davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

This is an extension of my original complaint which has been unanswered other than they are " working on it ''. I called on XX/XX/2020 and spoke with XXXX who stated she could see what the Fay servicing mistake was. They charged my account two times for the past due tax, which the money had already been taken from my prior payments the year before, through the original mortgage company, who hadn't sent those payments to the tax collector. So Fay was charging me double for two years of tax sending my mortgage balance up if that wasn't criminal enough! They took it one step further and reported it to all the credit bureaus which then reflected as a derogatory remark making a ripple effect with my other creditors, who then started reducing our credit amounts sending my credit report plunging XXXX points. 

This month they deducted an additional {$630.00}, not approved by me from my bank account for the erroneous increase to my mortgage payment. XXXX stated ( which still needs to be clarified XXXX that the increase should only have been {$180.00}. I've called them 2 times today and was disconnected the first time then called back and was told I had to show that amount cleared my bank before they would issue a credit. Someone NEEDS to step in here and put a stop to this company. I pay my mortgage on time never late, I shouldn't have to babysit " professionals '' who have such control to ruin a person 's credit and can willingly take whatever amount of money from your account without approval.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX, was pre-approved for an AMEX cash card based upon an offer of {$150.00} statement credit if {$1000.00} was spent in the first three months. I agreed to these terms, and after charging the {$1000.00} in the first month, I inquired about the statement credit and the rep told me that it would be credited after 3 billing cycles. Last week, after still not receiving the credit, I was told by another rep that my inquiry would be escalated. Today a supervisor told me that I did not qualify for the credit for unexplained non-specific reasons such as having too many AMEX cards ( I have only 2 current cards ) and that somehow I agreed to waive the credit when I applied for the card! This is patently untrue. AMEX has cheated me out of my earned credit. Please escalate this .to a Manager, which the supervisor " XXXX '' refused to do today.
Consumer complaint received 2022-07-13
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. (TX)

went to the car dealership they said that only XXXX would pull my credit. Instead there was a lot. 
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
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (MO)

I am getting text messages from MRS Associates saying that they are collecting a debt from XXXX. I keep reporting them as spam and blocking the number, but they continue to text from different numbers. I am not aware of any debt with XXXX. If this debt is legitimate, I have not received any written notification. I have called the company and told them to remove me from their list, but I continue to get texts.
Consumer complaint received 2020-07-09
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. (CA)

I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

HAPPY SATURDAY XXXX/XXXX-XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I signed up for a new credit card in XXXX of 2020 in which I was to receive 3 points for every XXXX  spent up to {$10000.00} or one year. I noticed that I have only been receiving 1.5 points instead of the 3 points. I contacted HSBC via online chat. I talked to a representative for over an hour. She said I wouldn't receive XXXX points until after I spent {$10000.00} which was incorrect. I called the XXXX number only to be stuck in automated black hole.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

HAPPY SATURDAY XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section XXXX. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

TD Auto Finance is reporting erroneous lates on my credit file. I received a late on XX/XX/20 by accident and after this I went to their office and gave them the information to auto draft my payment. I made it so this payment would be drafted a week before the due date to avoid any issues happening. When I checked my credit file and noticed a late for XX/XX/20 I was absolutely furious. To begin, this late was not reported until a few days ago, how? I was not made aware of this late payment, never received any calls notices or letters about this late. My next months payment was auto drafted with no issue. I never had to call and make arrangements for the missed payment. This just doesn't make sense. They had all the information and authorization to draft my payments. This was a mistake by them. If it was actually late they would have had to call me to recover that late payment but they didn't, they just drafted the next months payment. I'm not sure what is going on over there but I need this fixed ASAP. Its is erroneous. I was NOT late on XX/XX/20.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CT)

My bill with comenity card is due on the XXXX of each month and closes on the XXXX of the month I keep it at 30 % of use by the closing date and for some unknown reason they are reporting the wrong information after the closing date instead of reporting the balance as of the closing date. They are waiting till the XXXX or XXXX of each month to report the new uses. I called and spoke to a representative to advised them that is wrong. Being they dont speak English is a major problem. My score drops with this in accurate information.
Consumer complaint received 2021-05-23
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: AES/PHEAA (CA)

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX XXXX  - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 4. XXXX  Fed Loan Servicing - Dates Do not match XXXX, balance incorrect 5. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXX XXXX XXXX XXXX, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (MD)

Network Capital was refinancing our mortgages. One for our primary residence and two for investment properties. They have co-mingled with settlement amounts that supposed to be paid at the time of the settlement to borrower.

