davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

XXXX Freedom Mortgage acquired our mortgage for XXXX XXXX. XX/XX/XXXX our mortgage payment increased by {$110.00} to cover a shortage in the escrow. Freedom Mortgage would not provide a reason, and referred us to the insurance company. The insurance company said it was 'inflation '. We revisited this question with Freedom Mortgage and we were told that our property taxes had doubled. Upon contacting the local tax office, that was not the case. We were told that we have only have to pay {$110.00} for 6 months to cover the shortfall. We should have had an excess balance in escrow, we did not. In XX/XX/XXXX, XXXX XXXX raised our insurance policy by {$700.00}. We changed our insurance to XXXX starting XX/XX/XXXX. By this time, FM had already paid the yearly insurance payment to XXXX. XXXX sent a check to us in XX/XX/XXXX. We paid FM that {$1900.00} to cover the new insurance payment to XXXX as they had already invoiced FM. FM did not pay XXXX until XXXX of XXXX. In XXXX, FM has increased our mortgage payment by another {$180.00} stating that we were short on escrow again. Upon further examination on the FM website the {$1900.00} was credited to our account, however the paper statements do not show that deposit. Presently, FM has requested that we prove to them that we paid them the {$1900.00} in XXXX of XXXX, even though their online system shows that they have received it. Our mortgage has increased by {$300.00} in 3 years. I have filed a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 2022-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HOME BANCSHARES, INC. (AR)

On XX/XX/2022 I submitted an international wire transfer to XXXX XXXX in XXXX, originating from my local bank branch, Centennial Bank in XXXX XXXX, Arkansas. The amount of the wire was {$12000.00}. 
After several days, the beneficiary had not received the funds so I went back to my bank branch to try to trace the funds. At that time we discovered that the account number had not been entered correctly and one or more numbers had been transposed. On XX/XX/2022 my bank submitted an amendment to the wire department with the corrected account number, but by that time the original wire had already been applied to the wrong account and could not be recalled. As a result I have lost over $ XXXX due to this error. 

I recently submitted my claim to FDIC, who referred it onto The Federal Reserve, and they referred me to CFPB as having jurisdiction with this bank institution.
Consumer complaint received 2021-02-24
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: Experian Information Solutions Inc. (OH)

I have contacted Experian since XX/XX/XXXX in regarding my credit report not updating since XXXX XXXX XXXX. The issue was never fixed. I contact Experian again and spoke with several reps a I was told it was my system however there system show My most update credit report as of XX/XX/XXXX. I asked to have a credit report mailed today XX/XX/XXXX at XXXX et and asked if the credit report will show an updated credit report. I was told the information will be dated for XX/XX/XXXX and a ticket was issued and the credit report will take 7-10 days from an supervisor at Experian. This is affecting me because I am not able to view my credit its also telling credits my account is frozen and I only have XXXX and XXXX frozen not Experian I was not offered any compensation due to this inconvenience. Just an sorry mam
Consumer complaint received 2022-06-21
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. (LA)

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-24
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. (TX)

The account XXXX XXXX Bank is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
Therefore this account should be deleted immediately.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-02-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (ND)

We are in the process of refinancing and can not get the correct payoff from Dovenmuehle after several unsuccessful attempts to communicate with them. The issues stems from their failure to correctly manage our escrow which they misspent and demonstrates us in a negative balance which has increased our pay off amount. 

My husband ( a XXXX veteran ) and I have recently worked with a new lender and secured a much lower interest rate for a refinancing opportunity. However, the new institution we are working with can not receive the correct pay-off amount from Dovenmuehle Bank which has caused us to request ( and pay for ) a rate lock extension. I have tried over the last 2 weeks with at least 10 separate attempts to communicate with Dovenmuehle to receive a correct pay off amount simply to be placed on hold for hours with no results, disconnected, or outright provided incorrect information. We fear, based on current communication impasses with Dovenmuehle, we have the potential to lose the refinance interest rate we are locked into. This would result in us losing thousands of dollars due to Dovenmuehle 's negligence. 

In XXXX I was checking with our local county to verify our property taxes, I ( not Dovenmuhle ) discovered they had used our escrow to pay another homes property taxes. This discovery began a long two month process with the same failure to receive information, speak to someone with authority to impact the situation or attain any results to rectify the issues with our local county tax department. 

