davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
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. (IL)

I SENT IN DOCUMENTS PROVING TRANSUNION ARE REPORTING INACCURATE ACCOUNTS TO MY CREDIT PROFILE WHICH IS AN FCRA VIOLATION AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY!!!!!! THEY HAVE TOTALLY IGNORED ME WHICH IN INJUSTICE WHICH LEAD ME TO SENDING IN AN COMPLAINT.
Consumer complaint received 2017-09-27
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. (NV)

The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX, ACCOUNT NUMBER XXXX, all have 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 an account without my written instructions.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc. (LA)

For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 
I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX  credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 
Who verified this account? What documents did they use to verify? Where are the documents used to verify? 
The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Home Mortgage shows poor and inconsistent communication about the Escrow review process. I receive a new escrow analysis statement every few months and spend hours at a time on the phone with customer service trying to understand why my payments are projected to increase, sometimes hundreds of dollars at a time. I understand that on an annual basis, property taxes can increase and drive increased payments ( I work in XXXX, specifically XXXX XXXX, for a large XXXX  so I am well-versed on topics of this nature ). Each time I call I get a different answer on the cause of the increase, as well as a different promise that this will not happen again for another year. I have had multiple people tell me that my property taxes increased - within the same fiscal year - from the last quarter. This has happened multiple times. Other times, Wells Fargo has noted an escrow shortage of thousands of dollars, claiming I had a lapse in homeowners and flood insurance coverage. I would then proceed to spend hours on the phone with both WF and my respective HO/flood insurance companies, only to find out that they had sent WF updated policy information that had been " missed '' by WF. 

I get that XXXX payments are not fixed - taxes increase, among other factors, but communication from a financial institution should be consistent. Only moments ago, I had a customer service representative tell me that there is a chance my property taxes could go up again next quarter ( even though we are in the middle of a fiscal year ) so my payments could rise again. Wells Fargo demonstrates, once again, that their communication to customers is not only sub-par, but inconsistent and misleading. I do not feel that my personal and financial information are protected and well-managed at this institution and I am fearful of holding a mortgage here. I pity the people who blindly accept every answer they get from this company - if I had done that a few months ago when WF had lapsed in their communication with my insurance providers, my payments would be hundreds of dollars more per month.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

In XX/XX/XXXX we called Carrington mortgage company requesting assistance for XX/XX/XXXX payment. Work was slow and we knew we would not have the payment and they told us not to worry about it and we would figure it out. In the following months Carrington mortgage applied all of the payments we made to the previous month keeping us a month behind and destroyed our credit. The " late payments '' were all made by the XXXX of each month within the grace period. I am on a fixed income that I receive by the XXXX of each month and Carrington is aware of this and it has been no issue. We had been approved for a refinance through another company to get Carrington paid in full. Carrington waited until XX/XX/XXXX to report to the credit bureau eliminating our refinance ability. We have now had to go to a debt consolidation firm to try to straighten out our debt. A different representative from Carrington calls us once sometimes twice a week 7 days a week with no help or insight on how to fix the problem. Our payment has went up {$100.00} a month, every year with no explanation as to why. We have been told property taxes but none of my neighbors had a tax increase. We are at the end of our rope on working with them or speaking to someone without kids screaming in the background. We would like to find a solution to the delinquent payment and get the late payments off our credit, we have receipts the show the payments were made by the within the grace period every month. Any assistance would be appreciated.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Ive tried contacting synchrony bank several times about an account they closed on me without me knowing and they send me emails to pay the remaining balance at the time was {$210.00}. Ive tried to pay them but every time i get hung up on and now they put a late payment on my credit. I can not pay online since they closed the account. Nor can I pay on the phone. I have attached the most recent times Ive tried calling.
Consumer complaint received 2017-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (LA)

I contacted Navient on XX/XX/XXXX or XX/XX/XXXX about setting up an arrangement to pay {$25.00} per month. I also stated to the CSR that I needed the arrangement in writing as proof that I have entered into an agreement with them for a housing program that I am currently in. I was told that because I am on an IBR with a payment of {$0.00}, that I can not enter into any agreements and was told to just make payments and print out my payment history. I made the first payments and printed out the history, but the housing counselor needs an agreement in writing from each lender as proof that I am paying this debt.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (FL)

I disputed an account with XXXX regarding ALLY Financial. My records indicate that the information should have been removed from my report since my records indicate that the account was not current since XX/XX/XXXX and XXXX  reflected the account being removed XX/XX/XXXX. Per XXXX, ALLY Financials response to the dispute was that my account had been current since XX/XX/XXXX and did not go delinquent until XX/XX/XXXX effectively starting the 7 years over again in other words they re-aged the account which is clearly against the law. According to XXXX, they changed the payment history to ND ( No data for this time period ). This was a lease vehicle that was returned to ALLY in XX/XX/XXXX and I do not have possession of nor have I made a payment since XX/XX/XXXX.  According to XXXX, they signed a sworn affidavit that the information they are reporting is correct and I have no re-course but to file a complaint with the FTC. XXXX also stated although they agree with me and the account was re-aged, that me filing another dispute would not change anything. Please find have attached credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where the account was clearly re-aged.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

US Bank claimed my mortgage payment due XX/XX/2021 was late. The payment was scheduled through the US Bank website and applied on XX/XX/2021, and then reversed by US Bank into their own suspense account on XX/XX/2021. On XX/XX/2021 I received an email indicating that the payment was 6 days past due. 

