davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

We are a Family living in XXXX Florida, Me, my Husband and XXXX teenagers daughters, I work for the XXXX XXXX XXXX, and my Husband is an XXXX, last year we had the impact of one of the most destructive Hurricanes from the past 20 years and under federal disposition all mortgages together with credit companies agreed to help the Florida residents holding payments for 2 or 3 months and putting those payments at the end of the mortgage life that was the agreement with US Bank our Mortgage lender, we verified before accept the help that the credit will no be affected and the monthly payment keep as before, after the first month without payment all statement came with all late payments fee, plus threatens of foreclosures, and our credit was seriously affected, we called several times, and their response always was that the system generated those warnings automatically but everything was under control and they will do a modification without affecting the current monthly payments in XX/XX/XXXX the first month after the 3 month hurricane help, well in XX/XX/XXXX our nightmare began, the modification last 3 months now we have to pay in full in 6 moths the 3 months of hurricane help that should be placed at the end of the mortgage life, then our first payment as soon as in XX/XX/XXXX jump from XXXX to XXXX for the next 6 months that include the month after Hurricane XXXX XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX plus the late fees ( XXXX ) that they agreed not to charge resulting in a total of XXXX, far from a hurricane help this is an abusive and coercive method of removing our home after 14 years of loyal costumers always paying on time it makes sense the housing market value is around {$330.00} and our debt is XXXX and we already paid in 14 years to US Bank XXXX, maybe more and our first preconstruction sale was XXXX. We are a mid-class family my oldest daughter is getting to the university, and the youngest in XXXX XXXX. We are very frustrated with this situation because of looks like if we do not have any rights and the banks have you as a prisoner due to the debt. This Institution is our last resource we beg you for help. We have no choice, no options as the US Bank repayment plan agreement says dated on XX/XX/XXXX, anything else means Foreclosure. Thank you for being there to give us some Hope.
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

I don't recall having a contractual relationship with this collection company BerlinWheeler , Inc.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

I have a Verizon visa card issued by Synchrony bank. Synchrony recently notified me that it will start charging me a fee to mail me a paper statement and the only way to receive my statement at no charge is electronically. I do not have an email address to which I have regular access and I am at risk of missing my bill payments because of this. I want to continue receiving my bill in paper. How can Synchrony charge to send me a bill?
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (SC)

I am writing to file a formal complaint regarding a collection account labeled WELLS FARGO DEALER SVC account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my XXXX XXXX. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MD)

Dear Comenity Bank/VICSCRT, I am writing in response to your correspondence dated XX/XX/2024, regarding the charged-off account associated with my name. After careful review of your response, I am compelled to address several concerning issues regarding the handling of this account and its impact on my consumer rights. 

In your response, it was acknowledged that the account in question was charged off, indicating that the debt was considered written off. According to IRS regulations, any charge off is treated as canceled or forgiven debt, which in turn, is considered as income. This action raises two significant violations under the guidelines of all three Credit Reporting Agencies ( CRAs ) : firstly, income is not to be reported on any consumer report, and secondly, a charge off indicates canceled or forgiven debt, which should not be reported if there is no outstanding balance. 

Furthermore, your response indicated that this charged-off account was sold, which further compounds the violations of my consumer rights. If the debt is indeed canceled, as indicated by its charged-off status, how is it permissible to be sold to another entity? This raises serious questions regarding the legality and ethicality of the actions taken by Comenity Bank/VICSCRT . 

As these violations are federally regulated, I demand that this charged-off account be immediately deleted from my consumer report. This will be my final demand before pursuing legal action against Comenity Bank/VICSCRT and the three CRAs for their complicity in violating federal law, specifically 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Had this requirement been met, it would have been evident that income is not to be reported on consumer reports, as stated on all three CRAs ' websites and guidelines. 

I urge Comenity Bank/VICSCRT to rectify this matter promptly and in accordance with the law. Failure to comply will result in legal action to ensure that my consumer rights are upheld and that justice is served. 

I expect a timely response acknowledging receipt of this letter and confirming your commitment to resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC (AZ)

I had my mortgage servicing with XXXX and did have auto payment set up for first of every morning month. Today I logged in to realize that they sold loan already and latest payment from XXXX XXXX XXXX is still due. 

Both XXXX  and new service provider never informed me about transfer in writing so far. I was able to make XX/XX/XXXX payment with new servicer XXXX Mortgage with a phone number I got. Still don't have enough information to set up my online account with new servicer. 

Both providers are completely irresponsible with no communication at all.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NC)

As or about XX/XX/XXXX someone opened a credit card in my name with the company XXXX XXXX amount dont know As or about someone opened a account in my name XX/XX/XXXX with a company called Acima Digital FkA Simp amount I dont know
Consumer complaint received 2024-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I called PennyMac on XX/XX/2024, after having re-read the documents and noticed that they ( PennyMac ) qualified me for a Modification based on what they felt was best for me, without asking or telling me about other options that could possibly benefit me. 

This is not the first time this has happened to me, but on several occasions this has happened. Previous to now, it happened with the HAMP Modification and them telling me I did not qualify for that program based on something I can not remember right now. 

So, when I called and began to speak with the Point-of-Contact ( POC ), XXXX, she wanted to continue to talk about the current Modification that I did qualify and on several occasions, I had to stop her and tell her, that is not the question that I am asking, I want to know what is/are the guidelines as to why I wasnt even considered for the other program. 

She became annoyed and irate and asked me to hold on so that she could speak to the Underwriter. Upon her return to the phone, again she began talking about the current problem they ( PennyMac ) qualified me for. Again, I said to XXXX, I am not interested in the current program that I am in, it is the other program in which they stated, Since you qualified for the most beneficial program offered, it was not necessary to see if you qualified for this program. 

It is unfair that there could be a possibility that my mortgage payment could be lower than it possibly is with this modification, because right now, it is astronomical. 

Unfortunately, I never received an answer to my inquiry and a few moments before I was going to just disconnect the call, I received a distress call from my husband who had taken ill and my XXXX old was calling me to let me know Daddy was XXXX trouble. It was at this time, I told the Rep, I would try to call back later. 

My husband was just released from the XXXX last Friday, XX/XX/2024, and since my mother has taken ill and I have been taking care of her and she fell this morning, but praise God she is alright so far.
Consumer complaint received 2024-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I need pennymac to buy me my identical insurance line by line and word by world to show me the coverages, liability just like I have for XXXX and I have with XXXX. 

See the description of personal liability with XXXX for instance it covers also this type of problems.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MS)

I received an insurance check for XXXX XXXX to my roof on XXXX of this year 2024, approximately XX/XX/XXXX. I called Mr. Cooper to endorse my check. They stated I needed to wait 5 business days. On XX/XX/XXXX, I submitted the check for endorsement after receiving a call from them with instructions on mailing the check to them. It is now XX/XX/XXXX and I have not received the check back. They stated to me after calling 3 times on different days that the check was mailed on XX/XX/year>. They are unprofessional and have been delaying this process for no reason. The check is in the amount of $ XXXX and I have paid the contractor for repairs. This company should not be in business and I did not choose them to be my loan servicer. My previous Loan was with XXXX and they are XXXX times more professional and provide customer service. Mr. Cooper should be out of business.
Consumer complaint received 2023-07-03
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXXXXBalance : {$2100.00} ; XXXX XXXX Bankruptcy : Discharged Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Balance : {$140.00}.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2024, an amount of {$800.00} was sent to an unauthorized individual. In addition, {$1.00} to the same individual was sent as well. Also, on XX/XX/XXXX, there was an additional amount of {$150.00} sent to the same individual mentioned as well. I thoroughly explained that I was not the individual who sent this money and I had to change my login and password credentials to my savings account due to the speculations that someone had compromised my savings account ending in XXXX. I have been communicating with the Wells Fargo and XXXX claims department in regard to this matter. The initial claim was filed XX/XX/2024 and a denial decision was made XX/XX/XXXX by the investigator. During this time, I had to call to check the status of the claim as I was not informed of the steps taken or the reasoning behind the final decision to deny this claim. On XX/XX/XXXX, I faxed over the required documents over to the claim department which consisted of a statement and a police report regarding fraud and identity theft. On XX/XX/XXXX, a decision was made that they would not be refunding my money back from transactions that I had no recollection of. On XX/XX/XXXX, I called once again to follow up on the status of the investigation and the decision to reopen the case as there was never a thorough investigation conducted in this matter.
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

XXXX XXXX XXXX XXXX XXXX  keeps selling out this debt that was paid, its for XXXX for a water bill that was at a home on XXXXXXXX XXXX XXXX XXXXXXXX XXXX that I never lived at, they held my state income tax and my rebate check for the debt and it's paid and they still have this on my credit report as owing and I do not owe this debt. They need to remove this immediately off my credit reports and stop trying to collect a debt that has been long paid off
Consumer complaint received 2024-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX ( finance ) XX/XX/ XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 2023
Consumer complaint received 2023-06-23
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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: Credence Resource Management, LLC (NV)

I have been disputing XXXX XXXX for years now. XXXX has sold this account to other companies and I am upset about the account being sold around and each time I have to dispute it with you all. For the last time this account does not belong to me and is not mines
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (VA)

I am writing to file a formal complaint regarding a collection account labeled SELF FINANCIAL/LEAD BANK Account Number : XXXX AND SELF FINANCIAL/LEAD BANK Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-12-17
Product: Credit 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: CITIBANK, N.A. (OH)

My statement showed on XX/XX/23 My card was charged by XXXX XXXX XXXX XXXX XXXX. For {$490.00} And XXXX XXXX XXXX XXXX XXXX For {$860.00} XXXX XXXX My card was charged XXXX XXXX XXXX. For {$420.00} There were similar charges for less money that they took off, but the more expensive charges they kept on. 
I never lost possession of my card. I've never been to XXXX or XXXX They those charges off, then put them back on, months later without explanation.
Consumer complaint received 2024-05-22
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: CLGF Holdco 1, LLC (KY)

I received emails this morning from XXXX asking if I just applied for credit. I logged into my XXXX account and saw that on XX/XX/2024 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 Tried to open accounts in my name, but my credit reports for XXXX and XXXX are locked. 
I called the company at the XXXX number and the person I spoke with said they are a debt collector. I have no account in collections. When I asked why they tried to open accounts I was asked for the DoB and last four of my SSN which I did not provide for obvious reasons. I don't know who these people are. The rep said it is Concord Credit. No idea who that is and I have NOT opened any new accounts in 2024. 

Someone with the email address of XXXX also logged into my XXXX XXXX account and changed my email address so I have to contact XXXX and prove I was the account holder, which I did and they deactivated my XXXX XXXX account at my request. Since all the emails from XXXX and XXXX XXXX came in within minutes of each other, I would guess that these two events are related.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

The LVNV Funding, LLC Company is reporting the amount of {$1800.00} on XX/XX/2024 was bought to collections, in which the original creditor XXXX XXXXXXXX XXXX has written off the debt. According to : 15 U.S. Code 1681s-2- Responsibilities of furnishes of information to consumer reporting agencies a. Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition A. Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something I ask of you to have THIS ACCOUNT DELETED FROM MY CONSUMER REPORTS within 10 Calendar Days! Thank You!