davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Dea r Staff, I am in  receipt of threatening letters fr om Ditech Company s tating that I am in   XXXX   days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the  XXXX  of the month via  XXXX   XXXX   XXXX   XXXX   XXXX     Their confirmation transmissions via email indicate amounts I did not submit.   The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in  XXXX . The original loan was a federal mortgage secured through FHA in  XXXX . Somehow, in  XXXX  of  XXXX , Ditech ended up with my mortgage aft er    XXXX   XXXX  .   In the   XXXX   of  XXXX ,  Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in  XXXX  ( e.g.  XXXX   XXXX   ) o f this year.   First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e.  XXXX  conversations with customer service revealed the company is splitting the payments and  not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an  XXXX  payment was not made, even though the payment was submitted in full on  XXXX   XXXX .   No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense.   Ditech should lose its privilege to do business in Michigan.   Thank you for your service.
Consumer complaint received 2024-01-29
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. (NY)

I disputed an account through XXXX XXXX XXXX XXXX XXXX car loan, this account was opened up fruadulantl, I want this account removed from my credit report, this is fraudulent and inaccurate information reporting to my account, I have took the steps to file an identity theft report requesting this account be removed and blocked the information from XXXX and Experian both came back verified, I am requesting proof that these fraudulent accounts were investigated fairly and proporly, also please provide me with the system and details your company used to to determine if this transaction took place or not.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

We have had a fixed mortg age with Wells Fargo for years. We are paying 6.7 5 % interest and approximately {$2300.00} per month. My wife has been sick and totally  XXXX  since  XXXX . Our savings were wiped out in the  XXXX  financial crisis. We have approximately {$150000.00} dollars in equity in our home but hav e two liens for medical bills totally about {$20000.00}. We have been turned down for refinance 2-3 times by Wells Fargo because we are a bad credit risk, yet we have never missed a mortgage payment. If we were not being charged an extremely high rate we could be apply those funds to other bills and be in a much better position. This rate seems abusive and unfair. Seems as if Wells Fargo is intent on keeping us at this high rate until we are force to sell our home, which we do no t want to do.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for XXXX accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all XXXX of my credit reports for XXXX companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on XXXX for XXXX accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for XXXX of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.
Consumer complaint received 2024-01-29
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, investigate these accounts : XXXX XXXX XXXX Account Number:XXXX, has never been provided to me and, XXXX XXXX XXXX Account number : XXXX, full account number has never been provided me despite written request for both. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 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.

I Certified Mailed a request for VALIDATION to both creditors, which they completely ignored. I submitted a dispute with Experian and XXXX. No Validation has been provided to me.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MD)

I have a credit card through Navy Federal Credit Union. In the past I got behind on my credit card payments. I contacted Navy Federal to make payment arrangements and since that time I continue to make payments on time. Recently Navy Federal turned my account over to a law office/ collection agency for none payment. As I stated and previous conversations I have been paying this account on time.
Consumer complaint received 2020-10-20
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. (MI)

TransUnion is reporting a closed credit card account for the XXXX  XXXX XXXX  XXXX XXXX with a balance of {$3400.00}, the actual balance is XXXX ( XXXX ). This account was closed due to possible fraud and transferred to another XXXX card. TransUnion has not updated this balance since XX/XX/2018. 
Additionally, TransUnion is using the inaccurate balance of {$3400.00} as part of my overall credit usage which has decreased my credit score by at least 30 pts. 
The account that is reporting inaccurately is displays on my credit report as ; XXXX XXXX XXXX  acct # XXXX
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

Use of a non-Suntrust ATM charges a fee to the withdrawing bank ... understandable. But now Suntrust is also charging the same fee on the backside ; what a gouge!
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. There are so many things in this account that are wrong and I'm sick on having it on my credit. I called years ago and they told me it was for internet or something out in XXXX. I have no idea where XXXX is, I have never lived there. This account is surely not mine and I told them that in our conversation but they insist in putting fraudulent accounts on peoples account. Not only that, this account would be past the statute which is irrelevant because it is not mine. This needs to be removed immediatley. Remove false debts on credit can be considered fraud under both federal and state laws and I will not hesitate to bring legal action against Jefferson Capital Systems.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (MD)

This company, Harris and Harris says that they're a law firm, calling in an attempt to collect a debt. They have repeatedly called my place of employment. I have stated to them that this debt is not mine, and if they believe it is, please send the original debt information to my home address that they should have on file. 

This has now become harassments at my place of employment, which I think they're trying to extort money from me on a debt that is not legally mine. 

I believe these people to be, or in the practice of committing fraud. 

There telephone number is XXXX.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the Wells Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the Wells Fargo response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute Wells had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the Wells response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from Wells Fargo . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from Wells Fargo. 

