davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2019-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Both XXXX and Navient are crooked. A ponzi group of schemers. XXXX XXXX in 2002 dismissed my wifes loan who is a XXXX XXXX. We filed a complaint to them and XXXX XXXX  investigated the u of XXXX Their findings. Were. That the u of XXXX were at fault. For improperly dismissing our son They dismissed our loan and told us that the u of XXXX was returning the loan money approved by XXXX XXXX president. And we are still being bothered.
Consumer complaint received 2019-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

My mortgage was issued in 2005 with XXXX  XXXX XXXX and subsequently sold to M & T Bank.

M & T Bank has been servicing my mortgage for over 5 years. This past XXXX M & T Bank force placed their Insurance on property as a result of them stating H06 Insurance was always required. 

Year over year the bank has requested my Master policy, been provided my Home Owners Association and have never requested a H06 Policy. 

As a result, my mortgage increased by over {$400.00}. I contacted M & T bank to file a complaint where a rep called me back once, I responded to her call multiple times by telephone with no call back from her. Weeks later I was sent my original mortgage documents with a clause highlighting that if my mortgage is sold to another company, I must comply by their rules. Which they were enforcing over five years later. 

As a result of M & Ts action of neither requesting or enforcing their H06 policy rule when they purchased my mortgage, the insurance I was offered through an Insurance company was almost as high as the Insurance Im paying M & T Bank. This is due in part to having no prior Insurance and an owner for over 10 years. In addition M & T Bank has collected {$1000.00} dollars from me over a 2 month course on a mortgage balance of Less than Ninety Five Thousand Dollars.

These practices are unfair customer treatment and I feel they should be reprimanded for their actions. 

I most definitely will be joining the class action lawsuit regarding this Insurance matter.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — Payroll card
Issue: Problem with an overdraft — Was signed up for overdraft on card, but don't want to be
Company: Automatic Data Processing, Inc. (FL)

On XX/XX/XXXX, I saw that my car insurance company had charged me twice time my debit card. I called my debit card company and made a report. I can use my card just after take my paycheck deposited in my account.. a couple of days after, I saw a charge U {$12000.00} from XXXX, but without my authorization. Then, I called again my debit card company, and they decide, lock my account, and send me a new card. after around 2 weeks, a card was delivered in my home, but to now, I don't have my U {$12000.00} deposited in my account. Then, I called my debit card company again. After 1 hour waiting in the phone, the attendant said that she needs to transfer my call for dispute. I wait for 2 and a half hours, and it's turn off. No answer anytime. I try all week, 3 times for the day, and nothing, no answer. In one this call, the customer attendance told me that I have few money, and its the cause that nobody want to help me. Thru now, I don't have my money
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complain is to advise you that an improper investigation was conducted by TransUnion. TransUnion failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, TransUnion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CO)

I was contacted by a debt collector called XXXX XXXX in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX and XXXX. I have trying to Express my situation with XXXX and XXXX bu th they just wont listen and have now file a court case against me for a bill I already paid.
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (TX)

During the month of XX/XX/XXXX, I approached my lender about not receiving my car title. After several days I was told that I had a balance. But as far as I'm concerned I don't. 

Prior to my bankruptcy discharge those with a secured interest were sent notice whereby they could advise if I had a balance and this company did not.object. I followed up and sent Exeter a certified return receipt correspondence on XX/XX/XXXX and still no reply. 

Return receipt number XXXX
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called trans union about a hard credit inquiry and all they said was they would look into it. The inquiry was for XXXX/XXXX and the phone number listed doesnt work
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I NOT LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Today, Friday XX/XX/19, I received a notice that my credit limit was reduced at citibank. This is the third time my limit has been lowered, and it seems that every time I make a substantial payment, Citibank engages in this " balance chasing '', which has a negative effect on my credit bureau report. 

I filed a CFPB complaint concerning my treatment the last time this happened, and I asked whether it was possible to reduce my interest rate or do anything else in lieu of the higher limit. They did not make any sort of concession other than pulling my credit again to try to see if it hit their criteria for restoring it, which it did not. 

Also in the context of that complaint : creditors are aware that the debt-to-income ratio on both individual lines and the overall profile are a very large share of FICO scores. Citibank showed utter disrespect for the authority of the CFPB by making an utterly farcical statement that they could not predict the outcome of lowering my limit to within a small amount of my current balance. 

I decided to close my account. As a final slap in the face, the rep told me that I would forfeit the small amount of cashback on the account, because I was closing it. The rep also told me today that I would not be eligible for any sort of hardship program if I closed the account. At this point, I'm treating this as damage control. They can't raise the interest rate again if I close it.
Consumer complaint received 2019-05-18
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. (NC)

Equifax has fictitious reports about my credit and when I disputed them they dropped my score even lower! 
The other two credit agencies show my credit in the seven hundreds while Equifax dropped me to XXXX. I was injured in XXXX and incurred medical bills causing me to lose my house, my job and my wife divorced me. Im getting my finances back on track, but Equifax keeps ignoring my complaints. What is going on with Equifax? They are ruining my credit and making it impossible for me to get back in good standing.
Consumer complaint received 2019-05-18
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: WELLS FARGO & COMPANY (MD)

In this case, I disputed 3 charges with Wells Fargo, which were {$610.00} each. Wells Fargo then provided me with 3 provisional credits for the 3 disputed charges. ( Screenshot attached ) A week later, ( on XX/XX/18 ) Wells Fargo sent me a letter ( attached ) stating that the merchant had refunded one of the {$610.00} charges ( on XX/XX/18 ), and that Wells Fargo will re-charge for the corresponding provisional credit they provided, however, they never did, until XX/XX/18. ( over 100 days later ) I believe the former was not timely, since the bank did not re-charge within a reasonable time-frame in accordance with UCC Chapter 4-215.