NetworkCapital has over charged us on loan points. The most disturbing point in this transaction, they have changed settlement dates ( after signing refinancing packages happened on XX/XX/2020 ) they asked to resign those packages AGAIN in XXXX ( XXXX ) 2020 and in consequence to it, the amounts belong to borrower were manipulated, and incorrect ; pay-offs original mortgage amounts were reduced, but Network Capital inflated new mortgage loan balance.

Another issue, they overcharged and did not disclosed some fees that over-sudden showed-up on Closing Disclose at the settlement date. Closing Disclose ( CD ) was not disclosed until we were at the settlement with notary : Network Capital would send us electronic CD that NOT the same that we were signing at the table. 

At the end of this transaction each refinanced property mortgage balance would be almost XXXX k larger! 

XXXX document have never been provided at the settlement, only after packages were closed, title company sent it with altered and changed amounts. When we contacted NetworkCapital with complain they provided explanation that even after second time around the escrow accounts were calculated incorrectly and they changed our escrow balances.

One more issue : original Bank payoffs were much less than NetworkCapital established for new mortgage. Just an example : Primary Residence : XXXX XXXX XXXX original bank-XXXX   payoff loan XXXX. NetworkCapital ( NC ) loan went to {$430000.00}. ( NC original loan amount estimate was {$430000.00} ) Same problem for investment properties : XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX -NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX T : XXXX x XXXX XXXX F : XXXX E : XXXX | W :  networkcapital.net Manager : XXXX XXXX - NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX | FL | XXXX T : XXXX x XXXX | F : XXXX E : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-03-10
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. (TX)

Experian might pretend to request authorization, close out this complaint as a duplicate or state they do not think it is from me the federally protected consumer and natural person. This is a delay tactic because I have used the last four of my SSN to verify myself with this complaint. Experian XXXX is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Experian received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Experians violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Experians first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Experian who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Experians illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Experian as I continue my private administrative process. I hereby am giving Experian the chance to resolve all these issues quickly to avoid further legal liability in the near future.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Macys american express has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

The Credit Collection Service ( CCS ) with address XXXX XXXX XXXX, XXXX, MA XXXX, attempted to collect a debt that was not mine. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. The Credit Collection Service ( CCS ) sold the debt to another company called XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX, MA XXXX, knowing the debt is not mine and these reporting has been affecting my credit rating.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank the problem is I attempted to solve my problems with you over and over and you keep on Avoiding me direct me as to give me miss leading and unhelpful answers I ask you wanting and you tell me the truth but instead u tell me about a whole Nother situation I am tired of back-and-forth you are not a computer this is not hard to understand I was told by Wells Fargo members that my documents were not usable if this is true I simply want my documents the original documents not a copy if I can not have it back then Wells Fargo must pay for them full liability Wells Fargo I deposit a promissory note into my account making you the trustee you are breaching theTrust And violating antitrust law your agents close my complaint without answering my question I do not want my complaint close until the question is completely answer Handled this in your fiduciary capacity only Here in this complaint we have another trust Where is my original promissory note question number one question number two is since its been over one year of unlawful possession when do you plan to pay me for my property. Return my property to me or take legal possession by paying for it today you have noticed That you owe me {$2.00} XXXX Do you deny this claim And Im tired of your representatives telling me that they will take care of the problem and never take care of it before they close the case I will not stop until you answer my question and return my property and do not tell me nothing about why my account is closed I know exactly why this phone Im tired of agents answering my question with something I dont want to know All I want to know is where all my promissory notes and when do you plan to pay for me for them There was over {$50000.00} in Notes deposit not just one I want them all back and I sent you a bill for {$2.00} XXXX that you owed to me and you deny the claim all calls will be recorded on both ends yours and mine thank you have a nice day
Consumer complaint received 2021-03-15
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. (CO)

Im submitting this complaint against TRANSUNION due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.