davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

during a 7 year fight with XXXX XXXX XXXX in which they took back a valid home loan modification that I paid on I have been XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now due to a fall XXXX XXXX XXXX. The Bank sold my loan after I filed a complain with the FCC and they were found guilty but they refused to correct and let me start making payments. They kept the financial balloon payment, which was XXXX and part of the modification on the loan and changed my rate to 8.75 % up from 2 %. I tried writing 10 times to the company they sold my loan to Nation Star and they would not acknowledge the service error on the file. during this time I was undergoing XXXX XXXX. I paid Nation Star 10 payments and they took them but returned the 10th payment saying I didnt meet their criteria for help. I hadnt submitted anything to them other than to tell them I was trying to get help but they had a service error on the file. I asked for help for XXXX county legal aid and XXXX XXXX said she had never seen a company behave so aggregously but i would have to pay an attorney to sue them because they had no funding at the time. I sued them and case number is XXXX. During the court case I believe around XX/XX/XXXX the Nation Star service company admitted to service error by correcting my rate to 2 % but would not allow me to start making payments again at that rate. Then I became hospitalized and judge would not allow for the fact that I was bed ridden from XXXX XXXX XXXX XXXX XXXX, so judge XXXX XXXX dismissed the case 4 months later. Now Nation Star is using my Illness through XXXX XXXX XXXX to Cut off my prescription healthcare coverage because XXXX  XXXX XXXX is my employer
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (TX)

I have had this debt collector on my credit report for 3 years and 9 months now. I have never even received a written letter or call about this debt. I don't recall ever owning anything to this company. On my credit report, it doesn't even give a number for this collection agency that supposedly has my debt.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

Citi bank On XX/XX/2018, I opened a saving and checking account and I was told by the representative that I will receive {$400.00} bonus if I keep the accounts open and maintain the balance above {$15000.00} for 60 days which I did. 

After 60 days, Still no bonus, I called the citi. They said they need 90 days for investigation and ask me to keep the account and money in the account. 

This is a FRAUD ... 

Citibank case # XXXX
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MN)

I have been getting more than 7 calls a day now going into texting me about payment. I make a payment they add more interest. I explained I have some of cash and asked to settle. All I get is more charges and constant calls that never end.
Consumer complaint received 2018-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2018-06-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (OK)

I could not make my XX/XX/XXXX payment, as I was in XXXX school. When I called at the end of XX/XX/XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XX/XX/XXXX payment XX/XX/XXXX. I made my XX/XX/XXXX payment XX/XX/XXXX to ensure the XX/XX/XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XX/XX/XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XX/XX/XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA 's Refusal to handle/disclose of information account # XXXX : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XX/XX/XXXX to XX/XX/XXXX, during its servicing. 
2. Date and copy the Bank Endorsement issued by XXXX XXXX to the new Trust o Note Holder. 

I will apreciate your cooperation in this matter.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I had a credit card with Gap Visa Card by XXXX XXXX The website is so not user friendly. I tried to set up an automatically payment, but it kept rejecting my XXXX checking account. So I had to set up manual payment through my checking account. They charged late fees on me once, I complained, but this month charged me again. They never even tried to help me to set up an automatic payment I wanted. This month the payment due date was XX/XX/2018. But it shows my payment was delivered on XX/XX/2018. I already cancelled the card.
Consumer complaint received 2018-06-15
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 WILL SEND YOU SOME UPLOAD PROOF THAT THESE ACCOUNT ARE NOT MINES AND NEED TO BE REMOVED TODAY .... 

XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT ARE DELETED FROM XXXX   AND XXXX  AND THEY DONT BELONG ON HERE EITHER.!!!!!!!!!!!!!!! 

THE XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT LISTED KNOW WHERE ELSE ON MY CREDT REPORT AND IT NEED TO BE REMOVED NOW!!!! ITS NOT LISTED ON XXXX  OR XXXX AT ALL. 

FIX MY CREDIT SCORE BACK TO A XXXX AND ANOTHER THING I BEEN ASK EXPERIAN TO VERIFIED THESE ACCOUNT AND THE XXXX   SYSTEM THEY USED IS OUT DATE THEY KEEP SENDING THAT SAME ONE PAGE LETTER WE VERIFIED I ASK EXPERIAN GIVE ME THE NAME AND NUMBER OF THE PEOPLE THEY TALK WITH THESE COMPANY .. THEY REPLY AND SAID NO I TOLD THEM BY FARE CREDIT REPORTING ACT THEY ARE REQUIRED TO MAKE SURE ALL INFORMATION IS 100 % RIGHT NO ERRORS THESE ACCOUNT ARE DEAD WRONG PERIOD FIX MY SCORE BACK TO XXXX AND DELETE THESE ACCOUNT NOW
Consumer complaint received 2021-07-02
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Recovery Services Inc. (TN)

The have been calling repeated to my both my cell and job from XXXX and XXXX. When I asked what the call was in reference too they become extremely rude and will not state the nature of the call. When I refused to confirm my DOB or SSN without stating they nature of the call, the reps become very defensive and aggressive. 
I requested that any correspondence be communicated in writing and that all calls cease to me made in regards to anything associated with my name. Upon doing so, I am repeated hung on up. 

