davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, XXXX FL XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2015-07-26
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Comerica (MI)

It all started on XXXX XXXX, 2015, I have my payroll check deposit on my prepaid card, i check my balance on my card and it was well over {$300.00} dollars so I went into XXXX and pick up some lunch and to my surprise I could not use my card. I tried XXXX and it would not go through so I went outside to call and see what the problem was and they could not find anything wrong. It took two days for them to tell me that Comerica had my account block because I owe the over {$600.00} dollars, I ask them to cancel my card because I have not been to Comerica in over thirty years, They would not cancel the card so I cancelled my direct deposit for my check and the card is still open and they will not give me my balance that remains and all of the bills I use to pay this card with I had to change them but they are telling the bill people the card is over charged but I ca n't even use this card anymore.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LendUp Loans LLC (CA)

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by FLURISH INC. , XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I went online to equifax and received a free online report. In less than XXXX hours it was no longer available- I received an error message with a number to call but when I called the number there was no way to relay the message or get my report back. There are no automated options and no possibility of speaking to a representative.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

It has come to my attention that a deposit issue with another financial institution has caused an unfortunate chain of events resulting in a mortgage payment due to Chase becoming past due. Chase has since reported my mortgage loan as being once 30-59 days late and then also secondly as being & gt ; 60 days late. In contacting Chase, I was transferred around to several agents before finally being told that my only option was " to just move forward. '' This is neither a resolution nor an acceptable form of customer service. First, the time between my due date and the date that I recognized and rectified this issue by satisfying my current amount due was not greater than 60 days. I have never been greater than 60 days past due on my loan with Chase, and I am fully requesting that this credit mark be reviewed and removed promptly as inaccurate. Secondly, as a customer of Chase, I do not feel like they have any interest in assisting me in this matter regarding my mortgage payment falling past due. They were not interested in hearing any details from me in regard to my transactional issue with the other institution that subsequently caused this late payment. They did not wish to take into account my mortgage payment history with their institution and instead chose to ignore that I have never been late on any payment in my entire credit history, with Chase or any other institution. I also question Chase 's interest in even informing me as their customer that my payment had been missed. I was never notified by Chase by phone, in writing, or even by a simple automated notice that my payment was delinquent, until I received a formal notice about my options regarding avoiding foreclosure of my home. I am requesting the following pieces of information from Chase : 1 ) I would like for Chase to formally explain to me their general policies and procedures for contacting mortgage customers when their payments are past due. 2 ) Within the policies and procedures of Chase, I would like to know when Chase begins to make initial contact attempts with their customers that are past due on mortgage loans. 3 ) I would like for Chase to formally explain to me why my account was excluded from any early-stage delinquency contact attempts. 4 ) If it is within the policies and procedures of Chase to contact other mortgage account holders by any means at a date earlier than I was notified about my particular account, I would like for Chase to formally explain why my account has received disparate treatment. Lastly, I understand that the original issue that caused my payment delinquency is not the responsibility of Chase, but I would wish for Chase to review my description of what caused the late payment, review my previously good standing credit history with Chase, and please reconsider their stance on removing the 30-59 day late credit mark as well due to this customer service issue.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

XXXX years ago I began to suffer financially due to a downturn in XXXX. I contacted my mortgage servicer, SPS, and requested that they modify my mortgage so I could keep up with the payments. They made me fill out paperwork and told me they would review for loss mitigation options. They came back stating that all I qualified for was a repayment plan because that is all the owner of my mortgage would allow. The owner of my mortgage has since gone out of business and the rules to loss mitigation have now been moved into the master servicing agreement held by XXXX XXXX. Their master servicing agreement allows for modifications. I have been calling SPS frequently and each time I call I get a different answer as to whether I can get a modification or not. Each loss mitigation representative i speak to says i qualify then they come back and say I do n't. Some dont know they answer and some are completely unable to speak about what the servicing agreement allows. My interest rate is 6.99 % and they could have helped me when this all started. Now my loan is close to foreclosure and I Need a modification to stay in my home. I have asked my son to come live with me in order to help with the bills and he has agreed so I can afford a modified payment but SPS refuses to help. All I am asking is that they adhere to the terms allowable in the master servicing agreement and modify my loan to an affordable monthly payment.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with XXXX to all 3 agencies, namely Equifax but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless. There are also tow liens as Public Records from GA State showing as Satisfied however they are never satisfied bit in fact dismissed by XXXX Court in XXXX County, I have written to Experian numerous times but they fail to delete them even when I sent them dismissal from XXXX County.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

I had an account with XXXX XXXX Bank in 2006 and they changed the company to XXXX XXXX XXXX. I paid the account several years ago and I recently received a settled in full letter from them the only issue I have is that its still reporting on my credit report only under Experian, it is not reporting under XXXX or XXXX. I would like it to be off of Experian as well so I called the original company however they said that the account is no longer with them so I called XXXX XXXX they sent me settled in full letter however I asked if the account can be taken off of Experian because it is off on XXXX and XXXX however both creditors send me back to the other and XXXX said they do n't know if anything can be done however I feel if its off the other credit unions why is n't if off of Experian, its an old settled in full account if they cant delete like the others then a minimal explanation like paid in full would be more helpful then negative comments. I hope your office can help me.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact. 
Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen. 
Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share. 
Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (NC)

My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (NY)

I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.
Consumer complaint received 2015-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WA)

They called my wife 's phone number about 6 times already. From XXXX 2015 till now but I do n't know what they want. But I do n't know the number either. They do n't leave any messages or anythingelse. It is in the morning around XXXX or so. Then they will call tomorrow then again then again. Harrassing her is really beginning to be a problem. We have n't gotten anything in the mail or they did not leave any messages. Except a robo call also keep calling also. I did check my credit report and hers I did not find anything from these people.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}
Consumer complaint received 2015-07-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX from Wells Fargo has rejected my numerous attempts, responses, applications, and documents to grant a loan modification on XXXX my properties. I have satsifed all requests. Also, she and Wells have foreclosed on my properties even though I have requested attempts for payment plans as well which I have attempted to make and been rejected. Furthermore, I have complained that this is an attempt to comit mortgage fraud from Wells which they have dismissed.
Consumer complaint received 2015-08-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation (TX)

I purchased a prepaid skincare package through a company called XXXX XXXX XXXX. The package was financed through Fortiva. In XXXX of 2014, XXXX XXXX XXXX abruptly closed its doors leaving customers such as myself with outstanding bills for treatments that were never received. I had made payments on my Fortiva account until the provider closed. I stopped making payments because I did n't feel I was responsible for paying for services that I did not and would not receive. Fortiva has reported late payments on my credit reports is now threatening a charge off collection.
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (OR)

I have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.