davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

I have car insurance with XXXX  threw an agent my insurance monthly is no more than XXXX dollars my policy term XX/XX/2020- XX/XX/2020 was cancelled - all unearned premium should have been adjusted and no balance should be owed on that account which is account number XXXX My insurance agent sent them a letter as the agent is brown agency phone XXXX - When u have a car if u dont pay the insurance they cut you off give u a 7-14 day grace to pay whats owed for the month and if u dont have insurance how are they billing me 800.00 plus dollars when my insurance was only XXXX a month - I owe nothing and I currently have an account with XXXX this debt is incorrect - I have tried to resolve please help me Caine & weiner saying I owe XXXX $
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a XXXX lateness on my account from XXXX to XXXX. The issue I have with capitalone was that I was not notified of my outstanding balance on this account. The only reason I got to it 60 days late was that I decided to log in to capitalone 's online website and saw that there was a balance. I immediately set up payment arrangement for XXXX, XXXX and XXXX and paid off the balance. Normally I get notified through text or email which I had previously set up in the online alerts section of their website but because of an error in their system I did n't receive those alerts. Because of the error I disputed the lateness with capitalone. After going back and forth with them several times through letters I wrote the company they still have not complied with my request. I have had this account open and in good standing for almost 5 years now and have never once missed a payment.
Consumer complaint received 2017-12-18
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. (AZ)

I am a victim of identity theft, and There is a fraudulent and unauthorized hard inquiry listed on my Trans Union credit report. The hard inquiry do n't belong to me. The hard inquiry is fraudulent and unauthorized.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I have 7 synchrony accounts and all of them were closed by synchrony within the last 4 days. No notice, or nothing was received. I used one of my cards on the XX/XX/2020 and went to use it tonight XX/XX/2020 and it was closed, I thought maybe I did something wrong. I called the credit card and they said synchrony closed my account. I then logged into my other 6 synchrony cards and saw that every single account was closed. This is going to hit my credit score very badly!
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2015 I desperately requested for CFPB to please listen to my complaint and give me a resolution.. I am now again desperate and frustrated and after providing six or seven financial packages, I am now desperate. 
I now do not qualify for I can no longer use my wife as a contributor. We are legally married. However she is not on the mortgage or the deed. My wife has always contributed. We purchase this home together for our children. 
I began to default on our mortgage when she was injured and was not able to work. I lost her income then an now again for Chase FHA guidelines no longer accepts a contributor on the loan. She i s my legal wife. She i s now on social security XXXX .. This is my primary residence.. I want to preserve my home. I want to make payments. 
Chase has taken their time in providing a resolution and I am now incurring a larger balance besides the fact that my home does not appraise. .I also had to hire an attorney to expedite the process. 
I have appeal various times this loan. What else could I have done to maintain my home. 
My wife now has social security income and I work full time. Please I want Chase to provide me a work out plan that i s affordable..
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX account number XXXX, and XXXX XXXX account number XXXX, XXXX XXXX XXXX accounts XXXX, XXXX, US Dept of EdXXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX. account number XXXX, and -account number XXXX has violated my right s under Article 15 USC 1681 section 602 ,8 I have a right to privacy and 15USC 1681 section 604a.section 2pPermissible purpose of consumer reports can not furnish my report without my written instructions, and 15 USC code1692c. can not communicate with debtor 's the I was not aware of these debts until I accessed my credit report and dealing with identity theft and being denied housing because of this negative entries on my report I had know knowledge of and I ask credit bureau to remove these items several times and they refunded and didn't to a proper investiga tion.
Consumer complaint received 2021-05-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Network Inc. (FL)

