davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC (IL)

XXXXXXXX XXXX  XXXX XXXX continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (GA)

I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and amount. these account says closed open. 

Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus. 
Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.
Consumer complaint received 2023-11-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (VA)

I purchased four {$500.00} visa gift cards from XXXX that are US Bank branded cards on XX/XX/23. I have tried to use them multiple times and called multiple times to try to get them " unlocked '' to no avail. US Bank is non-responsive.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted Trans Union to Dispute ( 2 ) collection on report. I advised them on several occasions that these accts do not belong to me and were a result of identity theft. They keep stating that the verified the info to be correct, however they are not showing me what documents are being used to verify the accounts. My identity was stolen therefore the person will have my info. I need to know the ID THEY USED, Verified bank account info, address etc. they havent sent any documentation to prove this. I need these removed from my report. They removed them before but they appeared again a few months ago. Please have them removed. 

Thank you
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nexum Group Inc (CA)

This alleged debt relates to a property that I solely own in my individual capacity. 

On XX/XX/, prior to any attempts being made to contact me about the debt, my husband, who holds no legal responsibility for any alleged debt, was contacted by XXXX XXXX of Nexum Group , IncXXXX My husband forwarded XXXX XXXX to me and during our conversation I informed XXXX XXXX that I am a resident of the state of XXXX  and am on PST as opposed to the time zone of his employer ( they are licensed in XXXX XXXX 

On XXXX XXXX XXXX  contacted me multiple times starting at approximately XXXX XXXX XXXX I re-informed XXXX XXXX both via text message and verbally during a phone call later that day that I am a resident of the state of XXXX  and that I am on XXXX and not to call me at or around XXXX XXXX XXXX XXXX XXXX that he understood and wouldn't continue with his actions going forward. 

Today, XXXX, I received two phone calls from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX XXXX and his company, Nexum Group , Inc., despite repeated warnings, have continued to call at unconscionable hours, completely disrupting my home and children. 

Furthermore, I have been unable to find any license information for this company in the state of XXXX, the state where I reside.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MO)

In their attempts to collect a payment they are harassing me via my cell phone. Most recently, on XX/XX/2023, they called repeatedly while I was at work. They called at XXXX and left a voicemail. They called again minutes later at XXXX and they called again at XXXX. Back to back to back calls. It is causing mental/emotional distress to be receiving these calls like this. It feels very threatening and makes it so that I do not want to talk to them regarding my account.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Consumer Financial Protection Bureau, I am writing to bring a serious issue to your attention regarding a recent incident involving an ATM deposit at [ Bank Name ] on [ Date ]. I, XXXX XXXX, deposited a significant amount of {$6800.00} during my lunch break, but the machine only credited {$2.00} to my account. This is an alarming discrepancy that requires immediate attention and resolution. 

Upon making the deposit, I noticed the discrepancy on the ATM screen and attempted to obtain a printed receipt to document the issue. Unfortunately, the machine failed to provide a receipt despite my repeated attempts. Understanding the urgency of the matter, I promptly contacted [ Bank Name ] to report the problem. 

During my conversation with a bank representative, I was assured that a credit would be applied to my account today. However, to my dismay, the credit has not materialized as promised. Given the substantial amount involved, I find this delay and lack of resolution deeply concerning. 

I kindly request your assistance in investigating this matter thoroughly. I implore you to take immediate action to send someone to inspect the ATM machine in question, as it is crucial to determine the cause of the discrepancy and ensure that it does not happen to other customers. 

I have diligently followed the necessary steps by contacting the bank and providing them with all the pertinent details, including the date, time, and location of the incident. Despite this, the issue remains unresolved, and I am left without answers or a resolution. I believe your intervention is necessary to rectify this situation promptly. 

Enclosed with this letter are copies of any relevant documents, such as my bank statement showing the discrepancy and any written correspondence exchanged with the bank. Additionally, I have kept a detailed record of my communication with the bank representatives, including their names, dates, and times of contact. 

I, XXXX XXXX, am deeply disappointed and concerned about the handling of this matter, as {$6800.00} is a substantial sum of money. I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a fair and swift resolution. 

