davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX I notified Fay Servicing that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with Fay servicing on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment Fay Servicing drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to XXXX XXXX XXXX XXXX XXXX effective Thursday XX/XX/XXXX but according to XXXX XXXX XXXX the loan was transferred by Fay Servicing with very little information. XXXX claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately Fay Servicing did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to Fay Servicing on my behalf. I then immediately call Fay Servicing and was told that they had an entire servicing team which XXXX can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by XXXX, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with Fay Servicing as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to XXXX XXXX XXXX at XXXX. 

I am requesting that XXXX waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with Fay servicing. If XXXX has additional questions I am requesting that they reach out to Fay Servicing. 

I am also requesting that Fay servicing send me a payment history of my account as well as send all relevant information to XXXX.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (HI)

I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.
Consumer complaint received 2019-07-12
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/2019 I applied for a small business line of credit with JPMorgan Chase in XXXX, Virginia. I was told the line of credit would be personally backed and so my personal credit would be checked. On XX/XX/XXXX I received a phone call from XXXX XXXX from JPMorgan Chase advising that my application was denied. After 3 weeks of awaiting formal notification, I returned to the branch in XXXX, VA, and asked for a decision letter. 
A letter was quickly drafted, back-dated XX/XX/XXXX, printed and handed to me. It cited the reasons my application was denied were based on personal revolving balance limits, personal credit history, debt on personal revolving accounts, and recent personal account opening. 
The letter went on to state the bank had relied on information from XXXX and XXXX in making its decision. I explained that XXXX & XXXX had commercial credit information and would not have been able to provide the personal information the bank claimed to have used to make the decision. I was referred to XXXX who told me ( by phone ) that they had also used my credit report from XXXX. I asked for a letter stating that so I could review the information XXXX  had provided on me and challenge it. I was referred to XXXX 's supervisor, XXXX XXXX, who told me a letter would be sent in about 5 days. The letter did not arrive. 6 weeks after JPMorgan Chase made the credit inquiry, XXXX left me a voice mail advising that the underwriters would not write a letter stating they had relied on information from XXXX   because the line of credit was for a business. He advised that I should contacXXXX XXXX directly to challenge information on my credit report. I tried contacting XXXX   to request the information provided to JPMorgan Chase, but can not access that information without a denial  letter from Chase.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (GA)

I am a victim of identity theft and I have received correspondence from XXXX XXXX stating that I was not responsible for the following accounts due to fraud : 1. XXXX XXXX XXXX XXXX # XXXX XXXX : {$3500.00} 2. XXXX XXXX XXXX XXXX # XXXX Balance : {$3600.00} I received a summon from Zwicker and Associates on the behalf of XXXX XXXX who is trying to sue me. I am totally shocked and feel like my rights have been violated because I am not responsible nor liable for these fraudulent accounts.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I was working with Rocket Mortgage a XXXX XXXX XXXX XXXX On XX/XX/XXXX we discussed closing and I said it was super high regardless I sign paper work and {$500.00} for good faith if the loan. XXXX XXXX I worked with another broker with a better loan. Several times I emailed him said Im done with Rocket and withdraw my loan- I have a 5 day grace period. he advise the appraiser is out or on his way I said cancel. I call and work with a XXXX XXXX on getting a refund. She waits another few days and said XXXX charging you {$370.00} for XXXX XXXX  he wasnt there. I am waiting another week and still nothing. This didnt happen on XX/XX/XXXX and are trying to keep my money. I have my realtor looking into how many people used the lock box that day. They wont provide time stamps of pics nothing at all from them yet being charged for it. It doesnt take almost 2 weeks to provide this information. I called XXXX XXXX XXXX and he claims when he got there was canceled but still took pics and did the report? This is a scam for the {$500.00}! He didnt take pics and if so was days later because apparently sent the information over on XXXX  and didnt provide pics, they are trying to rip me off for that money.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my trans Union credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX  remove this from my credit report. I also would like to have XXXX XXXX, transunion, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.
Consumer complaint received 2020-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-01
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: Bread Financial Holdings, Inc. (AZ)

Comenity is not reporting to any of the credit bureaus since XXXX for a lot of people. After looking up this issue online- they are either giving people a blanketed this is a system update response or, after being escalated and pushed, they give in and update the persons records. After sending them a message saying that I would like for them to update my payment records, they only gave me the blanketed response with no sign of a solution. My balance for this card has dropped drastically and I would like for that to be reflected correctly. Ive also seen in online forums that this bank, as a retaliatory response, decreases the credit limit for people who complain. Not sure if that part is true, but its a worthwhile mention.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.
Consumer complaint received 2020-02-21
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: JPMORGAN CHASE & CO. (PA)

Was the victim of a scam XX/XX/2020 for {$500.00} plus charges. I called into what I thought was XXXX customer service but it was a scam 800 number which I was told it was XXXX and that my acct and Chase credit card were compromised. That I had to make purchases online to block the scammers using my acct for the same type of purchase. XXXX resolved by removing the charges. However, Chase refuses to do anything and on top of that has closed my account for false reasons that may affect my credit report. Also unable to receive contact with XXXX XXXX which is where the charges occurred. XXXX is aware if this scam and will not do anything to help. These were guft cards issued from XXXX but due to not being purchased directly they will not reimburse me the charges.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

This is on my credit report. 

