davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

We have a Insurance claim with a loss date of XX/XX/2018, where remediation was completed. Now our house is torn up and we finally got the remediation check from the Insurance company. The mortgage company, Flagstar, was put on the check so we call them and asked them how to have it signed off on to get the funds. We were sent a check list and told if under 10,000.00 they would only need the check signed and the Insurance estimate. We overnight this to the mortgage company. There was a few days later the check for the rebuild that exceeded the XXXX, so we got the remaining information they wanted and sent it by priority mail. This was delivered on XX/XX/18 @ XXXX. We have called two times and this last call on XX/XX/18, they are telling us they do not have the information and that it take up to 48 hours to get the information in the system. Note it has been over 48hrs. They will not release any of the money and the manager stated that he will only send an email to see if they can find it. In the mean time we have had our house torn up with the remediation, that was completed over three weeks. The contractor is waiting on getting paid to put our house back together. I have been an XXXX for XXXXyrs and have never heard of any Insured having this much trouble with a mortgage company. We need help to get our house back together. This has been going on for almost 3months and it was not even a natural disaster.
Consumer complaint received 2023-03-22
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. (OH)

My Cross-country Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with Experian & XXXX. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, Experian determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with Experian, providing once again the proof of payment. 


XXXX has not updated m report after closing the investigation.
Consumer complaint received 2018-09-28
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: AMERICAN EXPRESS COMPANY (LA)

My wife opened a credit card in her name and had my name added it to it later to help build my credit. In XX/XX/2017 my wife had unexpected XXXX XXXX and was mostly unresponsive until XX/XX/2017. I had no knowledge of the American Express card at this time to make payments. I began to get phone calls from family members, specifically my grandmother, stating that American Express was calling them 3 to 4 times a day in regards to a credit card bill. How is it lawful that a credit card company can contact family members and inform them of debt? That is a violation of my privacy. I reached out to American Express in XX/XX/2017 and they informed me of the balance which was astronomical and I told them it had to be incorrect and to please send statements to my address. Next thing I know, we are being served with a lawsuit from an attorneys office. American Express 's own card member agreement states it will send you notice of intention to file suit 30 days before it does so to allow you to work out the bill with them. Not in this case! And as it turns out, my wife reported the card stolen and tons of transactions were made that were not ours. Not to mention almost 5000 dollars in interest and fees!! I try to dispute the negative items but American Express says I must take it up with the attorney 's office. The attorney 's office gives no response on how to handle the fraudulent charges. Now the attorney 's office continues to sue us and file court documents in the wrong parish, causing me to miss entire days of work traveling to a different parish because the attorney 's office won't acknowledge they are filing in the wrong parish. They have filed a total of 3 court documents in the wrong parish, which by FDCP is {$1000.00} per violation. My wife filed bankruptcy because of medical debt and included this card in it. 

American Express has violated SEVERAL FDCP rules. 
1 ) filing in a parish where I do not live 2 ) Harassing phone calls to family members. My grandmother thought I was going to be arrested. It's extremely embarrassing.

3 ) Illegally informed third party about my personal debt 4 ) Failed to send written debt validation letter. Violated their own personal card member agreement by not informing us of their intent to file suit 30 days before.

5 ) Ignore my requests to dispute fraudulent charges ( I have a police report that proves card was stolen. ) 6 ) Collecting interest/fees/money not owed. Thousands of dollars charged in interests and fees.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (KY)

Was making payments to XXXX XXXX XXXX for a cell phone bill. They decided to send it to collection company. I have sent letters requesting proof of the bill. I have gave time according to the FCRA but have not heard anything from the agency. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I received a text message from an unknown number notifying me of a fraud alert on my Wells Fargo account. I called Wells Fargo to speak to a representative and as I was on the line the same Wells Fargo number called me and the person on the line said they were a Wells Fargo representative from their fraud department. They told me that someone by the name of XXXX XXXX scheduled a transfer of {$500.00} from my XXXX account to their XXXX XXXX XXXXXXXX account and to reverse the scheduled transaction I had to create a new transaction by enrolling them into my XXXX account under my last name then again under the name " Fraud '' and sending the scheduled amount of money to reverse the transaction.
Consumer complaint received 2022-03-29
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)

