davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
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. (NJ)

XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXXand have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/XXXX. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX. Over the six ( 6 ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( 5th ) month so US Bank could determine my options. 
In late XX/XX/XXXX I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/XXXX First monthly mortgage payment due : XX/XX/XXXX XXXX payment was made : {$860.00}, with {$130.00} addl principal = {$1000.00} XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation was given, other than, I would have to reapply. 
XX/XX/XXXX payment of {$860.00} accepted, confirmation # XXXX I am still unable to make direct online mortgage payments.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have submitted the sam e 1 page of paper work from   XXXX   XXXX   5 times since  XXXX  to remove their info from my credit report. It is for a Foreclosure.   XXXX   XXXX   has acknowledged and states in their response to me which I have sent Experian they were INCORRECT in filing the information on my cre dit history.After  submitting this to Experian and hours on the phone with them, they asked on the last submission  XXXX  I submit it vi a internet .The other s I mailed because I was unable to scan the documents until the last submission.They responded with wanting my I.D . again which I have sent at leas t 2 others ti mes on this complaint.I mailed it with a signature required  XXXX . on  XXXX . I sent m y D.L., SS  Card, and Passport. They have responded again with a refusal to remove inacurate info even thou the company who subitted it wrote a letter they made a mistake I submitted everytime.The other  XXXX  credit Bureaus have removed it the first time 6 months ago. I am now blocked off there site when I just tried to dispute this again. It seems whoever is handling this, it has become personal for some reason. Maybe they believe I wo n't take steps to try and rectify this. I was trying to buy a home. This is the only thing standing in my way. The correct information is a Deed  in Lieu for my sinkhol e home by  XXXX   XXXX   XXXX   correctly recorded  XXXX . It was purchased  XXXX  for remediation and people are living in it.   XXXX   XXXX   made the error  XXXX  .Experian nee ds to know they ca n't do this.They do n't like my attitude by now I 'm sure, but that is no excuse to play  XXXX  with someone 's credit history. I have the   XXXX   XXXX   letter, Clerk 's Office Copy of last  XXXX  when my name was taken off and signed to  XXXX . The new owner 's info  XXXX   appraiser 's of fice. I sent ALL of this everytime with my dispute. All I get is a refusal without explanation. I will be on the phone again with Experian and contacting m y State Attorne y General. PLEASE HELP ME!  XXXX   XXXX  I did attempt to download the same docs to your site fro m a flash drive but did not see anything that was apparent it did load. I can readily supply it. Please advis e me if you need it. I tried again at the end before I hit submit but could not tell It 's PDF format and I also tried WORD
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

On   XXXX   XXXX   I sent a payment of {$5000.00} towards the principle to  Santander Consumer USA. The extra payment I sent was not 100 % applied to the principle. They took a percentage and applied it to the principle and the other percentage was taken for interest.   <P/> I had received statements in the past, but did not receive the statement for the month of  XXXX  from  Santander Consumer USA reflecting the {$5000.00} amount I s ent. The last statement I received was on  X/XX/2017   . This statement did not reflect that payment of {$5000.00}. I reached out on   XXXX     because I was worried they had n't received it. It was then that I was told that {$4900.00} and change was only applied to the principle and the rest was taken for interest. The rep that helped me did not know why the whole {$5000.00} was not applied to the principle. As mentioned above, they never sent me the statement reflecting this payment.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Perfection Collection (NJ)

Perfection collection with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (DE)

Professional Account Manage ment LLC h as been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment.  <P/> I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices.  <P/> On  XXXX   XXXX   2017  I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment.  <P/> On  XXXX   XXXX   2017 , I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices.  <P/> On  XXXX   XXXX , I contacted the original creditor who sent the debt to the collector (   XXXX   XXXX   ). They stated that I would receive a return call, but I never have.
Consumer complaint received 2020-01-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (DC)

