davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

I contacted Ditech on XX/XX/XXXX to verify that payment for XX/XX/XXXX and XX/XX/XXXX due to the fact that Ditech had reported negatively on my credit. After checking with XXXX XXXX and confirming payments for my mortgage had been sent to Ditech for XX/XX/XXXXand XX/XX/XXXX, I realized they were getting the payments and not recording them. Then they reported on me negatively to the credit bureau. I have since learned this is not the first time Ditech has done this and in at least one case it resulted in a house being put for sale even though XXXX had been making payments. Please help me to resolve this problem with Ditech. 

XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , S.C. XXXX
Consumer complaint received 2018-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
Consumer complaint received 2018-02-06
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. (PA)

I have derogatory information on my three credit bureaus from TransUnion, XXXX and XXXX that are not correct Ive tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didnt authorize could someone please help me out with these problems Im having thank you.
Consumer complaint received 2018-02-06
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. (NY)

XXXX XXXX XXXX provided me no statements/bill in the mail. I had to make a payment over the phone witch they charged me a " express payment fee '' Then a month later I get a postcard that my account is past due I call them do find out the payment was not processed and they tell me I provided them in an incorrect account number. I asked them to confirm the account number they have one file that I provided them and they told me they are unable to do so. I pay a series of other bills from my XXXX XXXX account without issue. 

They are reporting a late payment on my credit report. This is lowering my credit ratting. My entire reason for getting a card from XXXX XXXX XXXX was to build my credit. I feel it was XXXX XXXX XXXX error in processing the payment not mine that has cased the payment to process late. They also should have noticed me sooner if there was an issue with payment
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

The billing due date is the XXXX XXXX of every month. I opened this credit card XX/XX/2017. Timely payment is made each month via my auto bill pay service the 2nd business day of each month. The minimum payment due is {$78.00} per month and the payment submitted is {$500.00}. This company has charged me a late fee of {$38.00} per month even though payments are consistently received the first week of every month. This billing cycle system is a scam to charge customers invalid late fees. 
Upon several emails via their secure on-line messaging service on the website, I was able to recover 1 late fee, with an offer to adjust my billing due date to the XXXX of each month. Which, I accepted and was then charged yet another late fee. 
This company is profiting off of unsuspecting customers by fraudulent billing practices.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than XXXX  days before the payment due date.
Consumer complaint received 2018-02-06
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 — Their investigation did not fix an error on your report
Company: Sarma (TX)

I submitted a dispute to the following credit Agency : XXXX They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXXwas their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX  for a medical debt reporting inXX/XX/XXXX.

I called the Sarma Agency before submitted the original request through XXXX  and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with XXXX  and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report does not show item or address.

My XXXX  report does not show item or address
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.
Consumer complaint received 2018-02-05
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: Experian Information Solutions Inc. (CA)

About three weeks ago i spoke with a rep at experian about my identity theft case and he reviewed my information and told me that the items would be deleted from my credit file within a few days. I then receive a letter from experian showing the items were deleted on XX/XX/XXXX but got a new letter dated XX/XX/XXXX that the accounts were reinserted. I called experian on XX/XX/XXXX and spoke to a supervisor who stated that they contacted the XXXX police department and they could not validate that the police report was valid which is a lie because i called the XXXX police department right after i got of the phone with experian and asked if someone were to call and verify if the report is valid will they give them that information and was told yes they will. But no one had called them because the lady at the XXXX police department said the report was valid once i gave her the report number. DEPT OF VETERANS AFFAIRS acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I applied for autopay as soon as was possible for my XXXX, which wasn't until after the first bill was available ( there were no autopay options before then ). That was three weeks ago and I just received a late payment fine for not paying my bill. Basically, even though I'd set up auto pay, and expected that to pay my bill, XXXX tried to charge me {$25.00}. I was told on the phone it take 2 months for autopay to go through, which seems ridiculous. My credit card also won't work for several days until the payment I just made goes through. 

This seems like they're trying to scam people.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MN)

Reference Case ID XXXX Ive contacted Navient regarding my student loan. And the extreme interest being paid Ian on an interest only payment plan which should have ended sometime ago. I paid on time, every 2 weeks and paid more than the requested amount however my yearly interest paid continues to go up and the loan balance hardly budged. Im concerned Ian being scammed somehow as they can not is cola in this. XXXX was the end of the interest only however it was the most I had paid towards interest almost XXXX more. I have asked for a very detailed statement for the past several years, asking to explain the payment breakdowns, balances, interest etc. I believe they are not being honest with this loan and request it be resolved. I have paid XXXX in interest alone since XXXX ... and my loan balance hasnt moved but slightly ... something isnt right. 
Please help
Consumer complaint received 2018-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! 


