davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (DE)

At the beginning of XXXX I attempted to obtain a mortgage prequalification and identified 3 unknown medical bills on my credit report from Transworld Systems Inc. When I contacted them by phone XXXX/XXXX/20 I was advised there were several more accounts that were not reporting on my credit report, but were in their records. In an attempt to get the prequalification done, it was time sensitive pending contract on new construction, I paid ALL the bills. I asked that a confirmation letter be sent. Ten days later I had not received the confirmation letter. I asked that it be faxed and mailed. The first week of XXXX I still had not received the confirmation letter. When I called for the third time I was told neither of the first two representatives had mailed or faxed the letter though my fax number was in their records. Finally the faxed letter was received that same week. XX/XX/XXXX I spoke with my mortgage company and they advised me that one of the TSI charges was STILL on my credit report. It is for {$59.00} and the credit report lists it as account number XXXX. The confirmation letter from TSI does list an account ending XXXX, but does not detail the amounts paid for each account.
Consumer complaint received 2020-05-21
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. (WI)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-11-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ABC First Inc (CA)

I need help, I do not know what could I do. 

This is XXXX XXXX, I had a phone consultation with ABC first inc. regarding business loan. The use XXXX word show they are loan bank on website. The contract was changed from business loan to home equity loan on the day I signed the paperwork. First loan is {$50000.00} with 2 years term 3.5 % Monthly interest rate, second one is {$50000.00} with 3.5 % Monthly interest rate for 1 years term. Total $ XXXXThe interest is $ XXXX monthly, the over due payment is {$75.00} per day. I paid off {$200000.00} as total including principal and interest. This year I checked my credit report while I was trying to get refinance on my personal property. The report shows that I financed {$550000.00} open {$75000.00} from abc company, which is a false statement since I already paid off my loan. I am concerning this balance will affect my property and credit. I would like to file a complaint report against abc company regarding their Illegal operation. Please start an investigation on abc company. I would like to get my paid interest and fine back.
Consumer complaint received 2022-12-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with USAA credit card company and had never gave permission placing disclosing on my credit history.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/20, I requested that Barclays close my Uber credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my Barclays Uber Card and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and Barclays flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage was purchased by Flagstar bank from XXXX XXXX  in XX/XX/XXXX. My first payment to Flagstar Bank was XX/XX/XXXX. My original loan was a conventional loan with no PMI. But when Flagstar took over, they added PMI to my payment/loan of {$75.00} a month. 

Without realizing this, I ended up paying them a total of {$750.00} from XX/XX/XXXX - XX/XX/XXXX. 

I sent a letter regarding this problem to Flagstar, and they terminated the PMI from my loan as of XX/XX/XXXX. But never reimbursed me for the amount that was paid prior to the termination. 

I called on XX/XX/XXXX and spoke with XXXX from the PMI department, and he was supposed to forward the information to his supervisor and get back to me. I have heard nothing. 

I sent a letter on XX/XX/XXXX again, and have heard nothing. 

Flagstar Mortgage added PMI to my loan without my knowledge, or signature. 

Please help! 

XXXX XXXX
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Hi, I hold a federal student loan and the servicing company is FedLoan Servicing. My Account number is XXXX. My name is XXXX XXXX On XX/XX/XXXX I received a notification that my loan is becoming due to be recertified. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I uploaded all the necessary documents for recertification with the income requirement. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I received a recertification letter and my monthly payments were assessed at {$230.00}. Please see attachment XX/XX/XXXX. 

Please note, that I used the exact same income return for the previous year and my monthly payments were assessed at {$150.00}. Please find the following : 1 )  Attachment XXXX ( the IDR monthly payment assessment ) and 2 ) The tax return submitted to FedLoan ( attachment XXXX XXXX - Form XXXX - XXXX Tax Return ) with the IDR form signed on XXXX ( attachment XXXX XXXX IDR Application XX/XX/XXXX - XXXX ). 

