davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

I filed a dispute for a XXXX account that was discharged through Bankruptcy. Bankruptcy was filed in XXXX XXXX and Discharged on XX/XX/XXXX. I did this with all XXXX Credit Bureaus. The only XXXX I am having a problem with is Experian. After they incorrectly updated the account to show a late payment in XXXX of XXXX and changed the Bankruptcy Date on just that account also to XXXX XXXX. So I called and was very polite, but the person would not even try to listen, only file another dispute. This is Experians fault, not XXXX. It is correct on XXXX and removed from XXXX. So I copied the report, circled the false information that is negatively affecting my Credit Score, the False late Payment showing as XXXX XXXX for a account that has been closed since XXXX and included in Bankruptcy in XXXX and discharged again on XXXX/XXXX/XXXX, but they have listed as included in Bankruptcy XXXX XXXX. On the full report it shows my actual Bankruptcy date of XXXX. I asked them to please correct the incorrect information they entered and to PLEASE NOT ADD ANOTHER LATE PAYMENT FROM A DISPUTE and to of course fix the incorrect Bankruptcy date listed only on that account, and to send me proof of the non existent late payment. They just sent me my new, " updated report '', no proof, now showing a late Payment for XXXX of XXXX and they also changed the Bankruptcy to XXXX of XXXX. So basically the issue is they put now XXXX incorrect late payments and XXXX incorrect Bankruptcy dates from a Dispute. I am sorry for saying the same thing over but I want to be sure you understand. They apparently did n't. I had a account with XXXX that was closed in XXXX of XXXX, and included in Bankruptcy filed in XXXX. When I disputed the charge, which again i did with all XXXX Credit Agencies, they were the only ones who listed it incorrectly so I know it is not XXXX doing. It was a mistake that they refuse now to fix. I have worked hard since my Bankruptcy and have no late payments and a Credit Score of XXXX and it was rising. Now they listed a false late payment for XXXX of XXXX and XXXX of XXXX. They changed the Bankruptcy Date first to XXXX of XXXX to now XXXX of XXXX from the true date of XXXX of XXXX. I truly hope to get the XXXX False Late Payments that they refused to send me proof of as there is no late payment anywhere, and correct the Bankruptcy Date. My Credit Score, with Perfect Credit since my Bankruptcy was climbing monthly until they did this and now there false info is hurting my Credit Score and my ability to obtain Credit on my true Credit Standing. I am attaching documents. One I have to do from computer and sorry it is sloppy. The false late payment shown. I again have XXXX late payments and they refused to send me proof that I do. They put a late payment over a dispute. Account closed in XXXX, discharged again in XXXX, they show XXXX with late payment. Sorry. thank you.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: OPORTUN FINANCIAL CORPORATION (CA)

I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, 2016, XXXX sent XXXX, XXXX, and Equifax via XXXX request to delete their trade line from my credit report. The AUD Response number is XXXX. Both XXXX And XXXX have deleted XXXX XXXX from the respective credit reports. However, Equifax has not. XXXX XXXX official has repeatedly stated that it was sent to all XXXX at the same time. It is my belief that an error has been made in the Equifax. The customer service individuals refuse to take the AUD Response number and perform a search. I have XXXX other complaints with CFPB.XXXX and XXXX. Equifax customer service will not look up the AUD # and I can not speak to the Business Department and XXXX XXXX will not call the business department. Thus, even though XXXX XXXX has properly notified Equifax , the deletion will not take place. There is a serious problem with Equifax. They are refusing to take this off. They have received the notification for deletion and is refusing to research for it. The customer service person XXXX is refusing to transfer my call to the Business Office and she will not email the Business Department. Thus this deletion is not taking place.
Consumer complaint received 2016-11-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Financial has locked me out of the account for almost 11 months. I try to access to pay the bill and the system will not recgonize my Correct information. Unable to access to pay the bill they have slapped me with horrendous finance charges. Ive call many times to no avail, files a dispute stating I can not access to pay with no result. Contacted their collection service and tried to explain with no result. No one seems to get the fact that I wanted to pay, I was several months ahead of the no intrest schedule when this happened. I have both audio and video recordings that prove their system is locking me out. No one will acknowledge this fact. I have hired an attorney to try to help me resolve at XXXX per hour.
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. 
Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. 
I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. 

After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. 
Mortgage companies need to me held accountable and should not be allowed to operate like this.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