Cashnet USA has been overcharging me for the past year since I registered with them to receive an initial payday loan of {$1000.00}. I attempted to settle payments supposedly owed on my account because I was charged at over 150 % the initial interest rate I was initially informed I would be charged. I took out a loan of only {$1000.00} for which I do not believe I initially qualified. I received multiple excessive phone calls and messages claiming that I owed different amounts. I was forced into a final settlement of {$1300.00} and in addition, I was emailed two separate charges of {$210.00} on XX/XX/XXXX and {$350.00} on XX/XX/XXXX. This was in addition to being charged {$350.00} repeatedly since XXXX XXXX.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I ordered an item off of XXXX and paid using Paypal Credit. The item was supposed to be delivered within 7-10 business days but was never delivered to me. I checked the status of the delivery online and it said it had been " delivered '' but not to me or anyone in my household. I opened an investigation with the USPS and they said that it was mistakenly signed for by someone who was not me and had no verification of proof of identity even though it was an insured package that was supposed to require proof. It was also GPS-tracked to be delivered to a location that was not my delivery address. I opened a police investigation into the stolen package and received a copy of the report. I opened a dispute with Paypal under their Buyer Protection Claim because I had never received the package and was thus entitled to a refund. They kept closing the appeal and denying the claim and I would reopen it because they did not open the documentation they had requested as proof ( the two investigation reports ). This occurred several times over the course of seven months. I spoke to a customer service rep on the phone on XX/XX/XXXX and they assured me that I would get a refund and they would appeal the decision to close the appeal. I received a notification less than five minutes after this conversation on XX/XX/XXXX saying that the appeal had been closed again and the appeal was still denied. I spoke to a representative again on XX/XX/XXXX who assured me again that I would get a refund and escalated the appeal, and assured me she would contact me again in 24-48 hours to update me on the status. She nor Paypal never contacted me again. I called the company again on XX/XX/XXXX and escalated my issue to the " top customer service representative '' XXXX ID # : XXXX. He was incredibly rude and condescending to me, and said the appeal would be closed and the refusal of the refund would be upheld because the " package had been marked as delivered, '' even though as explained and proven with the evidence the package had been stolen. They refuse to comply with the terms of their own Buyer Protection Service and refuse to issue me the refund that I am entitled to because I have proof that I never received the item as it was stolen.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

I received a copy of my credit report on  XXXX / XXXX / 2017  and noticed that Receivables Performance has listed an alleged debt on my report for {$460.00}. I immediately contacted this company by certified mail #  XXXX   XXXX   XXXX   XXXX   XXXX . Receivables performance was in receipt of this letter on  XXXX / XXXX / 2017  that informed them that I am disputing this debt as this account is NOT mine and I have never done business with the original lender or this third party agency. I requested full validation/verification on this account and per the FDCPA, gave them 30 days from the receipt of the letter to complete this request. Per my rights, failure to verify the accuracy of this alleged debt is grounds for removal. As on  XXXX / XXXX / 2017 , Receivables  Performance  has ignored my request and failed to provide the information I have requested. This account is not mine, and I have NEVER done business or signed a contract/agreement with the original lender or the third party that is inaccurately reporting.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.
Consumer complaint received 2020-05-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL REPORTING INACCURATELY.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

