davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genesis Credit Management, LLC (WA)

I set up a payment arrangement with Genesis Credit Management the beginning of XX/XX/XXXX. The account rep in charge at the time ( XXXX XXXX ) offered me a deal that stated I would make weekly payments to the account until I paid off half of the full balance and, at the time it would be considered paid and closed and would be deleted from my credit. I have continually made weekly payments from $ XXXX {$250.00}. The rare occasions I had to change the amount or could not pay I called in advance and made the arrangement, and each time I verified it would not void my offer and was told it would not. A payment has never bounced. My account rep has changed numerous times due to ternover at the company but, I have Verified numerous times with each rep that the original offer still Stands, and have always been told yes. That once I paid half ( around {$4500.00} ) it would be closed and deleted. I have asked if I needed something in writing and was told no because, everything is recorded and there are full notes on the account. Less than a month ago when they called to renew my payment arrangement the woman I spoke to ( I believe XXXX XXXX said she was assigned to my account, and that by XXXX I would owe less than {$800.00} which, I agreed to pay with my taxes and the account would be closed and deleted from my credit. This past week I called to adjust my payment arrangement due to a layoff, and XXXX told me that come XXXX I would pay {$4500.00} to close it. I informed her that wasnt what was agreed upon and she directed me to a supervisor. I spoke to him ( XXXX XXXX ) about the Issue and he said the original guy that offered me the deal shouldnt have. I said that wasnt my problem and that Ive alwahs verified the terms with each new rep. He said he could take 55 % of the remaining balance which is {$1900.00} and that because it wasnt in writing he would not honor it. I told him I have worked XXXX XXXX XXXX XXXX XXXXt and that, what is stated on recording needs to be withheld. He informed me that he would not check the recording and that he would note on the account I want taking advantage of the settlement offer.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I lost my wallet on XX/XX/XXXX which contains one of the Credit card issued by Bank of America, at the time I didn't realize I had lost the wallet. On XX/XX/XXXX, I was notified by BOA online website about two fraudulent charges made on the credit card in the amount of {$150.00} and {$500.00} on XX/XX/XXXX. I immediately flag the two transactions as fraudulent and reported card lost on their website. I also opened 2 claims on those two charges on XX/XX/XXXX. After I made the 2 claims, the next day I was temporary credited for the two fraudulent charges. 

On XX/XX/XXXX, I received a letter from Bank of America notifying me that the fraudulent charge in the amount of {$150.00} was indeed fraudulent, hence they credited my account for that amount. 

On XX/XX/XXXX, I received another letter concerning the other fraudulent charge in the amount of {$500.00}, they found that it was not fraudulent because the service/good purchased with the card had the correct billing address at the time of purchase, they deemed it not fraudulent. I was liable for the amount of {$500.00} My balance on the card was reflected with the outstanding amount due on XX/XX/XXXX, and I didn't have that amount of financial asset to pay off the balance due to the recent mortgage I applied back in XX/XX/XXXX On XX/XX/XXXX, I called Bank of America Fraud department ( XXXX ) about the claim denial of the fraudulent charges of {$500.00}, I further stated that I lost my wallet along with my card, that would explain why the billing address was correct then the charges was made. I asked to have the claim re-opened. I also inquired about what happens to the outstanding balance due to the claim denial, does Bank of America temporary credit my account for the charges while they investigate? They said no, I will have to pay it off or make minimum amount before XX/XX/XXXX and accrue interest. 

On XX/XX/XXXX, I called Bank of America Fraud department again asking what is the status of the appeal for the claim denial in the amount of {$500.00}, they told me that it was denied again. 

The due date of the outstanding balance is near, I am not able to pay the {$500.00}, it would require me to cut down my other daily life necessary expenses. 

I couldn't understand that the two fraudulent charges were made on the same day, it deemed on fraudulent and the other not.
Consumer complaint received 2019-10-16
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 applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2020-04-27
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. (NC)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2019-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TCF NATIONAL BANK (TX)

