davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ditech Financial LLC (WA)

I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. 

I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MN)

Dear Barclaycard I received two letters from your company dated XX/XX/XXXX claiming that you never got my payments Those payments was mail Two weeks ago I enclosed a check from my XXXX XXXX checking account Check Numbers XXXX and XXXX I enclosed the account Number XXXX and account # XXXX I'm not sure as to why you saying you haven't got them! Since the account was closed I do not have a way to make payments On Lines could you please check your records and verify that I enclosed the correct account numbers for the accounts also if you could please send me a copy of the full account numbers for both card as I know longer have the cards to verify the account number I'm sorry for any inconvenience this may have caused I will be more than happy to call into your payment line and submit another payment But I know it was mailed 2 weeks ago today
Consumer complaint received 2022-04-25
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. (FL)

The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I received a letter dated XX/XX/2020 from XXXX  XXXX XXXX concerning Account No. XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 XXXX LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account NoXXXX since I have two car loans at XXXX  XXXX XXXX for which I sought COVID relief. NOTE THAT TRANSUNION ARBITRARILY REDUCED MY CREDIT SCORE BY XXXX POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF XXXX  XXXX XXXX. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From XXXX XXXX XXXX I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

XX/XX/XXXX I signed up for service with XXXX XXXX in XXXX XXXX, Florida. In XX/XX/XXXX, I left XXXX and moved to XXXX. There was no XXXX service where I moved. I had paid all my bills and returned all equipment. In XXXX, I began to receive bills charging a " cancellation fee '' of {$180.00}. Not remembering agreeing to any such fee, I contacted the company and asked them to please send me anything with my signature or initials that i had agreed to any " cancellation fee ''. They did not respond. I started receiving letters from collection agencies. I contacted them and told them the same thing : send me anything with my signature or initials that i had agreed to any such " fee '' and I would pay it. Nothing. Instead they reported me to the credit bureaus, I disputed the charge and it was immediately removed from my report. 
Now, today I recieved a letter from another collection agency : AFNI XXXX. XXXX XXXX XXXX, IL. XXXX, attempting to collect the same debt. I called, talked to rep named " XXXX '' and explained to debt was not owed unless they could produce and send me any document with my signature or initials agreeing to the debt. She argued with me for several minutes and I ended the call explaining that i did not owe the debt. 
I would like for XXXX and their agent to either supply me with signed documents proving the debt, in which case I will pay it or leave me alone.
Consumer complaint received 2020-11-27
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: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have contacted XXXX  XXXX and Portfolio Recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX  XXXX and Portfolio Recovery a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX and Portfolio Recovery to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and XXXX XXXX and Portfolio Recovery disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX and Portfolio Recovery collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Consumer complaint received 2017-09-14
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. (IA)

Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
Consumer complaint received 2022-04-06
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. (CT)

XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

The Freedom Mortgage Company wants to charge mye a fee to cancel my Mortgage Insurance after I have met the State and Federal requirements to cancel the Insurance. They are forcing me to pay their insurance cost illegally, while making the process of cancelling impossible and costly. This is not proper business practice. There is no phone line, they will not accept payment from my account or from a debit card over the phone. They will only accept one payment method, which is check via mail, and they are refusing to send the paperwork to cancel this insruance. I am at a loss with calling their customer service who has put me on hold for hours.
Consumer complaint received 2021-07-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

fay servicing llc payments increased from XXXX to XXXX ask company for explanation was told taxes was not paid XXXX - XXXX took loan out XXXX showed proof from tax bureau taxes where paid no response this has been going on for 4 months company investigating 1 payment XXXX being held while investigating not receiving any more was told no late fees or foreclosure would take place call twice a week for 3-4months sent emails, documents given 4 different managers months no return calls no answer to email now given act 91 notice was told owed them XXXX now act 91 fay servicing XXXX they have become a bully 's talking down to me a lots of lies under minding tactic
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

XXXX. That number calls multiple times a day. My payments arent late yet they call early in the morning and late at night. One day they called 12 times. I looked up the number and other complaints and it says it's from synchrony bank.
Consumer complaint received 2018-07-16
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)

The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and Experian. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NV)

My existing loan was recently acquired by Roundpoint Mortgage company. In order to make an automated phone payment they charge {$10.00} ( Ten Dollars ), when speaking with a phone representative they charge {$12.00} ( Twelve Dollars ). The only free option is on the computer or my mail. I feel this is an unfair practice and taking advantage of people.
Consumer complaint received 2024-02-01
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (MD)

In accordance with House Joint Resolution 192, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused.