XXXX XXXX XXXX Account number XXXX Original creditor : UNIV XXXX XXXX XXXX {$320.00} Collection opened XX/XX/2019 0 % paid off My tax return has been taken this month to pay off part of this debt, but Experian will not correct the amount on my credit report. 

$ XXXX $ XXXX {$180.00}
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for the XXXX XXXX credit card issued by American Express and was approved on XX/XX/XXXX. Upon receiving the card, I called the customer service on XX/XX/XXXX to confirm that the signing up bonus is indeed as what I saw at the application page. I was connected to their representatives named XXXX who is based in their call center in the state of Illinois. XXXX straightforward confirmed the signing up bonus of my credit card as spending {$4000.00} within first 3 months and receive XXXX bonus XXXX  points. I also learned a bit of other perks and benefits with this particular credit card. Before hanging up the call, I confirmed again that I'm eligible for the sign-up bonus and XXXX said YES. 

Since then, I have been using this credit card in almost every single transaction where a credit card was accept, both at home and while I was on travel. 

In late XX/XX/XXXX, when I calculated that I have spent an cumulatively more than {$3000.00} on the card, I would like to make sure the spending total calculated by American Express is about the same, so decided to call the customer service. During the call, I confirmed again about the sign-up bonus with the representative. 

Lastly, when the XX/XX/XXXX statement closed and by which time, my calculation indicated the {$4000.00} spending requirements on the card were already met, I did not see the XXXX bonus XXXX  points posted with the statement. So I chatted with another representative on the Amex app ( after log in ). The representative confirmed my sign-up bonus offer one more time but assured me that it might take additional days/weeks to receive the XXXX bonus points ( sign up offer ). 

Today ( XX/XX/XXXX ), I called American Express customer service again to follow up on the signup bonus. I talked to their representative named XXXX who is based in Florida. However, I was shocked to learn they have declined to fulfill the sign-up bonus which I have been confirmed about multiple times in the past 3 months. There's something even more disturbing - XXXX mentioned this was declined from DAY ONE of my account opening. 

I am very disappointed that after all the hard work and a heavy spending of more than {$4000.00} on this single credit card, American Express declined the sign-up bonus offer. Moreover, I am a bit furious that I was repeatedly being told/confirmed about the signing up bonus of the card all the way throughout the initial 3 month period when I spent heavily on the account but was only told the offer was declined after spending requirements were all met. There're many many other cards issued either by American Express or some other companies that I can put the {$4000.00} spending on.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Failed to apply a {$940.00} check to my account they received and cashed when my mortgage loan was transferred to Mr. Cooper from XXXX XXXX XXXX. 
XX/XX/XXXX of XXXX XXXX XXXX XXXX had a bulk check for {$320000.00} ( check no XXXX ) delivered to Mr. Cooper via XXXX  ( tracking no XXXX ). A Ms. XXXX XXXX signed for the check. Within those funds was {$940.00} that should have been applied to my loan number ***********. The check was cashed on XX/XX/XXXX. I was told by multiple Mr. Cooper representatives on recorded lines that 1 ) they did not receive this payment from XXXX XXXX XXXX 2 ) I need to contact XXXX XXXX XXXX  in regards to the payment that was never transferred 3 ) if they did not receive the payment within 60 days of the Notice of Transfer my credit could be negatively effected. 
I was still receiving a statements showing a double payment being due. I called Mr. Cooper again to verify that they had still not received the payment and that they are positive that they have not received the payment and that I still need to contact XXXX XXXX XXXX to track down the missing payment but that I need to make the double payment in the meantime to ensure my credit isn't effected. As directed I made two payments processed by my credit union XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I proceeded to call XXXX XXXX XXXX insisting that they had not transferred the payment to Mr. Cooper. I went through several supervisors, and had to have my credit union track down the Ipay proof of payment, the credit trace number, and a letter from my credit union and continue to follow up with several supervisors and emails 7 separate emails through their online portal only to find out that it was transferred to Mr. Cooper 5 months ago and Mr. Cooper simply failed to apply to payment to my account and then failed to realize that it was their mistake and then lead me down a 4 month rabbit hole leading me right back to them. 
On XX/XX/XXXX I connected a Mr. Cooper representative with a supervisor at XXXX XXXX XXXX to make sure this situation would be resolved expediently. XXXX XXXX XXXX provided all of the information I stated above and faxed a spreadsheet with a breakdown of the mortgage numbers and amounts distributed to Mr. Cooper on the above referred bulk check to Mr. Coopers research department. I called Mr. Cooper today to follow up. I was informed that their research department needs more documentation. I checked my email and it shows an email that 1 ) can not be opened 2 ) the link has expired in the email and 3 ) the email that I received the notice from is deactivated. 
I proceeded to email Mr. Cooper two more times at the XXXX email I was given by a representative. I have not received any useful communication from Mr. Cooper and more importantly the {$940.00} has not been applied to my account or alternatively they have not mailed me a check for {$940.00} to reimburse for the double payment I had to make to cover their error and protect my credit.