davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (DC)

In XX/XX/2018, I reinstated my Seterus loan by making a payment of {$370000.00}. This reinstatement amount included past due taxes on the property for an amount of approximately {$250000.00}. During the reinstatement process, I questioned whether the {$370000.00} payment would bring my escrow account to a {$0.00} balance. Seterus responded that this indeed was the case. 

The following month, I received a statement from Seterus stating I have a negative escrow balance of {$140000.00}.  BetweenXX/XX/XXXX to XX/XX/XXXX, I have contacted Seterus via the telephone and in-writing to request a Forensic Audit of my escrow account. Seterus did respond ; however, they did not address the issue of the {$140000.00}. They simply provided details of all the payments that have been made from my escrow account. 

On XX/XX/2018, I contacted Seterus and spoke to a Customer Service Ambassador ( XXXX XXXX ) and she acknowledged that there indeed is an issue and she would take it upon herself to research the issue and assist me in seeking resolution. She indicated that she would follow-up with me in a few days to provide an update. 

Between XX/XX/2018 and XX/XX/2018, I have called multiple times requesting that XXXX contact me. I have yet to receive a response. On XX/XX/2018, I spoke to a Customer Service Manager ( XXXX XXXX ) and she offered to research the issue and follow-up with me. XXXX did indeed do some research and she landed at the same conclusion that there is an issue. When I questioned next steps, she simply stated there is nothing that she can do. 

With further research, I have also determined that my reinstatement amount of {$370000.00} included penalties and interest for {$70000.00} while I was making payments in a timely manner. Since I was on-time with my payments and since I paid the amount to Seterus, I would like a refund of the {$70000.00}. 

Seterus representatives have no interest in assisting me seek resolution to this issue be it over the phone or in writing. I am amazed by the lack of Customer Service by a company that prides itself upon being a XXXX subsidiary.
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

My information has been sold to a third company which turns out to be a fraud law office " XXXX XXXX XXXX  XXXX " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

I applied for a Home Depot ( via Citibank ) credit card today, XX/XX/20, by clicking on the online link that said I'd qualify for a discount on the purchase I was making by doing so. 
I applied and was approved but no discount was applied to my purchase so I canceled the order. I have tried to cancel the credit card but can not do so via replying to the approval email ( refers me to online account or customer service ). I can't do online or by calling customer service as both options require that I have a full account number to proceed. I don't have a full account number or security code since I don't have a card yet. 

There is no option provided for canceling the credit card application/account.
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Can someone please let me know whats going on with My application. I have not heard back from anybody in a while, I heard from a lady named XXXX she says much shes my caseworker and would call me within seven days I would hear something but its been over a month. I applied on XX/XX/11 received my confirmation number. I called my mortgage company Suntrust Truest bank they have no clue about this program.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Forster & Garbus LLP (NY)

Forster and Garbus, have refused multiple offers and attempts to settle this debt and filed a suit which is currently active, they had been notified that I am going through XXXX XXXX XXXX triggered by the XXXX XXXX in XX/XX/2022 which I have notified the court in writing and XXXX XXXX XXXX and repeated over the phone conversation with XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX XXXX  scan arranged in the first part of XXXX, with one of them on the XX/XX/XXXX, which was one of the court days. I have asked them to arrange settlement last time via signed fax on XX/XX/2022 where I also reminded them not to contact me at the residency address and provided an email and XXXX XXXX XXXX which was the fourth request, once it was via regular mail, second via phone conversation and fourth via judgment response via certified mail. Which are multiple instances of the VIOLATIONS of the 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.6 Communications in connection with debt collection.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OK)

My student loans were in the consolidation process. I had contacted all of my service companies but Navient kept sending late notices and adding charges. A hold/deferment was in place but Navient started reporting on my credit anyway. When I finally realized what was going on and saw that my near perfect credit score had dropped 160 points I contacted Navient. Contacting them has gotten me nowhere at all. I also found out that somehow I had a user account on their website that I did not set up. I had to call to get that cleared off but apparently it also cleared off all of the notes on my account so now when I call in they say there is no record of my deferment. My credit score is dropping every day and this is affecting my entire life, business and loans. I have tons of stress, worry and I do not know what to do. I have learned about the lawsuit but I just want my credit score fixed.
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

Since XX/XX/XXXX, Navient has failed to abide by the ACH payment arrangements that I have scheduled on numerous phone calls with its representatives. The company has repeatedly failed to draft these payments, drafted payments on dates which I had not consented to, failed to reset the payment schedule after account changes ( e.g. debit card replacement ), and abide by what I was told by customer service representatives in terms of payment schedules and impacts to my credit.

I have also requested written correspondence with the company instead of phone calls, and told the company that they may no longer attempt to contact me via telephone. These requests were not honored.

