davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (NC)

Account with XXXX account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (GA)

I Called Chime Twice About My Money And no one did anything. I told them I was robbed leaving work and I do not keep any passwords on my phone because of my XXXX XXXX XXXX daughter. So I clearly tell them someone stole my work bag where I keep all my important documents in to keep up with them. I even told them I couldnt log into my account and they say they sent me a new card when I never received it. I told them that someone was changing the information on my account. Like I told them multiple time and plus my mothers dead XXXX XXXX how the XXXX can they let anything slide I even sent them a picture of my ID And job form for my badge paperwork. These people telling me where I stay when Im telling them on my ID you clearly see it say XXXX XXXX XXXX XXXX XXXX I been staying In this House Almost my whole life. And I been banking with chime for too long. And this is not the first this happened where someone takes all my money from a bank I thought was safe for me but clearly I was wrong. And Its Like You Guys Do Not Care About My money. Like If I Was A White women my issues would have been resolved in no time and I know this but us being XXXX you guys think everyone of us lie, steal, or not work. But I do because I take care of my little siblings. I worked hard for all my money and for you guys to let that slide 3 times is crazy
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

For about a year, Portfolio Recovery Associates were told not to contact me by either my home or cell phone numbers. In fact, I had never used my cell phone number with the original creditor, so PRA should never have used that number to attempt to collect any debt. Also, they now call and leave hangups on my home phone. They call numerous times daily. I want it to stop. XXXX There are too many dates to list, as they have done this numerous times daily for quite some time. )
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Well 's Fargo Bank closed my account in the middle of my dispute of unauthorized charges in my account. 
They fraud department have deliberately refused to see reasons in my claims as it concerns the unauthorized charges in my account. 
They have not resolved my dispute despite providing police report, a Notarized letter that affirms my claims, etc but they have went ahead and closed my account that still had a balance of over {$17000.00} which I don't have access to. 
Lastly my Well 's Fargo checking was mostly set up by me to use to make as well as receive XXXX payments to/fro professional collaborator but by closing my account in the way Well 's Fargo did XXXX they which have put my professional/personal life in disarray. 
Being that my XXXX is connected to my account, I have payments from collaborator sent through XXXX that are currently in limbo and I don't know how to go about recovering this payments.
Consumer complaint received 2020-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (TN)

I do not recall receiving any info telling me that this bill was in collections. I happened to look into my credit report and saw that this has been reporting for several years. Since it was a low amount, I called the company and simply paid the bill. Even though I was not aware from which it came. After paying this, I contacted the company with no avail. It is still reporting negatively. Please look into this matter and contact me in the upcoming weeks as I am attempting to work on my credit score. Thank you and I am looking forward to hearing from you soon.
Consumer complaint received 2016-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I am locked out of my Equifax free credit report. The questions they were asking me were so wrong, and fraudulent that I am only left to believe my account, credit, identify and social security number has all been compromised. I need to resolve this matter as soon as possible.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (MD)

I am being charged interest on XXXX balances. I have paid off my credit card XXXX months in a row. XXXX and XXXX. I was still charged interest. I was told by a rep that they charged interest daily and even though I paid my balances off completely, I am still being charged interest. Why are they allowed to do this?
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

i am writting in response to your recent communitication regarding a debt you claim i owe to your company, according to the Fair debt collection practices act, i am entitiled to request validation 15u.s.c.1692f
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX  XXXX XXXX, XXXX ,  FL XXXX Bank account being closed XXXX Credit card still open : XXXX I have never had a banking relation with any bank and in fact I have a student credit card Opened with this company. For some reason I tried opening a checking account and it was closed 15 min afterwards. Ive tried to open an account again and it wont allow me to it says I can never open a checking or savings with them. This is very sanding because my entire family has a relationship with Chase and I wanted to keep that tradition. I feel discriminated for some reason. This bank is not allowing me to open up a bank account with them and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen and have a bank account and a relationship with Chase. Im not in XXXX systems or have ever had a relationship with Chase bank or any other bank to cause them to want to not open a checking account or savings account for me.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

We have been trying to find a solution to this foreclosure situation we have been facing with Select Portfolio Servicing ( SPS ) for years now. At first, they reviewed us for the XXXX programs ; then, they told us that we were not eligible due to a " business decision '' by the investor. When we questioned this repeatedly as to what that meant, we were eventually told that the investor does n't participate in the XXXX programs. Why would our income and other underwriting factors be considered if the investor does n't participate in the XXXX program? 
In XXXX of 2016, we were denied for the in-house program as well. However, the gross monthly income used for the review was shorted about $ XXXX/month even though all documents verifying the household income were submitted in a timely manner. We chose to resubmit a new application with very detailed verifications of income. SPS finally got the gross monthly income correct, but still denied us for any mortgage assistance, once again claiming that the investor did not allow for approval of the in-house program as well. When pressed, we were then told that the reason was actually that they could n't make an affordable payment based on the guidelines of the program. When we pressed SPS for more details such as the proposed modification payment and what terms were used to reach that proposed payment, we were eventually told that this is " proprietary information '' that they did n't want to disclose (!!! ). 
We have done everything asked of us to try and resolve this issue and get back on track with our mortgage, but we feel like SPS is doing everything they can to complete the foreclosure process. They have scheduled a sale date for XXXX/XXXX/16!!!! 
How can we not be eligible for the XXXX program when SPS has taken so much bailout money ( almost {$2.00} XXXX " committed '' )? Why wo n't SPS produce this servicing agreement that prohibits our loan from any participation in these programs? And lastly, why wo n't SPS show clearly how we do n't have enough income to be modified under the in-house program they offer others? It 's not right that these people keep misleading us as to why we can not get assistance and when we do n't just accept their denial and ask for details, SPS chooses to be secretive ( indicating they 're likely doing something wrong ).
Consumer complaint received 2021-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

