davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

On XXXX XXXX we closed on our home and Planet Home Lending is our mortgage company. At closing we received {$2200.00} from seller to pay the property taxes from XXXX. In XXXX I received a letter from the county saying we didn't pay our taxes for XX/XX/2018 and sent us a bill for the whole year. I immediately called Planet Home Lending and talked with our loan officer XXXX XXXX to try to get an answer on why this was the case since we received the credit from the seller and have been making our mortgage payment every month on time, with {$560.00} going into our escrow account to pay taxes and insurance. They told us they didn't know but we had to pay the taxes and that they are taking all the money out our current escrow to pay the taxes! Also that our mortgage would go up {$270.00} a month because now our escrow was delinquent. We sent numerous emails and called numerous times to try to get this resolved, they would only send us letters stating they were looking into our account and they kept extending the period of resolution. They finally reached out now and told us that they would refinance us with a lower percentage rate but are charging us {$5000.00} in fees, some duplicated from what we already paid in XXXX and then they try to make it better by saying they will give us {$2500.00} in lender credits. No matter how I look at this it just doesn't make sense or add up. They clearly made a mistake and admitted to it and now trying to get us to rush and sign the refinance paperwork. I don't know what to do at this point, I don't trust that they have our best interest at hand. We can't afford this increase and feel we shouldn't have to pay for their mistake but also feel like the refinance is just benefiting them and charging us for their mistake.David told me that his branch manager would be handling our case his name is XXXX XXXX, I have called him and he told me someone else would call me back. So then this guy named XXXX XXXX sent me an email about applying for a loan?! I called him and he had no knowledge of our account or the issues that they have caused with our escrow account! They are completely ignoring our complaint and their mistake! This is ridiculous and they should not be in business! I have all emails and correspondence saved and can produce if and when necessary.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I was current on my loan till XX/XX/XXXX, in XX/XX/XXXX Ocwen ask me to re-modify my loan lower my interest rate, told operator i would be making XX/XX/XXXX's payment later that week Ocwen 'said does n't matter if month behind or 2 yrs behind we 'll re-modify your loan lower your interest rate and make your house more affordable I GUARANTEE IT we 're Ocwen this is what we do keep homeowners in their home. After 10 months of updating turn me down wanted XXXX , offered XXXX $ said all or none.
Consumer complaint received 2023-10-01
Product: Credit 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. (IL)

Im writing with regard to a Citi fraud investigation related to a series of fraudulent charges to my Citi Premier card occurring on XX/XX/XXXX. The charges were attributed to a merchant unknown to us ( XX/XX/XXXXXXXX XXXX in the amounts of {$880.00}, {$3400.00}, and {$6000.00}. 

When contacted by the Citi fraud department on XX/XX/XXXX through their early fraud warning system, I was asked whether our card was in our possession. I explained to the caller from Citi that we did have at least one card in our possession, but that this was our previous Citi Thank You Card, not the new upgraded Citi Premier cards wed recently requested. 

In fact, the new Citi Premier cards hadn't arrived through the mail in a timely fashion, leading us to now believe that they may have been intercepted and used for the fraudulent charges. 

I have filed a police report with the XXXX Police Department and can provide you with the report number if needed. 

Yet, according to a letter we received from Citi dated XX/XX/XXXX, Citi has closed the investigation of these charges and is holding us responsible, citing that we had the cards in our possession. I have called twice in the interim to again explain that the cards in our possession at the time of the fraudulent charges were our previous Citi Thank You cards and not the Premier cards that were yet to be received through XXXX mail. 

Note that Citi did determine that two charges taking place on XX/XX/XXXX were indeed fraudulent, and is not holding us accountable -- making it puzzling that they did not determine the fraudulent charges on XX/XX/XXXX as related. 

Pertinent to Citi 's investigation, we also received a bill from XXXX for a fraudulent charge which appeared related to one of the disputed charges ( we are not XXXX customers ). XXXX quickly investigated, verifying that the charge was indeed fraudulent, and has notified the credit bureaus on our behalf. We have provided this information to Citi. We have also provided the XXXX Police Department police report. 

Please let us know if you need any further information from us to assist in asking Citi to reopen the investigation and reconsider their decision. 

Thank you!
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

A major fraud incident occurred in 2017 my original claim was excepted and then told me to go through and mark all the fraudulent activity and there was in my business account and personal. I immediately went into the branch and began my claim with an branch associate and we completed a portion and submitted it to get me a little breathing room to then continue the entire claim. Over the next months Wells Fargo decided I needed to re do the claim and re submit. After filling the claim Wells Fargo proceeded bill automatic payments putting me further in debt. Over the next year I was given the run around and told to re do re submit every time. Finally after nearly a year they offered me XXXX dollars to compensate since to much time had passed to award me my claim that they said was valid but to late due to them not excepting my claim over and over. I asked repidiatly for my statements on both accounts and the business account I never received the claim was worth over 25,000. I am now destitute and trying to rebuild my life at XXXX years old and been a Wells Fargo client for over 20 years and this is how I was treated you can look at my account and see the Freud clear as day please help me out I dont know who to turn to
Consumer complaint received 2023-04-30
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. (FL)

