davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

I continously receive mail related to a mortgage payment from Ditech- a mortgage servicer. In XXXX I received a XXXX to XXXX after Ditech dismissed the foreclosure case because of forged signatures and the wrong loan amount. 

I received a " XXXX of XXXX of XXXX XXXX XXXX ''. This came from XXXX XXXX, the admitted owner of the note. I only have XXXX mortgage. 

Ditech continues to attempt to collect on a mortgage when I, the property owner received a release of deed of trust because Ditech admitted in court that the title company forged my signatures.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (VA)

Knights Adjustment Bureau ( KAB ) - I contacted Knights adjustment Bureau on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. KAB proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as KAB continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and XXXX   shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Consumer complaint received 2017-10-08
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. (DE)

There are two fraudulent XXXX accounts being reported on my credit bureau reports. One is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all 3 national credit bureau agencies XXXX, XXXX and Trans Union advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (TX)

I have previously complained about Prosper about identity theft, I have provided them will all the documentation supplied but they responded and closed the  complaint with no resolution. I am again attaching all the requested information and requesting this be deleted from my credit profile and removed under my name. If this is not resolved, I will take to Small Claims Court for damages.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2022-02-28
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XXXX XXXX I sent Capital one a letter to validate credit card collections they placed on my credit report. 
On XX/XX/XXXX XXXX they responded with a letter asking for more information On XX/XX/XXXX, XXXX I responded with all the information they requested. 
On XXXX XXXX Capital One responded with generic information, stating they could not give me any statements on these accounts. 

They failed to provide sufficient proof that these accounts are mine, they provided no information such as statements on any of the accounts, in order for me to review what they are saying I owe them was in fact done by me, they are continuing to report these on my credit report, which they have violated the FCRA and FDCPA. 

Ive included all documents that were exchanged between Capital one and myself.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

On my credit report, I noticed a collection. After paying the company ( XXXX ), the collection came back as I hadn't paid when I did. It led me to believe that either the credit bureau or the credit agency didn't do their due diligence. In addition, I attached the confirmation that the balance owed had been paid and that the credit collection company should remove the debt since it did not own it since it had been paid by me. Also, I called into the credit collection and the agent advised the address I provided was incorrect which is impossible because ive stayed at the same address for years. The credit collection company clearly has inaccurate information and this needs to be removed from my credit report.
Consumer complaint received 2019-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019, I filed a dispute with Transunion regarding inaccurate fraudulent account that is not my account on my credit report. 
On XX/XX/2019 I again filed a dispute regarding the same inaccurate fraudulent account that is not my account. 
On XX/XX/2019 I received a letter from Transunion dated XX/XX/2019 stating the results of the investigation of disputed item is DELETED. Their letter states the item was removed from my credit report. 
On XX/XX/2019 I received a new copy of my credit file and they continue to report the inaccurate item. I want this item that was stated to be deleted removed from my account immediately.
Consumer complaint received 2017-10-24
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. (TX)

XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am behind on my mortgage payments and am going through the short sale process. I have submitted all my paperwork to Wells Fargo and they are currently reviewing everything. I also have an offer on my home which I have submitted as well. I now have a foreclosure sale scheduled on XXXX/XXXX/16 and they are telling me they do n't know if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Thank you in advance for any help you can provide.
Consumer complaint received 2024-03-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (PA)

XXXX. Requested Payoff XX/XX/year> XXXX. Told " can not give payoff because loan is being transferred to HUD '' XXXX. Why were we not notified? 
XXXX. Why is loan jumping from {$110000.00} to {$120000.00} after transfer? 
XXXX. Why were we not notified? Again-same question. 
XXXX. Can we speak to a supervisor? Hung up on XXXX by XXXX ID # XXXX XXXX. Spoke to XXXX ID # XXXX to speak to supervisor - no. Asked him XXXX why we weren't notified and he said " you will be notified by mail AFTER Loan is transferred '' ALL UNACCEPTABLE AND NOT ANSWERED!
Consumer complaint received 2016-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Recovery Corporation (AZ)

I was going to sign up for XXXX through healthcare.gov, but when I found out that I would only get coverage for one month through them and then would have to switch companies, I decided to just go without insurance for one month. I called XXXX and told them I did n't want their coverage for the one month, and did not pay the premium, thus never activated my insurance. I have now been sent to collections through XXXX for a premium I should n't owe. They never provided coverage to me. I told them I did n't want their coverage, which again they did n't ever provide because it was never activated for that month. In addition to my complaint that they are billing me for services they never provided me, as far as I know through the affordable care act, it is illegal for them to send me to collections for an unpaid medical premium in the first place.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