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

Transunion and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

U.S collection West, inc is trying to collect a debt that I do not owe. They are trying to collect {$1700.00} as of XXXX XXXX. They believe that I owe money to XXXX XXXX XXXX in the year from XXXX, however I never lived in those apartments.I have information stating where I live in XXXX and XXXX
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

Fay is trying to force modifications in lieu of simple 4 month repayment - this is predatory and lacks integrity on their pary In XX/XX/2019, my job became unstable and I knew I had to reprioritize pending a new job - during this time - Covid19 hit and I then lost my position - I have repeatedly tried to pay payments to Fay which they refused and stated all or nothing - finally, a repayment was discussed over the telephone and they agreed to consider. two weeks later, their option was a fully new loan/modification - exceeding my original balance 15 years prior and at a higher rate I declined and said I needed only a plan to repay 3 months and get current - Fay is abusing the issue and refusing payments of any kind. They are trying to force a modification or foreclosure - for a simple 3 month late payment.
Consumer complaint received 2018-09-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (MI)

Calvary Portfolio Services has called my place of employment 5 times on XX/XX/2018. 

Calvary Portfolio Services calls my personal phone at least 10 times a day everyday I do not want Calvary calling my work or my cell phone and I have already asked them to stop!
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

I have a refund on a XXXX airline flight that was purchased with Chase XXXX. They owe me the money for the refund amount of {$800.00} since the money transfer process is completed from XXXX 's account. The refund was bounced back to a Chase mastercard that I do not owe- its a corporate MasterCard. I have been in contact with Chase XXXX to locate this refund for 2 months without success. The Chase customer service is unhelpful and unresponsive. I have tried to contact them through X ( XXXX ), filed a complaint with Chase, and called them 5 times already. Each call ends with a scheduled call back that they never end up doing. Chase bank owes me the {$800.00} with interest since XX/XX/year>.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance to the Fair Credit Reporting Act : XXXX funding acct XXXX XXXX XXXX manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.
Consumer complaint received 2021-04-05
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. (TX)

Experian is reporting inaccurate payment history and activity. They are reporting current activity for a closed charge off account. And also accured interest on a closed charge off account. 
And also failed to provide me with the method of verification 3 times. 

XXXX XXXX XXXX account The payment history is wrong. Reporting every month up until this date is illegal since its closed and charged off way back in 2017. And the late payments are not reporting correct late payment sequence. 

XXXX XXXX Account was XXXX $ now its XXXX $ How is that when its closed how is interest added to an closed account.
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (KY)

On XX/XX/2018 A Motion for Judgment on the Pleadings was mailed to my residence from Lloyd & McDaniel stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to Lloyd and McDaniel stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. Lloyd & McDaniel used this letter as an answer to an unserved  summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

Lloyd & McDaniel was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that Lloyd & McDaniel has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Constar Financial Services, LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exist
Consumer complaint received 2023-03-22
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. (NC)

