davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

I received a letter on XX/XX/18 from : Transworld Systems Inc XXXX XXXX XXXX XXXX, OH XXXX XXXX ( alternate address XXXX XXXX XXXX XXXX, DE XXXX XXXX ) Stating that I have a past due account in the amount of {$50.00} with original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The account # given is XXXX. 

I have not done business with XXXX to my knowledge and never received any communication from XXXX prior to receipt of this notice from Transworld. This is obviously a false claim although I am unsure of the source. 

XXXX XXXX
Consumer complaint received 2022-04-25
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. (IL)

in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account # XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX # XXXX, # XXXX # XXXX, XXXX XXXX XXXX # XXXX. Bankruptcy XXXX XXXX dismissed reference # XXXX, Bankruptcy XXXX XXXX-discharged reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (WA)

An attempt to obtain a XXXX XXXX ' Master Card in my name was made with Citi Bank . They notified me via phone on XX/XX/2020 and gave me the application number, which was denied. 
My personal information was used in the application, but the email for response was to an address ending in 'XXXX. ' along with a request to send {$5000.00} to an address in Florida. 
I have notified XXXX and requested a 1-year fraud alert. 

This may be related to any of several data base breaches that I have been notified of in recent years.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank is damaging my credit I pay my cards on time or before time never been late that lower my credit without cause they have damaged my credit score I havent used up two of the cards and they just made it looks as if I used up the limit I spoke to them about it I was told to dispute it this bank has bad practice of issues of killing scores this is terrible they have lowered my scores please help, Thanks
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2014, Wells fargo " closed '' and account that i was unaware of for {$980.00}. A family member had taken out a credit card under my name without my knowledge or approval. i have disputed with all 3 reporting agencies.
Consumer complaint received 2018-08-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (WA)

I received a letter dated XXXX XXXX saying that I am behind in my mortgage payment and they have a right to invoke foreclosure, etc. 

I received a letter dated XX/XX/2018, that says that unapplied funds were moved from unapplied funds and moved to the principal and my next mortgage payment is due on XX/XX/2018. 


Why are they threatening to foreclose. I am not, nor have I ever been behind on my mortgage payment. In fact, I have a long history of paying an additional {$1200.00} on the principal each month. I was doing it electronically, but then they told me they could not do it that way, I started sending them a check with a coupon telling them how to apply it. They still could not get it right and now they are threatening me? This is not right.
Consumer complaint received 2022-10-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

In XXXX XXXX  XXXX I received storm damage on my home. My insurance company was great and issued a checks to do repairs. I sent the checks I received to my reverse mortgage lender PHH mortgage. I completed all XXXX releases and documents I was required to do. My contractor completed all paperwork and repairs as directed. The contractor is still owed over XXXX that is being held in an escrow account after 3 months of the work being completed. This work was approved and signed off by a PHH inspector. I also had to mail in my depreciation check that I received. These funds were to cover vendors I paid for out of pocket or still owe funds to. PHH confirmed the check was received XXXX XXXX. They advised me if was a 5-7 business days and they would issue a check because it was not for any new work. That timeframe has come and gone by 3 weeks. I have called many many times and now they say the are having IT issues and can not see any of the documents that have been submitted. They are unable to give an answer as to when this issue is going to be resolved. When I called on XXXX XXXX, they told me by XX/XX/XXXX, still nothing. I called the XXXX, the XXXX, and now the XXXX, and still nothing. They told me I would have to wait another week and hopefully this would be resolved. As of now the contractor has no choice but to file a lien, other vendors are threatening collections, and I can not get anywhere with them. I, my insurance, and my contractor have done everything asked of us, they have withheld funds for over 6 months with no clear answer to when they will release them. I have signed a release allowing my contactor 's lawyer pursue additional legal action against them. I am super lucky because my contractor understands I can not control the situation. My contractor is owed {$18000.00}, I am owed {$8800.00} for the depreciation check I sent. My insurance company has sent me a total of {$45000.00} in loss checks. PHH has only issued one check in XX/XX/XXXX in the amount of {$18000.00} to my contractor. They are still holding {$25000.00} even though the work has been complete for 3 months. I don't know what else to do. Please look into them, I call and I can not get any answers. Thank you.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have submitted a wriiten letter requesting on XX/XX/2022 to remove this item off of my credit report. XXXX XXXX loan and to no avail. It has been well over 30 days and there is no response.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CO)

I have had a Chase XXXX credit card for over 5 years, for the first time in 5 years I had to request the travel protection that they advertise in here : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/travel-protection My trip to XXXX from XXXX XXXX was interrupted due to a car accident on my way to the airport ( XX/XX/XXXX ). I've contacted Chase and followed their steps in order to submit a claim for trip cancellation. My claim is for about {$270.00}, which is how much my flight cost from XXXX XXXX to XXXX ( purchased on XX/XX/2022 ). 

I have yet to hear from them since I filed the claim on XX/XX/XXXX, their website says that I should be hearing from them in 5 days or less.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

Fay Servicing has not payed the property insurance for property that I inherited from my daughter 's estate. I had the property insurance changed from XXXX to XXXX because of the cost premium. XXXX is less, and XXXX is more than three ( 3 ) times as expensive. 

