davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

PHH is my new loan service company. My old service company is XXXX. 

PHH began to service my loan and PHH does not acknowledge the mortgage payments that I made during XXXX, before PHH began to service my loan.

I want PHH to honor the loan modification agreement that I signed while my loan was serviced by XXXX  and which should still be in effect at PHH.

I want PHH to correct the late payment errors on my credit report. 


I applied for a loan modification and XXXX mailed a letter to me dated XX/XX/, stating, You have been approved for the foreclosure prevention alternative : Flex Modification. ) On XX/XX/XXXX  I phoned XXXX from my attorneys office ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX ). With my attorney listening in as a witness, I made the three required trial plan payments of {$890.00} for a total of {$2600.00} ( confirmation # XXXX ). 
That weekend I checked my checking account and did not see that the payment of {$2600.00} had cleared my bank. I was worried that the XXXX representative had made and error, so I made another payment of {$890.00}, which is the amount for one month. On Monday, XX/XX/, all of the payments had cleared my bank. At this point, I had made a total of four months payments. 
XXXX mailed a letter to me dated XX/XX/XXXX  stating, You are receiving this letter because we have received your final trial plan payment, which means you have successfully completed your trial plan period. 
XXXX mailed to me the final loan modification documents with a XXXX envelope. On XX/XX/, I took the documents to my attorney XXXX XXXX, to review. I signed the documents and they were notarized by my attorneys office. I placed the documents in the XXXX  envelope and put the envelope into a XXXX  drop box. XXXX acknowledged that they received the signed final loan modification documents. XXXX mailed me the final executed modification agreement dated XX/XX/. 

I continued to make my mortgage payments. 
XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$1000.00} ( I paid {$1000.00} via my bank online because a XXXX employee said that I had to pay this amount. ) XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} PHH is not crediting me with the payments that I made and PHH says my loan is in default because PHH says that I have not made any payments in the year XXXX.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

TCF bank was converted to Huntington bank. I closed my account in XX/XX/2021 and since then I have not received my fund. Its been around XXXX months and no clear response or plan. I have called them multiple times ( more than XXXX  times ) and visited branch also. Branch manager also wrote an email to their internal department and still no response. Very poor customer service and I have wasted my multiple hours in pure mental agony in this matter without any solution.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (NJ)

Because of COVID I applied for a deferment and was approved in 2020 I received a notice of servicing transfer from Novad to XXXX for FHA loan I am in need of a pay off for the partial payment deferment so I can close on a refi I have called all the numbers on the letter and can't seem to reach anyone for assistance. The recordings are all the same. 

This is been going on for a month XX/XX/XXXX when I started this process. It is causing me stress and I even may lose my locked rate. 

I really need to resolve this.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

Subject : Unauthorized Debit Card Transactions and Navy Federal Credit Union 's Denial of Fraud Claims I am writing to formally file a complaint regarding unauthorized debit card transactions that occurred on my account with Navy Federal Credit Union. Throughout this time period, my debit card was used without my authorization for multiple transactions, as detailed below : - On XX/XX/XXXX, my debit card was used for {$190.00} and {$140.00}, totaling {$330.00}. 
- On XX/XX/XXXX, my debit card was used for {$150.00}. 
- On XX/XX/XXXX, my debit card was used for {$400.00} and {$300.00}, totaling {$700.00}. 
- On XX/XX/XXXX, my debit card was used for {$150.00}. 
- On XX/XX/XXXX, my debit card was used for {$970.00}. 
- On XX/XX/XXXX, my debit card was used for {$1000.00}. 
- On XX/XX/XXXX, my debit card was used for {$320.00} and {$630.00}, totaling {$950.00}. 
- On XX/XX/XXXX, my debit card was used for {$36.00}. 

The total amount of fraudulent transactions is {$4100.00}. 

I immediately contacted Navy Federal Credit Union after discovering these transactions and submitted multiple fraud reports. However, all of my claims were denied without adequate explanation or follow-up. Despite submitting additional follow-up letters requesting clarification and resolution, I did not receive any response from the credit union . 

This process has been prolonged and I can no longer communicate with my bank by myself because they are still refusing to do anything about it. I am seeking your assistance to resolve this issue, as Navy Federal Credit Union has failed to address my legitimate concerns or provide a satisfactory explanation for denying my claims. 

Thank you for your attention
Consumer complaint received 2024-09-21
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. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (GA)