I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

We are military. This has gone on through one move. 
XX/XX/XXXX bought furniture paid in full while living in XXXX, XXXX. 
XX/XX/XXXX furniture delivered in XXXX, XXXX XX/XX/XXXX notified merchant furniture was damaged - XXXX, XXXX XX/XX/XXXX independent furniture repair co. ( XXXX ) hired by merchant evaluate the furniture and deemed it damaged not delivered as agreed- XXXX , XXXX XX/XX/XXXX second independent furniture repair co. ( XXXX ) hired by merchant evaluated the furniture and deemed it damaged not delivered as agreed- XXXX, XXXX XX/XX/XXXX - Merchant offered to re-order and deliver. In good faith we accepted re-order and delivery XX/XX/XXXX - New delivery damaged once again by delivery crew, so we refused delivery. Did not pick up old furniture because crew did not have " orders '' to do so. - XXXX, XXXX XXXX XX/XX/XXXX - Merchant agrees to have old furniture picked up and apologizes for confusion - XXXX, XXXX XXXX XX/XX/XXXX notified merchant in writing that we wanted a refund, nothing else. Merchant said they would not give us refund, we would have to take old broken furniture and pay for delivery since we had refused it. - XXXX, XXXX XXXX XX/XX/XXXX Merchant called to notify us that furniture was back in their possession. 
XX/XX/XXXX sent another email asking for refund and pick up of their broken furniture XX/XX/XXXX filed dispute with USAA credit card, that per XXXX the goods were not delivered as agreed upon. 
XX/XX/XXXX USAA denied dispute stating that the merchant is willing to work with us ( this is not true ) XX/XX/XXXX elevated dispute with USAA. 
XX/XX/XXXX USAA request we contract a furniture expert to evaluate furniture in order to re-open and address our credit card dispute XX/XX/XXXX for {$150.00} XXXX rep came to our home to examine furniture and give us a written report confirming that furniture was not delivered as agreed to and that it is indeed broken XX/XX/XXXX USAA once again denied our dispute because the merchant is willing to work with us. We explained again that what the merchant wants us to pay THEM {$770.00} to pick up their damaged furniture and they will refund the rest of the money. They NEVER put this in writing, it is all verbal.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (NJ)

Hi During my kids eye test for XXXX XXXX, all medical insurance details were provided to XXXX XXXX XXXX   XXXX   XXXX XXXX, NJ. They checked the insurance and mentioned we were covered for the services. Instead of collecting the money from the insurance company, they reported to it to debt collections agency who then send it to credit reporting agency as uncollected debt. 

We had told the debt collectors that the insurance details has been given, yet they refused to collect it from the medical insurance company. This has impacted my credit score. Needs to immediately take corrective action else we will follow with legal action. 

Details below Opened XX/XX/2018 ( 3 mos ) Account status Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX, NJ Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Georgia Student Finance Authority (GA)

I have been battling this loan company since the inception of the loan. They keep reporting me as late when the account is supposed to be in deferment. At the start of the pandemic I was told that my account was covered in the federal stay ordered my the President but my account was still reported as late. I was told to dispute it for correction but instead they verified. it. I spoke with a supervisor XXXX XXXX who was supposed to look into this and call me back but never did. The I spoke with her Sup a XXXX XXXX XXXX who assured me she would correct the reporting and the account was to be in deferment. Not only was it not corrected they now have 4 late payments reporting. The only thing reporting late on my credit and its killing my XXXXredit score and preventing me from being able to make financial moves
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, LLC will not stop calling me even though I've requested many times that they stop calling me. I'm a XXXX Veteran currently living on SSI while I await my claim with the VA and suffer from XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX and many other illnesses. 
The last time they called was XX/XX/2018 around XXXX and the lady said her name was XXXX XXXX.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am rewriting my complaint as the system threw me out and when I signed back in, there was nothing saved here as there is no draft system. Kindly create a draft system here so I wont have to waste another hour. 

I will have to keep it much shorter than before this time. Capital One did not look into a fraudulent card activity I have been asking them for the past 6 months. When provided with all the evidence initially, they stated only recently that they did not receive all of my XXXX documents 6 months ago and neither is there a way for a customer to verify how many documents were successfully sent since they have to be sent on their software upload system and not by email directly. 

Just recently XXXX 12 days ago ) they informed me that they did not receive all documents 6 months ago, hence why they keep favoring the merchant that is causing the fraud. Then they asked me to resend the documents individually per every email upload system. After successfully doing that, they then called me 3 days ago and said they are closing my entire complaint because I ran out of time and awarded the merchant to continue with their fraudulent activities. XXXX was the company involved that took out money from my account without my permission and never responded to my complaint even when asked 4 times. Then at XXXX point they even promised to reimburse me the money but then when they found out that Capital One is not investigating them long enough ( based on incomplete documents perhaps XXXX, then they also stopped responding to me.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (OH)

Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, XXXX, EQUIFAX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX  XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.