davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

My primary mortgage company Ditech was on the verge of bankruptcy processing, my account has been transferred to XXXX started on XX/XX/2019. 

Ditech sent false report that do not match the real monthly payment to new service XXXX, also Ditech sent a delinquent credit report. 

The US Bankruptcy court sent a notification in XX/XX/XXXX, which made me stop 1st check of {$550.00} ( escrow shortages ).  Ditech sent a letter about my mortgage loan service transfer to XXXX around XX/XX/2019, that is the reason to stop the 2nd check of {$500.00} ( the check sent on XX/XX/19 ) From XX/XX/XXXX to now, I called the both Ditech & XXXX many time to seriously state that the two stopped checks all for escrow shortages, not made for a regular monthly mortgage payment, because escrow shortage is optional, as customers like I have the right to choose Yes or No. These two stopped checks does not concern the regular monthly mortgage payment, because of the monthly payment funds {$1400.00} withdrawal from my bank every monththat is pure fact. Also I sent the two monthly payment proof ( the paid check copy and bank statements ) by email and by mail to the both Ditech & XXXX I always asked them to provide a banks chargeback source for XX/XX/XXXX payments, but Ditech could not do provide any documents, and refused to admit that the XX/XX/XXXX payment was counted as credit.
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (IA)

I received an email claiming I was late on a payment. I went ahead and paid the past due amount plus what was due the next month. Then I find out a day later that they dropped my credit score 180 points AFTER I made the past due payment. The company acknowledges that my account is in good standing but says that I have to dispute on here to get my credit score back up.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (CA)

NCB Management Services representing XXXX XXXX XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XXXX XXXX, 2018 Amt {$3700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

My names is XXXX XXXX. I have my student loan though Great Lakes Educational Loan Services.My id with them is GLID : XXXX This months payment was to be made last Sunday XX/XX/XXXX. When I went to make this payment that Sunday the website told me I was past due. I immediately made the payment and contacted Great Lakes today XX/XX/XXXX that although I did pay it in the right day because the payment was made on a Sunday it does not count. Great Lakes themselves gave me the due date of XX/XX/XXXX. I was told I needed to make the payment 3 days prior for the payment to processes. I voiced to them this was unfair but was told nothing can be done. Great Lakes Educational Loan Services will now report to credit agencies my missed payment, they now expect me to pay the entire XXXX balance by XX/XX/XXXX and have added XXXX in unpaid interest. For my entire history of repayment to Great Lakes Educational Loan Services I have been on time. This is unfair and they refuse to help me.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I talked to Chase 's Military Benefits Department in XXXX or XXXX of 2018, and was told I needed to apply prior to XXXX XXXX in order to get my annual fee waived for the first year ( and going forward ). Upon activation to XXXX XXXX, I applied for SCRA benefits, and was then told the first annual fee would not be waived. If we would have been informed correctly, I would have just waited until entering XXXX XXXX to apply. I asked them to pull the call, and they said they could not without a specific date and time. As I did not expect to be lied to, I did not write that down, and they are unwilling to help any further.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and XXXX is reporting that I was late 120 days. However Experian is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. Eperian and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. Experian and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Consumer complaint received 2019-12-24
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

XX/XX/XXXX, my mortgage loan was bought by M & T.l In XXXX I discovered they never pay my home insurance from escrow because I received a bill from the home insurance company. This is because M & T assigned me their insurance at an higher rate. In XX/XX/XXXX M & T increased my monthly payment from {$2200.00} to {$3500.00}. This was due to an shortage in my escrow. After struggling to make XXXX and XXXX mortgage I reached out to M & T for explanation as to why such a large storage. At first they claimed that my tax rates went up only by a few dollars not thousands. Then they stated there was an lean on my property. This was false. Then there was an outstanding water bill. I reach out to my water company also the county tax departments. There were no proof of any outstanding bill from the water or tax company. Today, XXXX of XXXX M & T continues to force me to pay an extra XXXX more on my monthly mortgage. I was serve with pre foreclosure papers.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On Monday, XX/XX/2019 I noticed a series of fraudulent transactions on my CapitalOne credit card. I immediately contacted the CapitalOne fraud department via phone, reported fraudulent transactions, and identified the legitimate transactions. The bank re-issued a card. 

Today, on XX/XX/XXXX, it was brought to my attention by XXXX that a donation that I made via XXXX was one of the transactions that my bank marked as fraudulent. I called the bank, and asked them to cancel the dispute. I even asked them to listen to the recording they made of the original call where I explicitly identified the XXXX transaction as legitimate. The CapitalOne refused, saying that they can not " change the process ''. As result, my XXXX account is frozen, and the status of my donation is unclear.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (AZ)

The Credit Bureau is reporting inaccurate information on AFNI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-01-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

im complaining of behalf of Wells Fargo Bank going on XXXX years have been a living XXXX, in the process i had hired 3 Attorneys and literally got rip off by all of them especially one particular attorney that did nothing to modified. Until a year later i got modified myself without an attorney. I have Three accounts with wells fargo especially the mortgage account to save my home and there customer service is the worse. The personal accounts is horrible too because there overdraft fees are XXXX dollars a pop and there is another bank that reduce there overdraft fees to XXXX because they know due to Covid.
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I called Buckeye Lending Solutions on XX/XX/XXXX to inquire about settling my balance of {$450.00}. I was told that the debt had been sold XXXX XXXX. I then contacted XXXX XXXX on this same day and settled the account for {$380.00} on XX/XX/XXXX. I was told by a Debt Collector at XXXX XXXX that this account would be reported as settled. I have contacted XXXX XXXX on 3 different occasions and have gotten the run around. XXXX XXXX then stated that Buckeye Lending Solutions is responsible for reporting to the Credit Bureaus and vise versa. I have made atleast 3 disputes regarding this matter in the past! Please Help!!
Consumer complaint received 2019-12-24
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: U.S. BANCORP (NJ)

In XXXX I complained about a XXXX charge I received from XXXX on my statement. The charge was not recognized. I have dealt with the company in the past but only in prepaid fashion where I charged The Whole amount to the particular credit card a year ago. I never authorized XXXX to charge the amount indicated. Furthermore they used an old credit card number and expiration date since I know I never updated that information with the gym since it was only that one payment I made. I told the person in the gym that I will not be charged and they told me of course not you paid for the year membership in advance and there was nothing to worry about. I told us bank all this information and filed a dispute tellinging them it was unauthorized charge. They did not listen. They gave me a conditional charge but reversed the charge saying it was authorized. After bickering with me back and forth I was forced to file this complaint. XXXX
Consumer complaint received 2019-10-15
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: EQUIFAX, INC. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$94.00} not mine XXXX  XXXX not mine XXXX   XXXX not mine CXXXX XXXX XXXX XXXX {$280.00} not mine
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

This home was sold in XXXX of XXXX.. in XXXX of XXXX while in the process of purchasing a new home we saw that Ocwen was reporting late payments on the account which was incorrect..While they where researching the account someone at Ocwen entered some wrong information into my credit report stating that the account was still open and delinquent!!! Well our new loan was denied and we almost didnt get the loan for the new house ... Well we finally got Ocwen to enter the correct info regarding the loan being closed and sold, but they never removed the delinquent payments on the credit report.. I have submitted several disputes for them to correct this info, but they have not corrected this info yet.. Once again there were never any late or delinquent payments on this account!
Consumer complaint received 2022-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

Request for an In-School Deferment was allowed and agreed upon by College attended at Fall 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department in early XX/XX/2021, through my loan servicer, Nelnet ( document attached ). With an agreed end date of XX/XX/2021. I've since have attempted to talk to representatives at Nelnet and Financial Aid 's Registration and Records of signing a new Forbearance/ Deferment agreement in hopes of extending postponing payment to their Financial Aid Department there at The College at XXXX XXXX with no success. The issue continues to be that their Financial Aid department, at the XXXX XXXX is in continued request of a large sum of money {$5600.00}, which I financially can not afford. I am now at the moment submitting complaints to studentaid.gov with regards to several other Department of Education websites, prior. In hopes of having them address my financial concerns as a student and working person here in XXXX New York. Can you assist me in postponing payments and become eligible for a payment plan through Nelnet XXXX? If so I would appreciate hearing back from your XXXX website and any additional questions you might have.
Consumer complaint received 2019-12-04
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 RE : Hard Credit Inquiry Removal Request I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/2019, I received a copy of my credit report and became aware of many inquiries that I did not authorize. They are as follows : 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 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 XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

An item was purchased online for XXXX at XXXX XXXX on XXXX XXXX, 2019 That item purchased was a gift and it never arrived to my aunt in Arkansas. 
XXXX  XXXX was the carrier and the tracking information said that the item arrived on XXXX XXXX, 2019. But the item was not there, nor delivered to her home. 
I called XXXX XXXX and spoked to XXXX on XXXX XXXX and they stated they would file a shipping claim with XXXX XXXX and reship the package immediately. 
I phoned again on XX/XX/XXXX and nothing had been resolved and they never shipped the package as stated. I requested a refund and spoke to 2 different customer service agents on XXXX XXXX, and they said they had no authority to issue a refund so I asked for a supervisor and both times I was put on hold for 30 minutes and no one ever came to the phone.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-09-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC (NV)

XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX. 

It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.