davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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. (NV)

I reviewed a copy of my credit report and I found inaccurate or fraudulent inquiries showing within my report. I have completed an FTC/ and police report which was forwarded to the credit bureaus to investigate. I have been continuing to have difficulties with removal.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

For my residence of XXXX XXXX XXXX, XXXX, California XXXX I am completely current on my mortgage payments to date. however, my taxes and insurance escrow payments keep getting misapplied to forward paid mortgage payments thereby putting me about 1 year behind on my property taxes. the current mortgage, SPS financial, is doing this in order to adjust their portfolio and make it more attractive to investors. My concern is that there was will raise my mortgage payment in FY 2021. I need the cfpb 's help in resolving this issue to make sure that my monthly payments are applied appropriately to principal interest taxes and insurance.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. XXXX. Reports no score. Called over and over says its ok. But never is
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I filed complaint # XXXX with CFPB on Discover. XXXX at Discover called and I thought he understood. He said he would call back after review. That didn't happen and I received the same ole information I have always received from Discover. This complaint is because XXXX didn't do as he said and call after his review.
Consumer complaint received 2021-07-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX XXXX sent me to collections on an amount that my insurance was late paying. My insurance did pay. XXXX XXXX XXXX  took that amount and applied it to other billings. Ones it was not for. Now I have a collection agency calling my " Progressive Management ''. on billings my insurance has paid, I have given proof of this,
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Since XXXX of XXXX when FedLoan Servicing became my student loan servicer ( taking over from XXXX ), FedLoan has been the source of a range of problems. I have experienced poor customer service, getting conflicting information about my loans & what I believe to be an inaccurate payment count towards my Public Service Loan Forgiveness. I have contacted FedLoan by telephone numerous times throughout the past three years only to be told that a report has been made & corrections towards the payment count would be applied, however this has never happened. FedLoan has not counted most of my payments towards PSLF for the three years while I was in an income-based repayment plan during my residency training ( XXXX ). Furthermore after graduating residency training in XXXX, I have been at the same job to this present time that I have verified numerous times through documentation with FedLoan, and payments towards PSLF during this time are missing/have not been applied. I also believe that some of my payments though the XXXX XXXX XXXX XXXX have been allocated in ways that tie me to the higher interest rate portion of my loans. These problems have lead to significant distress & confusion for me, leaving me with no other option but to contact the Consumer Financial Protection Bureau.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2020. 

I sent a secure message to the bank asking them to close my account. 

They replied on XX/XX/2020 saying that I need to go to the branch. 

Theres a global pandemic going on and I have elders at home so I cant risk going out. 

One month later XX/XX/2020 they still havent closed my account and now its over drawn from monthly fees.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of 2020 I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CIBC BANCORP USA INC. (IL)

CIBC Bank USA includes a mandatory arbitration provision in their Consumer Deposit Account Agreement effective XX/XX/XXXX. In said provision, CIBC names the XXXX  XXXX  XXXX  ( i.e. XXXX  ). See attached CIBC Account Agreement. 

Beginning on XX/XX/XXXX, the XXXX  Consumer Rules require that any company who names the XXXX  in a consumer arbitration provision has to first submit the arbitration provision for review of said provision at least 30 days before the effective date. The XXXX  will then review the arbitration provision to make sure it is in compliance with the Consumer Due Process Protocol and Consumer Arbitration Rules. See attached Rule R-12 of the Consumer Rules. 

However, CIBC 's arbitration provision included in its Consumer Deposit Account Agreement is not included in the XXXX  Consumer Clause Registry. See attached XXXX  Consumer Clause Registry. So it appears CIBC is in violation of the rules. 

And the XXXX  will decline to administer consumer arbitrations arising out of an arbitration agreement if the business declines to pay the review and Registry fee. See rule R-12. 

CIBC should not be allowed to force its customers into arbitration thereby giving up their right to sue in state or federal court and then fail to follow the XXXX  rules resulting in their customers having no legal remedy whatsoever.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

On XX/XX/2020 I mailed a letter asking for validation an alleged debt. I only received an account summary which was not debt vaildation. So I wrote another letter on XX/XX/2020 addressing that. My requests were ignored on two occassions and I know the letters were received because I mailed them certified with return receipt so i could know. On XX/XX/2020, I noticed this illegal debt was still showing on my credit report so I mailed another letter to them of estoppel by silence which I read about online. On XXXX XX/XX/2020 they sent me correspondence again which stated it was an attempted to collect a debt and sent an account summary and a bill again which is not debt validation. On XX/XX/2020, I mailed another letter addressing that it they didn't validate the debt per fdcpa. On XX/XX/2020, they mailed me more correspondence which clearly stated this is an attempt to collect a debt a nd just basically said that they manage LVNV Funding LLC. To date, this illegal debt is showing on my credit report.
Consumer complaint received 2023-05-19
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: JPMORGAN CHASE & CO. (IL)

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 Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) 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, XXXX XXXX! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-14
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and XXXX
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

To whom it may concern. 

I am having difficulty with obtaining my data from HSBC. Attached are official records that show communication of my request for information starting from XX/XX/XXXX. However, I have been calling to HSBC XXXX requesting this information since XX/XX/XXXX, and on XX/XX/XXXX I visited HSBC branch at XXXX XXXX XXXX, XXXX XXXX NY XXXX and requested the same information from Mrs. XXXX XXXX XXXX. 

