davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

Hi! My issue is with PHHMORTG. I was on the XXXX XXXX XXXX XXXX from XXXX, XXXX- XXXX, XXXX due to loss of income. During this time period, I was approved for XXXX and began making partial payments, as well as, some full mortgage payments. 

After my Forbearance Plan ended XXXX XXXX, XXXX returned my payments for XXXX, XXXX and XXXX, XXXX in XXXX! On XX/XX/XXXX XXXX mortgage payments were returned causing me to be behind XXXX ( XXXX ) PAYMENTS!!! 

I was never notified via mail or over the phone when making previous mortgage payments that individual payments would no longer be accepted once the XXXX XXXX ended. 

My XXXX payment was made over the phone and applied towards my XXXX, XXXX mortgage on XX/XX/XXXX which is the day that I received my SSDI. My XXXX payment was made over the phone and applied to my XXXX mortgage on XX/XX/XXXX which is also the day that I received my SSDI. Both payments, each month, were taken out of my bank account. 

Out of ALL of the daily, weekly, and monthly calls from XXXX not XXXX representative EVER alerted me that single/individual payments were no longer going to be accepted after my Hardship program end date. 

With that being said, in XXXX, after I received the XXXX returned mortgage payments, XXXX recommended that I apply for the Mortgage Assistance Program in an effort to obtain a Loan Modification and add my outstanding balance to the end of my loan. 

I submitted the application, along with, my XXXX documents and whatever else they requested. It has been documented that I have been calling PHHMortg ever since XX/XX/XXXX inquiring about the status of my application! Each time my calls have been transferred multiple times as I repeat my concerns only to end up with another wait for a XXXX - day interview appointment with my mortgage specialist case manager. It is now XX/XX/XXXX. I spoke to my PHHMortg Case manger again today and literally cried when she told me the underwriters are still reviewing my application and no decision has been made for a modification. I am now 6 months ( {$6000.00} ) behind. 

She also mentioned today that I can begin making single/individual payments only AFTER I pay the {$6000.00}. I would still be in a position to be considered for a modification. 

I was also informed by my case manager that in a FEW more days, next Wednesday, XX/XX/XXXX that interest and late fees would start accruing to my XXXX and future payments along with negative reporting to the XXXX Credit Bureaus if I do not pay the {$6000.00}. I can only prevent these negatives if I can come up with {$6000.00} by next WEDNESDAY!!!! 


PLEASE HELP!!! I am in desperate need of {$6000.00} mortgage relief assistance. I have been in my home since XXXX, XXXX. I do not want to leave or go into foreclosure. Some how the XXXX XXXX that was designed to HELP has done the opposite.
Consumer complaint received 2021-11-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (CA)

Navient keeps flagging my account as negative when the account shows discharged in Bankruptcy. Also it has been in forbearance and has been in forbearance since Covid XXXX. They need to stop flagging my account as late and messing up my credit.
Consumer complaint received 2021-11-24
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD XXXX )
Consumer complaint received 2023-04-17
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXXBalance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (HI)

I closed my refinance in XXXX this year with Guaranteed Rate. My first payment on the new mortgage was in XXXX which I made in addition to several Principal payments. 
In early XXXX I received notice from Guaranteed Rate that my loan servicing will be transferred to PNC Bank, effective XX/XX/2021. The balance on my mortgage was {$320000.00} in early XXXX. As XXXX neared, I set up on-line access with PNC mortgage and saw that the balance information they had was incorrect. PNC had the mortgage balance at {$320000.00}. 
I called PNC on XX/XX/XXXX and spoke with a servicing person to let them know of the error and also emailed the servicing dept. the same information and documents I had to show the correct balance was {$320000.00}. PNC said they would research and resolve the matter. I waited a week but no word from PNC. I called them back in the second week of XXXX and they said they were still researching. They promised that they would get back to me in a matter of a few days, but I have not heard from them. I checked today on-line and they have not corrected the loan balance. My mortgage payment is coming due for XXXX and I hope this matter would get corrected ASAP.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the XXXX creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

NAVIENT, a servicer for Federal Student Loans, is currently demanding payments, including interest and fees, prior to the XX/XX/2022 expiration of the XXXX emergency relief for federal student loans.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (MI)