Fay Servicing ignores, omits and misrepresents many request to have the insurance, recognizing my legal interest to the property, accounting summary, payments made by me on the mortgaged property, AND does not clearly communicate the legal requirements for my keeping the property. 

Fay Servicing has requested I sign acknowledgment documents that I do not understand and has made me feel very, very insecure about my legal rights to the property. The " successor in Interest '' has made me feel/believe and question my rights to the property, despite the XXXX XXXX XXXX XXXX XXXX Georgia has appointed me the administrator.
Consumer complaint received 2018-08-17
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. (LA)

XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, XXXX, and Equifax asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). 

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, Equifax, XXXX, and XXXX.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (MO)

DISPUTE WITH XXXX XXXX XXXX XXXX XXXX XXXX-STATEMENT FOR XX/XX/XXXX/XX/XX/XXXX SHOWED FOUR FRAUDULENT CHARGES AS FOLLOWS XX/XX/18 {$60.00} XX/XX/18 {$490.00} XX/XX/18 {$280.00} XX/XX/18 {$200.00} -- AFTER FILING A COMPLAINT WITH THE BANK THEY CANCELLED MY CREDIT CARD AND ISSUED A NEW CARD WITH NEW NUMBER. THEY ADVISED ME THAT THE VENDORS ON THE XXXX   CHARGES HAD BEEN TAKE CARE OF AND REMOVED FROM MY ACCOUNT. AFTER THEIR INVESTIGATION ON THE XX/XX/XXXX CHARGES I WAS ADVISED THAT THIS DISPUTE HAD BEEN RULED IN MY FAVOR AND HAD BEEN REMOVED FROM MY ACCOUNT.

THINKING THAT THIS WAS THE END OF THE ISSUE UPON RECEIVING MY XX/XX/2018 STATEMENT I NOTICED THAT THE {$280.00} AMOUNT HAD BEEN PUT BACK ON MY ACCOUNT AS A CHARGE.

AFTER NUMEROUS PHONE CALLS AND LETTERS TO THE BANK THIS ISSUE HAS NOT BEEN RESOLVED AS OF THIS DATE. ON XX/XX/2018 I MAILED THE BANK A LETTER ( CERTIFIED MAIL DELIVERY RECEIPT REQUESTED ) REQUESTING THAT THIS ISSUE BE SOLVED. THIS LETTER WAS RECEIVED BY THE BANK ON THIS DATE.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MS)

I made a payment on XX/XX/XXXX, that payment was for the month of XXXX, I made another payment on XX/XX/XXXX for the month of XXXX, because I was going to be traveling, then I made a payment on XX/XX/XXXX for XXXX, when I check my statement in XXXX I call the company ant told customer service to apply the payment correctly, she said I paid XXXX payment to early but she will take care of it, I have call two more time and they will not change the account. The also are reporting the account as past due to the XXXX
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (FL)

I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL XXXX consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

A little over a week ago, I was sent several correspondences via text and email regarding Wells Fargo stating, " They will no longer text me '' etc. I have not been a Wells Fargo customer for 2+ years now, nor have I contacted them regarding any information of mine. Whoever decided to enact these changes did so without my knowledge, or w/o my consent.
Consumer complaint received 2022-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have had my student loan since 2006 I have always attempted to be on the income-based repayment program IBR. The student loan servicer AES has continually lost applications not processed them and often times pushes me into programs that are beyond what I get monthly from Social Security XXXX. many times I will take pictures or send my applications by certified mail they are often lost and then my loan is recapitalized enriching the company well damaging a XXXX persons life. The callous nature in which they have dealt with us the violations of law must be investigated. By not allowing me too enroll in the IBR they have caused dramatic financial hardship for my family and have continually flaunted and violated the law by not accurately recording my payments to IBR and making it so hard for a person with a XXXX to get a ADA accommodation to assist in solving it. I have this year sent to certified overnight packages with the IVR program and tax information as requested I videotaped that the information going into the envelopes was what they asked for and showed on the video handing it to the post office the post office says they were delivered and received and yet AES company denied as they received them the third attempt I went online and with assistance from a Student Loan counselor at AES completed the IVR application and electronically submitted my tax information all of this was verified during the call and yet they denied they received it and re-capitalized my loan and clear violation of the law.
Consumer complaint received 2021-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-08-23
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (MI)

To : XXXX XXXX XXXX ( XXXX ) From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother died from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (SC)

I currently have a mortgage. The servicer is Selene Finance. I filed a bankruptcy a few years ago and received plan confirmation back in XXXX. I made the payments to mortgage servicer as told from bankruptcy court. I have received no statements to this date. My payments have been made on time and every month until the mortgage company started sending the payments back. During this time I received loan modifications and in XXXX a notice of change of servicer. In XXXX, my daughter looked into why they keep sending this information. The mortgage company had increased my payments without sending a notice or sending a statement anytime during this period. I still have yet to receive statements except one sent to my bankruptcy attorney in XX/XX/XXXX. Now the mortgage company is saying I owe close to {$21000.00} and have been sending my payments back. I also have documentation that the payments were sent and up to date until they changed the payment amount without any notification to me.
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

Just received a notification about a collection from XXXX XXXX on XXXX in the amount of {$160.00}. I have never received anything from this company and don't know who they are. I don't know what the debt is for and have never done any business with this company.
Consumer complaint received 2020-04-16
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. (GA)

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, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX   violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 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, XXXX, XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.