I WAS NOTIFIED BY A COUPLE OF CREDIT AGENCIES THAT TWO INQUIRIES WERE POSTED TO MY CREDIT REPORT. I CONTACTED THE FINANCE COMPANIES, XXXX XXXX XXXX XXXX/XXXX XXXX AND WAS TOLD THERE WERE OPEN ACCOUNTS. I'VE NEVER HEARD OF THESE COMPANIES OR APPLIED FOR CREDIT. ON XX/XX/2019 I RECEIVED A CALL FROM A XXXX XXXX FROM XXXX, PHONE NUMBER XXXX, EXTENSION XXXX. SHE INFORMED ME THAT A CLAIM WOULD BE FILED AGAINST ME REGARDING A LOAN THAT I RECEIVED FROM XXXX XXXX FOR {$2400.00}. I TOLD HER I'VE NEVER HEARD OF XXXX OR RECEIVED ANY MONIES FROM SUCH COMPANY. I TOLD XXXX I WAS A VICTIM OF IDENTITY FRAUD. SOME ONE USED MY NAME AND INFORMATION TO OBTAIN A LOAN. SHE STATED THAT SOMEONE KNOWS ME VERY WELL. I INFORMED HER THAT I HAD FILED A COMPLAINT WITH MY LOCAL POLICE DEPARTMENT REGARDING FRAUDULENT LOANS OBTAINED FROM PREVIOUS COMPANIES. I HAD SENT A COPY OF THE POLICE REPORT TO XXXX. 
PER XXXX XXXX THE SUSPECT WAS ABLE TO CASH THE CHECK AT TCF BANK WITH THE ACCOUNT NUMBER OF XXXX. I SPOKE WITH SEVERAL CLERKS AT TCF BANK REGARDING THIS ACCOUNT, XXXX, XXXX, XXXX AND XXXX AT XXXX. I TOLD THEM I WAS A VICTIM OF IDENTITY FRAUD AND TCF BANK ALLOWED THIS CHECK TO BE CASHED AT THE BANK. I WAS TOLD THAT I WOULD RECEIVED FORMS IN THE MAIL TO FILE WITH TCF BANK. AS OF TODAY, I HAVE NOT RECEIVED ANY DOCUMENTS. THE FRAUD TOOK PLACE WHILE RESIDING IN XXXX, WISCONSIN.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AK)

XX/XX/2019- We are a senior couple. We purchased a home and closed on it a year ago with XXXX XXXX. 5 months ago the note was sold to Mr. Cooper. 
Although we make our home payments with escrow, these companies did not and are not paying the home insurance on time! 
This leaves our home uninsured and uncovered for risk. We live on the Gulf coast in a high rsk area. After the time has lapsed they have submitted insurance payment but we received virtually zero coverage for the alotted time. This happens because these mortgage lenders control the escrow money and it's dispursements. 
Basically it is robbery since we have never been reinbursed for time ( s ) our home was not covered due to their neglect. 

Mr. Cooper purchased our loan ( 5 ) months ago. They too held our money paid into escrow. we called and they told us we could NOT close our escrow with them and pay our insurance and taxes ourselves! Our insurance went into default with Mr. Cooper 's escrow! We had to pay an additional {$500.00} because of their neglect to pay ( while they withheld all our insurance money in their escrow! 
Our insurance agents date and time stamped requests for money went unanswered! 

Last year during Hurricane Micheal XXXX completely neglected to pay our FEMA flood insurance. Astonishingly they paid it LATE -on the very day that the hurricane had already PASSED our area. You guessed it, no refund and NO refund. XXXX had our insurance money in escrow at the time. We basically got zero coverage for the hurricane! But we Still HAD TO PAY and that was on time! 
It MUST BE NICE to charge people for insurance, and enjoy a virtually RISK FREE profit. 
We are quite upset that we have had to not only endure the risk but also pay the fines when they are Neglectful. 
Mr. Cooper has refused to close our escrow account. How can it be legal for them to FORCE us to use a service they are pretty bad at? Every time they pay our bills late in the escrow it costs them nothing and profits the insurance folks risk free bottom line-
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

My summer home was sold on XX/XX/XXXX. Ameris Bank held the mortgage, and also collected escrow. They state that they paid my property taxes and withheld funds for my homeowners renewal that was not due until the end of XX/XX/XXXX. I cancelled the homeowners XX/XX/XXXX and there was a refund from my homeowners in the amount of {$360.00} paid to them. There was no reason to hold funds for a renewal policy since the home was sold. My property taxes for the county were paid by the closing attorney in the amount of {$3300.00}, and definitely not Ameris Bank. They have now owed me {$4400.00} for over 90 days. This has certainly negatively impacted my wife and I because we are in our XXXX and on a fixed income. We have documentation for all items, and respectfully request your help.
Consumer complaint received 2019-05-29
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: DISCOVER BANK (OH)

Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (MI)

I have a credit card from XXXX/XXXX XXXX. There are itemes on my charges that I did not purchase that were purchased fraudulent after Identify Theft. I have notified XXXX and they have now put me into collection with National Enterprises Systems.
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (VA)