I bought my wife a one-carat diamond ring to commemorate our XXXX wedding anniversary in XX/XX/XXXX, using XXXX XXXX Credit Card issued by Comenity Capital Bank XXXX It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the remaining account balance in full in XX/XX/XXXX, the last month of the twelve-month promotion. The balance in XX/XX/XXXX was {$400.00}. Shockingly, I found that Comenity Capital Bank imposed a {$480.00} finance charge in the XXXX statement, which included all interests accrued in the past 12 months. Although I filed a dispute to request a waiver of the finance charge, it had been rejected. Until I checked Account Summary of the XXXX XXXX Credit Card website in XXXX, I absolutely had no idea that interest had continued to accrue over the past 12 months! I have been receiving paperless online PDF statements so that its hard to check the monthly statements line by line, page by page. I cant understand that Summary of Account Activity on the first page of the monthly statement and Account Summary of the XXXX XXXX Credit Card website state nothing about interest accrued for the past 11 months until XX/XX/XXXX. Above all, Comenity Capital Bank placed details on interest accrued for the past 11 months on the third page of the four-page statement, which I cant understand at all. Surprisingly, however, the XXXX statement shows all account activities and accrued interest as the attached XXXX statement shows. It proves that Comenity Captial Bank has intentionally and deliberately hidden information on account activities and accrued interest to confuse customers and give them false information! No one would imagine that interest accrued for the past 11 months would be charged at once since it was listed or shown nowhere. I doubt if all of the above is Comenity Capital Banks fair business practice to their customers. Although Comenity Capital Bank should have notified transparently that they would charge all interests accrued in the past 11 months or impose a certain amount ( {$480.00} or whatever amount ) as the finance charge in XXXX if the account balance is not paid in full by the XXXX payment due date, they didnt do so. Their warding on the monthly statement is so unclear that it seems to intend to confuse customers and prevent them from paying the remaining account balance in full. To sum up, Comenity Capital Bank significantly forces customers to accept an unfair condition. Accordingly, this is an unfair contract since it forces customers to accept an unfair condition disadvantageous only to consumers. I think I only have to pay interest on {$400.00} since my remaining account balance was {$400.00} in XXXX.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

I had a checking account with wells fargo. My name is XXXX XXXX. The acoount I believe ended in the number XXXX. I wrote two checks to XXXX XXXX XXXX in XXXX and XXXX of 2021. The claim numbers are XXXX claim number XXXX. 
I wrote two check to XXXX XXXX XXXX from my account last year in XXXX and XXXX of 2021. The checks were cashed at a wells fargo bank. I sent a copy of both checks to wells fargo. They drug their feet and I had to make a complaint with you. 

They advised me that I need to submit an affidavitt from XXXX XXXX XXXX representative stating that they never recieveed the checks. Wells Fargo paid out the money but XXXX XXXX XXXX did not receive the checks. 

I obtained the affidavitts and submitted them to Wells Fargo. 
I complaint was filed with you and you followed up with Wells Fargo. 

I have heard nothing from them and it has been months since they advised you tha they had indeed received the affidavitts requested. I have obviously changed banks although my name is on an account with wells fargo in an account with my wife. 

Each check was for {$200.00} dollars for a total of # XXXX dollars. I called wells fargo and they said I needed to confirm my identity even though I called two days earlier and my identtity was confirmed. I talked to the claims department at XXXX, Wells Fargo honored checks which were endorsed by someone other than myself. 
CONSUMER FINANCE contacted them after I made a report last year. 

They admitted to you that they have received the affidavitts I requested. I am asking you to contact them and ask them what the status if of the two claims and have them return my {$400.00} dollars for checks the paid which did not go to XXXX XXXX XXXX and they are clearly aware of the that since they responded to the affidavitts and and advised you in a prior complaint that they had received the affidavitts from XXXX XXXX XXXX. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Illinois XXXX
Consumer complaint received 2021-11-29
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. 
I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Please delete the fraudulent accounts My name is XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SUNFLOWER CT XXXX, CA XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (MO)

i had a car and it put me down and they wouldnt fixed it and plus the state of Missouri has a lemon law that they didnt abide by so they still had my car and because of covid i couldnt get it fixed and my report shows charge-off and they violated the FCRA laws
Consumer complaint received 2021-11-29
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-01-04
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. (DE)

To whom it may concern, I'm disgusted and upset that the Credit Bureau is not taking my request to investigate the inaccurate and misleading information on my consumer report seriously. I've sent a certified letter over a month ago, requesting the agency to verify and accurately identify these accounts, and If they can not accurately identify them delete them immediately.

To date, I have not received a response from them yet.

In accordance with federal law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

They must delete them.
Consumer complaint received 2024-11-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

When we moved to our new home in XX/XX/year>, we purchased some new furniture, including a mattress from XXXX XXXX. At the time of purchase, we took advantage of a 36-month, interest-free financing offer, which I promptly placed on automatic payment. The purpose of our automatic payment is to avoid late payments and constant statement tracking. In XXXX, I started receiving emails from the financer ( Synchrony ) that I was behind on my payments. When I called, I was surprised to learn that the company had begun charging me for paper statements ( {$1.00} per month ) and a late fee ( amounting to over {$100.00} in aggregate ) for each month where there was a remaining balance. I got those fees reversed, but in the following month, I got charged an additional $ XXXX for failing to pay the previous month 's minimum payment. Apparently, despite having fees reversed, they did nothing to reduce the payment due, instead opting to reduce the overall balance. As a result of the additional fees, Synchrony has effectively forcibly accelerated a payment such that the 36-month term is effectively 35-months. It seems unlikely that I am the only one that experienced this and, at scale, Synchrony potentially accelerated millions of dollars in payments by creating a situation where they would be due exorbitant fees. This feels like fraud and on a fixed income, it's wrong.
Consumer complaint received 2020-05-07
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. (PR)

Back in XX/XX/XXXX I disputed online with Experian an erroneous account ( XXXX/XXXX ) on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is mine.