davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

Franklin American Mortgage sold my loan to Citizens. I made the payment on XX/XX/19. They told me that they would forward my payment to Citizens. They saw I had made payment. I made my payment to Franklin American. I got a bill from Citizens saying it was not paid. I called Franklin American and they said they were only forwarding payments for 60 days. I was at 70 days. So they said they would forward the payment in 20 days. Or they would mail me a check Franklin said they showed the payment. I spoke to Citizens who said they wouldn't charge any fees. 20 days passed nothing. I called Franklin American who now says that they show I never made the payment. I had my bill pay provider call them, they won't talk to them. Then I sent ( email ) them confirmation of the electronic payment from the bill pay provider. XXXX, a supervisor from Franklin American said that he would look into it. Of course nothing. They no longer seem willing to help me and this will negatively impact my credit and cause difficulties with my home loan. Citizens has been trying but Franklin American doesn't care what they do, they lie and they could care less.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed unauthorized and fraudulent credit inquiries made by the following companies : 1. XXXX XXXX XXXX on XX/XX/2019
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I had contacted Ocwen, the loan servicer at the time and requested disaster assistance, such as a modification. After several requests I was told to apply in XX/XX/XXXX. I applied, but never received a response, possibly because my mortgage was transferred on XX/XX/XXXX and the new servicer said my file was not yet updated. I dont understand why my loan was transferred at the same time that I was given a package to apply for disaster relief and a modification. I have requested to be considered several times, but the new servicer has no record of my previous requests. So much time has gone by and I have not received any response, any assistance and I have now been referred to an attorney for foreclosure proceedings. I requested assistance several times, prior to being in foreclosure, as a result of the disaster. I was in the process of applying and referred to an agent, at the same time that my loan was transferred. This has caused me to lose contact and the servicer to lose track of my assistance request. In a previous complaint, Ocwen incorrectly thought I was requesting assistance because of damage to the home, but I was requesting assistance bc I was employed in the Fire Area, which was not accessible and heavily affected.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

XXXX, XXXX cases were filed previous and Navient still has not satisfied my request. If anything only confused the matter more. Case XXXX they provided a promissory note of XXXX, and only this document. Stating this as proof that I owed more than double that. In case XXXX they then state " Your Stafford loans were transferred to us in XXXX 2012 after being rehabilitated with a combined balance of {$11000.00}. Prior to us receiving your loans, they were in a default status. '' Then they are saying I had a consolidated loan for XXXX dollars. Odd enough I spoke to Navient in XX/XX/XXXX asking specifically that, and in turn caused all this. I asked specifically for the documents that ( apparently no one has ) showing I owe this amount of money. I was told they do n't have them and to call someone else. I was also told that my loans are not consolidated at all but only brought under Navient. ( see loans attached ) case XXXX states the opposite and my loan details show this as well. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. '' Plainly my accounts are not consolidated. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. Please note that your consolidation loan was simply transferred to us from another servicer, and was not previously in a default status. '' Once again no documents are provided showing where these totals are coming from. If something is " received '' you would have these records, dates and documents. I 've called the number they provided previously and they could n't produce these documents either. This is why I am on this forum.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: EAST WEST BANK (CO)

They shut down my East West Bank. I contacted them several times and they said they were investigating. They were full of nonsense. First of all, XXXX deducted my money. I contacted XXXX and did not deduct my money. Now I asked them specifically, and they said they couldn't tell me why.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

I was with Wellsfargo since XXXX and they charge me so much on bank fees and overdraft fees even though I made cash deposit first and I called the bank and they said they cant give my money back because they said cash deposit has a holding time. Im sick and tired about their lies so I want to leave.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (MN)

I am a XXXX-year-old retired father that was helping my son to get a {$23000.00} debt consolidation loan from US Bank ( co-signing loan ). I was told by bank officer XXXX the loan was declined due to a bankruptcy filing I had done that occurred in XX/XX/XXXX. Bank officer XXXX stated this was in note from loan underwriting officer to her. I went to XXXX XXXX and had no problem having loan approved and co-signing loan for my son. In XX/XX/XXXX I had listed credit card from bank that US Bank bought several years later in bankruptcy filing for about {$2000.00}. I kept my checking and savings accounts with this bank and later with US Bank after filing. In XX/XX/XXXX I asked for {$5000.00} line of credit that would be attached to checking account to avoid overdraft charges. I was manager for national company at the time and did a lot of traveling. Bank Manager stated this request was denied at that time for same reason, XX/XX/XXXX bankruptcy filing. I challenged the decision in a letter to the bank at that time. Letter from US Bank dated XX/XX/XXXX stated they denied loan due to applicant has poor or no previous experience with the credit grantor. Letter also stated my credit score was XXXX. I did have checking account for many years with US Bank till XX/XX/XXXX experience with loan denial.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I haven't had any success with updating/correcting my personal information with the three credit bureaus, XXXX XXXX, and, Experian.
Consumer complaint received 2017-04-25
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. (NC)

On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of  XXXX  times. Which drastically lowere d my credit score!   Reading FCRA it states automobile inqiries within a 14 day period shall cou nt as 1.  Experian,   XXXX    and  XXXX  are all reporting each individual inquiry, which in turn harmed my  credit score. I  have already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Completed a disputed through Experian back on XX/XX/XXXX for an account that was reported as a charge off from XXXX  XXXX XXXX, this credit card that was opened back in XXXX was a secure credit card and the balance was paid off completely in XX/XX/XXXX and reported closed and paid in full XX/XX/XXXX. Please have this account updated and current dates that shows charge off removed from my credit file immediately. I disputed this information and both XXXX & Experian refused to provide me any proof of the investigation that could verify why this is reporting on my credit file incorrectly after 43 months of no reporting until i disputed this item in XXXX of this year. I only found out about this misleading reporting by denial of a loan through XXXX and XXXX XXXX XXXX. I have spend a total of XXXX hours on the phone with XXXX and XXXX different customer service reps from Experian that refused to send my call up to a supervisor when they could not help. the XXXX would simply hang up on me. All calls to both companies are about XXXX minutes after long hold periods of more than XXXX minutes per call and XXXX to XXXX minutes constantly repeating yourself.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

RE : Portfolio Recovery Associates    XXXX    Acnt #   XXXX   RE : Portfolio Recovery Associates    XXXX   XXXX   XXXX    Acnt  #  XXXX   Portfolio Recovery Associates i s currently attempting to collect a {$4400.00}   XXXX    XXXX  debt ; however, although it is  XXXX  debt/collection they have it reporting as  XXXX  debts/collections, the account number they are reporting on  XXXX   &   XXXX  is different than t he one on  appearing on my  XXXX  report ; because of this, when a tri-merge is pulled it is counting as  XXXX  different and separate collections/debts.     Furthermore, the amount they are collecting on is inaccurate. I ma de 2 fin al payments to  XXXX   XXXX  prior to the account going into collections, so even the {$4400.00} is wrong too.     I simply wish f or Portfolio Recovery Associates to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be  removed.
Consumer complaint received 2017-04-25
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. (TN)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in regards to this issue and have not heard back from Experian,   XXXX   and  XXXX . They are all dated for the year  of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system o f   XXXX   being breached. I even had to call to remove addresses that I 've never lived.
Consumer complaint received 2023-05-22
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Due to loss of job and divorce I got behind on payments. I realized that I could n't catch up so I listed the house for sale with  XXXX   XXXX  as a short sale in  XXXX   2016 . They got an offer shortly thereafter which was over the listing price. They contacted the servicer and tried to initiate the short sale but have never received a call back for the loss mitigation department fro m Carrington Mortgage Service. They have tried to contact the executive office and no one will assist with pu tting them in contact with anyone in corporate. I filed bankruptcy once to stop the foreclosure but the realtor is still not able to get in touch with anyone from the lender.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

first after I tried to refi with them the  set 1 paym ent schedule then they tried to withdraw that. as I am struggling to make payments they keep changing the amount due from what they originally said for my fixed rate. over the years they have filed foreclosure and forced me to file bankruptcy 4 times. every other month now since  XXXX    XXXX   they send foreclosure papers out 45 days after a due date and a payment has been made even though it was more than what was set from the last refi. I made the requested payment every month even though it was more than what was set. they are the worst management company. they have service reps in  XXXX  that do not know what is goin g on in the US for days later.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (KY)

