davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mortgage loan was transferred to PHH Mortgage in XX/XX/2022, from XXXX. On XX/XX/2022 an annual escrow statement was sent stating that my escrow account is short {$160.00}, therefore my payment will increase {$13.00} monthly. The problem is that I dont have an escrow account I pay my own taxes and insurance. I called XX/XX/XXXX, and was told I would get an answer within 10 business days. Received a bill for XX/XX/XXXX, mortgage and still escrow company increased payment by {$13.00}, due to shortage in escrow account. No explanation given as to why they show escrow account. I read reviews about this company and their fraudulent practices. They have been sued for charging fees that they should not charge. Never had escrow account with other loan mortgage company either ( XXXX ). I have also sent email to the PHH Mortgage on XX/XX/2022 and called this morning and spoke to a representative who said will create a report to the research department to investigate the problem.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2022-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM THIS MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Oh Thursday, XX/XX/XXXX, I was contacted and spoke to a Loan Originator at AmeriSave ( XXXX XXXX ) who stated that she was part of special department within the company that is part retention and keeping existing clients. At that time, I had started the process to do a refinance with another company. She mentioned that because I am current client, the process would be completed within 2 to 3 weeks ( tops ) and they could offer further discounts.

I did end up Locking in that evening at the discussed rate, terms and points. By the following morning I get disclosures and the Lender fees thousands of dollars higher than initially discussed along other changes. I pointed that out to XXXX XXXX, who told me it was mistake in the system due to heavy market changes that evening but what I locked in for would stand. She just needed to get a manager to update it. That was on XX/XX/XXXX. 

For the proceeding few weeks I would contact XXXX XXXX to ask on status the little response I received was that she does not know what happen and management will update it. By XXXX XXXX ( over a month later ), I speak to a manager XXXX XXXX, who clarified that XXXX XXXX entered the lock in incorrectly which caused the Lender Fees to increase. He apologized and stated it would be corrected. 

Another couple weeks go by, with little update and no change. By XXXX XXXX I receive updated Closing Disclosure, but the Lender Fee is still higher than my initial lock ( over {$800.00} higher ). I pointed that out to XXXX XXXX and forwarded him the information from XXXX XXXX that showed the rate and time of the lock. I was told I would hear back from him within the next day or two to confirm an update I have yet to hear back on this.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C.

Section 1681c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that the EXPERIAN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit 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: AMERICAN EXPRESS COMPANY (KY)

On XX/XX/XXXX my American Express card was charged in the amount of {$2800.00}. I contacted American Express and informed them this was not my purchase. They issued a credit to my account. I also contacted the company XXXX. about the charge. They sent me an E-Mail on XX/XX/XXXX, stating that my account with them has been closed since XX/XX/XXXX. And my American Express has never been attached to that account. Nor do they see any activity to my Closed account. I received an E-Mail from American Express on XX/XX/XXXX they Debit my card back in the amount of {$2800.00} because they said I gave XXXX my American Express Card information. XXXX already said this was NOT true. The reason for this DEBIT is MUTE!
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened up several accounts with Suntrust Bank in XXXX. They frozed and closed all of my accounts several weeks later without my knowledge. They had my funds tide up for almost 2 months now. I asked them to release my funds in the branch in XXXX and they declined and said its under investigation for whatever reason. They eventually mailed me a check and when I recently checked the tracking it stated the check was forwarded to another address. When I called to report the issue, they said they will mail me another check but it will take another 15 days. I am requesting Suntrust full cooperation and to release my funds and expedite it to me immediately. Ive been very kind and patient about this matter and just want them to do right by me. Im a good hearted personIve received several proclamations from Mayors ; worked for the US Dept of Commerce so Im a legitimate and great individual and dont understand why they would even close my accounts without my knowledge. This is very unprofessional and very bad business. I just want my funds released to me immediately. Thank you for your cooperation and attention to this matter.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (TX)

I am allowed under the HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX of XXXX for them to release my medical information to a third party. I understand under that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA compliant will be a violations of the FDCPA because you will be deceiving me after my written request.I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My XXXX limit credit card from XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I am trying to report scam email looking to commit fraud by having chase consumers log in with their credentials. It inevitably led me here, which doesnt feel right. 

