davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

I purchased a condominium on XX/XX/XXXX and the lender that provided me the mortgage was XXXX XXXX. On XX/XX/XXXX, this lender was acquired by Ameris Bank. 
Since that date, my monthly mortgage payment increased from {$1000.00} to {$1200.00}. In XX/XX/XXXX, I communicated with Ameris Bank and they requested copy of the Master Insurance of the building to be able to adjust the amount. In XX/XX/XXXX I called them back because the mistake was not fixed. Ameris bank answer was that after they reviewed the Master Insurance form noticed that the increase was cause not by the Master Insurance, but by the increase of the Property taxes so,  they requested the copy of the Property taxes bill. I sent to them copy of the bills from XXXX and XXXX and the difference between those years was just $ XXXXThis showed them that neither the Property Taxes was the reason for the increase of my monthly mortgage. 
During all this time I continued making the monthly payments because I did not want to damage my credit. In XXXX and XXXX, I send the amount they requested ( {$1200.00} ). In XXXX I decided to pay the original monthly mortgage payment of {$1000.00} because they did not have a reason to increase it. 
In XX/XX/XXXX, they decided to take the XXXX payment and put it in a Suspense Account, so they never reflected the XXXX payment for the contrary they started calling me and sending me to collection without a reason or explanation of it but they damaged my credit history. I have been doing everything that they requested me. In XXXX the send me a letter stating the my new monthly payment was adjusted to {$1000.00} without any explanation but they never went back to records to adjust the XXXX, XXXX, XXXX and the XXXX payment was still in the Suspense Account so they are reporting me since then that I never pay that month. 
I have been communicated with they through they server as per their request, but they stopped responding to my email. 
I called Ameris Bank to request information of their Legal Department to be able to send them a Qualify Written Request and they told me that they do not have a Legal Department and they did not know what was a Qualify Written Request. I spoke with a supervisor and she told me that they only option I had was to pay the missing monthly payment. 
On top of everything, they have gotten my payments before the XXXX of each month and they are showing them as late payments. 
Please help me to resolve this issue of the missing payment, to fix my credit report history and to stop their collection department to harass me. This is their mistake.
Consumer complaint received 2021-04-24
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: CITIBANK, N.A. (MN)

THD/CBNA is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. THD/CBNA wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. THD/CBNA also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting THD/CBNA delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Consumer complaint received 2019-09-06
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. (FL)

Hard inquiries on my account that i did not authorize. Contacted Equifax and spoke to two agents who refused to help me. 

XX/XX/XXXX Creditor Name - - XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX XXXX XX/XX/XXXX Creditor Name - - XXXX XXXX  XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OR)

I have two balance transfers through Discover. One is due on XX/XX/XXXX and one is due on XX/XX/XXXX. I recently made a payment of {$2000.00} on my account so I could pay off the amount that was due on XX/XX/XXXX. I checked in today and Discover told me I have an active balance of {$1600.00} on the balance that is due on XX/XX/XXXX. I think, well, this can't be correct. It turns out they applied my entire payment to my OTHER balance transfer, the one that is due a year from now. I went through a representative who wasn't able to help me and spoke with " XXXX '' from XXXX, AZ. He assured me that this is normal and that there is NO WAY to either reverse the charge or apply it to the correct balance. He also told me that there is no way to PAY on that balance, until the entire balance on my balance due in XXXX is paid which sounded even more ludicrous. I asked several times if there was any way he could help me on this and he just kept doing a copy/paste job on what on some scripted text they have. Even after I told him my family would go hungry if I had to pay an additional {$1600.00} on top of the {$2000.00} I already gave the company that month. He kept stating there was nothing he could do. Then after doing some XXXX searches, I found you, you can indeed request the company to reverse your over payment back to your bank account, I told XXXX this and he said " well I didn't think you would want that option ''. Long story short, I'm supposedly getting the {$2000.00} sent back to my bank account, so now I can wait till my balance transfer expires and then and only then I can make the full payment on it. This entire thing made me super skeptical of Discover 's business practices. They're definitely using some loopholes to benefit themselves over the customer and instructing their supervisors to not budge or refund money unless explicitly asked. Once my account is paid up I will be closing this card and running far far away from Discover. Your company can do better than this. I will likely now have a ding on my credit report for letting the balance transfer " expire '', but they've literally given my no other option than to pay the entire balance in full. Very deceptive, predatory practices. XXXX also refused to give me contact information when I wanted to file a formal complaint, so here I am on consumer finance.
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (GA)

I filed a credit report dispute with the Experian XXXX and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

OK, MY FRIEND SEND ME A INVITED TO MY PHONE BUT I LOTS IT.SO KNOW I'M SORRY TO SAY I PUT MY UNEMPLOYMENT CARD ON THE PHONE THAT GOT LOST AND SOME HOW I SENT {$75.00} DOLLARS TO SOME ONE I THOUGHT I WAS GETTING THE MONEY NOT SENDING IT OUT. NOW I WANT IT BACK PLEASE AND THANK YOU
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (OR)

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, XXXX, ie younomics, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX  lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that XXXX agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and younomics needs to stop reaffirming a debt they agreed to discharge.
Consumer complaint received 2019-09-06
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: JPMORGAN CHASE & CO. (TX)

Chase representative messed up my accounts and sent me a replacement card, closed my previous account without my oral/written consent ( Please note : I am in a very good standing, no balance left unpaid whatsoever ). I found this very unacceptable and unprofessional. Apart from apologising, Chase did not do anything to make things right ( restore my account ) or to compensate for inconveniences caused. 