Thanks XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Adler Wallach & Associates, Inc. (CA)

This company has made repeated attempts to collect a debt I do not know. And the fair debt collection that they are required to disclose their burden of proof in regards to the debt and I have after several request received nothing. XXXX XXXX calls me nearly 3 times a day and has for sometime now making threats of lawsuits etc. and I dont even know what I owe it for. 

Please provide all original paperwork for XXXX account and all necessary disclosure items proving that I owe the debt. The fact that XXXX buys credit debt for pennys on the dollar does not constitute proof enough to falsely ruin my credit.
Consumer complaint received 2018-02-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (DE)

On XX/XX/XXXX i was called at my place of employment by XXXX XXXX XXXX which is a debt collector for navient a student loans. it was at that time I was 1st informed and notified that they were attempting to collect on at the defaulted student loan that I had with navient and I needed to enter into a rehabilitation program. I entered into a rehabilitation program on the phone that day only to now learn that XXXX XXXX XXXX had my wages garnished as of XX/XX/XXXX. I was not properly notified that my wages will be garnished neither by navient and not by XXXX XXXX XXXX and not by my employer and not given an opportunity to dispute it for proper resolution. my rights have been violated. I have tried to talk to XXXX XXXX XXXX about this issue they explain to me that there is nothing that they can do about the issue. I explain to them I have already entered into the rehabilitation program. I have also already made a payment in the rehabilitation program but they stated that there is nothing that they could do for the next 5 months. I explain to XXXX XXXX XXXX says that the wage garnishment is causing me a hardship and I can not afford for wage garnishment and to pay my bills and this would be severely financial repercussions in order for me to make sure I repay the debt. I did not receive any prior notice from navient. I did not receive prior notice from XXXX XXXX XXXX that they were going to garnish. I would prefer not to involve my employer.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, TransUnion and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, XXXX and TransUnion to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, XXXX and TransUnion Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX Memeber # XXXX and TransUnion 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a total of 2 accounts with XXXX XXXX XXXX and these accounts were closed on XX/XX/XXXX. XXXX XXXX continues to report payments as being late on my credit report on an account that has been charged off. XXXX XXXX reported in XX/XX/XXXX and XX/XX/XXXX. I don't see how that is fair or lawful when it continues to lower my credit score.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have been a customer of Chase bank for a while. I used to have many credit cards from them including chase freedom, because the good experience with them, I even closed my XXXX XXXX XXXX debit card and opened chase debit card savings and checking account. 

I am working as a XXXX XXXX XXXX at XXXX XXXX XXXX, where I am serving the biggest client XXXX XXXX. XXXX XXXX has many travel partners, so in XX/XX/XXXX, I used my chase freedom account to buy XXXX usd XXXX gift cards for XXXX XXXX travel partners becasue the company credit card was not working. This is guided and approved by my president. But in XX/XX/XXXX, I  suddenly found out that Chase closed my chase freedom account without checking with me. Generally other banks will call me, and check with me on the purchase, Chase didn't check with me and closed my account directly. 

When I called them, they said becasue my purhcase is big, which is XXXX USD out of the XXXX USD credit line they issued me. Chase also said I have no credit history, if i don't have credit history, why chase would approve the credit for me before?? Although my company didn't reimburse me all the money in time, I was still paying the chase freedom way more than the minimum amount they required. I don't understand why they close my account and gave me the reasons that doesno't make sense. 

I talked to the other two chase staff about this issuse, they either said they can not talk about it. Or they tell me, i can reapply the credit card but they can not reopen for me. Becasue I just compared the XXXX plaitinum card with Chase sapphire reserve, so I feel chase sapphire reserve is a better option for my travel plans. So I applied for that card again. Which I used to have one, but my husband closed it. Chase declined my application, and said the reason is becasue I had the unsatisfactory performance with them, which means I can not apply for any of their other credit cards, and what they told me i can reapply is the lie. I totally not accept the treatment I gained, i know I am a XXXX and I have language barries, but I feel i receive the great unfair treatment from Chase. All the customer services i spoke with are rude, and they don't tell me the reasonable explanations of why they closed my acocunt without chekcing with me.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (VA)

I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (SC)

Collection Agency : Carter-Young, INCXXXX. 
The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.
Consumer complaint received 2018-02-05
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (RI)

I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX  is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you.