I am not a chase member but still got the email.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kubota North America Corporation (CA)

Kubota Credit Corporation has reported XXXX big accounts on my credit report as a charge-off and has been aggressively attempting to collect debt on the accounts that do NOT belong to me and failed to provide any supporting documentation... This year I received a summons for the XXXX loans Kubota was trying to collect from me, when I contacted the number on the summons, I was told it was NOT my account and that they have made a mistake, so I did NOT need to respond to this lawsuit .... However, they are still reporting XXXX negative accounts on my credit ... and attempting to collect debt. This is never-ending... 
My numerous attempts to resolve this with Kubota went ignored... With some legal help I finally received a copy of the contract ( XXXX ) from Kubota which date XX/XX/17, XX/XX/17 and XX/XX/17 and XXXX ) do NOT contain my signature, XXXX ) do NOT provide social security, XXXX ) have address for " XXXX XXXX '' as XXXX XXXX XXXX never resided at this address and not familiar with it, XXXX ) no proof of payment provided and XXXX ) no proof of identification provided to support their claim that they have the right person on these accounts .... These are NOT my accounts...
Consumer complaint received 2021-11-02
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: Resurgent Capital Services L.P. (PA)

LVNV funding llc Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX fax XXXX reference # XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Called law office several times last time reported someone would call still waiting for call. 

Called LVNV company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX About XXXX XXXX Credit card opened on XX/XX/XXXX closed XX/XX/XXXX for non payment. 
I originally opened XXXX XXXX account in XXXX and closed it in XX/XX/XXXX, bought my home in XX/XX/XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CT)

In XX/XX/2021, I applied for a refinance on my home, sent in all the required documents and was approved for a conventional loan ( Loan # XXXX ) according the mortgage company - Loan Depot. The loan was for {$230000.00}. I submitted all the required, was told that i was approved and I even signed the loan papers electronically. I was then told that the only thing needed was to get the appraisal done. I gave the loan officer, XXXX XXXX my credit card for him to pay for the appraisal. The appraisal apparently came out fine so I thought that all was okay. 

Mr XXXX called me afterwards ( after the appraisal ) to let me know that I could not get the loan because of my income. He had already told me that the loan was already approved and the only action was to do the appraisal. I confronted him and his supervisor and he, Mr XXXX admitted that he made an error and that he rushed to get the appraisal done because he thought the loan was approved. He prematurely have me order the appraisal. 
I told him that i needed my {$500.00} appraisal fee back due to his error and he told me that would not happen. he kept forwarding me to other people and now they're not answering my calls. 

I need a refund of my fee. No one should be able to lie to a customer like that and not pay back for damages. 

XXXX XXXX - XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Supervisor XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On credit report it shows that the company put a negative mark saying that there was no payment for XX/XX/2021. Which is now resulting in a lower credit score. Did pay that month. Have letter from company that they did receive the payment.
Consumer complaint received 2021-11-02
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this from my report.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (TX)

Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to XXXX after being reported as charged off to Experian. It also shows 30 days late to to Experian for free months of XXXX and XXXX and ok to XXXX for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my XXXX report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file
Consumer complaint received 2021-11-02
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. (CA)

There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this from my report.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (AZ)

On XX/XX/2021 I received an unsolicited debit card from NetSpend with my address and someone else 's name, XXXX XXXX. I never requested or applied for this card. 

Last month I received a card with a male 's name ( last name XXXX ) on the card, but never opened the envelope. I just shredded it after contacting the company 's customer service number and explaining the situation. I asked to be removed from any mailings and explained that nobody with that name lived here. 

I am submitting this complaint because this is the second unsolicited card I received and it has someone else 's name linked to my address.
Consumer complaint received 2021-11-02
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. (OH)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (NJ)

I received a letter dated XX/XX/ application number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are unable open an account in my name dated XX/XX/2021 and they needed further information I did not attempt to open an account didn't apply online or any other manner to open an account
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account. 

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm checking my credit report and I noticed I have some Hard inquiries what I don't know about it. I want to dispute those ones and delete it because they are affecting my credit score. I really appreciate your help Sincerely
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (PA)

i XXXX XXXX XXXX XXXX consumer did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately
Consumer complaint received 2021-11-05
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: ENCORE CAPITAL GROUP INC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX**** This is not mine.