davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

I have been trying to get approved for the HAMP Modific ation. Wells Fargo sai d that I did not send in the paperwork by the deadline of  XXXX . I have proof that it was faxed and received by them on  XXXX . They also changed the Home Preserv ation Specialist  from  XXXX   XXXX  to  XXXX   XXXX  in  XXXX ,  XXXX .   They requested more documentation and I sent it on  XXXX , and I also clarified some information on the phone a few days later.   On  XXXX   XXXX ,  XXXX , I received a letter stating that they  denied the HAMP Modification, b ut approved me for long term assistance of 40 years at 6 % with a monthly payment of {$1300.00}, or 30 years at 6 % with a monthly payment of {$1400.00}. They did not lower the interest at all, even though the interest rate is in the low 3 % range now.   I have NOT agreed to either of these options. I am still paying my regular monthly payment. I have approximately 17 years left on my mortgage, why would I want to pay for another  30 o r 40 years?   On  XXXX   XXXX ,  XXXX , I sent in  an Appeal Request  with more information. On  XXXX   XXXX ,  XXXX , they sent a letter stating that they denied my appeal.   I have fax ed my Divorce Decree to Wells Fargo two  times, yet, even though I have requested several times that my ex-wife 's name and email address be removed from all all my letters and documents, they are still on them. I do n't t hink that they should be sending my ex-wife correspondence concerning my Hamp Modification and Appeal Request.    On  XXXX   XXXX ,  XXXX , during a phone call to pay my monthly payment, I asked why I was denied th e Appeal request. I was told by another Home Preservation Specialist, that my documentation was too late to be reviewed because the HAMP deadline was in    XXXX ,  XXXX . If it was too late, why did they request more documentation in  XXXX  and  XXXX ? The Government websi te about the HAMP Modification states tha t the deadline was  XXXX   XXXX .
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep th e service.But   XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to the date.   The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA law  805 se ction B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections ha s no clue.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 

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Consumer complaint received 2017-05-15
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)

I file a complaint with Attorney General   XXXX   XXXX     XXXX  on behalf of a Identity Theft issue. In the letter I was advise to write or call credit reporting agency. I cal led Trans Union. O n the matter to place a credit alert with the  XXXX  credit agency 's. I talked with  XXXX  at  Trans Union Corporation  on behalf of the credit reporting of  XXXX   XXXX   XXXX   Company/collection agency for a debt on cell phone bill that was in  XXXX  balance when the  XXXX    XXXX   account was cancelled.   The  XXXX   XXXX  company sent a bill that was settle to a   XXXX   XXXX   collection agency.     This collection agency is on my credit report as owed bill. This  XXXX  account was cancelled on,  XXXX   XXXX ,   XXXX  .  XXXX  account number.  XXXX . In the amount of. {$92.00}   XXXX    Re.  No.  XXXX . This was a resolved issues with  XXXX .   The phone number for the collection agency :   XXXX   XXXX   collection agency is,  XXXX   XXXX   XXXX   XXXX . ( The   XXXX   n  umber above  XXXX . I filed a complaint with the  XXXX . This file matter was on the reason I cancel the account with  XXXX . ) I would like this matter to be address. The collection agency on behalf of  XXXX   XXXX  to be remove off of my credit report. This  XXXX  account has been cancelled and is in  XXXX  balance. Thank  XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep the service.But  XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to   the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di  sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA la w 805  section B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections h as no clue.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I HAVE A MORTGA GE WITH JPMORGAN CHASE &  CO AND I REQUESTED MORTGAGE ASSISTANCE WHICH WAS DENIED ON  XXXX   XXXX ,  XXXX . THE AGENT THAT INFORMED ME OF THIS DECISION TOLD ME TO MAKE SOME PAYMENT BEFORE  XXXX   XXXX ,  XXXX . ON  XXXX   XXXX ,  XXXX , I WAS 4 MONTHS PAST DUE ON THE MORTGAGE AND THE AGENT ADVISED ME TO MAKE THE  XXXX   XXXX ,  XXXX  TO KEEP THE PAST DUE TO LESS THAN 5 MONTHS.     I MADE A {$2000.00} PART PAYMENT ON THE MORTGAGE INSTALLMENT DUE OF APPROXIMATELY {$3700.00} FOR PRINCIPLE, INTEREST, AND ESCROW. I MADE A FURTHER PAYMENT OF A PAST DUE MONTH ON  XXXX   XXXX ,  XXXX .     CHASE RETURNED BOTH PAYMENTS TO ME AND WOULD NOT ACCEPT ANY PAYMENTS LESS THAN 3 MONTHS PAST DUE OR {$11000.00}. I HAD PAID THEM APPROXIMATELY {$5700.00} TO CATCH UP ON PAST DUE AMOUNTS AND REFUDED ANYTHING LESS THAN {$11000.00}. I NEVER HAVE EXPERIENCED ANY CREDITOR REFUSING PAYMENT UNLESS IT WAS A MINIMUM AMOUNT. THIS PRACTICE IS AN EXCUSE TO ALLOW THEM TO PROCEED TO FORECLOSURE AND MAKE A WINDFALL PROFIT ON THIS MORTGAGE WHICH WAS PURCHASED BY  CHASE FROM THE  FICA AS A RESULT OF TH E WASHINGTON MUTUAL ( WAMU ) FAILURE IN   XXXX   FOR LESS THAN CENTS ON THE DOLLAR.      IN  XXXX  CHASE REFUSED TO MODIFY MY MORTGAGE UNDER HAMP FOR THE SAME REASON AND THEY FALSIFIED THE ENDORSEMENT FRO M WAMU  AND ROBO SIGNED THE TRANSFER FOR WHICH THEY WERE PENALIZED BY VARIOUS GOVERNMENT AGENCIES.  CHASE FI NALLY MODIFIED MY MORTGAGE IN  XXXX  AFTER THEY SETTLED A LAW SUIT I FILED AGAINST THEM AND PAID ME DAMAGES OF {$15000.00}.      CHASE  PRETENDS TO PROVIDE MORTGAGE ASSISTANCE AND ASSIGNED ME A PERSONAL REPRESENTATIVE WHICH I CAN NEVER CONTACT BECAUSE SHE IS NOT AVAILABLE. WHEN I CONTACT MY PERSONAL REPRESENTATIVE, SHE IS NEVER THERE AND ANOTHER PERSON HAS TO ANSWER MY CALL. ALMOST EVERY SUPPOSED CUSTOMER CARE REPRESENTATIVE HAS A FOREIGN ACCENT AND HAS NO AUTHORITY TO MAKE ANY DECISIONS. THIS IS A RUSE BY  CHASE  THAT THEY PRACTICED IN  XXXX  WHEN THEY FILED A FORECLOSURE AGAINST ME AFTER THE AGENT TOLD US NOT TO MAKE ANY PAYMENTS ON THE MORTGAGE UNTILL THE MODIFICATION WAS COMPLETED.     AT THAT TIME I WAS NOT EVEN PAST DUE ON ANY AMOUNTS. I AM  XXXX  YEARS AND NEED ASSISTANCE FROM  CHASE PRE DATORY COLLECTION PRACTICES.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise credit services has been calling at least 4 times a day for a   XXXX   bill. I asked them repeatedly to stop calling while I 'm at work but they argue that I do n't answer after work but I have set up payment but I ended up not having the money in the account. I would set it up again but they wo n't quit calling me at work. They are also masking the number because I called it back one time a nd it was n't a debt collector at all.
Consumer complaint received 2017-05-15
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In   XXXX  , I was denied employment with  XXX  due to false negative debt reporting by Bank of America. Bank of America reported that I had over {$10000.00} in negative debt, which was a disqualifier for  XXXX  Applicants. Though Bank of America apologized and admitted fault for the errors, I sustained damages that I was never compensated for. Presently Bank of America reports that my mortgage loan is abandoned though it is paid as agreed.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

On  XXXX   XXXX ,   XXXX   at  XXXX   XXXX   XXXX , I received a telephone call from  Ally Bank on my personal telephone. The person calling advised me that the call was being recorded. I told him I didnt want to be recorded. He told me I could not communicate via telephone with Ally Bank without my call being recorded and that he could not call me back on a line that is not recorded or otherwise stop the recording. I decline to continue the call. The only account I have with Ally B ank is a savings account. California is a  two  party consent state as described in  Cal. Penal Code 632 . The  Federal statute is mute since the California statute is more restrictive and the Federal  statute defers to the more restrictive statute when one exists.
Consumer complaint received 2023-06-06
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)

I reached out to the credit bearus on XX/XX/2023 with a letter that i reviewed my report and there was incorrect information and items on my report. I am trying to purchase a home and these items are causing me alot of stress because it is stopping my family from purchasing a new home. 
I started looking into the consumer laws and i found that there is alot of laws the credit bureaus are breaking but at this time the biggest one the consumer law that states the credit bureaus have 30 days to investigate and respond to me as we provide a updated credit report with the results. I have not heard anything back and this is very frustrating and concerning to me. I have attatched the first letter i sent out as well as the second letter i sent out with this concern with this matter. Please make sure this matter is resolved ASAP it has already been XXXX  days since my letter was sent out. I do not want to and by law do not have to wait any longer. .Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of my letter to respond to my request for re-verification of the erroneous items. I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( XXXX ) must be DELETED IMMEDIATELY attatched is also my proof of id and proof of address so you are aware and able to verify who i am. Please resolve this matter asap or i will be taking this matter further. Thank you for your time
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

. The company needed to be investigated due to not providing proof. XXXX the same. I have not received anything needed to prove the information. According to Section 1681i of the FCRA, I have the right to dispute inaccurate information on my credit report and expect that such information will be thoroughly investigated. Under 15 U.S.C. 1681s-2, it is the responsibility of data furnishers to report accurate information, and National Credit Systems has a legal obligation to ensure the information they report on my credit file is valid and correct. Additionally, under Section 1692g of the FDCPA, I am entitled to validation of any alleged debt within 30 days of request.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This complaint concerns a problem with  Captial One Venture Card  mileage reward program. In order to take advantage of approximately   XXXX   miles of a  Venture Card re ward, I got onto the online booking program that  Capital One  uses to grant rewards. In looking for a roundtrip flight to   XXXX   XXXX  , I was quoted a trip for approximately {$1900.00} dollars for the flight depending on surrendering my  XXXX  miles. In the process of coordinating the flight with my wife, I learned that the same flight by the same airline was being offered at {$1900.00} directly on their site  ( the airline wa s  XXXX   ). This is  the same price that  Capital One  's online site was offering based on surrendering my  XXXX  miles. The  XXXX  miles is supposed to be equivalent to approximately {$820.00} dollars. Thus in essence , Capital One w as providing no discount at all on its online site and was taking {$820.00} from me without batting an eye. This seems to be outright fraud to me, since I learned that one can make one 's own deal with an airline and then have the mileage value ( here {$820.00 } ) tak en from the credit card bill if  one uses the Venture Card to pay for the transaction. Thus, I ended up paying only {$1100.00} for the same flight. I called Capital One to find out if they knew about this discrepancy on their web site they were using. Discussions with Capital One 's legal department made it clear to me they were not interested in correcting the problem.They told me they had no control over the process, even though I told them they could issue a disclaimer on their website that the user would probably not get the best deal here and would probably loose their mileage benefit completely. Capital One 's legal department just continues to respond that they have no control over the process which is nothing more than a lie.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

There are  XXXX  collections after me for a debt that I do not owe. Convergent Outsourcing is  one  of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from   XXXX   The account number they are using on my report is "  XXXX  ''.     I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is  XXXX  Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number  XXXX  is using is "  XXXX  ''.     Is n't it illegal for  two  different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice on my credit report???
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NC)

I got put on hold several times calling, I had to close bank account do to fraud and reopen. The card was on my bank. I never ordered the card or authorized. But after a couple times they were to transfer me to manager on hold for 35 minutes and operator come back on asked to verify number they call me back. Never got a call back.. this isn't bothering first time. I've git several things on my credit. That shouldn't be there my credit went XXXX XXXX I'm on tears
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NY)

I'm trying to get hired for XXXX and the background check came back saying my license not valid like I'm a passenger driver and stuff like that and it's not true I took care of the problem at the DMV around the XXXX or XXXX of XXXX and XXXX verified that my background check came back on the XXXX and it was some problems with my license can you please fix the issue i would greatly appreciate it
Consumer complaint received 2017-05-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

On or about  XXXX / XXXX /  XXXX    XXXX   XXXX  was instructed to lock a mortgage rate of  3.375 with 0 Discount points and one percent  origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up.     Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional  XXXX  dollars to close the loan in violation of the language in it 's own documentation.     I vehemently protested  XXXX   XXXX  's locking of the rates without clear instructions to  XXXX  and  XXXX  but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor.     I specifically told Navy Federal Credit Union I would not pay for  XXXX  's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to  bully  me to accept their higher terms. Furthermore, the  Credit Union  refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about  XXXX   XXXX    XXXX   when they had already published the letter.     Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (TX)

Checkr Background Services performed a Background check on me with inaccurate information, they also provided information that was beyond the time allowed in their search, causing lost of employment and hardships. I would like to proceed with filing a lawsuit against this company for negligent reporting of said background. I will be needing guidance and advice on proceeding in this process.