I look forward to your prompt attention to this matter and a favorable resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (SC)

Home point financial purchased my mortgage in the middle of XX/XX/XXXX, they then charged me for insurance at a rate triple of what my current insurance was I was not contacted and did not find out until I was looking at my online statement in early XX/XX/XXXX.

They had opened up an escrow account without my knowledge or permission, I asked them to provide documentation of when I gave permission for them to open escrow and they can not provide it.

After charging me for insurance when I had already had insurance, I called and emailed proof of insurance on XX/XX/XXXX.

Several weeks later they still had not corrected and refunded my account. I sent additional information and after over a month they credited my account for the insurance.

However, They have increased my mortgage payment by {$100.00} a month and have not closed the escrow account. I have emailed over 10 times. In addition, they charged late fees when I refused to pay the increased mortgage payment.

I BELIVE THEY ARE BUYING Mortgages WITH THE INTENTION OF MAKING MONEY BY CHARGING FOR LENDER PLACED INSURACE. With little research I was able to see the lending company is affiliated with the insurance company writing the lender played policies. I can not think of any other reason they would have purchased my loan as it has a very low APR and is only a few years from being payed? They would have made more money underwriting a new loan at current rates? Also when they purchased my loan they must have inquired if the property was currently insured? PLEASE LOOK INTO THIS!
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. I am a XXXX XXXX, and I am being taking advantage of. 


I have not been successful on getting rid of this issue.
Consumer complaint received 2023-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (NY)

As per the attached documents : Chase has provided inaccurate/false mortgage statements that indicate that the HELOC or Home Equity Line of Credit is a XXXX mortgage or XXXX Lien when XXXX is not. 

Chase has filed inaccurate/false " Proof of Filing Statement '' with XXXX Department XXXX XXXX XXXX XXXX XXXX. 

Chase used both the innacurate/false " XXXX mtg '' mortgage statements and false XXXX " XXXX of XXXX XXXX '' as " XXXX Lien '' XXXX file foreclosure with the court. 

Chase has egregiously doubled the HELOC mortgage payment from ~ {$280.00} to ~ {$600.00}. 

Chase needs to provide accurate mortgage statements with accurate payment and outstanding balance listed and REMOVE XXXX XXXX or XXXX mortgage from every mortgage statement. 

Chase needs to file an amended " XXXX of XXXX XXXX '' with XXXX given that it is not " XXXX Lien '' as the attached court document indicates. 

Chase needs to amend the mortgage to reflect a mortgage payment significantly lower than {$600.00} - a modification is not a reduction by {$2500.00}.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. If the following accounts are not removed from my credit report due to inaccurate reporting and unverified information, I will move forward with filing a statement of claim. Immediately remove the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX has since removed this account from my credit report. Please see the attached FTC report and remove the aforementioned accounts
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the XXXX XXXX. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (GA)

Loan servicing company, Loan Care on behalf of XXXX XXXX Bank, has experienced a cyber security attack and did not contact me to address the issue, still haven't. The only way we can make payment is via mailed check and the last time I did that, it took XXXX for them to post payment which resulted in me having to make XXXX mortgage payments in 1 month to avoid default. There are thousands of people affected this at the moment and we have no options to make our mortgage payments. No one with Loan Care will answer the phone and the banks it services can not help either.
Consumer complaint received 2019-01-31
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: CITIBANK, N.A. (CA)

In 2012 there was a Macys card opened under my name which I never authorized. I had been asking Macys to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (PA)

I have contacted the credit bureaus and Self regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Specialized Loan Servicing Holdings LLC (WA)

GOT HELOC LOAN IN XX/XX/23 ', INTEREST RATE 9.87 %, INTEREST ONLY PAYMENT FOR 1st YEAR, {$430.00} MONTHLY. THEY SOLD LOAN TO SPECIALIIZED LOAN SERVICING IN XX/XX/23 ', THEY SENT PAYMENT COUPON STAING PAYMENT NOW {$1100.00} MONTHLY!!!! I CALLED, THEY SAID APR RATE NOW 10.12 % BUT I SAID IT'S NOT EVEN 1 % INCREASE SO CAN'T BE THAT MUCH INCREASE, IT'S OVER DOUBLE!!!!?!??! ANYWAY NO RESOLVE WHEN I CALLED!!!!! CAN YOU HELP ME??