davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage Corporation has purchased my 15 year FHA mortgage with in the last year. I received notice in XXXX that my mandatory flood insurance was going to expire on XX/XX/22 and the mortgage company had not paid the renewal from my escrow account. I contacted Freedom Mortgage through their message center online on XX/XX/22 and XX/XX/22. They replied on XX/XX/22 saying that they were preparing the escrow account for payment of renewal. I got a letter on XX/XX/22 saying that they will not accept my flood policy because it was private flood insurance. I called on XX/XX/22 to try and resolve this issue and let them know that it is unacceptable to give only one day notice. Also that they should not have bought a mortgage that they did not accept the terms that were agreed upon when I got the mortgage. The coverage i had was about {$1100.00} a year. Equal coverage that they accept was over {$5000.00} a year. I had to get the absolute least amount of coverage with the highest deductible allowed to be able to afford it. My deductible went from {$2500.00} to {$10000.00}. I asked customer service, the insurance department, and the mortgage department to please Email me all of the documents they have on my file and explain how this was legal. I have not gotten a response.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I recently paid off my balance on my account. The account has been closed since XX/XX/2021. I paid the balance off on XX/XX/2021. I received a statement in the mail stating I still had a balance. I called comenity bank and they informed me that I paid off my balance to late because I had finance charges that came after for {$2.00}. I havent gotten any letters or emails up until this point. So because of this outstanding {$2.00} finance charge I now owe {$14.00} because of late fees and more finance charges. I called the company and told them that I am willing to pay the {$2.00} that I owed for the original finance charge, but I am not willing to pay the extra finance charges and late fees because I had no idea this was happening. XXXX the supervisor told me that there was nothing that they could do and it is what it is. I dont understand how I can accrue more interest and charges when my account has been closed and I have had no communication from them other than this statement 3 months later.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2020 I purchased a MoneyGram money order in the amount of {$90.00} from Walmart in XXXX  XXXX, NY which is one of their agents. Preprinted on their money orders it now says mobile deposit prohibited. This was never printed on their money orders before. MoneyGram has no legal basis for printing this on their money orders or for telling depositors that they can not use mobile deposit as long as the money order was legally acquired and is being used for a lawful purpose. I want MoneyGram to be ordered to legally desist printing this on their money orders and allow mobile deposits.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

First Citizens Bank had a checking sign-up bonus promo of {$500.00} : " Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : - Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days - Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening - Open a new savings account '' The timeline for me is : - Opened and funded checking + savings accounts on XX/XX/XXXX with combined balance of {$15000.00} - Completed 10th debit transaction on XX/XX/XXXX I called the bank multiple times to inquire. One rep told me I qualified but would have to wait for the bonus to post. Other reps told me they would look into it, but never got back. I would like my {$500.00} sign-up bonus.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX Bank for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Enterprise Systems, Inc. (FL)

NATIONAL ENTERPRISES SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ME A BILL FOR XXXX WITH DIFERENT NAME IN MY CREDIT REPORT XXXX XXXX XXXX = NOT ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2020 my loan service transferred from XXXX to Shellpoint. I was in the process of review for a loan modification with XXXX. On XX/XX/2020 I spoke to XXXX XXXX and was told I was put on a forbearance due to COVID and was told I would be covered on the forbearance until XX/XX/2020. On XX/XX/2020 I called to follow up and was told that my single point of contact would return my call. On XXXX XXXX I followed up again and we had a new single point of contact, I sent an email to our new single point of contact confirming that we were protected under the forbearance. On XXXX XXXX I sent another email to my single point of contact. I received an email reply stating that a forbearance would be started. On XXXX XXXX I spoke to XXXX XXXX. XXXX and again asked for the forbearance and was told I would be covered until XX/XX/2020. On XX/XX/2020 I spoke to XXXX XXXX and was told I was not on a forbearance plan. On XX/XX/2020 I called back and spoke to XXXX XXXX who put in for the forbearance and advised that it would be in effect until the end of XXXX XXXX, 2020 I spoke to XXXX XXXX and was told I was not in forbearance and an email was sent to my new single point of contact. On XX/XX/2020 I spoke to XXXX who told me I had 2 spoc and I left a message for XXXX of them. On XX/XX/XXXX, XXXX XXXX advised that the request for forbearance was submitted. On XX/XX/XXXX I spoke to XXXX XXXX. XXXX and I was told I was not on the forbearance and a supervisor would return my call. I asked for the investor guidelines for help during COVID. I was told that someone would call me. No one has called. I am trying to get assistance for my COVID related hardship which is a separate hardship that caused my missed payments in the first place. I can not get any information about what is available to me or why I keep getting kicked out of forbearance. I have attempted to call and I am transferred and hung up on. I feel as though they are hiding information about my loan from me.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (DC)

U.S Bank issued me a XXXX debit card ( U.S. BankReliaCard ) for unemployment benefits. I did not request this card nor have I filed for unemployment. I've tried to report this to the XXXX XXXX XXXX XXXX XXXX XXXX but I'm not certain that I was able to. 

On XXXX, I called XXXX XXXXXXXX XXXX XXXX, got the automated line, and selected the option for the U.S. BankReliacard. I spoke to whom I believe was a US Bank representative who said she deactivated my account. I say I believe she was with US Bank because it took her very long to respond to questions and she did not seem certain or knowledgeable about her responses ... Not very professional. She did not provide a case number and said that " authorities '' looking into this could access the info with the account number that was opened under my name. 