I was a customer with XXXX XXXX until XX/XX/XXXX. When I terminated my contract, I asked to pay any remaining balance. After that conversation, I never heard from XXXX XXXX again. Then, on XX/XX/XXXX, I started getting XXXX calls a day every week day from a number my phone identified as spam. After a few days, I picked it up and asked why they kept calling me. They told me they were from AmSher Collections collecting on a XXXX XXXX debt and to give them my credit card number. I told them that I do not give out my credit card number for unspecified charges over the phone and asked them to send me a paper copy of the charges. The representative from AmSher told me they had mailed me a bill that week. She also said she would note in my file my intention to pay when I got the paper copy of the charges. I have never received a bill or anything from them in the mail and they continue to call me XXXX times a day, M-F. I thought this type of harassment was illegal. I have looked online and many have had identical experiences with this company -- constant calls and refusal to send out written correspondence or bills.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has reported inaccurate information, late payments, to all 3 major credit card companies. 

The problem originated with Wells Fargo when they failed to notify me, via email, that on XX/XX/21 they deleted my mortgage auto-payments.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them multiple requests, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXX. OF XXXX XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX}
Consumer complaint received 2022-01-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC (MI)

My loan was transferred from XXXX XXXX XXXX to Fay Servicing. Date of transfer was on XX/XX/21. My account number under XXXX  is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from Fay Servicing shows a Corporate Advance AdjustmenXXXX ( XXXX in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from Fay Servicing. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. XXXX never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.
Consumer complaint received 2018-03-01
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. (PA)

Stolen identity fraud accounts open in my name Open accounts XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account number XXXX Amount XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount unknown
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XX/XX/year> I received an email stating " Your Chime Visa Debit Card has been shipped to you. A bright green envelope should arrive in about XXXX weeks. '' I immediately telephoned the company because I had never heard of Chime and I had a credit freeze in place with all three credit bureaus. The Chime representative asked me for personal information to identify me and then assured me she closed the account and I would get a confirmation email. She instructed me to destroy the card when it arrived. She also told me to put a freeze on my credit with the three credit bureaus ; when I informed her I already had that in place and asked her how Chime could have issued a card despite that, she had no answer. 

I subsequently received an email notification that Chime closed the account per my request. Later I received a second email stating " we regret to inform you that we have made the decision to end our relationship with you at this time. '' THEY did not make that decison. I'm the one that called them to report fraud. They are the ones who enabled that fraud to occur. 

I have since learned that Chime has a program called " XXXX XXXX '' that allows overdraft up to {$200.00}, so right off the bat someone can charge {$200.00} to that debit card without having any funds in the account and without having the physical card in hand ; all that person needs is the card number. This is a ridiculous and irresponsible financial practice that INVITES fraud. 

On the internet I found tons of identical complaints from others. I suspect personal information from past data breaches at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX was used to create the Chime account ; however, Chime obviously failed to execute due diligence in verifying identity, including checking with the credit bureaus for freezes or fraud alerts. 

Chime states " Chime is a financial technology company, not a bank. '' It appears that Chime is not very good at financial technology.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

A few days ago I submitted a complaint about synchrony bank/care credit. Ive been having nothing but problems with this bank. Now I just received a letter stating they are decreasing my credit line. My credit line was originally {$4800.00} now they decreased it to {$1800.00} and the reasons they give for doing this are all untrue. The account is NOT late nor has it ever been late. I have highlighted all the reasons they gave for decreasing the credit line. I am uploading the letter.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (SC)

I have been contacted by phone and letter about debt that isn't mine. The mobile number they called me on is also a number I use as a state government employee. At first they wouldn't tell me what the debt was, and then they named two different family members who do not live with me nor do I support them financially.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I had been doing credit repair for a little over a year and finally got to the point where I was comfortable letting my loan office pull my scores/reports to qualify me for a mortgage assistance program. However, they are unable to obtain Equifax scores because theyre receiving an error message : APPLICANT FILE BLOCKED AT XXXX - XXXX. Since I was made aware of this 2 weeks ago, Ive ncalled Equifax everyday for 2 weeks and spoken with SEVERAL supervisors. Ive read to them the error codes/messages that are clearly listed on my inquiry report, and they all state tat my Equifax file is not locked/blocked and should be accessible. THIS IS NOT TRUE ACCORDING TO WHAT I HAVE IN WRITING. My loan office Is now stating theres nothing they can do on their end to gain access to my files-it needs to be resolved through the credit bureau. However, Equifax credit bureau has just transferred me to several different departments, disconnected my calls, and given me the runaround
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

My name is currently XXXX XXXX. I was able to deposit checks to my chime account registered under XXXX XXXX using the name XXXX XXXX since XXXX or XXXX. I spoke with chime support about a direct deposit thats was not received. The agent informed the check with be in the account later that day. I reached back out to find out there was an issue with my last name due to a name change from marriage. My check was reversed and the 1st agent failed to inform either verification was needed or the check was reversed. When I tried to get more help for a supervisor they declined to explain why there was just now an issue with a name for the deposit under XXXX for the account under XXXX. The supervisor was not able to verify the documents sent as needed on their end and declined to allow my to speak with a manager or any information to file a corporate complaint. The supervisor hung up the line and declined to provide a resolution. Even on the recorded phone line and asked if he felt he resolved my issues he stated no and then when asked how he was going to resolve he declined to respond or provide any further assistance. Chime did not provide details of any documents needed by email until I called the first time and was told to wait. The company also did not provide an applicable time to respond to provide the documents before reversing my paycheck. I did not see any options to file a complaint on their platform nor have my emails been returned to file a complaint directly with chime about the poor customer and inadequate information provided.
Consumer complaint received 2024-10-04
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: JPMORGAN CHASE & CO. (GA)

Made aware of Chase Bank, XXXX XXXX having fraudulent account open under my identification. Company stated that account was under my identification card but not social and could not provide information. However, XXXX XXXX XXXX XXXX XXXX  all have record of derogatory account. Can not open bank account with Chase Bank due to fraudulent account. 

Active fraud alert on all credit reports since XX/XX/year>. No account authorized to be open. 

Updated police report below. Real social security number copy inserted as well.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

This complaint is against Amerisave Mortgage and XXXX XXXX Loan Originator NMLS ID # XXXX Amerisave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, Suites XXXX & XXXX XXXX TX XXXX The purpose of the complaint is to point out deceptive and potentially illegal methods being used by Amerisave Mortgage. Since there a multiple concerns that span a period of 4 months, providing all details will be extensive for this initial complaint. Some of the key points are ; XXXX. Over a period of 120 days, Amerisave changed the XXXX & XXXX approximately XXXX  times. 
XXXX. XXXX XXXX refused to lock the rate, and stalled the application and re-finance process so that Amerisave could charge a higher rate. 
XXXX. On XX/XX/XXXX on a recorded line, I instructed XXXX XXXX not to conduct a hard credit inquiry. This was on a recorded line. Provided my instructions on Saturday XX/XX/2021, XXXX pulled my credit report. 
XXXX. On XX/XX/2021, I was contacted via email by XXXX XXXX ( XXXX ID # XXXX ), who wanted a letter so they could reverse the unauthorized credit pull, even though Amerisave violated FCRA regulations, they would not reverse the inquiry. 
XXXX. In an email of XX/XX/2021 : XXXX XXXX initiated a XXXX application " WITHOUT CONSENT '', XXXX. In an email of XX/XX/2021, XXXX XXXX provided a copy of an Appraisal Report, this appraisal was conducted without my consent. 
XXXX. In an email of XX/XX/2021, XXXX XXXX advised me that Amerisave has declined my application for Re-finance. 

The last date I contacted Amerisave was XX/XX/2021, therefore no application for a re-finance was submitted by me, hence Amerisave under fraudulent means boarded an application and subsequently denied it. 

In my possession I have emails, text messages, and loan estimate documents which can be provided during the investigation process.
Consumer complaint received 2022-01-26
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: CITIBANK, N.A. (FL)

I was scammed on XX/XX/2021 by. Company named XXXX, they were a scam company using saying there were XXXX company. The charge was for XXXX. 

The charge was from XXXX and though i paid on my Citi card. 
As soon as I found out there were a scam company, I called the Citicard When the charge was still pending and requested to cancel the transaction. 

They told me, I can only dispute after it is paid. Once it was paid I sent them all documentation and and disputed it. Now they came back to say I still had to pay it.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit systems had called me around XXXX, to inform me about a debt I had with XXXX,, I communicated with Southwest and told them I had no knowledge of this debt, ,I ask them to mail me proof and I would get back with them to discuss it,, I never received anything in the mail, and a collection was put on my credit for XXXX.. I called and got the info, about this debt, ,they told me I made a payment of {$460.00} on XX/XX/2019. Then the account was suspended on XX/XX/2019... I would like proof, I believed the charges are made up, trying to extort monies, they did not give me chance to communicate with them, ,and if I made a payment of {$460.00} how can service be turned off one month after a payment of {$460.00}, these charges are false, and just trying to destroy my credit, it bought my scores down XXXX  points as a result of this 1 collection, ,an its an unfair practice,