I contacted my mortgage company, American Financial Network Inc. at the beginning of the month of XX/XX/XXXX. I made contact with American Financial Network Inc prior to my late payment date of XX/XX/XXXX in attempt to work with them on how to avoid a delinquent payment that month, due to hardship. I was transferred to several departments including the mortgage refinance department whom failed to provide me with assistance or information needed in order to avoid delinquency. Aside from several transferred calls, I was hung up on and put on hold for long wait periods. Eventually I was transferred to an outside collection agency that informed me that they could not help me because my payment was not yet late. The customer agent stated that I must be in delinquency in order for American Financial Network Inc. to provide mortgage modification options and that they could not proceed with a forbearance or any other type of loan modification over the phone. I was instructed to fill out a generic set of modification forms that did not apply to my circumstances. I was also advised that the loan modification was not guaranteed. Due to the fact that my husband and I are XXXX XXXX XXXX whom rely upon contract XXXX work and are at the mercy of the flailing economy, we contact our mortgage lender as soon as we foresee any loss of income that will enable us to pay our mortgage. We lost our home in XXXX due to being denied mortgage modification thus we are terrified of a repeat scenario and weary to participate in any mortgage modification that requires that we are in default or delinquency in order to qualify.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (NY)

XXXX  XXXX  XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card
Consumer complaint received 2021-05-22
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Late payments have been placed on my account. When it shouldnt have after a total loss in XX/XX/XXXX. I did a payment arrangement for {$100.00} a month. I guess the system was still doing {$320.00} a month. So therefore late payments was added to my credit report and it also took my score down. I called to talk to them about it but they refuse to take the late payment Off. Also I have seen the balance go up and down on this account also I also tried to bring that to their attention. The dates of the late payments on his account is XX/XX/XXXX XX/XX/XXXX and XXXX and XX/XX/XXXX. Im not sure if they have any other late payments because they have not updated the account since it looks like. This has also stopped me from getting in new vehicle after I had another total loss. XX/XX/XXXX the amount change from XXXX to XXXX and my score dropped.
Consumer complaint received 2021-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2021-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Paramount Capital Group, Inc. (CT)

I paid my loan off in full and they ask me for a {$30.00} fee. First they call it interest. I complained that there is no interest in the first year. Than they call it pay off fee. I complained there is no pay off fee. Now the call it late fee, because the claime I send the pay off check to late. The date for the mtl. fee ( was paied by my companie before ) the XXXX of the month, with a grace period of 10 days. I send the check on XXXX and I will pay the late fee ( witch is in the contract {$15.00} ) if they can proof to me that the check came in after the XXXX. This conversation I hat on Mon.XXXX. On Tue.XXXX, the check was cashed out of my account. Accourding to my bank, a check takes 3-4 business days to get cashed out of my account. So they must have hat the check before XXXX. There explanation : The XXXX was a Sun. and the Post Office is closed. The XXXX was a Sat. and we don't pick up mail on Sat. and you have to pay the fee.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

Lowe 's CC issued through Synchrony Bank. Most of the other credit cards I have used with a promotional purchase will allocate any payment first towards the regular balance before applying any to the promotional balance. In this way, you prevent interest from accruing on your regular daily balance. Well, Synchrony applies any payment first to the promotional balance then to the regular balance. Because of this, interest is accrued even if you have made enough payments to cover purchases made during a billing statement. So whats the purpose of a promotional rate if you end up paying for it first? Multiple times I have argued this with the bank. In the end, they do end up crediting me the interest, but state I have to call them each time payment is made to tell them where to allocate the funds to. I feel this is an unethical trap to accrue fees and a deviation from the norm for other credit card companies.
Consumer complaint received 2020-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient holds the three unsubsidized FFELP and two Subsidized FFELP loans that were acquired while attending XXXX University. As I have informed Navient that XXXX University loss it accreditation and I did not received my degree/certificate. Tis can be verified with the XXXX XXXX XXXX. I was informed since the school closed at no fault of mine that I would be entitled to forbearance/forgiveness, since I was not granted a degree of completion. I have written to informed Navient that I am also in a XXXX 's XXXX and my credits will be transferred. 

I continue to receive harassing phones calls beginning at XXXX throughout the day until various times in the evening up until XXXX. On most days excluding the weekends I will receive 7 to 8 phone calls, no response to any written correspondence that I have submitted and I also receive numerous harassing emails weekly. I would have no problem paying my debt, if I had received my degree before they closed the school. 