I also do not feel safe with my information if Chase employees are authorised to issue cards without my oral/written consent.
Consumer complaint received 2020-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I reviewed my credit report to find this company had placed an unverified account on my credit profile. 

I reached out to this company to inform them that this information is incorrect because I had XXXX XXXX and not XXXX as they stated they did not supply me with any documentation on this debt and I also informed them that I share the same name as my father. 
They were unable to verify any of the two vehicles that is currently registered to me This is unacceptable and this is hurting my credit during a global pandemic and they cant place inaccurate information that hasnt been verified. 
I have no contracts or dealing with this company!
Consumer complaint received 2019-09-07
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. (WA)

I have sent several copies of my current FTC Identity Theft Report to Equifax, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
Per federal law ( FCRA 605B ), consumer reporting agencies are REQUIRED to BLOCK the reporting of any information identified as fraudulent within 4 business days after receiving the aforementioned documents. Equifax is ignoring federal law, believing it is their right to do so, according to one phone rep.

I have called Equifax several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. This is clearly willful noncompliance as defined by FCRA 616, making Equifax liable for the damages described therein.

They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them.

As a military veteran, I am shocked and disgusted that a large,  supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. I would like to see an investigation led by a government agency look into this matter and force this rogue company to abide by the law.
Consumer complaint received 2019-09-06
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. (AL)

After contacting XXXX, Equifax, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.
Consumer complaint received 2020-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

We filed a complaint previously ( in XXXX ) with CFPB : the issue was that we were paying Shellpoint via ACH regularly with no problem and then all of a sudden in XXXX they stopped posting our payments. We had proof the payments were made on time every month and the ACH went from my bank to Shellpoint. After the CFPB complaint was submitted, Shellpoint all of a sudden " found '' and properly applied the 3 months of mortgage payments they insisted were not paid but we were able to proved had arrived on time- they simply are not allocating them. 
Shellpoint sent me a letter indicating they had properly applied all payments and removed all late fees and had notified all credit bureaus to remove any strikes to my credit as a result of Shellpoint 's errors. 
We thought this was corrected and continued to pay each month, on time. Every month. 
Since that initial 'correction ' Shellpoint made they have once again reverted to not applying my payments though they are absolutely being received via ACH. 
Shellpoint collections people call me constantly insisting my account is in arrears. It is not. 
It is IMPOSSIBLE to get to anyone at Shellpoint who can fix this issue- all the collections folks say there are no payments and we're in arrears. We are NOT. 
EVERY payment has been made well before the due date. 
I really need your help in getting to a person at Shellpoint who can fix this once and for all. It is THEIR system error entirely. 
Thanks for your help! 
XXXX XXXX
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (NC)

I have request Equifax on 4 different occasions to remove the dispute remarks from XXXX XXXX ending in XXXX and the XXXX account. On both accounts I have never disputed them, I agree with the balances and the payment history on both accounts. I have received notices from Equifax that they have resolved when my issue when no they haven't. They keep working on the wrong accounts and not paying attention to the two accounts I have questioned for them to remove the dispute comments from. So, I have attached the two accounts I pulled them right from the Equifax website for my credit report and as you can see there are dispute comments on both accounts and they need to be removed asap.
Consumer complaint received 2021-10-06
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. (TX)

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Equifax credit report. I have contacted them to remove these inquires and they will not do so.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/20 I went to Transunion 's website to get a free credit score report. I only realized later that I had unwillingly signed up for a monthly fee for service. Nowhere on the website did it say I would be charged a monthly fee to receive my credit score.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

I recently opened a checking account with M & T Bank online depositing {$25.00}. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX eposited a loan amount of {$850.00} on XX/XX/2019. 

M & T Bank stated that is a fraudulent Company and check and put a block to my online access to my checking account. They claim XXXX XXXX check will not clear. 

HOWEVER : I repetitively tried to communicate with representatives of M & T Bank. 

AND THEREAFTER : XXXX XXXX deposited {$900.00} today, XX/XX/2019 and M & T I have employment training to attend shortly and bills to pay. M & T stating my available balance is over {$1000.00} yet they in addition put a Hold on my account AND stated I will have to wait ONE to TWO weeks for their Investigator to call me. FRAUD!!!!!!!!!!!! 

I have very important payments to make and begin my training & employment. This is IMPERATIVE that M & T allow me access to my monies. I had a previous account with M & T Bank, XXXX, NJ just a few months back and as I was forced to not continue work at the time, I had to close my account ; there was never any problem. Please assist. 

Please press Complaint & Fraudulent Unlawful Withholding of Monies against M & T Bank.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

Issue is with PayPal credit and PayPal Mastercard : Credit is funds from checking ; not to be confused with PayPal Mastercard. 

Two charges were added to both PayPal credit and Paypal mastercard ; meaning I paid twice. 

XXXX in the amount of {$5.00} through XXXX XXXX ; charged twice Transaction id for credit : XXXX XX/XX/ XXXX for shipping label transaction Id for paypal credit : XXXX These same charges are on my PayPal Mastercard, I'm attaching all both bills so that other will be able to identify all the evidence.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (TX)

Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.
Consumer complaint received 2019-09-06
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. (FL)

There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

I filed a complaint XX/XX/19 on Mr. Cooper home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they where trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are bullies they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of ur house like they bout to sale it tomorrow, if I wasnt a single mom Id pack my things and move, they will not run me out of my mortgage, the paper work the sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from cenlar, so nothing got accomplished