The other 2 disputed charges were refunded by the merchant on XX/XX/18. ( Screenshot attached ) On XX/XX/18, Wells fargo subsequently sent me an email / letter ( attached ) stating that the other 2 provisional credits, which were for the remaining 2 charges, have now become permanent. 

Specifically, they said, " We are pleased to let you know that the temporary credit we posted to your account for {$610.00} on XX/XX/2018 is now permanent. 

Your dispute is now closed. 
A dispute final close letter will be sent through the US postal service. '' However, on XX/XX/18, they re-charged for these 2 provisional credits they placed on XX/XX/18. I believe all 3 re-charged amounts, which Wells Fargo re-charged on XX/XX/18, were not timely, in accordance with UCC Chapter 4-215, and possibly in direct violation of Banking Regulation E and Z, in addition to other compliance regulations Therefore, I believe their right to re-charge should have been forfeited. If so, Wells Fargo should be required to credit back the 3 {$610.00} charges. 

The timeline is as follows : Timeline : XX/XX/18 - Disputed 3 charges for {$610.00} each XX/XX/18 - Wells Fargo sent letter stating, " We have closed your dispute Dispute Number : XXXX Date Posted : XX/XX/2018 Merchant Name : XXXX *XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Credit Posted " We are pleased to let you know the merchant has refunded your account for {$610.00} on or around XX/XX/2018. 

Your dispute is now closed. 

If we temporarily credited your account while we investigated your dispute, well remove our temporary credit by re-charging your account. The merchants credit will remain on your account. 

A dispute final close letter will be sent through the US postal service. '' However, Wells Fargo never recharged for this provisional credit til XX/XX/18. 

XX/XX/18 - The remaining 2 disputed charges were refunded by the merchant ( {$610.00} x 2 ) XX/XX/18 - Received Email / Letter notifying me that the remaining 2 credits are now permaneant. ( Even though the merchant provided refunds for these provisionals on XX/XX/18. ) XX/XX/18 - Wells Fargo re-charged {$610.00}, 3 times.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-05-18
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. (TX)

My credit card information was stolen on XX/XX/2019. The unauthorized amount of {$230.00} was charged to my MasterCard DoubleCash card on XX/XX/2019. 
Due to the racketeering acts of 'XXXX XXXX XXXX XXXX ' merchant, they refused to show me a proof of receipt with my signature. I did not sign my signature on a receipt for them to charge my card. I filed a complaint with the FTC ref # XXXX on XX/XX/2019. The merchant did not show up to a court hearing. 
I called Citibank and spoke to XXXX XXXX on XX/XX/XXXX and she told me that I was not liable for the {$230.00} charge. After all the information was sent by me, XXXX XXXX called me at XXXX XXXX on Friday, XX/XX/XXXX. She hung up on me after I requested a proof of receipt with my signature. Hanging up on a consumer is unacceptable! I need to receive a credit for the XXXX disputed amount.
Consumer complaint received 2019-05-18
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services,  LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with Equifax report and I note that there is negative information being reported by XXXX XXXX XXXX  XXXX XXXX, OH-XXXX ( XXXX ) XXXX I see an entry listing payment late or missed. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX  or any other means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-18
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. (OH)

I have never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX   that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Consumer complaint received 2019-05-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CASHCALL, INC. (CA)

I received a signature loan from CashCall Inc. in the amount of {$2600.00} in XXXX of XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with CashCall Inc. I decided to seek legal assistance I never heard from CashCall Inc. again, in XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to XXXX California XXXX XXXX XXXX for the amount of {$4300.00}, when researching the payment I found out it was for the CashCall Inc. account, when I contacted XXXX California XXXX XXXX XXXX ( here-forth known as XXXX XXXX ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XXXX of {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I made two payments on my Walmart and one of the payments were returned in error from my bank. By returning the payment Walmart Synchrony Bank closed my store credit card account. I called my bank and received a letter from them stating the return was in the banks error and not mine. which I have attached to this complaint. Synchrony Bank Being so big it is extremely difficult to navigate through the representatives in order to to get this resoled correctly. I always seem to get the wrong information or the representatives doesn't seem to know what I am speaking about. So I have to make a complaint. I just want my account reopened and I will make the {$280.00} payment in cash to bring the account current.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

After a period of rapidly demising remuneration due to technological obsolesence I lost my last job in XXXX XXXX   just over two years ago. At aged XXXX it is not easy finding another one. Nevertheless in the last quarter of XX/XX/2018 both my wife and became employed. That income along with a pension, social security and additional fees for professional services rendered should by all expert accounts justify a mortgage modification. The servicer - Select Portfolio Servicing Inc is proceeding with a forced sale despite the fact that they are still considering a restructuring as they repeatedly ask me for data that I have already submitted. I do comply promptly with their requests.

It is very challenging to establish enhanced lines of communication with them given no real relationship manager and written correspondence that completely contradicts that which I have been told on the phone. 
I think it perfectly reasonable for both parties to delay the enforced liquidation until a more thorough examination is made of the additional financial resources being introduced in an attempt to work collaboratively with the servicer.