Why am I being harassed for XXXX losing their accreditation!
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ID)

I have been working with Wells Fargo since XX/XX/2020 on a 15 year refinance. I continue to provide all of the information that they request. They continue to stall and then underwriting requests more information. I am locked in at XXXX XXXX 
I have had to call different banks for information that Wells Fargo is responsible for. 
( subordination letter XXXX. 
I don't understand why this is taking 10 months and i have spoken with the VP twice now and he also stated that is should not take this long, but has no explanation as why. 
I believe they are stalling and trying to have me give up, since the rate is so good and rates are going up. 
I just want to close and move on. 
Can someone please reach out to Wells Fargo and ask them what is taking so long. 
Thank You, XXXX XXXX,
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (IL)

in XXXX XXXX 2021, an account was deleted from my XXXX file ; on XX/XX/2021, the same account reappeared the amount was XXXX and the company was Gm Financial
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

House was in foreclosure in XXXX due to ex wife not paying mortgage. I had to contact congressman XXXX as Carrington Mortgage Services , LLC would not accept payments from me although I held the mortgage. Once the congressman helped me, I brought the mortgage current and never missed a payment until I was XXXX and forced to go on XXXX XXXX in XXXX for one year. During this period, I tried desperately to get Carrington to work with me in an effort to make lower payments, which would of been Loan Modifications. Carrington would not work with me in any capacity. I was awarded a Chapter XXXX case in XX/XX/XXXX. Since that time, I have complied with any and all request from my attorney, Carringtons attorneys, and the courts to resolve this situation. Carrington has continued to file for Motion to Continue status, requested the same paper work of financial status at least 6 times claiming it was lost or never received, missed deadlines by not responding to the bankruptcy courts, not shown up for court hearings, and in general, I believe going out of their way with these delay tactics. This is costing me unnecessary time, stress and money, and has now cost me my marriage. I want to stress that Carrington Mortgage Services , LLC, has been delaying an outcome since prior to the COVID pandemic. It is my wish that you can investigate Carrington, force them to bring this situation to a close by helping me get the loan modification that my attorney has presented. I dont want to lose my house, I have not walked away from my financial obligations, nor have I not complied with any and all requests. I hope and pray you can help me.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

I reached a settlement about 6 months ago to settle a credit card debt. The debt was over {$20000.00}, but we settles on {$12000.00}. I made five payments in a row of {$1000.00} and then on XX/XX/XXXX, I paid off the balance of {$7000.00}. I have requested now 7 days in a row for proof of payment/settlement and they will not send it to me. They keep saying that they have to wait for an auto generated letter. Their customer service team tells me that the money cleared on XXXX and they can see that the balance is {$0.00}, but they wont send me the statement and I am running into credit repair issues because of it.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2020-11-22
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. (GA)

Experian did not investigate an account on my credit profile for XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I filed for Cares Act mortgage forebearance with TD on SXX/XX/XXXX. I called it in because TD does not allow you to submit any other way. I paid my XXXX payment becasue they told me I may not be approved by XX/XX/XXXX and they would return the money if I ended up getting approved for XXXX. I've been waiting and waiting and waiting for my letter and finally called back and they said the phone rep forget to send it over to the forebearance department and they would send it over again. I should pay XXXX and they will return the XXXX and XXXX payments when I am approved. 

I don't believe them. And because they do not follow up with a message or email or letter when you apply, you have to hope they are putting it through correctly. 

I would like to confirm that this time they are processing my request, and they will return XXXX and XXXX payments to me. I do not have escrow with them, just interest and principal. 

I would also like to suggest they should be required to follow-up in writing acknowledging when they receive a request for mortgage forebearance.
Consumer complaint received 2024-03-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They denied my claim for XXXX different reason and they allowed money to be taken out my account XXXX the person who stole my card was caught with my card and items and is in XXXX .. bank of America prepaid is wrong for denying my claim first day of the night my claim and said that it was made after I submitted the claim then they denied my claim and said that I was either the person that made the charges or I knew the person that made the charges then they sent me another denial of my claim telling me that again that the claim was tonight because there was charges that came through after the claim was submitted and I explained to them that it was a bill pay that had came through and that I was the person that made the bill pay so they said that they would be able to use that to deny my claim they also told me that I would also have to submit my next request for my claim to be reviewed via mail that I could not call in and ask them to review my claim I asked him did they do any of the research that they needed to do like look at the video cameras or contact the sheriff that gave me the police report they told me that no they didn't have to do anything that they're denying it and that there's nothing that I can do about it the person I spoke to there her name was XXXX and this is for her she said that she's not going to honor my claim
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (CA)

I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.