I XXXX XXXX the consumer has contacted the reporting agencies and creditor multiple times about this violation. XXXX XXXX XXXX XXXX has reported late payments an transaction on my consumer report without being authorized by me the consumer. As stated in 15 u.s.c 1681 ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As you see a late payment will be considered as a transaction.
Consumer complaint received 2019-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc. (GA)

ARA called my place of employment twice during the week of XX/XX/XXXX and left threatening messages, stating they have an affidavit regarding a debt I owe, and will forward to my employer. I called on XX/XX/XXXX when I returned to work from vacation. I spoke with XXXX XXXX, who was extremely hostile. XXXX threatened to not only send an affidavit to my employer, but to the company which carries my home mortgage. I told him not to call me. He called me right back on my cell number. I dont owe any collections and dont believe the claim. 

XXXX called from XXXX. He claims I owe XXXX on an auto loan for XXXX XXXX. No account number was provided. He claims the loan started in XXXX and was transferred to different agencies over the years. I dont believe him. I am very easy to locate. My cell number, which is my primary number, has been the same since XX/XX/XXXX. 

If any of the information XXXX is providing is accurate, debts from this time period would have been included in a Chapter XXXX bankruptcy I filed in XX/XX/XXXX, paid and/or fully discharged as of XX/XX/XXXX. In addition, the statue of limitations has expired.
Consumer complaint received 2023-04-10
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)

This is my Follow-up 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}
Consumer complaint received 2017-05-27
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. (PA)

None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX , experian, and  XXXX  are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Consumer complaint received 2019-06-21
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: TIDEWATER FINANCE COMPANY, INC. (TN)

I AM A VICTIM OF IDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CAREFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVED FROM MY ACCOUNT. IT HAS BEEN SEVERAL MONTHS AND XXXX   CREDIT BUREAU ARE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE.THE LAW IS VERY CLEAR AS TO CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTION 616 & 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVE THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEIF AND NOT ME.PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENITY THEFT VICTIMS.
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I logged in to review my financial aid today on nslds. Something has seemed off with the amount of my loans for quite some time. Upon loggin in, I found that when my loans were supposed to be consolidated into one loan, they were actually consoidated into two separate loans, with amounts very close to each other, on the same date, and now I owe double what I should owe. There is no way to retrieve information the the original services or original dates or the original loans, but, based on the ones that are showing up as saything they were paid in full by consolidation, the amounts of those loans are around {$19000.00} in total.

However, I have 2 condolidated loans now that show they are around {$17000.00} EACH and a balance of around {$48000.00}.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Despite submitting factual materials, Citi suppressed this evidence and allowed the merchant to get the money I was fraudulently charged thereby letting the merchant get away with a scam perpetrated on me.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I took a look at my credit report and saw there were XXXX hard inquiries that i did not approve or apply for which violates my consumer rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not in initiated by a consumer and i want these removed because they have a negative impact on my report and is stopping me from getting lines of credit XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-10
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, Transunion and XXXX are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (AZ)

I cancled all of my Wells fargo credit cards because they hounded me day and night about purchases.I went to my branch to do this and told the rep I wanted to pay off every card and cancel them all to avoid anymore calls or payments and I did or at least I thought I did, but XXXX kept sending me on line bills that I ignored, and they droped my score from XXXX to XXXX or so because of XXXX $ or so.My credit cards in fact all of my bills are on auto pay so they are never late and for XXXX to do this after over 20 years of being a customer I think is a kick in the face, so if they don't set this right, I'll be moving my direct deposits to another bank! 

Thank you XXXX XXXX XXXX
Consumer complaint received 2019-06-26
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)

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Consumer complaint received 2019-06-26
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)

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX.  I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by  contract with the original creditor.
Consumer complaint received 2023-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have had this card for over 10 years and during Covid they lowered my credit limit from {$5000.00} to {$1500.00}. This really hurt my debt to ceiling ratio and also affected my credit score. I have been trying for 2 years to get my credit limit raised but they are unwilling to raise it.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

EXPERIAN, has ignored my requests to correct and investigate, my credit file where the Charge Off status by XXXX XXXX XXXX XXXX account # XXXX and also account # XXXX is in violation of the Federal Bankruptcy Codes and Violations of the FCRA. 

Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. 

XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

Account charge off status can not be reported as the accounts as was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. 

POST Dismissal of XX/XX/2016, XXXX XXXX XXXX XXXX # XXXX and also account # XXXX under the Federal Bankruptcy Codes my credit card accounts was to be reported as the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by XXXX XXXX XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where the debtor can resume paying on the account. This was denied by XXXX XXXX   XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXand also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where I as the debtor can resume paying on the account. 

WHEREAS, XXXX XXXX  XXXX XXXX # XXXX and also account # XXXX has failed to and refused to REVERSE the charge off status and where Experian has also failed by allowing and knowing that XXXX XXXX XXXX XXXX XXXX XXXX false information of C/O status that should have been reversed under the Federal Bankruptcy Codes when the Bankruptcy Petition was dismissed by the Federal Bankruptcy Court .