My problem is with my mortgage lender Wells Fargo. I continue to get conflicting information from their loss mitigation department in relation to my requests for homeowner assistance programs. One letter  I receive tells me I have been reviewed for assistance options too many times so I dont get another chance to have my information reviewed. A different letter states that my only option is a short sale, but later in the same letter it says that I am not eligible for the short sale program. Another letter states that I am eligible for re-entry review because I have had a definitive change in my financial circumstances. Yet the most recent letter says I cant apply for anything other than reinstatement.  <P/>  XXXX   XXXX  re ceived over   XXXX   XXXX   dollars in taxpayer funded bailout monies. This was  followed up by unprecedented scandal with the fake bank account scam that Wells perpetrated on thousands of innocent account holders. I am not surprised tha t Wells Fargo is talking  out of both sides of their mouth. In an earlier letter sent in response to a Consumer Financial Protection Bureau compl aint, Wells gave one response,  then they sent conflicting information t o US Senator   XXXX   XXXX . I dont know how  Wells Fargo can  get away with this.  <P/> I understand that I have received help in the past and I appreciate it. Nonetheless, I deserve the opportunity for a new revie w. Wells Fargo has obstr ucted the process for over 6 months, and for this reason I want the sale date to be postponed, and I need to be approved for re-entry and a new review for modification, forbearance agreement, restructured loan as well as deferred interest and principal forgiveness programs. I dispute the fact that I have exceeded the maximum number of reviews for assistance and assert that this is a guideline and standard that does not exist. I would like for Wells Fargo to provide a copy of their pooling and servicing agreement for this loan and highlight the specific verbiage that states I cant be considered for any type of he lp. Wells Fargo actually c ontradicts themselves ( please see attached documentation ) in the various letters sent out in relation to this matter, but would like to request a copy of this directive, because I am certain it does not exist.  <P/> I want to stop the games and start the revie w. Wells Fargo has obst ructed access to all programs for well over 6 months and this needs to stop.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase took over my mortgage from another mortgage lender. 

XX/XX/XXXX my home was burglarized and vandalized. 
The burglars did serious damage to my roof to the point that the roof had to be replaced. 
My insurance company sent the roof repair money to XXXX, {$11000.00} onXX/XX/XXXX and {$33000.00} on XX/XX/XXXX for a total of {$44000.00}.

I have been trying most of this year to get Chase to  send me that money so I could get my roof replaced but they continue to refuse my request, saying I haven't sent them all of their required documents! 
Chase told me that I would have to pay for my new roof out of my pocket and when its is done they would send me my insurance money! 
Because of the lack of money, and as the home owner and a licensed XXXX I had to take out the City roofing/building permit myself and I sent a copy of the permit to Chase last XXXX with the information they wanted but Chase ignored my request and continued sending me form letters instead. My roof continued to leak, until I finally was able to install my new roof myself and the City passed it on XXXX, but Chase refused to release my insurance money again, demanding documents that I have already provided and sent to them and demanding documents that do not exist!

Because of Chase ignoring my letters and my request the my insurance repair money, additional water damage was done to my home in the amount of {$8300.00}, which Chase is responsible for, because of their refusal to answer my letters and release my insurance repair money!! 
XXXX, I received a unsigned letter from Chase stating, " We've closed your escrow account '', " We found that you aren't required to have an escrow account for your mortgage loan '', which included a check for {$400.00}, which I was told it was interest on the money that they were holding, ( I have no escrow account on my mortgage loan, only on the insurance repair money that Chase refuses to  release ). Even with the closing of the insurance escrow account, that Chase says that I do not need, Chase still refused to release my insurance repair money!! I wrote another letter to Chase about all of this but they never responded to any of my letters!

Last week I faxed Chase ten more documents that they demanded, but that was not enough, Chase demanded a signed estimate from me, which they already have, and a letter from my insurance company stating that the insurance repair money that Chase is holding is for the roof repairs, which again they already have!!!

Chase has less then a 20 % interest in my home,  what gives them the right to hold 100 % of that insurance repair money in the first place?? 

Chase has a copy of the Roofing/Building permit that was finaled and signed off by the City Building Inspector, so now Chase needs to send me my insurance Roof repair money, and they need to pay the {$8300.00} estimate for water damage that Chase is responsible for, because they refused to send me my insurance Roof repair money so I could stop the water leaks in my Roof!!!
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I have called and reported incorrect names and addresses on my credit reports. After speaking with the representative, I was told they were removed and a updated credit report would be sent. However, as of today, it has not been removed. The alias that is being reported is not my legal name that appears on my drivers license. Also, the  XXXX  addresses is not occupied by me.