My name is XXXX XXXX. XX/XX/2021 Mortgage company is Amerihome Mortgage Company. Loan # XXXX On XX/XX/2021, Amerihome Mortgage automatically deducted a payment of {$2600.00} out of my XXXX XXXX  account without my permission or acknowledgement. I called them and they admitted their system had made an error and that it would be reversed. They said it would take 7-10 days to show up in my account. This also over drafted my bank account 4 times of {$36.00} each for {$140.00}. After waiting 10 days and it never showed up I called them over and over asking where my money was. They then told me that it was being reviewed by a committee. I called over 20 times to get the issue resolved. I also wrote letters to the department heads as well as the VP and the CEO. I have also asked for a supervisor 5 times and was promised one would call me back, no one ever called me back or wrote back. I called in and spoke with a supervisor on the last day of the month and she told me not to worry that it would be reversed and I would not have a 30 day late on my credit. Today I received a letter stating that my XXXX payment was now late and I am in danger of foreclosure, and they are reporting me 30 days late on my credit which is unforgivable! They have never returned the funds that they fraudulently took and now they do not show that they took it out. or that I made a payment. I can prove that they took the funds and I can also prove that they never returned them to me or XXXX XXXX. I have called them repeatedly to help me and no one will. I have asked 5 times to speak to a supervisor and not once has one called me back. They are now telling me that they issued a check on XX/XX/XXXX but I never received a check, they also show that the check was never cashed. They claim they can't help me because they are all working remotely and can not get anyone on the line to correct the situation. PLEASE HELP ME ASAP!
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I had an account with Comenity BankXXXX XXXX This account was sold to the collections agency XXXX XXXX in XXXX. Both XXXX  XXXX and Comenity Bank were reporting derogatory statuses on my credit report which led to an negative impact on my financial abilities. I contacted Comenity XX/XX/XXXX to make a payment but was told the account was sold to XXXX XXXX. I contacted XXXX XXXX  and paid the account XX/XX/XXXX and their reporting was removed from my credit report entirely. I was told the trade account would be removed also. Comenity Bank has continued to report the account monthly as a charge off. Since the account was sold it should have been removed completely. I have filed numerous disputes with the company and called without success. I need the issue resolved so that I may re-finance my home.
Consumer complaint received 2021-06-05
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. (TX)

fcra not mine remove it XXXX This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 

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 2024-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I received Ss XXXX in XX/XX/XXXX due to XXXX XX/XX/XXXX I was not notified until XXXX XXXX XXXX XXXX XXXX told me to ignore all bills ( don't have date handy ) because they only billed XXXX XXXX They said they'd resubmit to XXXX. I'm in contact XXXX XXXX  almost daily as a result of XXXX XXXX This should not have gone to a debt collector! Unfortunately due to my XXXX I have XXXX  XXXX  & didn't know I had to follow up that they did their job! I'm available most days but no one contacted me. This letter is harassment & threatening. I have a lot XXXX XXXX XXXX & keep my phone on mute often m I did not get one voice mail! I will contact a XXXX representative to assist me when I'm able first off I'll try calling you by Friday. I have 2 insurances & took the bill twice to XXXX XXXX XXXX & was told to ignore bills, I called XXXX billing & was told the same. I'd like to have information as who sent it to debt collectors instead of Medicare? Please provide that in response with name & date of service you are requesting payment from. Due to my XXXX my sleep patterns have changed & I'm usually up at night & tired during the day. 
You can email me or call between 3-5. This is wrong & I need to contact the state & office for XXXX which isn't easy to get through. I'm cognitive and able to representative myself but will not pay a debt collector for a bill that # 1 no one can tell me what it's for. # 2 I have Medicare & XXXX!
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC (AZ)

Hi. I had an XXXX  XXXX done on my XXXX  in 2020 and I was having trouble making the payments with the veterinary office. I have a long-standing relationship with the vet and they had put me into collections they decided to go ahead and take the payments from me directly and they called to the collection agency several times and told them to stop contacting me that they were working with me directly I brought this to the veterinary office attention a few times and they keep telling me that they have called them. This agrncy is a company called Qualia collection Services located in XXXX California who is telling me that I'm still in collections even though the vet has explained this to them. I have made five payments to them in the last two months. The payments were made directly to the vet who called off the collection agencies and instead are accepting payments directly from me. I just called the collector to explain and I was told that I'm still in collections and it's my problem. Very rudely hung up on. I will be attaching two of the receipts that I have on hand with me now. I apologize I left the other three at home but I'm sure the vet will be able to present the receipts as well. And I do have them if needed. I do not want to be threatened and kept in collections for a debt that's being paid to the veterinary office directly.
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NV)

In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX  is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I have supplied an Affidavit to Experian and have not received a proper response. I requested Validation Pursuant to 15 USC 1692g. I have not authorized nor benefited from listed account. Block and Remove.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

I applied for unemployment the beginning of XXXX. I had to get the debit card they offered because they wouldn't accept my routing number for my bank account. The unemployment was approved and it says 3 payments have been put on the debit card but I still haven't received the card. 

I've called Way2go several times and waited on hold for a total of 10 hours only to have someone answer the phone and then hang up on me. I can't report the card lost or stolen because I never received it and set it up. Way2go requires a pin number for the card to report it lost and I don't have one set up.