davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CT)

We refinanced our mortgage with Amerihome ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on Amerihome 's end, we asked our bank ( XXXX ) to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery put information on my consumer report claiming I owe them money. I never had any type of contract with them and I didn't even know they claimed I owed them money until I tried to get a house and was denied! I talked to the bureaus to find out what was going on and they said Portfolio said I owed it. I asked them to show my proof and they sent some statements from XXXX XXXX. I read online that they're supposed to notify that they are attempting to collect a debt when they first contact me, they did not do that. I also sent them a letter telling them to cease attempts to collect if they don't verify and validate the debt according to 15 USC 1692 so I'm refusing to pay according to my rights and demand that they remove it from my report.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (IL)

In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

The company is Hunter Warfield they have my balance from an apt complex that I once occupied. XXXX XXXX I had to switch my number from XXXX to now XXXX. The number ending in XXXX SIM card is in a phone I dont use due to it was a daily issue this company calling none stop no end. I place every number they called me from on block. I have over 15 numbers. I have noticed on that phone with XXXX they are still calling everyday more than 2-3 times. They also I had one lady call me and I told her well I dont have it therefore you can not get the payment. She threatened to call my employer etc. she called me 5 times within 30 minutes. Everyone who calls from this company is threatening. I have spoke to three people and each threatened me in some accord if I didnt pay the balance. I advised you cant force me to pay for something I dont have the money to pay. the balance also steady is going up with them. It was placed on my credit report with a 5 thousand dollar and something balance but as of today the balance sets at 6695.00. This delinquent should be falling off at end of 2022. I am reporting this company because of the harassing tactics they use and if threatening consumers isnt part of the job qualifications then they have people who take it to the extreme. I am diagnosed with XXXX and XXXX and those calls makes me have mental episodes thinking something is going to happen to me etc because of the threat I receive on the other side of phone. Something need to be done with this company. Their calls are monitored and recorded per what they say and I know they should have something that shows they called XXXX far too many times. How and can I file a suit against them
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MA)

I have reached out to XXXX XXXX ( XXXX XXXX XXXX ) regarding a debt from an Amazon Credit card that was sent to XXXX XXXX  for collection. The debt was for SYNCHRONY BANK in the amount of {$1100.00}. The original account number was XXXX. My XXXX XXXX Account Number was XXXX. For some reason thay have changed this to XXXX. 

I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted XXXX XXXX and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. 

When the credit report was not updated I contacted XXXX XXXX and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted XXXX XXXX again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. 

I contacted XXXX XXXX. They claim to have sent the information to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX ( who would not provide a last name ) at XXXX XXXX  XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to XXXX XXXX that day to correct the issue. 

XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

XX/XX/XXXX We had a balance in our escrow account of {$1400.00}. We refinanced and instead of refunding the amount to us because they had just paid our taxes XX/XX/XXXX they applied the balance to the new loan. From our understanding we did not need cash to close. I asked the mortgage company about it and they said because we are refinancing with the same company they are allowed to use the escrow balance for the new loan. Is that correct?
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i recently check my credit report on XX/XX/2021 and notice that Transunion was reporting some inaccurate information concerning tradelines, name, address, and job also XXXX  is reporting inaccurate information with my name, address, and job that needs to be corrected.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have a balance transfer loan at Citizens Bank and have had issues since the card was opened making payments. I have had to go to a branch to make payments which many times is hard for me. I was notified of a payment due today by email but we are going out of town early tomorrow and cant get there. 

I can not access online to make a payment. I can log in but there is no place I can find to make a payment. I keep clicking around the website trying to figure out how to do it but it keeps saying youre not allowed to do that. 

I tried calling and when I punch in the credit card number it says no account exists. I waited on hold for about 30 minutes and no one came to the phone so I hung up.

I am supposed to get paper statements so I can mail in a payment but I have never gotten any. I have complained at the Branch about all this mess but they dont care, just take my check. 

Also, they will not allow you to make a payment of any amount you like. Only the minimum payment or paying off the entire balance. Shouldnt be this way.
Consumer complaint received 2019-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have spine. To Navient numerous times, I had a fixed interest loan, and somehow they keep increasing the interest rate. Additionally, they keep increasing my loan balance. The loan balance is almost twice what it was, and I have been paying back this loan for over 10 years. 

Can you please help to shut this company down?
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hello On XX/XX/19 I received a form letter notifying me that Capital One credit card was changing due dates to the 1st of every month effective XX/XX/XXXX. And that if I wanted to change it ( back to the XXXX ), I'd have to arrange that but it would take 1-2 billing cycles XXXX XXXX XXXX for that to take effect. 

On XX/XX/19, when I had an hour to set aside, I phoned Capital One and spoke with a customer service person XXXX, then Sr Acct Supervisor XXXX ID No. XXXX, who told me that it was a 'wash ' because they had skipped XXXX payments. XXXX did arrange for my payment due date to be the XXXX of the months but could not guarantee what date it would take effect, and said I'd incur late fees and service charges if I didn't pay it in full. This is a credit card I pay in full every month. The shell game here is that Capitol one gets a potential of 10-40 days of payment earlier than they otherwise would, without having given consumers the 45 days notice they are required to by law. 

On XX/XX/19 I wrote a letter to their CEO and reiterated that I'd like this to revert to the 21st effective immediately. I also sent him/Capital One an invoice to compensate me for an hour of my time. 

I'd appreciate you looking into this for me. It's unfair to consumers, and some of it is against the law. Most people don't have time to deal with this, and the credit card companies get away with it. 

Best, XXXX XXXX
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

I am the consumer, original creditor and natural person. Synchrony Bank has denied my right to credit as I applied for a Sam 's Club credit card account on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Synchrony Bank violated federal law by denying my credit application. Synchrony Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Synchrony Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

on XX/XX/2021, i sent letters to Equifax and XXXX  disputing the inaccurate information with my Bankruptcy, tradelines, name, address and job that are damaging my credit. I requested information concerning the validity of the items, as of yet i have not received anything and it was sent off certified mail/XXXX.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I lost my ATM card. As soon as I realized it was missing, I attempted to contact Bank of America through the mobile app. It wasnt working so then they called me. They told me that my account was frozen and under investigation because {$1500.00} was taken out and it was more money than had been in my account to start so it was overdrawn. I explained that I had lost my card and I asked them to review the ATM video tapes so they could see it was not me. I have filed a police report with the XXXX Police for theft and have been repeatedly in contact with Bank of America but they continually tell me that I need to pay the full amount.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

Since they began servicing my loan, Caliber has sent my tax payment to the wrong address. The previous 2 years ( XX/XX/XXXX ), I have had to work with the municipality to trace it and get it properly applied, incurring late fees. I have addressed this with Caliber every year and they still have not changed it. My recent conversations have gotten them to correct the billing address, but they paid my XX/XX/XXXX taxes twice with my money. Now they are asking for an escrow increase to cover the shortfall, rather than trace the XX/XX/XXXX payment. I have spent hours on the phone with them and they do not seem to care, they just send me a bill.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 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 a account without my written instructions