The XXXX unemployment benefits card/unemployment benefits was requested -- not by me -- more or less on XX/XX/2021. I received the card in the mail more or less XX/XX/2021 ( I was on vacation/out of town and got the card when I returned on XX/XX/2021. ) U.S. Bank says that the card had not yet been activated or used. 

In XX/XX/2021 ( more or less ) I initiated a security freeze after learning that XXXX was hacked and their customer 's account info was stolen. 

I also received a letter from XXXX XXXX saying that my request to open an account ( can't tell if it's a bank account or credit account ) was denied. I never contacted XXXX XXXX to open an account. The letter was dated XX/XX/2021. I called XXXX XXXX and informed their Customer Advocacy department. My case # is XXXX. Thankfully, they denied " my '' request for an account.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

During the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, this company continues to deleted their collection off my credit and then have it hit me credit again a few days later. This company does this several times per month. This company has resulted in over 100 points being deleted from my credit for deleted and re-adding. Ive discussed with them numerous times that Im a social security XXXX recipient and unable to pay this debt, and they continue to threaten to take me to jail and seize my bank regardless of my income source. This company contacts me over 25 times per week, and continues to use vulgar and inappropriate language towards when we discuss via telephone.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX *XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-04
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. (FL)

I start to dispute a Car Reposesion with XXXX XXXX since about 9 months and I been sending disputes thru the usa postal service many times and sending certified and with return receipt and since this account is past the status of limitations the original open date was XX/XX/XXXX and now is XXXX of XXXX is time to fall of from my credit report and must be deleted immediately
Consumer complaint received 2020-08-27
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 in 2 years 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. XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX {$390.00} XXXX XXXX {$2000.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$8200.00} XXXX XXXX XXXX {$3800.00} DPT EDXXXX XXXX {$300.00} XXXX XXXX XXXX {$4300.00}
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (OH)

In XXXX sometime, I received a call from a PRIVATE NUMBER!! I answered and it was Phoenix Financial Service Collections. They said this was a LEAGL Matter! Being very scared and dealing with a husband who has XXXX I freaked out. They told me, They were collecting a debt of {$400.00}. I then said, your taking legal action against me, if I do not pay this and they said, YES! I need to pay or they would see me in court! I demanded a bill for what it was they were trying to cleat as I have NO accounting for owing any medical bills at ALL! I then said, your calling a Cell Phone without express written consent which violated TCPA. At that point he said, he had no clue he was calling a cell phone and hung up on me! I never received a bill or anything! Which is a violation of my rights under the FDCPA! And now there is a charge off on my credit! This needs to be fixed ASAP? Removed!
Consumer complaint received 2020-08-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.
Consumer complaint received 2020-08-28
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. (TN)

I've taken the liberty to look through my credit profile and noticed that my accounts had quite a few errors on it. I saw that I was 30 days late on some of the accounts attached and I've never been late on any of my payments and disappointed that this has happened after carefully been avoiding that from ever happening. I don't know if this was a clerical error or some fraudulent activity is happening but I would greatly appreciate if this matter can get handled.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This occurred on XX/XX/2020.Capital One without my permission withdrew {$12.00} from one of my accounts and transferred it into my other checking account with a negative balance they created, now I'm out of {$12.00} that I would like back, and that Capital One just close all of my accounts
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (MD)

Account Resolution placed this alleged debt on my credit reports back in fall XXXX two years after the account was created by them. I disputed it with XXXX, XXXX, and XXXX which ARC failed to validate the debt within the allowed 30 days. XXXX and XXXX promptly removed it. 

XXXX however did not. When I disputed it again with XXXX ARC was allowed another 30 days which violated The Fair Credit Reporting Act ( FCRA ). With this second dispute I unknowingly give them access to my medical PII they never had rights to in the first place and the amount has on my credit report has inaccurate amount of either XXXX or XXXX dollars which another reason why it must be removed. 

As I wanted the matter resolved, I sent a certified letter to ARC back in XX/XX/XXXX to negotiate a account settled which they never responded to. 

Upon further research I found out they are in violation of the No Surprises Act ( NSA ). 

I want the the collection deleted off my XXXX report as they have no grounds to contest payment, never provided me any contract of paying ARC for the debt, and the alleged client has passed any statute of limitations to sue me over the alleged medical debt.
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Im am a victim of being focused to pay a student loan when I never started the first day of class. To my understanding the school is now closed and Ive tried my best to get rid of this debt. The school that I went to was closed due to fraudulent loan payments to them and Im a victim of this
Consumer complaint received 2020-08-28
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. (SC)

U.S DEPT OF VETS AFFAIR ACCOUNT WAS PAID AND CLOSED IN XX/XX/XXXX. TRANSUNION HAS THIS ACCOUNT LISTED AS 120 PAST DUE XX/XX/XXXX. I CALLED TRANSUNION AND THE FIRST REP TOLD ME THAT EVEN THOUGH THE ACCOUNT IS CLOSED THEY CAN STILL PUT 120 DAYS PAST DUE FOR XX/XX/XXXX. THE NEXT REP ( SUPERVISOR XXXX  ) STATED THAT HE DOESNT SEE IT AND I MUST BE READING MY REPORT WORN. I DEMAND THAT THIS ACCOUNT REFLECT CORRECTLY OR BE REMOVED. THIS IS AGAINST THE LAW TO INTENTIONAL REPORT INACCURATELY. I AM TRYING TO PURCHASE A HOME AND THIS MAKES MY REPORT LOOK AS IF I WAS LATE FOUR MONTHS AGO.
Consumer complaint received 2020-08-28
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. (AZ)

XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on Trans Union and XXXX. XXXX has corrected it. Thank you, XXXX.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous complaints for XXXX and XXXX also trans union to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports