davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

The lender has failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). The lender was provided the missing docs stated in a phone call to them on    XX/XX/2017    and has yet to postpone the sale date set for  XX/XX/17    - this package should have been deemed complete on or by  X/X/17    -
Consumer complaint received 2023-05-02
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. (OH)

I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with XXXX XXXX XXXX
Consumer complaint received 2021-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of the XXXX Data breach and my social security number has been compromised. I am a victim of Identity theft. I have an abundance in fraudulent accounts on my credit report that are holding me back in life. I have filed an Identity theft report and have accompanied all my other documents such as my Identity and Bill as proof. Please help me! Credit is essential for life in the United States and I'm unable to move on with my life due to people opening accounts in my name.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (SD)

I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (TN)

On XX/XX/2020, I moved out of my apartment at XXXX XXXX, owned by XXXXXXXX XXXX XXXX. They alleged that I had caused excessive damage to the walls and carpet and that I should owe {$500.00}. They failed to provide notice of my ability to be present during the inspection and when that inspection would be able to be scheduled as outline in TN Code 66-28-301. I simply received an email with pictures allegedly taken of my apartment after inquiring about the debt. The lady I emailed said she had no pictures of the carpet so she would remove the {$200.00} posted for that and I would only owe {$300.00} for paint. First, the pictures provided appear to be of a dark coloring on the wall that could be black mold they are trying to pass onto me. Secondly, the alleged damage is a superficial discoloration of the walls. Even if this is not black mold, this is certainly not damage resulting from my neglect or abuse. The email claims for this damage to be caused by " bed head '' is from " oils off your head, sheets hitting the walls, wet hair all kinds of thing. '' The first picture shows an area right next to the floor of the unit, nowhere near where my bed was positioned in my room, so oils from my head, sheets, and wet hair couldn't have been a possibility. 

I tried explaining this to the staff and in XX/XX/2020, but they were unrelenting and have pursued a collections debt against me by BYL COLLECTION SERVICES for the fraudulent {$300.00} charge. 

I have attached the photos of the collections debt I have on my credit report, photos I received of the alleged unit claimed to be mine, and of other 's photos of black mold to show the comparison.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

I received a bill from Synchrony bank for my Amazon.com store card in XXXX. I paid the amount due, I saw later the bill was received 2 days after the due date ( around XX/XX/XXXX ). I contacted Synchrony, using their automated system, it said I would be refunded the late fee of XXXX ( my total balance on the card was XXXX which was paid on XX/XX/XXXX ). I received another bill in early XXXX saying that I owed {$110.00}, including a {$38.00} late fee. When I contact Synchrony they said I had a missed payment of {$38.00}, since the {$14.00} was not enough to cover the XXXX plus the XXXX late fee ; even though the XXXX late was refunded. The balance that was supposed to be paid was apparently {$38.00}, which incurred a {$38.00} late fee. When I called and inquired about the late fees and the balances owed, they said I missed the payment that was due after the first payment in XXXX and that was the reason for the second late fee. Even though I never received a second bill, and the initial late fee charge was waived. Over the phone they told me there was nothing they could do, and the second 100 % late fee would be charged.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, a loan modification agreement with XXXX XXXXXXXX XXXX became permanent following a trial period of 3 months. An escrow analysis in the loan modification agreement set the escrow portion of the payment was set at {$680.00} and the principal and interest payment at {$1500.00} making the total monthly payment to be {$2200.00}. ( See attachment 1 Loan Modification Agreement ). 

When Mr. Copper took over the servicing rights, the escrow portion of the payment was set at {$1000.00} resulting into a total monthly payment of {$2600.00}. ( See Attachment XXXX XXXX XXXX XXXX XXXX XXXX IRS Form XXXX ). No escrow analysis was performed. The {$370.00} difference between the loan modification required monthly payment and the payment set by Mr. Cooper accumulated over a period of 42 months and that amount is included in the alleged delinquent amount Mr. Cooper is demanding to avoid foreclosure. 

Secondly, my account was not credited for the XX/XX/XXXX payment and that amount, which I have already paid, is included in the alleged delinquent amount. Mr. Cooper sent out a Notice of Assignment, Sale or Transfer of Servicing Rights and instructed me to send the XX/XX/XXXX payment to XXXX XXXX  XXXX. Mr. Cooper knew that the check was received and cashed, however, my account was not credited. ( See Attachment XXXX XX/XX/XXXX Cancelled Check and Attachment 5 Notice of Assignment, Sale or Transfer of Servicing Rights ). 

Mr. Cooper did not issue annual escrow estimate statements and monthly mortgage statements between XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper arbitrarily set escrow payment amounts and those amounts are included in the alleged delinquent amount. I did not waive my rights to receive annual escrow and monthly mortgage statements. 

Mr. Cooper erroneously coded my account as being in active bankruptcy from XX/XX/XXXX until XX/XX/XXXX and made its servicing decisions as though I was in bankruptcy. ( See attachment 6 - Mr. Coopers default letter and attachment 7 account audit report ) The XX/XX/XXXX mortgage statement shows that {$6900.00} was added to the amount due without a valid legal explanation. ( See attachment XXXX ). 

Mr. Cooper has received a monthly mortgage payment from XX/XX/XXXX up to XX/XX/XXXX. Mr. Cooper is not cashing the mortgage checks and instead late fees and inspection charges are being added to my loan. Mr. Cooper has failed to fulfill its obligations and has not deposited money in the escrow impounds account. Escrow advances have been added to the alleged delinquent amount.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

Back in XX/XX/2022, They kept pulling money from my account when there were no funds. And this kept occurring at least once or twice throughout the months I had my checking account through them until I voluntarily closed my accounts. I still had to pay money to cover the negative balances, after they had taken some of the transactions off. Called them on several occasions and told them I did not authorize for payments to be taken out when there were no funds in account. At XXXX time, I was over {$600.00} in the negative because I got a paycheck from my employer. The funds went into the account, things were pulled as normal, but then they withdrew my paycheck which caused the balance to be - {$600.00} dollars in my checking. When I called customer service from my employer, they told me it was on Wells Fargo and that they REJECTED my pay from going through. When calling Wells Fargo customer service, they told me I never received my pay from them and that my employer was the one who withdrew the pay due to Wells Fargo not confirming I was an account holder. After checking my account numbers with my employers, all of my information was correct. When receiving my paycheck the second time after they had rejected my pay from going through, it left me with a XXXX balance.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MO)

My grown son, XXXX XXXX, opened an account with XXXX XXXX. He was estranged from us ( I am his dad ) and he passed away of a drug overdose on XX/XX/2023. A representative contacted me a couple of months back asking for XXXX to recover the amount of {$120.00}. I informed the rep of his death and she said not to concern myself with the debt, and that XXXX would cancel the debt. Then we got a letter for collection from Diversified Adjustment Service in XXXX, MN. The representative there said to contact your bureau and to submit his death certificate. It is attached with the letter that Diversified Adjustment Service sent to us. We are not liable for this debt as XXXX was out of our home, homeless and addicted to drugs when he opened an account with XXXX. Please reference the attached documents for further action.
Consumer complaint received 2021-03-21
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.
Consumer complaint received 2023-05-02
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX 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 : XXXXXXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account XXXX : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 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. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-20
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. (CA)

My XXXX XXXX XXXX XXXX was stolen in late XXXX. XXXX was made aware of this and given copies of the police report and the insurance company 's contact information. The vehicle was eventually recovered in XXXX of XXXX, however XXXX had already marked the account as a total loss and therefore cut off access to my account online and they refused to take payments over the phone. XXXX still is reporting the payments from XXXX to XXXX as being late. From XX/XX/XXXX until XXXX of XXXX the account is marked as no info as that is the period when XXXX had closed the account. 

During that time period I attempted to contact and pay these payments on numerous occasions yet no one at XXXX would assist me other than to say the account was closed. I even filed a XXXX XXXX XXXX complaint and XXXX replied to that by saying the account was closed. XXXX advised me to contact their insurance company who had a non-working email address and a phone number that had a message saying to try back later every time I called it. 

Then without informing me, but likely due to the sheer volume of phone calls and letters I had sent to XXXX, they re-opened the account and the payments from XXXX through XXXX are now marked as delinquent. 

In XX/XX/XXXX the vehicle was again stolen and in XXXX of XXXX, according to Transunion, the XXXX account was again closed. In XXXX of XXXX I finally was able to reach someone at XXXX in their internal collections department who agreed to accept payments. I have paid XXXX over {$20000.00} in the past two weeks to bring the account current. And fortunately the vehicle was again recovered by the police. However when I requested an extension or forbearance on payments I was told to make one more monthly payment and they would make a compromise with me. I made one more payment as requested and then they refused to make any offer and blamed me for the payments being late while they simultaneously admitted that they had closed the account previously and would not ave accepted any payments. 

I have attached documentation verifying all of the above information including XXXX response to the XXXX complaint that states I owed {$1100.00} ( one payment ), yet according the reports XXXX reported XXXX late/missing payments up to that time. Included in the documentation is an email returned to me showing the XXXX XXXX email address did not work and a letter I sent to XXXX after the XXXX  complaint in an effort to bring the account current.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!
Consumer complaint received 2021-03-20
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. (TX)

I have disputed XXXX XXXX charge off on my Experian report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of experian. We have disputed this charge off for years and there is misrepresentation by XXXX XXXX and XXXX. We placed a fraud alert right away when we noticed charges and experien and XXXX XXXX are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not experian. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (FL)

on XX/XX/XXXX at XXXX XXXX EST I returned a new unopened item at the XXXX store in XXXX XXXX Florida the return was uneventful with original receipt merchant issued credit and gave me a receipt verifying the same bluebird card bt American express is still holding my refund claiming they would credit the account yesterday XX/XX/XXXX XXXX calendar days they have not given me my money i called them 2 times they blame XXXX XXXX is not to blame and released the finds for the credit on the day of the original return XX/XX/XXXX bluebird is playing games with the law here
Consumer complaint received 2019-08-01
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. (TX)

Equifax; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  – partial account number XXXX.  (Please see pages 12 and 13 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

Hi. My name is XXXX XXXX. I have had my Amex for over a year. I am reaching out because I submitted a request for a credit limit increase. Everytime I want to apply for a new card or increase, I have to submit a complaint because when I do it online or call it, it isn't done and someone from the executive team always has to reach out to me. I am just wanting a credit limit increase. That is all.