US Bank customer service was unable to provide an explanation or immediate resolution to this error, and also locked out my ability to make payments through their website.
Consumer complaint received 2017-09-27
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: Finance System of Richmond, Inc. (KY)

On XX/XX/XXXX, I contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
Consumer complaint received 2017-09-27
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. (KY)

On XX/XX/XXXX, I contacted XXXX and TransUnion disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NC)

This is a medical debt that occurred in the state of California in XXXX, through XXXX XXXX XXXX XXXX. Org amount : {$470.00} Amount now {$750.00}. Now showing on all 3 credit bureau 's as Rash Curtis and associates. 2 things. 1. THE ORIGINAL CONTRACT TO THIS ACCOUNT HAS BEEN CANCELED. 2. DATE OF SERVICE PAST STATUE OF LIMITATIONS FOR MEDICAL DEBT IN THE STATE OF CALIFORNIA- WHICH IS 4 YEARS. I have called this company, disputed it with XXXX, XXXX and XXXX, which every single time this company verifies the information as accurate, and it's not, and because they are verifying inaccurate information accurate, its staying on the 3 credit reports. This is not legal, the original contract has been canceled!! This needs to be taken off and fixed and I have tried reaching out to the company and credit bureau 's and this has not be looked into properly.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Loan : XXXX Over the past two months I set up an autopay with JP Morgan Chase on the above referended loan. I gave them the accurate details for the autopay and they continually attempted to take money from my " Savings '' account not my " Checking '' account. The two have the same number and numerous other companies have been cabaple of taking from the " Checking '' account. 

Two days ago ( X/XX/17 ) without any phone or mail notification they Repossessed the vehicle. I spoke with XXXX yesterday ( X/XX/17 ) who escalated to his supervisor XXXX yesterday and was informed that the only option was refinancing and they stated this several times. 

Today I was able to get refinancing from XXXX XXXX and when I was on the Phone with XXXX XXXX she told me that they could not accept the refinancing because they can not bring the account current. 

All in all I would suggest that JP Morgan Chase has been very shady in all of their dealings with me on this issue.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MO)

I have been charged over {$600.00} in over draft fees over the last 3 months. 

If you change the order in which the debits occurred from lowest first to highest it would eliminate most of the over drafts. Also many of the debits were less than the fee of XXXX making them no different than triple digit loan shark loans. 

PNC treats all online purchases made with a debit card as ACH which means it does n't matter if you are opted in or out of overdraft coverage, they can decide to cover the debit or not and charge the fee either way. 

All debits made on Saturday and Sunday do not process until Monday morning, which make the mobile banking part of the Virtual Walet pointless. 

NONE of the 15 over drafts I was charged were reversed even though there were circumstances that would warrant doing so
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
Consumer complaint received 2023-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

I'm currently in XXXX  XXXX bankruptcy. In XXXX of XXXX  my servicing company BSI Financial submitted a letter to my attorney and the trustee claiming that I had arrears in the amount of {$3500.00}. They were unable to explain where the arrears came from since the loan had transferred from XXXX to BSI. I paid {$4500.00} which was the arrears plus my payment for that month. After that the company claimed that i still owned them additional backpay. I called several times and spoke to my account manager XXXX. She was unable to tell me why i owed additional money and said that she would order a payment history ( which i was told usually takes 24 hours ) then never contacted me back. I contacted them again and she told me it looked like the funds were not applied but were with their legal department. I was not contacted again and have since made every monthly payment on time. I since have sold my house and went to get a new mortgage loan. Upon applying for the new loan BSI financial said i've made every single payment late and that i was 1 month behind with no explanation of how i was a month behind. This is preventing me from getting a new mortgage or rental property and i'm going to be homeless. My title company had to contact them 7 times to get payoff information. Every time the title company was told that it had been ordered and they would receive it in 24 hours. Finally the 7th call they were told they need to submit a PDF form requesting the payoff which they were never told before. Much like my experience with BSI the company was irresponsible gave lack of information and ignored the request for resolution. This further provides evidence that my issue is not isolated to me. I've paid every payment monthly for 1 year on time which is the requirement to get a new mortgage loan and just now learned that i am somehow 1 month behind. How am i behind after a {$4500.00} catch up payment?! I'm now unable to get a new mortgage because of this company 's incompetent staff and poor records keeping/communication. I was never contacted by my account manager XXXX or by BSI to inform me that i was 1 month behind and every time i called i was never told that i was behind. Just that the funds had not been applied from the catch up payment.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, Home Depot and Citi Bank/ Home Depot and tried to get assistance and see my options because of financial hardship I was experiencing. I offered to pay {$25.00} a month, the representative said that wasn't good enough and insisted that I must close my account if I cant pay the required past due balance. I do not want to close my account. Home Depot / Citibank are refusing to work with me while I'm going through this hardship.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (MI)

on XX/XX/XXXX XXXX I filed a dispute t items being reprted by a consumer repoting agency. they stalled the process by saying i need to send in more proof of my identy after i had already sent them my up to date stete id and social security card and a resent bill. 

this information is invoilation to 18USC A1 2 a
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating XXXXNo Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On Fri afternoon XX/XX/XXXX22 I received Webster bank checking account statement in mail to see a photostat of one of my checks rewritten payable to unknown person in new amount if {$6100.00}. Bank said come in Mon. 
Then I filed mail fraud reports with : 1 ) XXXX XXXX  case # XXXX XXXX ) XXXX XXXXCase # XXXX Monday XX/XX/XXXX I closed that check account at Webster and transferred balance to new account. Branch Manager XXXX XXXX. Filed fraud claim and asked for my money back. Was told they could see the money had been paid at a Bank XXXX XXXX. That this claim would be forwarded to XXXX to investigate. That it would take MINIMUM 120 days for investigation to start/complete and more time for refund. Meanwhile days later received XXXX postcard charging me {$37.00} fee each for 3 items they said paid with insufficient funds. Webster took out of old account on XX/XX/XXXX. Bank then told me I wouldnt get refund of these fees if at all til end of investigation on the check fraud.