The information I have been requesting is a copy of bank statements from my HSBC credit card for the period from XX/XX/XXXX through XX/XX/XXXX XXXX hereinafter Requested Period ). HSBC has reissued my credit card several times since the Requested Period. For this reason, bank statements for the Requested Period are not available on my online banking account. Also, I do not possess the number of the credit card which was valid at a time of the Requested Period. The reason of my request of is to prove my medical expenses in the approximate amount of {$2500.00}. 

HSBC has failed to provide me with the requested information. Enclosed are responses to my twenty-three requests and follow-up requests on the same issue via BankMail. Also, the following complaints about the same issue were registered via BankMail : # XXXX, # XXXX, and # XXXX. I am also enclosing HSBCs letter dates XX/XX/XXXX with copies of the bank statements for a period of time which is different from the Requested Period. These are the only records I have since all telephone and online chat agents were unable to provide me any records of my customer request. 

I would appreciate if HSBC could either provide me copies of my credit card statements for the Requested Period or pay {$2500.00} in cash to my XXXXSBC checking account as a compensation for the loss Im incurring due to HSBCs failure to provide me this data. 

If you have any questions, please email me to XXXX or call me to XXXX XXXX XXXX XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

Whenever I have to answer the random questions used for ID verification the questions have answers that belong to either my XXXX or my XXXX. 
At one point there were four people in at y address with the name XXXX XXXX. 
I can not pass this rest because the information in the questions belong to at least two other people. 
I have to go into a local office to prove who I am. 
Not a single organization will make an attempt to correct that data. 
I have been fighting this problem for over ten years and have reached the point of filing a law suit against the organization asking me the questions
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

General issue : Am addressing a practice of some merchants/companies not offering consumers an auto payment plan for large purchases. This situation guarantees that bank/credit card companies will earn MUCH greater profits by assessing late fees from busy working consumers. The interest free teaser is neutralized by the assessed late fee with no auto payment option. My husband and I always set up auto payments on large purchases to avoid this situation ; we also have excellent credit scores. Buyer beware ; never assume auto payment option will be available when financing large purchases. The company we will avoid doing business with is Wayfair and their financing contractor,  Comenity.com   unless they offer auto payment plan.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (VA)

I am a retired XXXX XXXX and I recently lost my husband to XXXX. As a result, I contacted our mortgage holder, US Bank to retitle and refinance my home. 

The outstanding loan balance is {$320000.00} and the new mortgage payment is expected to be approximately {$1900.00} a month for a 20-year mortgage. I am exempt from property taxes because my husband XXXX  from a XXXX XXXX  XXXX. 

I have regular monthly pension and veterans administration survivor benefits totaling approximately {$4300.00} a month, in addition to part-time income as a result of occasional work with the school system. 

I also have savings of approximately 6.6 times the mortgage balance. 

I completed the mortgage application on XX/XX/XXXX, and proceeded to work with XXXX XXXX and XXXX XXXX to pursue the application. 

US Bank ultimately rejected my application and kept my {$390.00} application fee. Additionally, all title work on the home was lost. 

During the process, I was asked for the same information over and over again. The process was opaque, and no one seemed to know whether my application would be approved or not. I was 'pre-approved ' and then 'almost final approved ' and then told my application was going to be cancelled. 

I found this to be extremely stressful. The first US Bank employee I contacted was rude, bordering on mean, and she either intentionally or accidentally disconnected our call. XXXX and XXXX were both polite, but when I expressed my frustration to them via email ( attached ), they were completely unresponsive and never even acknowledged my email, or my concerns. I often found myself nearing tears because of the experience. 

I was amazed by how poorly I was treated, and I can't imagine US Bank submitting other widows, like me, to the same abuse.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing bought my mortgage from Ditech when they filed for bankruptcy. My monthly bill of {$1500.00} has been paid on time to both Ditech and Shellpoint since they took over. I am being charged for insurance which I have as part of my condo fees. They have been sent documentation and when I called and spoke with the insurance dept. they acknowledged it was received. They are still charging me and deduct insurance cost from my payments and charging me late fees because they say my payment is short. All the late fees and insurance cost amount to thousands of dollars and now they refuse my payments.
Consumer complaint received 2020-12-02
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: CITIBANK, N.A. (MA)

I am really bothered how this account appeared in my report. The fact that they did not provide any document to support the validity and truthfulness of this account is very questionable to me. As I see the report there are a lot of inaccuracies in dates and in payment history. I am asking for you help to get rid of this account.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I opened a credit card account, my father later was diagnosed with stage XXXX XXXX. We not wealthy it happened so fast. I used the card I live on a fixed income. I stated this to XX/XX/XXXX XXXX. Midland Credit Management brought the debt. I was unaware my debt was sold. I opened my front door a man standing there holding these summons papers.
Consumer complaint received 2020-11-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

Hello, On XXXX of XXXX i Contacted Allied collection to ask for more information on a suppose debit collection that put on my credit, I spoke to there representative and i was requesting my original contract with my signature, Due that question the representative started to get aggressive and other words declining my request after few minutes of back and forth he finally agreed to send over the contract which he disclosed it would take 24 hours, Its been several of days and nothing. ive tried several times to work with this company but they seem to not send over my original contract that supposedly signed XXXX.