In   XX/XX/XXXX  I  discovered that my credit report was showing a 30 day late payment fro m Wells Fargo Dealer Services  from   XX/XX/XXXX . I n   XX/XX/XXXX  I mai led in my monthly payment for the correct amount ( {$290.00} ) and ON TIME (   XX/XX/XXXX  ). W hen I received my   XX/XX/XXXX   bill/statement, I discovered that my new bill was for {$410.00}. At that point I looked at my checking account and discovered that someone had incorrectly entered the   XX/XX/XXXX  check  amount for {$190.00} instead of the amount the check was written for. I immediately called  Wells Fargo Dealer Services.  I explained to the customer service representative that I talked to what had happened and even asked them to look at their image of the check and they could see it was written for the correct amount. The person I spoke too acted as though it was n't a problem and told me just to mail in the next payment as usual, to which I did. The next payment was mailed i n on  XX/XX/XXXX  a nd for the amount of {$410.00}. At that point I never thought anything else about it, and only until I checked my credit did I discover that W ell 's Fargo had w rongly reported to the credit bureaus that I was 30 days late on my payment.  <P/> After discovering this, I immediately filed a credit dispute with all  XXXX  credit bureaus as well as contacting  Wells Fargo Dealer Services. I  was told b y the Wells Fargo Customer Services Representative that I should fax a letter along with my   supporting documents to their Credit Report Dispute Resolution Unit. I did exactly that, sending them a letter as well as a copy of both the   XX/XX/XXXX  and  XX/XX/XXXX  checks as well as the dates that both checks were pro cessed through my bank. This was faxed to them on   XX/XX/XXXX . On  XX/XX/XXXX  I   received a letter from t he Credit Dispute Resolution Unit ( Wells Fargo ) stati ng that they verified that the information submitted to the credit reporting agencies was accurate and asking that if I had any cancelled checks or other records I should sub mit to Wells Fargo. I  HAD ALREADY PROVIDED THE CANCELLED CHECKS WITH PROCESSING DATES IN THE INITIAL COMPLAINT. I called  Wells Fargo again, a nd asked to talk to someone in th e Credit Dispute Resolution Unit. I was told that they were correspondence only, and there w as no one I could actually talk too. I then asked to speak to a supervisor and apparently I have been put on another dispute resolution case. Each of the  XXXX  credit bureaus have apparently updated their information to show the payment amounts for   XX/XX/XXXX  and  XX/XX/XXXX but the 30 day late payment has remained, apparently   becaus e Wells Fargo has "  verified '' their report.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I recently received a copy of all three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-02-02
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. (CA)

Regarding the fraudulent account I discovered on my credit report, I am submitting this complaint. I am contesting an account that has nothing to do with any transactions I initiated or approved. I have filed a report with the Federal Trade Commission detailing the theft of my identity, and a copy of the report is provided. I am an identity theft victim, and my personal information was used to open this account without my knowledge or consent. As a result, I am requesting that you either immediately remove this fraudulent account from my credit report with your company or tell me exactly where you got this information so I can take the appropriate legal action. The fraudulent account I discovered on my credit record is listed below, and it has to be deleted as soon as possible ; XXXX XXXX XXXX Balance : {$50000.00}. Please follow the law and have the challenged account deleted as soon as feasible in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-05-22
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. (FL)

I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

This complaint is in reference to a personal checking account that was opened during the year of XXXX XXXX. The account is currently closed. In addition to an separate checking account opened during XXXX. 

Approximately around mid XXXX XXXX, I walked into a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that confirms that a series of Cashiers Checks were purchased and paid via my checking account. I was the remitter the check and XXXX was payable to XXXX XXXXe. I spoke to a banker within the personal banking section of the branch and presented copies of all Cashiers Checks and explained I needed a thorough research and investigation for legal purposes. I explained the narrative of my case and even advised I have a court trial in early XXXX XXXX.I left them copies of all the Cashier 's Checks and was assured I will receive this information in a timely manner. Some of the checks presented were acquired from XXXX XXXX XXXX, presently known as Chase bank. Since making this inquiry, I have not received anything by mail or a call from the branch. I tried to call customer service a few times, yet was unsuccessful. The branch claims they do n't have any records on their system and they forwarded this to the proper department that can handle these matters. I am a plaintiff of a pending civil litigation related to an illegal foreclosure. The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Chase bank. I have attached all copies of these Cashier 's Checks for your review.