I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in HJR 192, any offset debt that has been settled should not negatively impact my credit report.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX, XXXX. Original creditor : XXXX XXXX XXXX Account number : XXXX this company has violated my rights reporting wrong information 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-19
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. (NV)

On XX/XX/XXXX I filed a dispute with XXXX regarding a late payment that was reported by XXXX. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both Equifax and XXXX failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by XXXX to the CFPB on XX/XX/XXXX, XXXX clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my Equifax report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How XXXX XXXX chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Farrell Holdings, LLC (UT)

XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law 2 creditors can not collect on the same debt at the same time. 
-- -Also the debt is past the statute of limitations!! 
When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. 
They need to fix this. 
The next correspondence will be from my attorney ....
Consumer complaint received 2019-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In a letter dated XX/XX/2019, my wife received a notice from Bank of America stating that they were terminating their banking relationship with her by closing her checking, savings, Mastercard and various other joint accounts she has opened over 25 years. Since my wife and I are joint owners of several of the accounts, I am seriously affected as well. 
On Wednesday, XXXX XXXX XXXX called the phone number given on the termination letter and was told that Bank of America would not give any reason for the account closure and that the decision was final - there was no recourse for my wife or I to keep our accounts open. On XX/XX/XXXX I also visited my local branch of B. of A. where the representative made an official inquiry into the closure, but when another representative responded to me, she simply told me to call the number I had already contacted. Finally, I talked to our investment officer in charge of our accounts at XXXX XXXX on XXXX XXXX as well. He was not able to give me any reason for the closure as well, but he did say that since only my wifes name is on the letter they would let me keep the joint accounts if she removed her name from them. We can only surmise that it is my wifes surname and her original XXXX citizenship that is the reason for this termination even though she has been a naturalized XXXX citizen for 22 years. 
This is outrageous. We have been married for 27 years in XXXX. We have had our bank account with B of A for longer than that and we have substantial combined assets in B of A and XXXX accounts. Even our mortgage is B of A. In other words we should be the kind of client banks should want to keep, not kick to the curb. 
I think Bank of America is continuing the practice of purging XXXX nation citizens from countries with poor reputations. It is truly chilling that they would terminate with no recourse or even asking to confirm citizenship. They are in effect saying, of course, that all XXXX are XXXX XXXX and XXXX XXXX. I have seen newspaper accounts of banks freezing assets and closing accounts of XXXX   XXXX as well. 
I think this is a type of XXXX ( or XXXX? ) profiling. It violates due process and my wife 's civil rights. I demand Bank of America answer for its actions against hardworking XXXX citizens.
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bronstein & Weiss Arbitration (TX)

I received an Unknown / Blocked phone call today. It had no number and I let it go to voicemail. I listened to the voicemail stating that I was being served papers for something, that i had to be at my house or work between XXXX tomorrow. If I had immediate questions contact the Weiss Law Offices. 

I called and the person on the other line could not validate my information. They started yelling at me saying that they will take everything I own, including my children. Not once, did they even state that they were a debt collector, which should have been stated from the voicemail to the phone call.
Consumer complaint received 2021-09-17
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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (VA)

I have ask the investigation be properly conducted several times. Genssis owns the XXXX XXXX. The first letter XXXX upload was the letter I received from Genesis stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. XXXX never contacted Genesis during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from Genesis 2. My list of creditors I include on my bankruptcy excluding Genesis XXXX XXXX caredit card 3. Discharged documents
Consumer complaint received 2021-09-17
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. (TX)

I have mailed multiple letters disputing accounts that should not be on my credit report and they are still there! incorrectly reporting!