The excessive calls to my job has my superiors thinking this is something to bring concern as they are not only calling my desk, they are calling me through our dedicated customer service line for customer. 
Dates : XX/XX/2018 - XX/XX/2018 daily at least 6 calls between my cell and job. 
Reps spoke to where XXXX, XXXX and XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have a CitiBank Citicard XXXX XXXX credit card. 
I paid off my balance of {$4300.00} on XX/XX/2019. 
Citicard accepted payment and my balance moving forward was {$0.00} Citicard send their reports to the Credit Bureaus on the XXXX of each month but did not report my XXXX payment and {$0.00} balance to the Bureaus on the XXXX XXXX. 
So as a consequence my credit report still shows an outstanding balance of, now, {$4500.00} and my credit has dropped to XXXX and is dropping 10 points a day because this large balance is showing unpaid. The last time Citicard reported my payment was XX/XX/2019. 
I have called them daily asking to get this resolved and have been disconnected multiple times. I have spoken with supervisors and they tell me to send a fax to Citibank Credit Resolution service explaining the situation. They will then try and resolve the problem with 7 - 10 days. 
If I am forced to wait that long my Credit rating will be below 600. 
I am trying to buy a car for my work at present and can not qualify for anything as my credit is not good enough due to this issue.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX  I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my rights.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

My mother in law passed away in XX/XX/XXXX. She divorced her husband in XXXX and legal proceedings were held to remove him from the morgage held by XXXX XXXX at that time. In XXXX the morgage was sold to M and T bank. They have been informed of our want in succesor of interest, however they refuse to alliviate XXXX XXXX, my divorced father in law, of his responsibility to the debt. After much discussion with XXXX XXXX and many document transmitals. Their final response from their representative, XXXX XXXX was that it, '' sounded like a XXXX XXXX problem and not a her problem ''. She also seemed to think we might be interested in coming into their New York based office from Texas.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (IL)

I have not received any verification of debt or reply. Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

My information was involved in identity theft years ago, btw XXXX and beyond where my name was used to open different accounts and even obtain credit cards, and went on shopping to different departmental stores and other vendors. some of them that show up earlier on has been removed from my credit report, but lately I found out that portfolio recovery services has send my information to court and judgement obtained seeking to recover a sum of {$2900.00} plus interest. I have informed them that this is fraud and should have not gone to the court to begin with. They claimed that they were awarded that judgement against me b/c of failure to appear. I informed them that it was not my account. I asked them What was purchase and they said it looks like laptop or desk top computer, and that they don't have much details since it has been old and from an online bank. 

Right now I have contacted the court to look into the matter but was also informed to report the fraud with this platform. I need the judgement dismissed immediately, and my name cleared.
Consumer complaint received 2021-07-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union, XXXX, and XXXX have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

XXXX billing services has defaulted accounting practiced in the standard norms. I was provided internet XXXX XXXX by XXXX. I was supposed to have two year contract for their business. But I decided to move to a new place where I was n't provided the same quality services but different quality internet which was on repair status for one week. But then billing statement showed so many flaws .I had also reported to annual credit agencies who works harder with businesses to give fabricated credit report. This is to inform you that amount was charged fraudulently without my notice and permission. I will provide all documentation provided It is related to IRS as well as tax filing only after getting your response.
Consumer complaint received 2021-07-19
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: CITIBANK, N.A. (OH)

On XX/XX/2021 I went to Home Depot website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.
Consumer complaint received 2022-12-30
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Today I want to dispute one fee with JPMorgan Chase Bank. 

When I log in to my checking account in JPMorgan Chase Bank, it was overdrawn. I have transferred {$120.00} to cover it. However, when I check my account today, they charged a fee, it was called INSUFFICIENT FUNDS, and it costs {$34.00}. 

But the important is, I did transfer enough money from another bank via XXXX with XXXX after I realized. 

According to the rules in Chase.com : https : //www.chase.com/personal/checking/overdraft-services/standard-overdraft-practice > You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or transferring funds from another Chase account : > At a branch before it closes > At an ATM or when using the Transfer Money option on chase.com or Chase Mobile or using Chase QuickPay with XXXX before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ) Then I found the transferring transaction was done at XXXX XXXX Pacific Time, which is XXXX XXXX Eastern Time. It's based on the email and transaction detail. 

According to the rules about XXXX with XXXX on their website : https : //www.chase.com/personal/quickpay > If your recipients bank is a XXXX member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipients bank doesnt support real-time payments, the money should be available in 1 to 2 business days. 

Which means when I requested the transferring, it already credited to my account before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ). Because XXXX XXXX supports real-time payments. 

If the money credited to my account in next day, which means it is not caused by me. They said it was credited to my account at XXXX XXXX  in next day. This is ridiculous. 

After I called their customer services, even transferred to the manager, they still did not give any resolution. 

XXXX XXXX delayed the transferring credited on purpose, just make sure they can have a reason to charge me an insufficient fee.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (NC)

A transaction in the amount of {$58.00} to XXXX XXXX goes thru every XX/XX/XXXX or XX/XX/XXXX month. First time I noticed back in XX/XX/XXXX or XX/XX/2018. I called my bank and let them knew the transactions were not authorized by me. Not only I wanted to dispute the transactions but I also wishes to stop these going forward. I never heard back from my bank afterward and I assumed it was taken care of. 
Recently I saw the transaction again, I called telephone banking, after being transferred to 4 different customer service rep, I was told that the transactions were not stopped because the previous case was denied due to out of 30 days time limit that I had to report any unauthorized transactions and the bank is unable to make stop payment just using the name and the amount. They need more information. Unless I change my account number, these transactions will continue to go thru and they are unable to do anything about it. Rep name XXXX.