Last Wednesday, XX/XX/XXXX at XXXX XXXX, my parents were contacted about my supposed " debt ''. I have already disputed this account and the fraudulent charges NUMEROUS times with no resolution. After each complaint I am promised that the account and charges will be deleted from my " account '' and credit report from Comenity Bank. I am getting very tired of the harassing calls and letters from this company. Now they are contacting my parents stating that they need to be in contact with me or my attorney. I am not sure where this is going, but contacting my family is off limits. I have never submitted any of my family 's information. After my complaint with the CFPB back in XX/XX/2019, I was told by Comenity that this account would be deleted and I would not have any further calls from them. I haven't received any calls, but why start calling my parents? I will repeat again, for about the 5th time to Comenity Bank, I DO NOT OWE THIS BILL AND HAVE NO KNOWLEDGE OF THE SUPPOSED CHARGES ON THIS ACCOUNT!!!! This is not fair debt collection tactics. I have disputed this on CFPB 3 times now and 3 times with the credit bureaus. Enough is enough!!!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Hello, In XX/XX/2018 I received a call from Chase /Amazon credit card stating my credit card bill was 30 day late. Prior to the call I had called Amazon because I was worried I had not received a bill. I was directed to call Chase. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from amazon in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into Chase websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from Chase bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at chase the web sight is auto checked when creating chase acct. It auto enters a check mark, if not un-checked you will not receive a bill. The chase bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into chase websight and made sure check mark for paperless billing was un-checked. 3 mo. later I find out it was reported to XXXX as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. Chase verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

In XXXX of XXXX I purchased a car loan from XXXX. I financed the car through Santander Consumer. 

I am now nearing the end of my loan due date or maturity date as of XX/XX/XXXX. I have owing still XXXX. I have no idea why this is. The car is only worth XXXX or so dollars. I've been trying to purchase another vehicle but to no avail because I'm upside down on my loan. 


I have since contacted Santander Consumer about this problem and they have told me I can keep the vehicle even after the maturity date but was told it would negatively effect my credit due to the loans maturity date and still owing. 


I was never told I would have a remaining balance owing at the end of my loan. And have wrecked credit due to them reporting me late until the car loan is paid in full even after the maturity date.
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nevada Credico, Inc. (NV)

I filed a complaint XXXX against Quantum Collections and XXXX for refusing to remove a debt that was paid in full. With that complaint I attached two bank statements showing payments totaling {$70.00} but somehow CPFB missed to see these payments. When CFPB received the late answer from Quantum Collections they may had overlooked my bank statements. 
Im highlighting the information to make easy to see. 
Please carefully review the facts and you will see that XXXX XXXX XXXX accounting is wrong. 
As per XXXX  statement provided by Quantum I was responsible for {$70.00} that were paid in 3 payments as follow : XXXX XX/XX/XXXX {$20.00} Paid by debit card at the office on the day of service see XX/XX/XXXX statement - attached Payment posted on XX/XX/XXXX. 
Also, you will see that XXXX XXXX XXXX is not showing the {$20.00} co-payment received on XX/XX/XXXX on the statement they provided to Quantum Collections. Why not? 

** XX/XX/XXXX {$30.00} Paid by debit card at the office see XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
** XX/XX/XXXX {$20.00} Paid by debit card at the office See XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
The total amount paid by XX/XX/XXXX was {$70.00} way before Quantum Collection acquired the invalid debt from XXXX XXXX XXXX. There should no collection fees since debt was paid in full before Quantum Collections acquired the invalid debt. 
I always disputed this bill with XXXX XXXX XXXX because their accounting is wrong, but all got is we need to call the office to verify that you made the payments and they would never get back to me. XXXX XXXX XXXX billing office is located at a different location. 
After reviewing these documents, you will see that XXXX XXXX XXXX omitted a payment received on XX/XX/XXXX for the amount of {$20.00}, simple they sold a useless bill to Quantum Collections and Quantum Collections is playing the part of ignoring to the fact so that they can recover what they paid for this invalid debt. 
Dear CFPB please review all documents summited by both party and you will see that Quantum Collection billing is wrong and invalid. 
Simply, debt was paid in full.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KY)

I financed my home purchase with Quicken Loans and had my house payment jump XXXX XXXX dollars a month after first year due to 'unforeseen ' increases in their property taxes. The taxes doubled, this was a gross underestimate of taxes by Quicken and title company, I assume to make loan payments seem smaller when I purchased. Be aware or these so called experts who claim to be XXXX XXXX high rated lender, they don't care about you and they XXXX. Don't trust Quicken Loans/Rocket Mortgage to be in your best interest!!
Consumer complaint received 2019-05-29
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. (TN)

Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc (LA)

XX/XX/2019 Employer contacted by XXXX XXXX using spoof phone number program detected. Informed us that there is a case number. Did not mentioned whom she worked phone, but this isn't the first time her company has contacted from phone number XXXX and XXXX. 

Continuous harassment about a fictitious case number. Contacted employer, relatives, and did not provide written statement as to facts of subject matter. XXXX XXXX avoided providing the name of the company she worked for and any information pertaining to the reason for the call. Just a case number.