davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Re : Dispute of Late Payment on Credit Report - Reference : XXXX  XXXX XXXXXXXX XXXX  Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by XXXX, was allegedly associated with my account with XXXX XXXX XXXX XXXX, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to Bank XXXX XXXX Mortgage, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( XXXX ). On XX/XX/2023, I proactively contacted Bank XXXX XXXX Mortgage to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX XXXXs payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached XXXX XXXX XXXX XXXX  's mailbox no later than XXXX, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from XXXX XXXX XXXX XXXX regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on my credit report.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Dear XXXX, I am writing to file a complaint regarding Chase Bank 's deliberate inaction and the prolonged XXXX phone application process to address a dispute. 

Today, I contacted Chase Bank by phone to initiate a dispute. This dispute arose because, after receiving an item, I found that it did not justify its price. Consequently, I requested the seller to provide a free return label for a refund, as per their " Free Return '' policy for after-sales service. However, the seller and XXXX failed to honor this policy and only provided an address, requiring me to cover the return shipping costs. As a result, I sought my bank 's assistance to take action against this dishonest seller and XXXX. 

Reference Number : XXXX ( optional ) : XXXX I spent over XXXX minutes on the phone, and the application process was not completed. It appeared that the bank intentionally prolonged the process, and in the end, they even pretended to disconnect the call without offering a callback. 

I find this unprofessional behavior on the part of Chase Bank to be a dereliction of duty. 

I sincerely hope that this matter will be taken seriously. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This would be my 5th follow up letter, demanding XXXX and TransUnion to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (TN)

First of all a female from this collection agency called my working pretending to be a friend. When I was at this place of employment we are not allowed personal phone calls. The operator sent the call through. At that time the female stated the name of the collection agency and stated I owed money from an ambulance bill in XXXX She then hung up. I recall being unemployed and did not have health insurance I was on Government Assistance in XXXX. I dont remember using an ambulance service in XXXX How does someone find a medical debt from XXXX? I am devastated by this. My credit report is very important to me. This collection agency has now lowered my credit report. This collection agency came out of nowhere and is trying to obtain over {$2000.00} from me! My credit report shows my XXXX score decreased XXXXXXXX XXXX due to this collection agency report.
Consumer complaint received 2020-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I refinanced my mortgage through a different mortgage company and closed in XX/XX/2020. I requested a payoff from Freedom Mortgage as part of the refinance process on Friday XXXX XXXX and it included 'Unpaid Late Charges ' of {$140.00} even though I have never been late on my mortgage. I called Freedom to get the payoff corrected however they told me that they automatically charge a late fee for the month of XXXX since the projected payoff date was XX/XX/XXXX, beyond XX/XX/XXXX. I told them that my refinance will fund on XX/XX/XXXX so they would receive the payoff wire by XX/XX/XXXX therefore the projected payoff date needed to be corrected to XX/XX/XXXX and the late fee removed on their payoff statement. They refused to change the payoff date or remove the late fee as the representative said they can not change the payoff date as it is system generated however once my loan funds on XX/XX/XXXX, they will refund the late fee of {$140.00} since I would not be late for XXXX. I was never refunded this erroneous late fee charge. I tried contacting Freedom again via their portal email chat but they refuse to respond to me. This might be something that the CFPB needs to look into since Freedom Mortgage is collecting erroneous late fees.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TX)

I have not received a response to my previous correspondence regarding the errors or decisions that have been made on the account. Since XX/XX/2023, there have been additional changes to the account. 

For reasons unknown to me, the following decisions and errors have been made on my account : 1. Failed to reinstate the account in accordance with the HAF program.

2. Returned Txhaf payments.

3. Blocked my ability to make regular monthly payments.

4. Placed my account into a loan modification without my consent or knowledge.

5. Informed me of their intentions to accelerate the mortgage.

I don't understand why these decisions have been made. As I stated in my correspondence to PHH dated XX/XX/2023, I can afford the monthly payments. 

Additionally, due to the fact I can no longer afford to protect/defend my home ownership rights within the deed of trust against errors and mistakes made on the account. My family and I have lost peace of mind and enjoyment in our property, knowing that despite my ability to pay, PHH has refused to reinstate the mortgage without explanation since XX/XX/2023.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

I have tried contacting this company multiple times. I've emailed and called. I have received no response. XXXX sent over the information for my payment plan, yet they haven't updated my account to reflect the correct monthly payments. 