My Credit Card was cancelled without consent or reason. XX/XX/XXXX I was notified by Amex that there was a transaction that did not go thru and there is a possibility that my card was compromised. I called them and had my card replaced. By the time I received the new card it was XX/XX/XXXX. I called and went thru a series of security questions until i was able to activate my card once again. I used my card repeatedly over the next several months, paying on time and most of the time paying XXXX times a month because my spending was greater than my limit, ( i never went over my limit ). In XX/XX/XXXX I saw a notification on my app on my phone, that my card was cancelled. I called and I was transferred to the fraud dept. where I was spoken in an unprofessional manner. The girl was almost lecturing me as how I never called back three months ago. I asked her to please calm down and transfer me to a supervisor or a manger which never happened. They told me that in XX/XX/XXXX I never called to go thru the security questions ( which i did and was able to use my card 3 months ) and there was nothing they could do. The card was cancelled indefinitely, I would need to re-apply if I wanted the card. This does not make any sense because from XX/XX/XXXX to XX/XX/XXXX I charged and paid over {$3000.00} dollars. If there was a security issue why was I using my card for 3 months? I think this is unfair. I have never paid late and not only did I pay on-time, I paid off the card most of the time. I was charged a yearly fee for a card I was unable to use for a year and I requested 3 times to speak to a manager. They told me the manager is busy and I would get a call back. Needless to say, the manager never called back and as of right now my account is closed and it was reported on my credit report which reflects as something negative. My card was connected to my XXXX frequent flyer program which offered me free bag check at check in. I travel a lot and feel this was totally unfair. Im really upset and feel that my account was closed for other issues like I pay on time or pay my card off. Im really not sure. But what I am sure is that the reason they gave me is TOTALLY BOGUS!!!!
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NY)

Several months ago I started receiving debt collection letters from Transworld Systems Inc . The first letter had my name spelled incorrectly and my address incomplete. I called the company to dispute the debt ( allegedly from " XXXX XXXX, '' a company I have never done business with ) and they said they would get me more information about when and where this alleged purchase was made. I never heard back from them with additional info, but did receive a phone call a month later asking me to pay the debt. I told the representative that I did not owe this debt and ended the call. 

In the past several days I have received two more collection letters from Transworld ; XXXX has a creditor of " XXXX XXXX , XXXX '' and the other has " XXXX XXXX XXXX , XXXX '' My name and address are now correct ( likely because I told them the correct spelling and address when I called about the first fake debt several months ago ). After the second letter arrived, I called Transworld again to dispute the debt, and again was promised more information that never materialized. Today I received the 3rd letter and am not even going to bother calling this dishonest, unlawful company this time. 

I am being harassed by this company with these repeated letters attempting to collect debt I do not owe. The amounts are fairly low ( the most recent letters were for {$50.00} and {$29.00} ) but the fact is that I never did business with these companies and do not owe them any money. I would like these fraudulent attempts to scam money from me to stop.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

In XX/XX/XXXX my loan was closed. The loan was closed for less than the full amount ( bank approved short sale ). Several months ago I applied for a construction loan to build a new home. The bank I was working with ran my credit and discovered incorrect information that was reported by the mortgage company of the closed account. The company reported the loan as a foreclosure or repossession in the max delinquency area of the credit report ( reported incorrectly to all XXXX credit agencies ). As a result of this mistake the bank I was working with would not further process my construction loan. On XXXX/XXXX/XXXX I faxed the mortgage company ( Ditech ) a letter stating the above information, and requested that they fix the information. A few days later I received a letter from them saying that they received my fax and that I would hear a response from them within thirty days. I never received a written response as to a resolution. On XXXX/XXXX/XXXX, I called Ditech and spoke to a representative and they told me they had until XXXX/XXXX/XXXX to correct the issue. On XXXX/XXXX/XXXX, I called Ditech again and spoke to XXXX different representatives. One said I should expect to wait another month for a resolution, and the other said I should have something back within three to four days. I never heard anything from Ditech. On XXXX/XXXX/XXXX, I received an almost identical letter saying they were still investigating the matter. On XXXX/XXXX/XXXX, I called Ditech again and asked to speak with a supervisor. I spoke with XXXX ( ext. XXXX ) she said she would reach out to the department who handles this type of matter and call me back. I have never heard anything back from Ditech. My bank has since provided me with an exception and approved my construction loan, but said I needed to fix my credit report before I would be able to refinance my construction loan into a conventional loan at the conclusion of construction. Ditech has been absolutely unreasonable in fixing this issue. They are in violation of the fair correct reporting act which specifically says they have thirty days to correct their mistake. They have not. Please assist me in fixing the incorrect information on my credit report that was incorrectly reported by Ditech.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: LAW OFFICE OF JOHN E. LINDNER P.A. (MD)

I, XXXX, received a letter from Law Office of John E. Lindner, P.A On XX/XX/XXXX 2016 dated XX/XX/XXXX, 2016 on behalf of XXXX. The letter stated that I owed {$680.00}. It also stated that I had 30 days to dispute the debt in writing. I sent a certified letter on XX/XX/XXXX, 2016 and was signed for on XX/XX/XXXX, 2016. I have not received a response from XXXX office in writing as of today. I received a call from a XXXX at ext XXXX in XXXX office on XX/XX/XXXX, 2016 stating that they had not mailed a response to my letter as of yet. She was just given my letter and told to call me to see if we could go over my payments that I had made and that they had filed suit on XX/XX/XXXX, 2016 as well as add {$34.00} to my account for the suit. She said she was going to talk to someone about the suit in her office. She sounded surprised they had filed suit. She also stated she was going to mail me out a statement of my account. I received a letter from them on Friday XX/XX/XXXX, 2016. Imagine my surprise when I opened it up and it stated the since they did not receive a response to their letter they were moving forward with the suit as soon as they received the court fees from their client. I was not disputing that I owe the hospital money. I have been making monthly payments of {$25.00} since I received the bill. I am disputing the amount this lawyers office says I owe. They applied a payment I made on this account to my account ( which is now paid ) I told them 3 times to apply it to the right account. Yes I indicated this account number on my check. Another violation of Fair Debt Collection Act. They received my letter not only did I get a call from his office saying so I also have the receipt from the certified letter. They have violated the Fair Debt Collection Act at least 3 times in this whole process. I also have all my cancelled checks. Your help with this matter would be greatly appreciated. It is hard enough on families with the cost of insurance and these ridiculous deductibles. I am at least making payments. I also contacted the XXXX in Maryland. They said this Law Firm is n't licensed in Maryland.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (MD)