On or about XX/XX/XXXX I contacted FedLoan Servicing and inquired about the discrepancy in the monthly payment calculation and was advised to resubmit my recertification documents without an explanation about processing times and guarantee that the mistake won't happen again. 

On or about XX/XX/XXXX I contacted FedLoan ServiceXXXX again and spoke to representative XXXX ID # XXXX. She reviewed my file and determined that there was an error in processing my IDR application which resulted in an increase in my monthly payment. She further informed me that she will put in request to review my application to correct such error. 

As of today, XX/XX/XXXX FedLoan Servicing has not followed up with any type of communication that my IDR application has been submitted for the error correction. I have not received an email or any type of communication regarding this issue. 

I would like my payments my monthly payments to be adjusted.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

Hello, My name is XXXX XXXX XXXX XXXX XXXX is a new credit card XXXX replaced when Co was sold to a new onership.I was with XXXX old card since XXXX paid on time, bought many things, including partial roof and siding for my home, never had an issue.I was issued a XXXX XXXX XXXX Card with the last # XXXX in XXXX.It had a fraud charge near the end of the yr XX/XX/XXXX, I called and paid the amount and fees I owed but not the fraud amount they stated it was removed, They send a letter stating the card was now closed # XXXX replacement card last # XXXX, I never used the new card, then in about 2 weeks I received a statement sent to me with a fraud order XX/XX/XXXX SP Quest nutrition XXXX CA with FEEs! I called that day and canceled my credit card and business with them, also I send several letters which they are ignoring now the balance is $ XXXX.Now my XXXX is XXXX from XXXX.My credit records always are good.Also if you see XXXX and the Shop your way Card # XXXX, I paid my bill.And when you try to talk to the operators they they hardly can speak english.I do not owe [ Shop your Way ] any money, Please help me with this, I have went to website and Shop Your Way has many complaints by many of their customers. 
Ms XXXX XXXX
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (KY)

I applied for this card at the XXXX store in XX/XX/2019 when purchasing my new laptop. With my purchase of the laptop I was also included in the back to school program and received a free pair of XXXX headphones. The retail price of XXXX XXXX XXXX with tax ) for the XXXX headphones were incorrectly applied to my Barclay financing amount. When I made my last and final payment to my credit card I noticed that my payments exceeded the price of my laptop. I have called Barclay at least 7 times and was hung up on 4 times. When I did get through I was transferred repeatedly to the same call center person. She was very obviously upset with me and her anger came through very clearly even as she answered the phone after " transferring '' me. This was before I even said hello and even then I was not angry. I'm left with no options to get this resolved. What am I supposed to do when I call and am hung up on and transferred in the hopes I give up. This whole situation wasn't something I did wrong. I was incorrectly charged and all I want is a refund of the correct amount and to move on.
Consumer complaint received 2022-01-06
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-21
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: PNC Bank N.A. (NC)

I've sent several times to XXXX fraud department a police report and FTC report with court records showing the loans through PNC and PNC and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several warrants for XXXX XXXX XXXX arrest for using my identity. Those three auto loans are not mine. Please remove
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

Navient has 2 accounts with me that are paid monthly on time. I just recently got an alert that my balance increased by {$950.00}. It is incorrect as my balance between the two accounts is less than {$1500.00}, but this is affecting my score. My other loans are currently covered through the end of the year. There should be NO MOVEMENT.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Enclosed you will a complaint against Chase Freedom card who closed my account without notice during this pandemic. I am a XXXX XXXX veteran. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. I graduated from the XXXX XXXX XXXX XXXX in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, XXXX. 

Amazingly, I XXXX twice in XXXX years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX   XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX and the XXXX XXXX. 

For the last two year, I have worked in XXXX with XXXX with XXXX. Last I saw physically was I have a credit due to me in the amount of about XXXX dollars on this account. Will you tolerate them closing my account during this time period. I recall using this card.
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (GA)

CAPITAL ACCOUNTS is in violation of the FCRA. Collection agency is reporting old debt as new. Reaging the debt and negatively impacting my credit score. They are in Violation of the FCRA has occurred as this debt is seven years from the time of my first delinquent payment was originally due on the account to the original creditor. Additionally, they have failed to contact me regarding this debit so that I may validate on my own. 

Account Info Account number XXXX Collection opened XX/XX/2017 Account type Collection Department / Agency / Attorney Their contact information is : XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

XXXX XXXX. Best Buy acct. Thought to be a soft inquiry. Turn out to be a Hard inquiry. Already had the existence acct for a increase. The individual did not make it clear. To eliminate the hard inquiry, they can reduce my increase. Just want that hard inquiry off my credit reports
Consumer complaint received 2021-03-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX Wells Fargo violated FDCPA federal rules by making a collection call prior tXXXX XXXX XXXX XXXX  pst. On XX/XX/XXXX Wells Fargo attempted to justify violating federal guidelines by claiming in a letter that it was a COVID customer service call. Their letter states they called prior to XXXX am and that they are allowed to call between XXXX and XXXX. Fine. However calling at approximately XXXX XXXX is both a federal violation and Harassment!!!! There was no statement made that it was a Covid customer service call ... ..NO! Only that it was. Collection call. The call was made prior to XXXX XXXX in CLEAR violation of the FDCPA. I have made three payments to Wells Fargo this month. I am current!!! They need to remove any and ALL late fee charges ... .I have had two previous unresolved complaints against them. 

Im considering filing a small claims against a local branch manager if need be and take the {$1000.00} automatic fine for violating the FDCPA ... ..and apply it back to Wells Fargo late fees, OR Wells Fargo can get their act together and clear them off. 

I want my credit cleared of any derogatory remarks from all three major reporting agencies. I want my account reported as current. I show on their web page NO past due payments due. ONLY their late fees which stemmed from their failure to resolve in the past and now they continue to threaten adding more during the CARES Act.
Consumer complaint received 2022-12-06
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: MECHANICS BANK (FL)

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the XXXX major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling XXXX inquires dating back to XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 ( this appears XXXX times for XXXX ) XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 2020-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

Americollect at XXXX XXXX XXXX XXXX XXXX, Wi has a negative balance of {$640.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company, This company does not have a contract with my signature.
Consumer complaint received 2023-02-16
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I looked at my online banking statement to find that there were withdrawals from my checking account that I did not make. There were four withdrawals of {$200.00} each, made minutes apart ( just before midnight on XX/XX/XXXX and just after midnight on XX/XX/XXXX ), at two separate Chase ATMs in XXXX, NY ( one of the two ATMs is in the branch I most often use ). I contacted the customer service number on the website and they said they would look into it. 
On XX/XX/XXXX, Chase sent me a letter XXXX attached ) saying that the withdrawals were authorized and they would not investigate further ; the {$800.00} withdrawals will stand. I contacted several Chase representatives, and their supervisors, by phone to ask how this could happen if I am never without my debit card? I said this was surely some kind of 'hack ' and I wanted to know next steps in investigating. They insisted that it must have been me, since the card has a 'chip ' and the chip was visible to them. They suggested I go to local police with info on what happened. I visited the local precinct on XX/XX/XXXX and was told that, in NY State, I'll need an affidavit from the bank to allow police to pull the camera footage from the ATMs. Going back to Chase to obtain this, I was told they will not supply an affidavit. So my police investigation can not proceed. 
At this point, I went to my local branch on XX/XX/XXXX and spoke to the acting branch manager ( XXXX XXXX, at the XXXX XXXX XXXX XXXX, NY ). He was very kind and helpful, but after observing him call those who might help, it was apparent that they would not review the ATM footage despite his request to escalate the investigation. I received a letter from Chase on XX/XX/XXXX, reiterating their initial decision - that I'm responsible for these withdrawals.