davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (PA)

I made a payment of {$490.00} to cover my {$380.00} payment and {$110.00} in late charges. The next month when I paid on time it said I still owed a late charge. While on the phone going over my transaction history they explained that out of my {$490.00} payment, {$410.00} went to principal and interest, which is over my monthly payment amount and left the remaining go towards late fees which still left {$30.00} in late fees which was then accruing interest. I pointed out the payment was not allocated properly to which they denied and just waived my late charge. My concern is if my payments have been misapplied in relation to P & I and any fees throughout the entire repayment term.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (VA)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X , 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has failed to respond to our QWR and Notice of error request sent on  XXXX 2017 and are proceeding to sale set for   XXXX  /17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.
Consumer complaint received 2017-06-19
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. (NV)

In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  in quiry on my credit report which causes my credit score to drop drastically
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WY)

I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all  XXXX  of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  XXXX
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NY)

I have received repeated letters and calls fro m Debt Recovery Solutions , LLC,   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , NY  XXXX , about a debt of {$190.00} alledgegedly owed to  XXXX .   XXXX  I have never been a  XXXX  customer and do not owe this debt.   XXXX  I have repeatedly told  Debt Recovery th is, both in writing and by telephone and demanded they furnish written copies of contracts showing I owe this debt to  XXXX . They have never complied with this and have never shown that the debt is in fact owed by myself to  XXXX .   XXXX  I request that this harrassment stop and that they cease reporting that I owe this debt.
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

To Whom it May Concern, My name is  XXXX   XXXX , I have been pay Navient ( formerly  XXXX   XXXX  ) for several years and I was placed in forbearance on several occasions until I found out about an income sensitive repayment plan. However, with this plan, the payments I submit to  Navient  are not going towards the principle of my loan. I initially owed Navient $  XXXX , now I am up to $  XXXX  and I pay on my account monthly with no delinquencies. I would like to have a loan forgiveness with Navient however, I was never offered this type of service. In addition to lowering my payments with part of the money going towards the principle of my account, I want to be included in the  Class Action Law Suit  against them for unfair practices and not allowing and giving adequate options to repay my loans to where I have seen progress with them. If you have any questions, please do n't hesitate to email me or contact me :  XXXX  XXXX  XXXX ,  XXXX .   Sincerely,  XXXX   XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX has contacted my place of employment threatening to serve me with " legal documents ''. When I spoke to them the address they had on file from 2011 was incorrect. I asked them to remail a validation letter and was told no that they can text me. When I stated this was not good enough I needed written proof they said they will see me in court and hung up.
The file number that they provide is non existent, they can not locate any records. When I would not agree to pay without validation the man on the phone became defensive and started threatening me with lawyers.
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (FL)

I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XXXX ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.
Consumer complaint received 2017-06-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am an XXXX retired woman who still needs to work to make ends meet. I also receive {$600.00} in SSI. I was diagnosed with XXXX last year and was told I needed to take it easy and only work part time, however, I have not been able to do that. I requested Mortgage assistance w/ Neighborhood Housing of XXXX Florida and was denied, they, in turn, dealt with my mortgage company for over 6 months to get a loan modification to lower my interest rate to 2 % which from I understand am eligible. After months and months of back and forth, OCWEN finally approved and lowered my interest to 2 %, but with a clause indicating to also sign to a balloon which would devastate me and cause me more grieve and hardship. I declined to sign the portion of the balloon but signed and submitted the part of the trial payment for three months which is due in XXXX. I 've owned my home since the early XXXX, and have never been late on a payment. I have been receiving harassing calls in the name of OCWEN from XXXX, and the latest one is a voicemail from an OCWEN representative indicating that my account is seriously past due. OCWEN has been giving me misleading and inaccurate information regarding my mortgage and I am fed up of being taken advantage of. I have dealt with OCWEN in the past for a loan modification through an unscrupulous individual ( who took my money and disappeared ) and according to OCWEN, I did not qualify. Is it legal for OCWEN to grant a loan modification, but at the same time force me to sign a balloon clause that I do n't agree to, or may keep my home when I die? I only have {$60000.00} left on my mortgage and by signing that document, I would have to continue paying that balloon afterXX/XX/XXXXwhen the {$60000.00}. Ocwen has never offered my another solution other than the HARP, I just found out they could have offered another solution, as HARP does not apply to me because I have never missed a payment. Sure I have struggled, just like I am doing now, but a payment has never been late. I also received a communication from OCWEN indicating I no longer qualify for a loan modification because my papers were not submitted in time ( XXXX/XXXX/XXXX ) which is partially true, I only submitted the contract for the trial period signed XXXX XXXX and received by OCWEN XXXX XXXX, this receipt of documents was acknowledged by my " relationship manager '' XXXX XXXX, but he declined my request for the modification because I did not want to sign a document which will jeopardize my finances, my home, and my life. I have made attempts to contact XXXX XXXX to work out a solution, unfortunately, my calls are always outsourced to XXXX.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am a  XXXX   XXXX  Veteran who is on a FIXED INCOME. I have  XXXX  Capital One Credit Cards and recently receive a pre-approved balance transfer notice in the mail from my  Credit Union  (  XXXX   XXXX   XXXX   XXXX   ) I a ccepted the Balance Transfer with the Hopes of cutting down on the Credit Card Interest Capital One was charging me 29.99 % interest on the cards. My credit union sent CHECKS to Capital One in the amount of {$1300.00} for  XXXX  card and {$3600.00} on the other card over a week ago and Capital One has NOT posted it yet. PLEASE, PLEASE can some  one  HELP me.
Consumer complaint received 2017-06-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Siggi LLC (GA)