Their customer service department is non-existent, and this is unacceptable for a loan servicer. Borrowers should easily be able to get in contact with the providers.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2023, requested false information be removed. They flat out said no they would not help me. There was a report stating I was 30 days late, when actuality I submitted a request for a deferment for a total of two months.
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mutual Management Services LLC (NY)

I was a resident of XXXX XXXX apartments in XXXX XXXX Florida. My son came down to stay with me temporarily while he established housing. Management asked for me to leave based on people reported living in household. I spoke with them stating he would only be there temporarily. Finally, they sent me noticed that they were cancelling my lease and I would have to leave. I complied leaving them with apartment in better condition than moving in and a security deposit of {$1300.00}. I spoke with collection agency on several occasions and they refused to hear any dispute and I was told collection would continue. In addition, they are increasing the amount of collection as time passes and it continues to show on my credit report after 4 years. I owe nothing. I should be showing a {$1300.00} credit. 
Thank you.
Consumer complaint received 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (NJ)

My mortgage was sold from XXXX XXXX and it now serviced by Service Loan Servicing company. They sent documentation for a loan modification and I tried to continue to my monthly payments through their site and it was disabled. I dialed the number to continue to make my payments over the phone and the representative told me that they couldn't take my mortgage payment until the loan modification was completed. I recorded the conversation. We submitted the loan modification documents but they reported us late with the credit bureaus when they were the ones whom didn't take my payments. This is corrupt service company, they are not even the owners of the loans, their 'customer ' service representatives are uneducated and located in XXXX  and XXXX and lack any financial education or any college or high school education.
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Empower Finance, Inc. (TN)

I closed and deleted my account with empower after paying debt off in full. I asked the company to remove my personal banking information. Which included two separate banks XXXX & XXXX with checking account and a credit card with the information. The company has refused too and bribing me to resubscribe to the services to remove my information. However once you resubscribe to the service youre not able to remove the banking information due to the subscription. Im no longer a customer with them however I have received multiple emails from representatives explaining they are legally able to retain my banking information. I have read the terms of service and policies. I did not find a statement that verify this information for close/ delete accounts. I asked the representative to provide me proof of the legal authority to do this. The only information provided was for existing accounts/ customers.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX a fraudulent charge was made on my Citibank credit card account by XXXXXXXX XXXX XXXX in the amount of {$4700.00}. 

Prior to the charge, I had never heard of XXXXXXXX XXXX XXXX and have not received any services made by them or had any communication with them at any time. I certainly did not make the purchase or authorize it. 

I reported the incident to Citibank in early XX/XX/XXXX ( they responded to me on XX/XX/XXXX. ) The money was refunded to my account. 

According to Citibank, the vendor told Citibank the charge was valid, using only an email address ( not mine ) as evidence that the charge was valid. Citibank did attempt to phone me in XXXX and I missed their phone call. They did not use any other means to contact me ( email, post, etc. ) The {$4700.00} was again charged to my Citibank credit card account, and automatically deducted from my non-Citibank debit account. 

I phoned in XXXX and XXXX in an attempt to recover the money. On both occasions, I was told that the vendor ( XXXXXXXX XXXX XXXX  ) had provided insufficient evidence and the claim would be reopened. On XX/XX/XXXX, a representative advised that the claim should not take more than 90 days to resolve. 

I phoned again on XX/XX/XXXX. I was advised that the claim was so old that the computer needed to reload the information and to phone again in at least three business days. 

I phoned on XX/XX/XXXX. The representative was apologetic and stated they would expedite this, but could not tell me how long it might take or when I should follow up. Citibank has not provided me with any written communication since XX/XX/XXXX, despite these numerous follow-up phone calls, all unresolved. 

It has now been nearly one year since the initial charge. The amount is quite a lot of money to me, since I am a teacher, and a new parent. I would appreciate any assistance with the matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I demand the collections be removed from my account immediately.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have voluntary turned this vehicle over maybe twenty years ( 2 ) ago and the Capital One is attempting to get more funds from me. My account XXXX XXXX I've received threatening phone calls, over and over, again. I am a XXXX citizen and the person calling won't even allow me to talk.
Consumer complaint received 2024-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (FL)

We have been trying to get this resolved for more XXXX  years and now they keep lying about the problem and they keep changing the subject each time we submit a complaint to the CFPB. They refuse to answer the questions and give us a conclusion that will compensate us for the pain and suffering. Now they are sending us letters talking about mediation to resolve the problem that they say dont exist. They sent us checks for errors that was done by Wells Fargo Bank. Im going to attach copies of the checks and copies of the documents that they want us to sign for mediation for what? Being senior citizens and black we feel that they are trying to take advantage of our ability. We dont see any end to this madness. Im a XXXX year old with a XXXX grade education. I purchased a home from Wells Fargo Bank in 2003. The home was in foreclosure XXXX XXXX XXXX XXXX Florida XXXX. The home is in a low income area. All black on the water the home is beautiful to me. Because the house is in a low income neighborhood the value has not increased. I have been working with Wells Fargo because I borrowed $ XXXX to fix the house up. But the next year I was told by Wells Fargo Bank that I needed to bring $ XXXX money which I didnt have. So I was forced to sell other properties to come up with the money. This was a big setback for us. Now I dont have XXXX  credit reporting anymore not sure how Wells Fargo got involved with my credit account.
Consumer complaint received 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES (NJ)

My original mortgage with XXXX XXXX XXXX  # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXXXXXX   I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXXXXXX XXXX where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

I have a XXXX Credit Card . It has the benefit of upgrading my Marriott elite status to Platinum after spending {$75000.00} in a year. I have reached the spending requirement, however, Marriott has not upgraded my elite status. 
Chase asked me to contact Marriott. However, Marriott also asked me to contact Chase.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (CA)

LCI Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) -Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Chapter XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year> Court : United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, United States XXXX XXXX Bankruptcy XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer.