davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Dear EQUIFAX : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 4. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 7. ) XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( 8. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 9. ) XXXX XXXX XXXX XXXX   XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Consumer complaint received 2018-05-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (MO)

XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with countywide that had already been released. We continued to pay Ocwen under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to XXXX also under threat of foreclosure for a brand new loan no one ever gave us. 

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee. 

The only explanation is that the loan started over. - what does this mean? What is this loan?
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I purchased this house in XX/XX/XXXX. After this purchase my mortgage was sold a couple times. I fell behind in XX/XX/XXXX right after having a baby. XXXX to be exact. I received threatening calls and threats of foreclosure. I was told the only way to keep my home was to do a mortgage modification. And additionally pay extra each month to catch the XXXX I was behind. I did that. I paid the money back monthly. I also did the modification which proved to be a huge mistake. I only did it because I was made to feel like I had no other options. This agreement has me paying more in interest then the actual loan amount at payoff. I have reached out to Select Portfolio Servicing for years to fix this. How can you owe over what the loan amount is for payoff in interest. They refused to give me a amortization. My principal balance is XXXX The interest owed is XXXX This is a home I have lived in for 14 years with the purchase price of XXXX This company is predatory. This company takes advantage of families struggling. I was harassed until I agreed to a mortgage modification that I was not given the accurate details on. I am reaching out for assistance on this issue. Select portfolio has offered several more loan modifications that I have refused. I would like to see a investigation into how this company uses threats and tactics to trap homeowners under a sickening amount of interest and penaltys. I do have documentation to back up everything I have written.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Dear EQUIFAX, Please remove the following Employer from my report as it does not belong to me and is being reported in error : Wrong Employer : XXXX XXXX XXXX. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

I have an account with coinbase.due to some technical chargeback issues.I have been locked out of my account since XX/XX/2018.I talked to them o phone a dozen time.but they just say they have escalated my issue.which usually take 4-6 business day or little longer.buf its been 20 days almost.still no one has a clue.i no longer wan na be with this coinbase and want to withdraw all my fund and close the account but they dont even let me do that .says once resolved then only I can access my account to withdraw.but they gon na take few days few weeks few months or a year or forever.loosing my mind.feels like biggest mistake of my life to be in crypto in coinbase
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (PA)

I purchased an XXXX  computer from XXXX XXXX XXXX. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact XXXX who told me it would be resolved in XXXX weeks due to an investigation. After XXXX weeks I was told by XXXX there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my XXXX XXXX by the debt collector TRUE ACCORD, who told me that they have no control over the debt but to do what XXXX tells them to do. This whole process has been a year-long process of false and unfair credit reporting.
Consumer complaint received 2022-05-03
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: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXX XXXX  XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX  of XXXX Bank And XXXX XXXX XXXX Issued XX/XX/XXXX Without My Knowledge As Well
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Citibank phone customer service agents do not seem very well trained in giving accurate information on funds availability with the type of account I have. 

I called in to Citibank phone reps multiple times XX/XX/2023 and XX/XX/2023 to inquire when deposits to my checking and savings account will be available. One representative claimed the funds will be available for the {$110.00} by the end of business day on XX/XX/2023. I confirmed it 3 times with her and she confirmed it 3 times with me. The second representative claimed it will be available after the XXXX. 

I asked about funds availability and why this was such a long deposit hold. I received various responses. 

At this time I do not have proper documentation on funds availability from Citibank. All their funds availability apply to teller and/or branch deposits. 

Further, Citibank did not give paperwork nor indicate they mailed paperwork for fees, deposit info., terms & condition for the account. They simply just allow customers to open the account without knowing important financial information. This specific negligence is harmful to XXXX  customers, such as myself, that are trying to navigate a banking system with no direction ( obviously customer service reps give misinformation to customers ) geared toward XXXX  and wealthy individuals. Citibank is setting up minority customers for failure with their accounts by now providing the information in a timely and clear fashion.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Consumer complaint received 2018-08-01
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: DISCOVER BANK (NY)

I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax continues to report delinquency with XXXX XXXX when none exited. XXXX XXXX  had a system platform update and my account was never transition to the new platform. Therefore, the reporting created by XXXX XXXX was an admin error.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

My chase card account was used fraudulently and it was deleted of my credit report and now its showing charged off witch still affects me. My chase card balance Should not have been sent to collections and charged off when there was fraudulent transactions and activity done with out my permission or my knowledge and I want the chase card bank to clear me from the debt. I should not be held responsible to pay off a account that I did not use. Most transactions were canceled but I never received the return payment after cancellation was processed.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Equifax reports my previous address from twenty years ago as my current address and refuses stop sending me a letter stating that this address, referencing my current address, has recently changed. Every year they send me this specific letter stating this change of address within the last few months.
Consumer complaint received 2021-03-30
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. (OH)

I originally started disputing what I found to be inaccurate information on my credit report with XXXX and Equifax on XX/XX/2020. Both companies responded that the information had been verified but failed to provide me the requested documents they used to verify it. 

On XX/XX/2020, after reviewing my full credit report again, I send another letter to both bureaus with more requests for them to look into a number of inaccurate accounts. They failed to respond within the 30-day window, so I sent another letter on XX/XX/2020. XXXX  neglected to respond at all and Equifax noted accounts were updated but again they completely ignored my requests for documents to verify.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Thank you for taking the time to read this. I have an issue with Fifth-Third Bank. I have been making on-time payments to them for the past 9 months. In XXXX, I decided to enroll in a program with XXXX XXXX XXXX for repayment plan for the debt ( I had lost my job ). In XXXX, I made a {$650.00} payment to Fifth Third over the phone. 

My issue is that when I tried to make the payment in XXXX, the representative said my account was closed and that I have to go into a branch to make the payment. When I went into the branch, the representative said he will see what is going on. I never heard back from him. In XXXX, I tried to make both XXXX and XXXX payment but they would not take my payment over the phone. So I went to another representative at a local branch and demand for them to find out what is going on. The representative reached out to me yesterday saying that my account is in-house collections because my account was late. I was furious because my account was late due to the run around I was getting from Fifth third but he mentioned it was late since XXXX. I know that was not true because I made the payment on the XXXX each month. The phone representative always said my payment will be posted on the same day I paid ( excluding holidays ). I received no mail notification and now I have a late payment on my credit report and I do not think I should have that reporting on my credit. This is not right and I would like this fix! 

Thanks, XXXX
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I paid my balance in full and closed my account. I received a statement in the mail a few weeks later for {$75.00} dollars for interest on the full balance that was paid in full and closed 2 weeks prior I called XXXX and disputed the charge they agreed to take it off and agreed I owed nothing. They lied its being reported to credit bureaus when before it said closed {$0.00} balance previously. And they sent another statement for XXXX $ when the account was paid off in full and closed.
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (FL)

I have 2 fraud accounts listed on my credit report for XXXX XXXX XXXX XXXX IN XXXX and XXXX XXXX XXXX   XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX. Please see the attachment. Please remove these fraud accounts from my credit report immediately. Thank you
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OH)

During the 2nd week of XX/XX/XXXX, I received my annual Escrow Account Disclosure Statement. Since this is the first year with Loancare as my mortgage servicer, this is the first time they have provided me this letter.

On the Annual Escrow Account Disclosure Statement, it was noted that I had an escrow surplus of {$150.00}. In other words, I had paid more into escrow than was necessary. As such, Loancare issued me a check for {$150.00}.

Also on the Annual Escrow Account Disclosure Statement, my semiannual property ( county ) tax disbursements were listed. I own two parcels. For one of the parcels, the semiannual property tax disbursement transferred identically from XX/XX/XXXX to XX/XX/XXXX, which is accurate. For the second parcel, a rear, half acre parcel on which there is no structure, no improvement, no change, Loancare noted that my semiannual tax disbursement would increase from {$67.00} to {$1300.00}. This equates to a difference of {$2600.00} for the year! As a result, my monthly escrow payment increased from {$590.00} to {$770.00}. This is almost {$200.00} more per month.

When I noticed this issue in early XX/XX/XXXX, I began calling Loancare. At the time, they said that this issue would be fixed by XX/XX/XXXX. It is now XX/XX/XXXX and I have had to make two mortgage payments that are almost {$200.00} more per month than I had planned. I did not budget for this.

To date, I have called Loancare 7 times. I have sent them 3 emails via their customer service contact email address. I have received no response to any of the emails - either by phone, email, or mail. During those calls and within those emails, I have discussed the Annual Escrow Account Disclosure Statement, I have provided a link to my county auditor 's page for the parcel in question, I have provided the phone number to my county auditor, and I have explained the situation clearly and thoroughly. I don't know what more I could do - I've basically done their job for them, and yet they have taken no action on their end.

Today, I was told that this process may take another month or more. Simply put, I don't have the money to continue to make monthly payments that are {$200.00} more than they are supposed to be.

I don't know if Loancare is simply negligent ( i.e., they don't care about their customers at all ) or fraudulent ( they hike escrow payments in the hopes that borrowers default on their mortgages ), but something is amiss. This is the 6th property I've owned, and I have NEVER experienced a single issue with a mortgage servicer until now.

Please investigate Loancare. If I - as an educated and experienced borrower - have been treated this way, if by doing my due diligence there has still been nothing done on their end, I shudder to think about what they're doing to others.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST HORIZON BANK (IL)

I got approved for a sba loan in XX/XX/XXXX. I got one in XXXX also and it went to first horizon bank in XXXX. Since then my account with them has been closed since XXXX. I didnt get the government my new account information in time so the funds were deposited to the closed account on XX/XX/XXXX. I told the loan provider and they said since the account was closed it would be rejected and they would put it in my current account. Days went by and the loan provider still havent received the funds so I decided to call first horizon to see if they had the funds and they said they did have the funds and they were available. They told me to download the banking app and I could see it. I asked them why they would open an account that have been closed over a year without my permission and they could not tell me.So I opened the app and it said my account was XXXX XXXX dollars negative so I called back and they said it was a hold on my account and cant tell me why and someone would call me. No one ever called me So today XX/XX/XXXX I called at least 4 times and they told me the same thing so the last time I told them Im not getting off the phone until they tell me why they are holding my money and they said they were sending it back I said when they said they could not tell me that all they know is that they are sending it back I said why would ya open account take money I owe ya and then put the account on hold to prevent me from getting the money and then tell me ya sending it back. Its been there since the XXXX and he said cause he can. I have a new address but the same number no one ever contacted me. So they have my money and wont release it and wont tell me when they are sending it back reopened the account without my permission
Consumer complaint received 2022-12-15
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. (GA)

XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX XXXX saying that they account is paid in full and that they are refusing to send me my XXXX oid XXXX and XXXX tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the XXXX i request. So can i get treated equally with full faith and credit.