In XXXX of this year I applied for a student loan consolidation with Wells Fargo to get a lower interest rate. My current loans were already with this bank, I had a good credit score and a cosigner so I figured it would n't be a difficult process. I was wrong. They offered an extremely high interest rate and could not give me an explanation as to why. After filing a complaint with the CFPB, they finally agreed to give me a 1 % discount on the consolidation. However, months later I realized that this is still not affordable for me. These past few months I have depleted my savings trying to pay these student loans and my other federal student loans. I asked for a temporary forbearance and was told the consolidation loan had to be at least 9 months old before I could be granted a forbearance. I then asked what my options were, because I am trying to avoid defaulting on my loans. The customer service rep encouraged me to apply for a loan modification instead, and if my loans were deemed un-affordable they would lower my monthly payment. I was told that upon reviewing my credit that my loans were actually affordable. This is not my reality and now I am forced to pay less than the minimum amount required because I can not afford to continue the payments I had been making. I do not want to default on these loans, but my servicer is not providing me with any other options at this time.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written letter after letter to Transunion  Credit Reporting Agency las t letter was sent  XXXX   XXXX  and I have n't received any paperwork that this debit belongs to me. I ask them to remove it off my credit report and they keep send letters verified but, not any paperwork of proof of who they spoke too, what the actual dollar amount or did they get this from a third party parroting agency? I also ask to check and change address because that may be an issue because my name is very common not sure if they did that but, I did put in a request for the correct address.
Consumer complaint received 2016-12-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Hello XXXX XXXX XXXX, I had previouslyu written you a letter and sent it to you on XXXX XXXX, 2016 regarding my deceased mother in laws ' estate and her relationship with Citizens Bank in XXXX Rhode Island. My husband XXXX is XXXX XXXX 's stepson ( deceased in XXXX 2016 ). 




My husband XXXX XXXX was named Temporary Custodian for the Estate of XXXX and the Probate Court in XXXX Rhode Island where this case is still open. 




When my husband requested information regarding the accounts of XXXX XXXX in XXXX 2016 he was told that XXXX did not have a safe deposit box at the bank. He asked the bank manager named XXXX on several occasions and the answer was always " No ''. 




On XXXX XXXX, 2016 we received a bill in the mail for the safe deposit box account for XXXX. This was the account that Citizens Bank told us never existed. 




Furthermore, on XXXX XXXX, 2016, XXXX and I visited Citizens Bank XXXX branch. We spoke to another manager named XXXX who told us he had to check with the legal department before granting us the contents of the safe deposit box. 




On XXXX XXXX, when speaking again with XXXX, a manager at Citizens, we were told that the contents of the safe deposit box were taken by a person named XXXX XXXX. XXXX XXXX we have learned through much research, has hijacked all of XXXX 's Citizens bank and brokerage accounts which were very substantial. This also includes many annunity transactions all done through Citizens Bank. 




XXXX XXXX was illegally granted the contents of the safe deposit box. Citizens Bank told her to return the contents to the bank and then my husband and I were allowed to pick up whatever she " decided '' to return. 




The fact that someone with no legal documents was allowed to gain access to the safe deposit box is appalling. The fact is your bank lied to us and kept the information regarding the safe deposit box part of a cover up. 




It is with great regret that I must inform again of this error that Citizens Bank has done. The returned safe deposit box contents had several missing documents, CD '' s and the Will with our names on it, missing. Not to mention the jewelry and irreplaceable documents we will never find. 




I find your bank to be irresponsible and determined to cover this matter up. I would like to hear back from you as soon as possible to settle these shameful acts on the part of Citizens Bank. I am going to pursue this matter until I make Citizens Bank pay for what they have done.
Consumer complaint received 2017-05-16
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. (MI)

Incorrect Status being reported on by   XXXX   CRA.     Entry by   XXXX   XXXX   XXXX   XXXX  : Owed {$340.00}  XXXX   XXXX   XXXX .   XXXX   XXXX    XXXX , NH  XXXX  Credit reporting agency is documenting a claim by   XXXX   XXXX   XXXX   XXXX  on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Cred it Card (   XXXX   XXXX ,  XXXX  ), dispute d (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill  (  XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter   XXXX   CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by   XXXX    XXXX   XXXX , I possess and presented  XXXX  proof of payment.     Submitted credit card statement showing rebill for {$340.00}.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to  XXXX  at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith