davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

On XX/XX/XXXX, I filed two complaints with CFPB, one against Ditech Financial, and the other against XXXX XXXX, the mortgage company Ditech transferred my loan to. 

In that XX/XX/XXXX complaint against Ditech, I supplied the mortgage payment history from my bank to Ditech including all months after I had been approved for a Modification ad brought current. 

Ditech responded XX/XX/XXXX with their record of my payment history ( Attachment A ) Unfortunately Ditech 's record is incorrect. In their payment history, they have missed a payment made in te first month of my becoming Current. That payment was made XX/XX/XXXX. By missing this payment, Ditech 's payment history is off one month from it's inception. 

I am resubmitting the payment history with the request that Ditech correct their records, nd report the error to XXXX so that their records can also be corrected
Consumer complaint received 2020-05-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA REVERSES MERCHANTS CREDITS. see attatched XXXX card XXXX  statement XXXX MERCHANT CREDIT XXXX XXXX  ** THREE MONTHS LATER REVERSED see attatched XX/XX/XXXX card end XXXX   statement XXXX XXXX (SECURITY ADJUSTMENT OF) CREDIT REVERSAL XXXX ** NEW PURCHASE I DID * NOT AUTHORIZE. USAA STEALS MERCHANTS CREDITS. ONLY ONE CREDIT CAN APPLY** THE MERCHANTS THEN IS REVERSED.  IT IS THE ONLY CREDIT APPLIED. (FUNNY WHEN I DISCUSS THIS WITH USAA FRAUD DEPARTMENT WE HAVE TECHNICAL DIFFICULTIES OR I AM HUNG UP ON. USAA STEALS   MERCHANTS CREDITS.)
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (PA)

First, before my situation started I tried to get my email on file changed because I noticed it was not the address I signed up with. A week later it was still not resolved and my account was overdrawn bare twice. Instead of changing my account particulars and issuing me a new card I have to wait till some secretive department feels like responding through email. Normal banks usually get it all done with one phone call. More than {$1500.00} has been taken from my account and all the transactions happened overseas. Usually, transactions that far away from the card holders zip code are denied. These went through and left me with a low account balance. I have called these people a number of times and after a grueling verification process my concerns are still met with nonchalant passing of the buck to a department I have no communication with. Also I've been hung up on numerous time. This is no accident. I could see if I was unpleasant I'm just adamant in getting this situation resolved. I also gave them a police report code from the local department. XXXX XXXX XXXX. I need to be given a new virtual card and my account unfrozen. This bank and it's customer service department are a complete failure.I would appreciate if you can do anything on your end to get this situation resolved. I can not pay bills, buy gas, purchase food until this is rectified. Thank you in advance for your initiative regarding this situation. 

Here are the Dispute ID # : XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX
Consumer complaint received 2023-04-13
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. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-15
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. (MD)

According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. I am requesting a XXXX ( Cancellation of XXXX ) from the below charged-off accounts. Please send the XXXX form. 

XXXX - Account number XXXX Amount {$2600.00} XXXX - Account number XXXX Amount {$4400.00}
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX American Express called asking for someone that is NOT ME to collect a debt. I told them they have the wrong information and hung up. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 I called American Express using the number they called from XXXX, I informed them again that they have the wrong phone number and person listed and I have not had any contact or connection with the person they are asking about in years. They said that we would need to contact the person because they listed our phone number a year and a half ago. I told them that I have no connection to them and they need to stop harassing me for a debt that does not belong to me. I am a loyal customer of American Express myself, and I am very upset that they are continuing to harass me when I pay off my balance every month, so they need to remove my # from this other person 's account. Also told him that it is fraud and illegal for them to take down my information and place it on another person 's account in the first place! The person on the phone told me there was nothing he could do and hung up on me.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (WA)

I noticed a collection on my credit report for {$13000.00}. This is NOT my debt, and they are lowering my credit score by claiming that it is. I was recently turned down on an application for a new credit card because of this. I believe this is a debt of my XXXX XXXX XXXX mother and I own the house she lives in. In addition my name is very similar to her ( now deceased ) husband. These factors may have contributed to the collection company claiming it is my debt.
Consumer complaint received 2024-04-20
Product: Credit reporting 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. (DC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On Thursday, XX/XX/XXXX, I submitted a check for {$3300.00} through mobile deposit. The check was recieved from a law firm as a settlement for a motor vehicle accident I was injured from the year prior. I was informed that my check was flagged via email and would have a hold placed on my account. On friday XX/XX/XXXX, I woke up to my account at about XXXX. I was also supposed to get my weekly paycheck that day which I never recieved. I've been calling chase trying to get my paycheck to no avail. Now I have bills due that I can not pay because Chase decided they own the money I work for. I've contacted many individuals to no assistance, one lady attempted to verify the XXXX check however the call got disconnected while I was at work. Another man verified my paycheck that I've been getting every week for more than 6 months and told me I would have my paycheck by the end of the day but that was not true. I called one last time on Saturday, XX/XX/XXXX and was informed that because my account was restricted by a legitimate check, that they would return my paycheck to my employer. As of Monday XX/XX/XXXX I still have not recieved my paycheck and Chase continues to restrict my account, causing my bills to become overdue due to them preventing me from using the money I worked for.
Consumer complaint received 2023-06-07
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-11
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (TX)

I hereby declare that the accounts referenced herein were opened fraudulently and without my authorization or consent. Such unauthorized activity constitutes a clear violation of my consumer rights and a breach of trust that I do not take lightly. I demand that these alleged accounts be immediately removed from my consumer report, and that appropriate measures be taken to investigate and hold accountable those responsible for perpetrating this fraud. I have already reported this matter to the XXXX XXXX XXXX and the Texas State Attorney General, and will pursue all available legal remedies to protect my interests and hold those responsible accountable.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (FL)

On XX/XX/XXXX VALON mortgage paid {$5100.00} to XXXX XXXX tax to the wrong account. They paid parcel unit XXXX, my unit is XXXX out of my escrow account. 
On XX/XX/XXXX VALON paid {$5100.00} to XXXX XXXX tax again out of my escrow account to my unit XXXX. This caused a negative escrow balance of {$4900.00}. They transferred my loan to fifth third bank on XX/XX/XXXX with the negative escrow balance. 
I am selling my house and close on XX/XX/XXXX. The payoff statement from fifth third includes payoff if the negative escrow account. 
XXXX XXXX said they are refunding VALON the erroneous payment.

VALON informed me that they will not reimburse me for the duplicate tax payment deducted from my escrow account. They have now said that I have to get the money from fifth third who were not the ones that paid the taxes to the wrong account and who will not receiving the refund check. I have also been told by VALON that they do not service my account any longer and do not hold any records of my account once loan has been transferred. I am now left with no help and out {$5100.00}. 
Please help me to get my money back for an error that the bank made. I am left with no help and no answers.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Back in XXXX, I opened a Cd with BANK OF THE WEST,, so I had to open a checking account wich I put in XXXX dollars, but never told me it had to be XXXX To make a long storie short they would minus XXXX and put it back in my chk account, so I the end of XXXX my CD matures so, I transferred my cd to XXXX XXXX, and again had to open a ck account wich they told me I had to leave XXXX in there so, of course I did So BANK OF THE WEST had put some of my interest money in the checking account, wich overXXXX, so I was never informed by mail nor email that I had to had moneys,,,, so couple of weeks ago got a letter from BANK OF THE WEST to see if I was still around, so I send it back with my signature and dated it,, so out of my curiosity went online to ck it out so out over XXXX there was only XXXX left in there, that should of notify me that I needed XXXX in the ck account,, otherwise I would of closed if, who wants to give there money away I, m a Siniore citizen,,, I dont want or give me money away so I should of beened contacted right away,,, But I they send me notifications when they took all my interest money
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Remove late payments
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

In accordance with the fair credit reporting act, this creditor, ALLY FINANCIAL has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Consumer complaint received 2020-07-29
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX their was charged made for {$710.00} and some cents. This charge was made from my visa CHASE debt card. I disputed the above charge around the end of XXXX XXXX due to having a large amount of money in my account I didn't notice the above amount was taken out from my account. ) The money was giving back into my account Around XX/XX/XXXX with a new card ; then i went to retrieve my money the middle of XXXX and that I had negative - {$590.00} which Chase had not correct or contact me about resolving this dispute about a purchase made without my permission.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 2024-05-29
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (FL)

Formal Complaint Regarding Predatory Lending Practices by Navient dear Sir/Madam, I am writing to file a formal complaint against Navient, the loan servicer, regarding predatory lending practices associated with my private student loans. 
Despite the closure of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to numerous violations, and the subsequent approval of borrower defense to repayment for my federal loans, Navient persists in aggressively pursuing repayment of my private loans obtained for the same institution. 
During my enrollment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I was subjected to egregious instances of predatory behavior and misrepresentations by Navient. These practices included : Coercion and Duress : Navient representatives, acting on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX coerced me into signing loan documents under duress, I was forcibly removed from class and escorted to the office of a financial aid representative who was working with Navient the servicer of these loans who went by the first name XXXX Upon arrival, I was presented with loan documents and threatened with severe consequences, including expulsion from class and eviction from the dormitory, if I did not sign the documents immediately. Given that I resided in the dormitory at the time and my permanent home was in XXXX, New York, I faced significant hardship and felt compelled to sign the documents to avoid potential homelessness. 
Lack of Transparency : Throughout my time at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Navient failed to provide clear explanations of interest rates, loan structures, and repayment options, leaving me uninformed and vulnerable to financial exploitation.These predatory lending practices by Navient have had severe consequences for me and countless other borrowers. The closure of the institution and the subsequent approval of borrower defense to repayment for my federal loans underscore the severity of these violations that occurred
Consumer complaint received 2024-05-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC (MI)

VA failed to pay me the summer of XXXX while I was in school, applied for forbearance and was approved, was told the amount late and due during forbearance would be pushed to the back end of the loan. When the forbearance was over they wanted the full amount of $ XXXX, all the fees, late payments, and payments during forbearance. Since I couldn't do that I had to apply for a different mortgage assistance and loan modification was the one I was approved for and told they would either write the loan to be more each month or it would be sent to the back end of the loan. They refused to talked to my VA loan technician even though the VA is the mortgage loan holder, and gave me documents to have notorized XX/XX/XXXX that were due by XX/XX/XXXX when it was impossible to have anyone on holiday answer with no extension. The document wasn't a modification, it was starting over my mortgage with a more than double XXXX and {$1000.00} higher payment a month. My VA loan technician told me to sign it since they wouldn't talk to him. I was completely XXXX sided by every person I asked questions with at Planet Home Lending and they lied each time, when I told managers or supervisors that's not what I had been told I recieved a sorry and no action. My state representative informed me to file a complaint with this organization hoping to solve the issue.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (DC)

I have a discovery credit card.. 
My card have been closed since XXXX just found out today XX/XX/XXXX. 

I have been calling.. instant messaging, request passwords, calling them on the phone to ask questions I even called to check an told them I would be late... 

The never said nothing, they said nothing, nothing that may account is closed..all this time I have been calling and rest my password I even update my email number a few months ago they said nothing, they said nothing ... my account is closed an that effects my credit..this not right..
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TRANS UNION REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.