX/2018, and the automated service rejected my account number on 5 different calls from me. I then called every number I could find and I got the same recording stating that " our office is closed for a company meeting. Please call back in 30 minutes '' on each different line! I kept trying throughout the afternoon and NEVER got through! 
I have paid my mortgage on time for 13 years and I'm very concerned about this! Today is Friday so that means I can't get through to SLS until Monday, putting me in the penalty zone for late payment.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MN)

My account with TransWorld inc for ( purchasing power ) is Paid in full.

Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc.

I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}.

Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX   report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full. 
PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks. 

( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EXPERIAN XXXX. XXXX  XXXX XXXX TX XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

Regarding erroneous item Carecredit/XXXX XXXX_acct XXXX reported by XXXX XXXX  to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX is reporting this account as " Collection '' when they have not legitimate claim, and has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. Synchrony refers to " Care Credit '', which is a debt that was satisfied two years ago, assumes they are one and the same accounts. Synchrony has most recently communicated that they have terminated collection efforts on the account, but will continue to report activity on it, which they have not right or claim to do. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX  has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to TransUnion & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Consumer complaint received 2018-02-17
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: SYNCHRONY FINANCIAL (FL)

My credit report shows a hard inquiry from XXXX. I have a XXXX card and have not used it in well over a year. XXXX balance. I am not looking for a second XXXX card and did not request one for me.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. 
THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

In XX/XX/XXXX I had several unauthorized charges made to my account- I worked closely with Citi Bank but finally right before XXXX I was told that I would NOT be compensated for the unauthorized charges which were a little over 1,700 - their reasoning was that I was honest and said I never lost my card and since it was a chip card and they say it was swiped they say I am lying that I made the charges- I have requested several times since then - most recently during the phone call during my last complaint for proof that they validated the charges using camera footage or by comparing the receipts ( in XX/XX/XXXX they requested a copy of my DL to compare and it was sent immediately ) during this most recent conversation I was told that they did not have to tell me if they validated the charges- which I know is not correct - I am asking for assistance- I am not trying to get out of the money I spent just get assistance with the money that was not authorized
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Network Inc (CA)

On XX/XX/XXXXI contacted Financial Credit Network by certified mail, requested to send certain documentations to show that the debt is in fact mine, which is ( Debt Validation ) they refused to show me any documentation stating that it is, as they continued to file a debt that doesn't belong to me it continued to hurt my credit and caused me to get denied for a credit card. I then sent then a 2nd letter which was sent XX/XX/XXXX which was to send documents that were requested in the first letter and also requesting to send additional information which included 1.the original instrument, 2. their registration details with the financial conduct authority. 3. their registration details with the information commissioners office. 4. their consumer credit license number 5. their public liability 6. their registration details with any other regulatory bodies. the company did not. third letter was sentXX/XX/XXXX requesting the same information needed to show proof that the debt is in fact mine. The company sent a copy of a bill with my incorrect address stating that its mine the amount stated that I owe was XXXX which doesn't prove anything, The company denied to send requested information yet again and now I want to file a complaint because I believe this company is committing fraud.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I contacted equifax dispute center on XX/XX/2017 and XX/XX/2017 in regards to XXXX inquiries they are reporting on my credit report. I advised the representative that the inquiries were not authorized by me and I had supporting documentation from the companies stating they made a request for the inquiries to be removed. I have sent correspondence via fax and mail and have called numerous times and the inquiries are all still reporting. The inquiries reported without my authorization are XXXX, XXXX XXXX XXXX and XXXX XXXX. Equifax has yet to acknowledge requests from both myself and the companies to remove these inquiries even though I have disputed these inquiries.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America offered {$100.00} as bonus to new customers who spends {$900.00} within 3 months after opening the credit card account. 
I opened my account on XX/XX/XXXX2016. I did not receive the promised bonus after spending over {$900.00} with in 3 months after opening the credit card account. 
I 've been to the BoA branch where I opened my credit card account numerous times regarding this issue, and BoA representative denied the existence of such offer.
Consumer complaint received 2024-11-07
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. (OH)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!