davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I refinanced a mortgage in XXXX and signed an escrow waiver for property taxes, homeowner 's and flood insurance. I prefer to pay my own. The mortgage was sold twice in rapid succession, ending up with JP Morgan Chase. Chase told me in XX/XX/XXXX that they were starting an escrow account for the flood insurance, and sent me a statement with a new, higher mortgage payment. I told them that I had signed an escrow waiver. They replied that they would delete the escrow account. A few months later, Chase said that the escrow account would be reinstated because of NFIP rules. I repeated my earlier statement regarding the escrow waiver, and reminded them that I did not use the NFIP, I bought private market flood insurance. Again, they informed me that the escrow account would be deleted. Once more, Chase informed me that the escrow account had been reviewed, and would be reinstated because of RESPA rules. I pointed out that RESPA had nothing to do with the issue. Chase then informed me that the escrow account would stand because the Biggert-Waters Flood Insurance Reform Act of XXXX  says that after XXXX, loans secured by property or a mobile home in a flood area had to have flood insurance escrowed. We are at an impasse. If their Biggert-Waters Act excuse is valid, why was I allowed to sign an escrow waiver in XXXX? Can a mortgage company change the terms of a mortgage they have bought? If I allow this, what's stopping them from demanding escrow for my property taxes and homeowner 's insurance? For the record, this is a fixed-rate mortgage, so no increases are to be expected. I have never had a late payment or been uninsured, so this is not a case of force-placed insurance. Chase did not share their " escrow analysis '' with me, ( the payment they imposed is woefully inadequate to cover my insurance ) and they have not explained how renewal and payment of my flood insurance policy is to be carried out - I believe that IS a RESPA requirement. They have only reminded me to send them a copy " when the policy is renewed. '' If I'm renewing the insurance, why are they collecting the money? Throughout this entire debacle, I have been making my regular, ORIGINAL mortgage payments, and have alerted them each month that i am NOT paying the escrow amount until I have valid answers to my questions. I will be happy to provide whatever documentation you require ; at this point, I am only sending my escrow waiver because I'm not sure if you want all their letters. Thank you.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: OPTUM BANK, INC. (CA)

Hi, I have an HSA account through Optum Bank. I used to be a XXXX XXXX employee when this XXXX account was created. I believe the HSA account monthly service fee was waived when I was employed at XXXX XXXX. I just recently checked the balance on my HSA and noticed I had been getting charged a XXXX fee since XX/XX/2020 which is when I left XXXX XXXX. As a consumer, I have the right to be notified that Optum Bank was going to charge a monthly service fee and I shouldve been provided the ways to avoid the monthly service fee. Unfortunately, I never received any paperwork from Optum Bank notifying me that a fee was going to be charged. Thats a violation of my rights as a consumer. I asked for a refund from Optum Bank but they said their policy only allows for 3 fees to be waived per year. Im sure theres many others as me who are also experiencing the same issue.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX. Received phone call from XXXX XXXX XXXX. They stated that I owe debt to Synchrony Bank with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX Walmart card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to Synchrony Bank why was I never contacted about this debt since its from 2016 and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.
Consumer complaint received 2019-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my Transunion, XXXX, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX  XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Transunion, XXXX, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

This is a follow up to a previous filed complaint - XXXX Ally Financial 's response states they have no requests from me prior to XX/XX/XXXX to stop calls, however this is incorrect, as I have record ( as indicated in my initial complaint ) of speaking to an Ally representative on XX/XX/21, during which time I requested that their calls stop. Despite this request, I was called again on XX/XX/21. On that call, their agent indicated that she was showing my number had previously been added to Ally 's internal " do not call '' list, and she wasn't sure why I was being called again. 

The written response from Ally 's representative - " XXXX XXXX '' - also states, " If you have any questions, please contact me at XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, '' however when I attempt to contact XXXX at that number, I only reach a voicemail box. I've left a voicemail and attempted to call XXXX several times, yet I never receive any call back. 

Ally is misstating the facts surrounding my complaint, as well being non-responsive to my attempts to contact them, despite XXXX XXXX offering to answer any questions. These two points further bolster my position that Ally is not acting in good faith, and have violated the law. Once again, I am requesting that Ally compensate me in the amount of {$1000.00}.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

There is an address reporting on my reports that has never been associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-30
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: WELLS FARGO & COMPANY (MO)

i called Wells Fargo to report fraud on my credit card that while talking to them, {$5000.00} was transferred into my checking from my credit card. i spoke to wells fargo to cancel my credit card which was done but the {$5000.00} was not returned to the credit card company and i was told it couldn't be returned because the account had been closed. they should have returned the money to the credit prior to closing the account. instead they issued a 2nd credit card without me requesting this card. i stated that i didn't want another credit card and they still opened a 2nd card allowing a 2nd {$5000.00} to be drawn on this card that i never requested. additionally there were two {$250.00} fees charged by the bank for transactions i never made nor requested. 
additionally credit cards when issued are mailed within 7-14 days and no credit card was ever mailed or received by me. however when i went online a 2nd credit card was attached to my account.i called again to the credit card company and told them again this card was never requested. i was transferred back and forth to 6 different people over XXXX hours with no resolution. 
i believe this is an internal fraud scam within wells fargo and after 10 hours of phone calls with wells fargo nothing has been resolved. i only get written letters saying there was no evidence of fraud yet the {$5000.00} in my account and i will be charged interest and mental stress because of Wells Fargo 's inability to resolve this matter.
Consumer complaint received 2021-02-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

This company Credence Resource Management , LLC is appearantly working a scam on XXXX XXXX. I received a call from them on Thursday, XX/XX/XXXX. They claim to be attempting to collect on an Already Paid Debt, for ambulance service, dating back to XX/XX/2012! 

First off this debt ( ambulance service ) incurred due to a work related accident. This debt was billed to and PAID FOR by XXXX XXXX XXXX 

Now ELEVEN years later, Credence Resource Management , LLC is attempting to be paid a second time, in hopes that a XXXX XXXX XXXXXXXX XXXX XXXX  has forgotten the details and will render payment a Second Time.
Consumer complaint received 2021-01-23
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: Santander Consumer USA Holdings Inc. (MA)

Santander consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX Santander again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with Santander, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central States Recovery, Inc. (KS)

I have paid the debt to the original company. I have called XXXX XXXX XXXX XXXX in XXXX XXXX, ks with no response and I have contacted central states recovery in XXXX, ks and they havent remedied the issue. It's been a month.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted the Company to update my credit report numerous times with no response. I've spoken with the Manager XXXX XXXX of the XXXX, TX Branch about not reporting accurate information to the Credit Bureau. Transunion is also responsible for reporting inaccurate information on my Credit report and file. XXXX is inaccurate and neither the data furnisher or TransUnion has reported accurate information for the past three months. This has affected my credit utilization and credit report negatively.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Greetings, I contacted XXXX, XXXX and Experian in XXXX regarding a bankruptcy that was reporting on my credit report and they would not assist in removing information. These credit bureaus are reporting bankruptcy information on my credit report and have put in data furnisher as US Bankruptcy Court in XXXX Georgia XXXX which is false information. Here is a link sent to me from the court verifying that they do not furnish information to credit bureaus or credit monitoring services : XXXX XXXX XXXX The US court of XXXX Georgia has stated that they do not verify or validate any information to the credit bureaus. The 3 credit bureaus are falsely stating this information in my credit report and have yet to remove it.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.
Consumer complaint received 2022-03-27
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. (MN)

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited XXXX, Experian and XXXX doesn't have same info.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (LA)

This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of One Main on our credit report. To be specific XXXX and XXXX records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. XXXX have been also notified numerous of times to correct its recording of an Open Account, XXXX is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

OneMain, XXXX, and XXXX have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC (IN)

I was contacted by a company named ClearOne Advantage to consolidate my credit card debt. They apparently got my contact information from me browsing the internet to find help. I was able to make my monthly payments on my credit cards, but just barely. I wasn't making any headway. ClearOne Advantage sent me a text about their services. When I contacted them, they said they could get rid of my debt in approximately 5 years. Unfortunately, I agreed to do their program. I started it on XX/XX/2021. They told me to stop paying on my credit cards and student loans, take off my contact information and add their phone number to my accounts. They said they would contact them to let them know I was in the program so they would not " hassle '' me for payments. I stopped paying my monthly payments. I did continue to get collection phone calls from my creditors, and I would be upset about the collection calls. So I called ClearOne Advantage to see what was going on. They just continued to tell me not to make payments to my creditors because the program would not work if I did. After 3 months, ClearOne Advantage said they settled with one of my creditors, XXXX XXXX. A person from ClearOne Advantage, who I could barely understand called to explain the settlement. I did not trust the settlement, so I called XXXX XXXX. They said they had not settled any agreement with anyone and I still had the same balance due. Although with a lot more interest and late fees because I had a delinquent account. When I called ClearOne Advantage back, they said I owed {$4600.00} for their services! I told them XXXX XXXX stated to me they had not settled with any program, so I was not going to pay the fee. I did not trust this company, so I canceled my enrollment. 

Due to enrolling in a program with ClearOne Advantage my credit score is absolutely terrible now, I have had many accounts closed due to a low credit score and I am still in the same boat as far as credit card debt. They charge an exorbitant amount of fees and absolutely destroy your credit. They should not be in business.
Consumer complaint received 2019-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/19 a hard inquiry was placed on my XXXX credit report from Bank of America. This inquiry was not initiated by me nor did I give anyone consent or authorization to apply for any credit.