The issue from the tax fiasco is the contributing factor to our current unresolved issue. We currently have an escrow balance of {$1800.00}. This amount is correct and is shown on our recent escrow analysis. However, the payoff statements we receive are showing our escrow is still in the negative because they have not correctly rectified their mistake with our money. The negative escrow balance of {$4100.00} they are showing has increased our payoff amount. We simply want to have them correct their records and provide our new lender and us with a corrected pay off amount in time to secure the refinance interest rate so we can leave the nightmare they have created.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

My credit card payment to Synchrony Bank Care Credit Call ( XXXX ) XXXX Synchrony, XXXX XXXX XXXX, XXXX, FL XXXX is due on the first of the month every month. I make my payment one day early before the due date. I am being charged a late fee in the amount of {$41.00}. This is fraud. I called the customer service number and they were not able to provide me with an acceptable answer.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here. It is just effecting me a great deal as I used PayPal quite frequently. I have more than {$200.00} on my account and I urgently need it for my brother 's medication, he will undergo XXXX and we need that money. Please help me fix this. Thank you. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-08-21
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. (TX)

I reached out to the credit bureau via called, faxed and mailed and no action have be taken with the unauthorized inquiries. can you please help me out. 
THANK YOU.
Consumer complaint received 2022-08-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 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. The following Account ( s ) : Debt Collector : XXXX XXXX  Account number : XXXX Amount : {$340.00}
Consumer complaint received 2022-08-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/22, I was contacted around XXXX via text with a message mirroring a typical Chase fraud alert, asking if I was trying to make a XXXX purchase. I replied " No '' to that message as shown in the screenshot attached. 

Immediately upon my reply, I received a phone call from the Chase customer service line that I've memorized since college 14 years ago ( see attached phone record ). I trusted the agent on the line because of the number from which they called. 

They pretended to be investigating my fraud case and asked me for personnel details. They used these details to access my Chase account. 

After the agent hung up the phone abruptly. I check my account. The " agent '' had transferred {$1000.00} from account XXXX to account XXXX. Then proceeded to fraudulently send a XXXX payment to themselves in the amount of {$500.00}. 

I then contacted Chase 's actual fraud department and reported this. After being transferred 3 times, I was told that they would send a reversal request to the other bank to see if it would be approved. I was then advised to call back in 10 days. 

I suspect that no action was taken by Chase and this was an attempt to disregard the matter. I sent chase a letter requesting my funds be returned to my account as consumers should receive protections from fraudulent activity. 

In response to my letter. I received the attached chase letter stating that no action will be taken to resolve my inquiry. 

My desired resolution is that chase will immediately credit the {$500.00} to my account.
Consumer complaint received 2022-12-08
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX # XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am XXXX and requested a new credit card. Customer service refused to assist me if I had the computer reading to me, I then asked my daughter for help and they refused to allow anyone to speak other than me. They said I had to read the number from a text message. When my phone read the message they refused to accept it because it was not my voice. I repeatedly explained the situation. I stated disability rights language to them ... they refused to assist me in getting a new card. My card had expired. The customer service escalation assistant was rude, spoke over me repeatedly and in the end ... 1.55 hours did exactly what I was asking for .... sent me a new card. However, this is an exact repeat of the problem we had when we first requested new cards in late XX/XX/2020. This escalation expert repeatedly refused to follow the ADA guideline for providing a voice option to the number, was beyond rude and very dismissive. If requested for speech or hearing impaired he is required to allow third party assistance with verbal permission. Employee name is XXXX employee number XXXX. Refused to escalate to customer complaint, customer service or consumer complaints. Refused to provide customer complaints direct phone number
Consumer complaint received 2022-12-14
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-06-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (KY)

Over the course of the last 15 years or so, a former friend ( XXXX XXXX ) used my identity to co-sign her student loan request through XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$26000.00} ( including additional cost for late fees and " penalties '' ) prior to current Federal Law and Statutes. XXXX XXXX dropped out of college, and refused to pay the loans. XXXX XXXX XXXX XXXX XXXX attempted to collect the debt from XXXX XXXX via multiple collection agencies but to the best of my knowledge, were unsuccessful, therefore they attempted to collect the debt from me as the co-signer. This negativley affected my credit report and score for many years, costing me thousands of dollars of unnecessary high credit percentages for any type of loans I required vehicles, appliances, among other necessity. Eventually, the collection agency filed a civil suite against me in order to collect the debt, therefore I had no choice but to hire and law ferm to assist with the counter suite against the collections agency/s in order to remove this derogatory info from my credit history/report costing me even more financial hardship. The entire suite took over 5 years to resolve, and the XXXX XXXX Court System dismissed the case due to the Creditor and Collection Agencies failure to appear in court. Since then, I have spoken with XXXX XXXX XXXX XXXX 's managers/staff and they have been advised on multiple occasions that " THIS IS NOT MY DEBT '', and " I DO NOT OWE THEM ANYTHING ''. Furthermore they have been advised, as well as MRS BPO LLC to stop contacting me in any form about this debt, but they continue to send letters to a former address ( XXXX XXXX XXXX, XXXX, KY XXXX ) where I no longer reside.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I wrote a letter to all the CRA 's : XXXX, XXXX, and Transunion on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.
Consumer complaint received 2022-07-11
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. (TX)

1. I sent a letter dated XX/XX/XXXX and addressed to TransUnion to the following address, TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed TransUnion of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from TransUnion stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears TransUnion responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, TransUnion recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

2. I sent a letter dated XX/XX/XXXX and addressed it to XXXX to the following address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed XXXX of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.