Complaint : I do not have a contract with Omni  XXXX   XXXX   XXXX . I am not liable for collected this debt owed of $  XXXX . I am not responsible for this debt.     Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract.   Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT
Consumer complaint received 2017-06-20
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. (AL)

SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XXXX TO XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND TRANSUNION STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2.  PRIME ACCEPTANCE 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (ID)

Thank you for your ear, In XX/XX/XXXX My family and I relocated from XXXX to XXXX, I contacted my cable provider and requested a final bill which was provided, I paid the bill immediately, ( copy attached ) A couple of months later a bill came for equipment XXXX XXXX claimed I had. I never received any equipment from XXXX as all I had provided to me was basic cable, I never accept leased equipment, and immediately after receiving the bill I sent a letter registered letting them know this was not a valid bill, in addition I requested proof I took possession of any equipment, ( copies attached ) This was XX/XX/XXXX. Not until yesterday XX/XX/XXXX did I hear back from them claiming I owe them for equipment, almost two years from my letter.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (DC)

On XX/XX/XXXX, I noticed two charges on my XXXX XXXX XXXX XXXX ( XXXX XXXX ) in California that I did not make : The charges included : -A charge on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX CA -A charge onXX/XX/XXXX : XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX CA I called ( XXXX ) on XX/XX/XXXX at XXXX to report fraudulent charges on the card. The person who responded cancelled the card and said a replacement would be sent. They also said an investigation would begin into the fraudulent charges. I explained that I did not travel to California and no one else had access to the card which I still had in my possession. I called ( XXXX ) again onXX/XX/XXXX to report an additional fraudulent charge on the card to inquire why the charges from the previous called had not yet been removed. The new fraudulent charge was : Date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual who answered the phone noted that they were investigating the charges on my card.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 accounts and credit inquiry are fraudulent : XXXX/XXXX XXXX, XX/XX/17, XXXX/XXXX XXXX, XX/XX/17,  XXXX/XXXX XXXX XXXX XXXX, XX/XX/17, Further, I want the following personal information added to my credit report : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Phone : XXXX Position : XXXX XXXX XXXX XXXX Annual Salary : {$150000.00}
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AZ)

This is an update to my complaint previously submitted. Seterus refuses to send me monthly mortgage statements. It is the law that the servicer must send me monthly mortgage statements. They refuse. Attached is a letter stating they are sending me payment coupons. Sorry, this is not in compliance with the law. I do not care what their policy is, send me the monthly statement! I have a right to know how my money is being applied to the loan and whether it is being done correctly. I have a right to see the impound account and what is being paid out on this loan, along with itemization on the loan balance I do not want a coupon book where the service company is not showing what is going on with this loan. Comply with the law!!! Send me the monthly statements, not a coupon book.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both XXXX and TransUnion. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On    XX/XX/XXXX  , I  got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by  XXXX   XXXX , I 'd get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the  XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the  XXXX  to get more fees. I also asked them why 'd they send the offer on  XXXX   XXXX , knowing I could n't take advantage of it since it takes many days to process.. After an hour, I was basically told tough   XXXX   XXXX   XXXX  . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they 'd still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n't clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n't anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America 's has damaged my home, charged me for services that they did not perform ( mowing grass, removing debris, etc ... ) and added the costs of these services to my mortgage balance. When I contacted Bank of America they told me that they use a third par ty contractor (   XXXX   XXXX   ) a nd that they would fix the problems and that the charges would be credited to me. Nothing was done. Instead, Bank of America 's law firm    XXXX   XXXX   XXXX   XXXX   XXXX   sent m e a letter saying that Bank of America was not responsible. I have proof from that Bank of America or its contractors blatantly lied and that in fact   XXXX   XXXX    caused damage, never mowed my lawn and did not remove debris ; the Police department as well as the Code Enforcement board has records that prove that Bank of America is not truthful.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Back in  XXXX  I pulled my credit report from all  XXXX  agencies. I noticed incorrect info on my account such as address I never lived and phone numbers that did n't belong to me. I contact all  XXXX  agencies to add a fraud alert on my account since I believe I was a victim of identity theft. I noticed on my Transunion report multiple inquires that did not pertain to me. I sent a letter and followed up with multiple phone calls and I cant seem to get these fraudulent inquires off my account. Transunion keeps giving me the run around.   The inquires in questions are as followed :   XXXX   XXXX   XXXX /2016  XXXX   XXXX /2016  XXXX   XXXX   XXXX /2016,  XXXX  2016   XXXX   XXXX /2016  ( DUPLICATE )
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, I went to my bank to try and get a loan to help my grandmother pay for her meds and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (FL)

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Names : XXXX XXXX, XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX, XXXX XXXX