Most recently, after the theft of my Navient-linked debit card in XX/XX/XXXX, I contacted Navient to provide the replacement card. I was told, after almost twenty minutes on the call, that my account was in good standing. I explained that it could not be, and then I was put on hold, and then disconnected. Too many calls to this company end in such a manner ; they are time-prohibitive and do not tend to accomplish the goal. I placed a second and third call, and was told that I needed to monitor my account, and then call back. I placed a fourth call and made a payment on XX/XX/XXXX, of XXXX. I was told that I was behind by one payment, and that I should make it as soon as possible, but that my payment schedule would now resume. No further automatic payments were applied. on XX/XX/XXXX, the representative also told me that my payment would bring my account current and prevent my credit from being negatively impacted. Within a few days my accounts were reported as delinquent to the credit bureaus, however. 

On XX/XX/XXXX, I wrote an email to the Navient customer advocate office regarding the most recent issues that I have described. I received an automated confirmation, but no response to this message. 

I have six accounts with Navient. Most of them carry a principal balance greater than my original disbursement. We have made almost {$67000.00} in payments. Our accounts must maintain a competitive interest rate to potentially be satisfied in the future. Navient representatives have stated to me that a diminished interest rate depends entirely on these scheduled bank drafts, which the company has failed to execute.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MSW Capital, LLC (AE)

I have an account listed on my XXXX and XXXX credit reports that lists XXXX XXXX as a creditor. They claim to have sold the debt to MSW Capital LLC, after numerous calls to MSW, they will not answer their phone and I do not see an email address to send email to. XXXX XXXX  will not allow me to make any payments to them, and MSW will not answer their phone. 

This should be removed from the credit report as it is very unprofessional and I believe the data to be inaccurate. They report to XXXX and XXXX with different data, and then nothing to XXXX. There should be consistency. Since there is not, it should be deleted as retroactively assessing negative information would be biased and unprofessional.
Consumer complaint received 2018-09-10
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: Fay Servicing, LLC (GA)

Faye Servicing is the mortgage holder of my mortgage currently. They have held funds in a suspense account and applied them late which shows a late report on my credit. I called to find out why and demanded that the issue be corrected. I have not made contact with an account manager on this. The inaccurate reporting hit the bureau within the last three weeks. I need this corrected as soon as possible. The late hit is negatively affecting my scores.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

ive reached out to the credit reporting agencies and have not recieved a response i gave an ample amount of time 15 U.S.C 1681 sec 602 A. states i have the right to privacy 15 U.S.C 1681 sec 604 A states a consumer reporting agency can not furnish a account without written instructions Account was not deleted or modified on my report according to the 15 U.S.C ( 5 ) ( A ) ( i ) 15 U.S.C 1681 s-2 ( a ) a person shall not furnish any info relating to a consumer to any credit reporting agency if they believe some info is inaccurate
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

Twice I requested a credit line increase. Both times this company claims they had issues pulling a recent credit report and were provided a report from over 4 months ago from XXXX. This particular report had derogatory information that was either disputed and removed or was paid and updated. My credit score is up almost 100 points today compared to the report they pulled. I spoke with a supervisor regarding this issue and did not receive any assistance. As a result I closed my account out of frustration.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (HI)

I filed a complaint to chase bank regarding charges I did not placed. From a year ago while I was going over my statesment I reported to the bank and the bank and ask for my late fees to be removed after the bank make a decision to block my acount and I wont be able to use it anymore and a check would be send in the mail I did nothing wrong I am a honest person reporting everything to the bank they been wrong I been a value customer to the branch and Chase bank hold my acount {$800.00} initial final claim is finalized.
Consumer complaint received 2022-07-04
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. (OH)

Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 Section 2 : Its Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-01
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I was interested in applying for the Chase XXXX rewards credit card. I saw in the website that there was a {$95.00} dollar annual fee. Before I applied for the Credit card i reached out to Chase via @ CHASESUPPORT on XXXX  my handle is XXXX XXXXl and asked if the annual fee would be charged upfront when applying for the credit card. They stated that annual fees are charged on the anniversary date. I now noticed the fee was charged upfront and reached out to Chase again. They have stated that they did not make a mistake even though their is a clear communication record indicating they indeed made a mistake.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc. (KS)

Please see attachments. XXXX XXXX is violating my privacy and consumer rights, the FDCPA and FCRA. XXXX XXXX is using fraudulent and abusive practices to collect on a debt they do not own nor do I. XXXX XXXX is trafficking my nonpublic personal information unlawfully and using such illegal acts to coerce a payment that i do not owe.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (IL)

I have repeatedly submitted accurate paperwork to the credit bureaus XXXX, Equifax and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, XXXX and Equifax had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in XXXX.
Consumer complaint received 2022-08-01
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At the beginning of XXXX, Bank of America closed my account, but to this day there is still {$5600.00} in the closed account that has not been refunded to me, and they claim that they are still investigating. However, I need money urgently because I need surgery recently.
Consumer complaint received 2021-06-24
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. (PA)

I have contacted XXXX  XXXX  AND EQUIFAX on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.