davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (IN)

XX/XX/XXXX it appeared on my credit, I called Deville and they removed it and then it reappeared on my credit report XX/XX/XXXX I called again and they would not remove it unless I payed! I paid {$600.00} on XX/XX/XXXX and they removed it however the original loan was XXXX whom was sued and lost and the loans were not legal nor should they have been collected on! The company Deville is aware but they said to bad!
Consumer complaint received 2020-04-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (CA)

FAY SERVICING and assignee 's XXXX XXXX, modify my mortgage loan as an repayment in XXXX with no late charges, Corporate charges or other charges. They have generated {$1800.00} of these charges against my mortgage loan. As of XX/XX/XXXX Fay Servicing and XXXX XXXX sent me a letter stating : NOTICE OF DEFAULT AND INTENT TO ACCELERATE { Foreclosure } if {$15000.00} is not paid by XX/XX/XXXX amount includes {$1800.00}. Fay Servicing has posted XXXX from XX/XX/XXXX up to date. They continue to cause me an Financial Hardship to foreclose on my home. 

The Deadly Coronavirus ongoing since XX/XX/XXXX is also a result of my financial hardship. 

I have request multiple times in writing to Fay Servicing mortgage options, only a default notice in return.
Consumer complaint received 2023-05-05
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

I had a Care Credit Card for my pet. She had a major emergency and was rushed to the Emergency Room, years ago. At the time, I was in between jobs, young and scared. I didn't know much about credit or interest and payments. The vet suggested the card to pay for the ridiculous costing medical bill. The interest rates took me by surprise and I could not keep up with payments. Please, understand that I am trying to regain control of my credit from what seems like I was drowning. I am trying to make amends and move forward positively. I have not been able to find much stability over the past few years and would like a chance to begin a new. Currently, I am looking for work and am currently in financial hardship with the hopes of becoming proactive about taking care of this to get me in a better position with my credit.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (CA)

On XX/XX/XXXX I transferred {$1800.00} USD to a recipient in XXXX using WorldRemit. I immediately received a message that the funds had been paid. After about a week the recipient said they still had not received the money. On XX/XX/XXXX I provided WorldRemit with a bank statement showing that the money had not been received. I have contacted them every day or 2 since then asking for it to be resolved. They keep stating that they are waiting for a reply from the local agent and have marked it as urgent. It has now been 6 weeks and the money has not be delivered and WorldRemit has not replied to my queries or following through on their actions for 5 days.
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

The mortgage was modified. In order to get the modification done properly, my attorney and I had to enlist CFPB assistance. 

I made all of the trial payments correctly. The modification was properly executed in XX/XX/2019. I have made all post-modification payments PRIOR to the due dates, but as of today, the three bureaus show that I have NOT made the trial payments and that I am STILL delinquent on the loan. This is highly damaging to my credit, which is doubly harmful because this modification was rendered necessary by an employer unlawfully terminating me and the time it took to acquire a new job.
Consumer complaint received 2020-03-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a saving account with BOA since late XXXX and minimum deposit was {$300.00} to avoid any low balance fee, i have been maintaining that fee since a long time, however BOA charged me late fee of {$8.00} for low balance, i talked to customer service rep on XX/XX/XXXX at XXXX and they were unable to waive the fee They told me that we upgraded your account to Advance saving whose min balance is {$500.00}, i told them i was never notified and BOA told me it was upgraded automatically this year and all the old saving account product was disconnected I tried to explain them that its not my problem, this was an upgrade from your end and you failed to notify me that you upgrading automatically which resulted in fee charge I requested to speak to a supervisor and after waiting 1 hour on line they disconnected the call, i called back but it was like 2 hour wait time
Consumer complaint received 2020-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I initially had all my subsidized student loans through XXXX. I had an automatic payment set up with XXXX so the money was always automatically drawn. I switched to the income based payment plan and student loan forgiveness program. The representative that I was speaking with at XXXX said nothing would change and not to worry about it. I have 3 other companies with student loans paying over a grand each month so I wasn't noticing the XXXX XXXX, for that one and was assuming I was covered after speaking with the representative. That was back in XXXX and now In XXXX, I finished flight school and need to move and refinance my house. My credit is ruined because of this loan I was told not to worry about. I called XXXX and they didn't even have the loan. Fed Loan had the loan and I had no idea who they were. XXXX gave me there info. I didn't see anything from FEDLOAN, as far as them reaching out to me. I saw some things when I searched my spam folder for them. I had to pay XXXX XXXX to become current and it cost me XXXX points on my credit score. It was totally unreasonable and their customer service was total garbage. No way to help me or file a dispute on their website. The only loan I have an issue with is the government one. Their customer support is the worst. I started the automatic payment plan but working with Fed Loan is an absolute disaster and I'm doing what I want to do whatever I have to make this as painless as possible and pay what I need to each month.
Consumer complaint received 2020-04-11
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: CITIBANK, N.A. (FL)

I was charged TWO payments for Homeowners Insurance from XXXX XXXX. 
The policy was from XXXX XX/XX/2020. They cancelled me XXXX. They took 2 payments and the last payment was for {$960.00}. I disputed the charge, the Merchant even told Citibank I only owed {$200.00} of the XXXX and the insurance company FAILED to refund my money and citibank gave them the money anyway and kept the charge on my card
Consumer complaint received 2020-03-28
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. (PA)

Original Creditor XXXX  XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from Trans Union, XXXX  or XXXX.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

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

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

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

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


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 2020-04-11
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. (VA)

Equifax and XXXX  has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

In XXXX of XXXX ( date appears to be XX/XX/XXXX ), my principal balance was increased by {$1700.00} without any notice or explanation. 

I immediately contacted FedLoans ( of PHEAA ) to ask about the reasoning. They were not able to tell me why. After speaking with a supervisor, he told me that because I had switched the due date on my payments from the XXXX to the XXXX of the month ( i.e. paying earlier ), it had technically recalculated my due amount, and that had triggered interest capitalization. I asked them to undo this because I had not missed any payments. In fact, I had been making extra payments and had asked for an earlier due date than previous. They said nothing could be done. 

I filed a report with the Office of Consumer Advocacy from PHEAA. I had been working with a representative who also had difficulty understanding the increase in my balance. According to her, there should not have been a capitalization. She said that she would contact the Dept of Treasury. My last contact with her was on XX/XX/XXXX and the office has no longer responded to my emails or calls since. 

I am attaching my last correspondence with the PHEAA Office of Consumer Advocacy in XX/XX/XXXX, and the two bills that show the difference in the principal amounts.
Consumer complaint received 2020-03-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Sveral months ago XXXX sold my mortgage back to Bank of America. I had previously fought with BOA with an attorney for 2 years unitl they gave the loan to XXXX.XXXX and I resolved the mortgage and a contract was drawn up changing my interest and payments to {$780.00} per month for 40 years and they would pay the taxes. This contract was signed by the VP of XXXX and myself as bonding as it was negotiated between attorney 's. Within 2 months of BOA taking the loan back they started adding fees for taxes, their attorney 's payments and insurance running the monthly mortgage payments over {$1100.00} per month and climbing. They refuse to acknowledge I have home owners insurance and requested to pay the taxes myself. I was never contracted to pay for their attorney 's fees as I paid for my own fighting with them and their repeated lies. Their unlawful demands are now hurting my credit. I owe {$190.00} on a home valued at approximately {$130.00}. And am ordered to pay the bank {$54000.00} cash when I turn XXXX years of age. I have been a XXXX for 32 years and am currently working for XXXX in XXXX, Pa.
Consumer complaint received 2020-03-16
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: CITIBANK, N.A. (MD)

Several charges were made on a card that I do not use for any reason and have not in years. I opened the card simply to enact a cheap balance transfer that was concluded years ago. 

The charges can not have occurred with the card in question as the card resided in a ziplock bag inside a drawer inside my own home. Citi are claiming the charges were made with a physical card which is impossible. Citi issued a new card and advised that I destroy the old card which I did. 

Citi claim that because the card was in my possession and a physical purchase was made that I MUST have been the one who made them. I of course did not and fear that identity theft or a breach at Citi has resulted in someone being able to access my information, or clone my card or some combination thereof.
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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  ( XX/XX/XXXX ) Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX ( XX/XX/XXXX ), Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX ), Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

On XXXX XX/XX/XXXX, my father, XXXX XXXX XXXX, died in XXXX, South Carolina. He had sole ownership of two certificates of deposit with Wells Fargo listing me as his sole payable on death ( POD ) beneficiary, Per Code of Virginia 6.2-614, any POD account may be paid. on request, to any original party to the account. Payment may be made to the POD upon presentation of to the financial institution showing that the POD payee survived all persons named as original payees. 

On XXXX. XX/XX/XXXX. I visited the Wells Fargo branch at XXXX XXXX XXXX XXXX. XXXX. Virginia XXXX. Consistent with the Code of Virginia. I presented a valid death certificate establishing the date of death. copies of the certificates of deposit listing me as the sole POD, and two valid forms of my personal identification. 

Wells Fargo denied my claim because the death certificate listed my Father 's date of birth as XXXX. XX/XX/XXXX instead of the correct date of birth XXXX XX/XX/XXXX. I stated that under the Virginia Code, I legally complied with then legal threshold to close the certificates by establishing that my father was legally deceased and that I was the rightful ; owner of the certificates as the POD beneficiary. 

Wells Fargo caused me consumer harm under the Consumer Financial Protection Act and the Code of Virginia 6.2-614 by unfairly denying my withdrawal request as the rightful owner of the funds I am asking Wells Fargo to comply with Virginia Law and address the consumer financial harm they have caused by sending the proceeds from the certificates to me.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

LexisNexis is reporting that I have an unpaid Tax Lien. I have contacted the IRS, and the states that I have resided in and I HAVE NO UNPAID TAXES OR TAX Liens. I have tried to contact lexis Nexis but they refuse to address or assist me with this issue. They continue to report this false information, even though I have informed them it is inaccurate,. Please help me, this is affecting me in may ways, my credit worthiness is immaculate, but because of this false information, I am being denied credit and other financial services that I need.