I am a XXXX XXXX XXXX on a limited fixed income. I applied for a best buy XXXX credit card about a XXXX ago so that I could XXXX XXXX XXXX. Ever since then I have paid between $ XXXX {$150.00} every month to keep up on payments. I have an auto pay set up now for {$150.00}. So with this in mind I assumed, ( HUGE MISTAKE ), I would be not only paid up to date but ahead! This far from the what is occurring. Even though I am making the {$150.00} I am also being hit with 25.99 % interest PLUS ... a 4 % interest fee for something I have no clue why!!! I am, as of this writing ( XX/XX/XXXX ),  almost {$1800.00} behind. I asked how I could catch up and was told that at my present payment it would take " about '' year. Guess they could n't calculate how long it would take. So I asked again what I could do to catch up so that I am not paying over {$35.00} in interest fees plus another 4 % per month. I was not given an answer. I fully understand that I made a purchase in XX/XX/XXXX, however, the interest fees were higher than the items I purchased. That is in spite of the fact I made a {$150.00} payment. I want it to be clear that I have never missed a payment on ANY of my bills. I always submit higher payments than the monthly minimum, currently, the minimum is {$58.00}. S this is how I see what going on .... {$1800.00} balance. {$150.00} payment minus at least {$34.00} in interest plus {$58.00} for monthly minimum payment. This comes out with {$58.00} left over to go towards future payments Am I nuts? This does Not seem appropriate considering I have NEVER missed a single payment. I was told that I had bought something, they did n't tell me what or how much it cost, at a certain interest rate and had XXXX months to pay that item off. Again, maybe I 'm XXXX or XXXX, but it seems to me with the payment amounts I make every month I should be well caught up. HELP PLEASE!!!
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (FL)

It has been a back-and-forth battle with the rude company, who falsified payments charged back my payments. I was making my payments every week on time and when I question why my balance wasnt going down suddenly they wanted to reverse my payments, then charge me. They had their towing company stock my house because I told them that I was going to sue them for wrongful damages Trespassing on my property falsifying documents. They illegally told my car with an involuntary repossession with all of my stuff in the car refused to give me the location to pick up my car or my personal belongings. They kept my tag. My credit cards were in the car. My drivers license was in the car my Social Security card was in the car, when I tried to contact them, they acted like they had no idea what was going on the one lady that I spoke to told me it was none of my XXXX business, and that she refused to speak to me because I had filed several complaints with the XXXX XXXX XXXX about this company They are the worst company ever and I demand an apology and a resolution. Ive got nothing but cursing and belittling, and the worst custom service I have ever ever experienced my life. Dont ever go with this company and if you are recommended to them, find another finance company, they dont care about your business!!
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. 

PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. 

Please note, PNC did not contact me re this. 

I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. 
That night, I contacted the Police, filed a police report # XXXX. 

I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX  XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (IL)

Under the FCRA I have the right to a fair and accurate credit report upon reviewing my latest credit reports I see that there have been multiple accounts opened and reported in my name that I didnt authorize nor were aware of I am XXXX havent had credit in 8+ years please remove the following credit cards from my credit reports Accounts Opened ( Without my authorization ) : CB INDIGO/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have spoken with capital one about several inquiries that have shown up on my credit report and they have failed to contact me back with this issue. Its been an ongoing issue for about 5 months. 

Inquiry - XX/XX/XXXX - Capital Auto Finance Inquiry - XX/XX/XXXX - Capital Auto Finance Capital one has never been given permission to run my credit. I am asking for these 2 inquiries to be deleted.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently sent requests by mail for my full investigative file from TRANSUNION. My requests were repeatedly ingnored. I received credit reports in the mail dated XX/XX/21 & XX/XX/21. I specifically requested my file and stated the request should not be confused for a request for my credit report. I have sent follow up including a bill of particulars for this violation.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (CA)

I called LendUp and explained that my account is still open but being reported as closed on my credit report. I was asked to take a pic of the account showing its closed. I took one picture because its been reported to all credit reporting agency. They told me it would be a couple days and should be resolved and it still remains on my credit report dropping my scores because its listed as closed. They reported it closed because there was a .89 transaction made on the account last month that was not by me. So instead of calling, emailing, texting or evening faxing they decided to report my account as closed. The first time I called about the problem their attitude was terrible and they transferred me to the fraud department. They put me on hold and then hung up the phone and never called back. The fraud department operator was very rude and nasty to me. Terrible customer service and the company communication is the worst I have ever experience or seen in my life. LendUp could care less what it did to my credit report they just keep claiming it will be fixed. After 4 phone calls to the company its still on my credit report.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HANCOCK WHITNEY BANK (FL)

So, i contact my bank Hancock & Whitney on XX/XX/2020. I was charged double bounce. For one check. fees in the amount 36 same transaction. I was also charged monthly fee also XXXX dollars. This account my child support direct deposit because other parent is unemployed at this time. I am not receiving payment. Pandemic is that happening. I call and talk customer service. I was told nothing he could do help me about these fees. I would like back XXXX. It absolutely isnt time bank advanced customer. I deposit money in hold for 6 days so charge another bounce fee. This absolutely awful.