At this point, unless XXXX is mistaken, it appears Wells Fargo is knowingly reporting false information on my credit report.
Consumer complaint received 2022-01-05
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. (PA)

I spoke with XXXX. 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

3 credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.
Consumer complaint received 2018-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (VA)

I was home when my X girlfriend called me to go meet her at Honda dealer in XXXX XXXX XXXX, I went there when one of the guis said let me sign some papers, I asked him for what, he said has witnessed. Then after some time I saw this depth on my credit report .I call them they told me my X girl friend did not pay for the car, and they repossessed it, they said am a co signed
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am a victim of XXXX  and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue experian my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents
Consumer complaint received 2018-02-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IN)

I received in the mail onXX/XX/XXXX, a mailing from the XXXX in XXXX, WI that I was a new member and had an XXXX account with them. I never tried to open an account with this bank. I never signed any forms or gave them any information about myself. I received a 2nd mailing from them aroundXX/XX/XXXX or XX/XX/XXXX that included a debit card for this account. I have my health insurance through the XXXX  corporation in Indiana that I am now retired from. I contacted the XXXX  corporation central office on XX/XX/XXXX, about this. There has been no change with our XXXX accounts. It is still with the same bank, XXXX XXXX XXXX XXXX, that it has been with for several years. My former employer did not make this change. I emailed the XXXX  about this issue and told them what had happened. I received a response the next day and was told to call the bank to straighten this out. The email said that my employer could have done this and also gave the name of three investment companies that could have done this. I have no investments with any of those companies.I called the XXXX customer service number on XX/XX/XXXX. I explained that I had never opened an account with them or attempted to do so, and I had not signed any forms. I asked how could this have happened. I was told it could have been that my employer had done this. I told them that I checked this out and that they hadn't done this. The lady I talked with on the phone said the only way she could try to help me was if I gave her the last four digits of my social security number. I refused to do that. I have not deposited any money into this account. I received a statement from them in early XX/XX/XXXXstating that there was an opening balance of {$0.00} and that there was a deposit of {$0.00} made before XX/XX/XXXX. I have not made any deposits into this account. 

The name of the person on the email is : XXXX XXXX XXXX The physical address of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WI XXXX The customer service number is ( XXXX ) XXXX
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (AZ)

I called on  XXXX  about m y Citi presti ge card. I called because I was charged the  XXXX  annual fee and I wanted to see if I could get my card changed to one without an annual fee. I called and found out the card can be changed but was not ready to make a decision on what card to change the account to. I went online and saw there are different cards that are offered and called back and decided I wanted to change my card to  the Citi Costco Visa . I did n't have my  XXXX  member ID number available so I ended the call with  XXXX  and tried to call Costco. I was n't able to get them to give me my member number. Since I was really concerned about the  XXXX  annual fee I decided to call  XXXX  again and ask them if they could just waive the fee - I am in the process of buying a house and I did n't want the credit agencies to show that I had an  XXXX  monthly payment. When I called in I asked the girl if it was possible to get the  XXXX  waived, she said let me transfer you over to someone that can help. The next person on the phone was someone from the retention department saying that she heard I wanted to cancel my card. Shortly after our conversation began there was loud static and I realized the call disconnected due to a bad transfer - I have worked in call center management for 15 years and have accidentally done this same thing when talking to others. I immediately call back in and as I am talking to the next person and come to a solution that representative tells me that my account was closed. I did not instruct anyone to close the account. With some help the account was reopened within 24 hours HOWEVER I am now told that not only can I not change my account to avoid the annual fee, but I am also not able to have the fee waived all of this stemming from a rule that exists which states you cant change your account for 12 months. It is n't fair to me that I cant convert to a no fee account now because someone closed my account. At this point I am told my only option is to close the account all together to avoid the fee. It just seems wrong to do that to a customer given that the call was dropped, and a representative transferred me to the retention department whose policy is to close accounts if calls are dropped. In this situation you would have thought that the representative that I was speaking with when the call was dropped would have tried to reach out to me or note the account or something.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Protection Association, L.P. (IL)

They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said " we 're not going to send you anything ''.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I pulled my credit recently and discovered many mistakes on my file, from address and account information on several that are not mine orstill showing a balance and it is charged off. I am enclosing a detailed letter that describes what I am complaining about
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I am writing to complain that there is XXXX online wire transfer {$5800.00} from my citibank checking account # XXXX on XX/XX/2022. I did not authorize this transaction nor was I contact by citibank to verify this wire transfer. I complain to citibank by phone, email and in person at the branch right away. Also I tells the bank I don't have online wire transfer account and I do not use that service before at all. However, citibank denied my claim. Case number XXXX. 
In this case citibank failed to verify that the transfer has been properly authorized. In its client manual page 19 it says : '' when place an order for a fund transfer, we will follow a security procedure established for your protection and our to verify that the transfer has been properly authorized. You understand that the security procedure is designed to only verify the source of the fund transfer instruction. '' Citibank did not follow the agreement, so it should compensate for my lost. 
Bank statement, contract and correspondence from the bank are attachment.
Consumer complaint received 2021-04-22
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. (TX)

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are also reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-04-22
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. (TX)

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are also reporting that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.