davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

Creditor has constantly sold/reopened medical debt collection multiple times. Every month it is reopened. Creditor is calling multiple times a day from different numbers associated with different states. The calls begin at XXXX am and end around XXXX pm. They are relentless. I have never even received an original bill from whoever the original debt even came from!
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a HELOC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called XXXX on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through XXXX, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called XXXX 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered XXXX reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called XXXX today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them ), but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that XXXX will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but XXXX has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/23 a savings account with Bank of America was opened in my name and I closed it as soon as I got an email telling me my application was submitted and approved. I called Bank of America right away and the account was closed. Today ( XX/XX/23 ) two more savings accounts were opened with my information and those were closed as well.
Consumer complaint received 2022-07-12
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. (PA)

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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (GA)

ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have called Experian and XXXX  at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America allows you to set up an autopay function using their e-bill service. When you select what amount you want to pay, you have 4 options : Minimum Due, Amount Due, Account Balance, and Other Amount. 

Generally with other banks, you are given the option to pay Minimum, Statement, or Current Balance.

I believe Band of America intentionally uses vague options to confuse customers and collect finance charges. 

Amount Due is not equivalent to Statement Balance even though Bank of America indicates amount due autopays based on the amount outstanding from the bill. 

Account Balance is what you need to use to avoid finance charges. 

It feels like BoA intentionally made this process vague.
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (GA)

ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received an email form hunting bank, the email stated that I was prequalified so I applied but was denied, I would nor have applied if the email had not said that I was prequalified so this hit my XXXX XXXX. I feel the use of 'prequalified ' was misleading
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CORELOGIC INC (PA)

Corelogic XXXX XXXX XXXX XXXX XXXX, California, XXXX ( XXXX ) XXXX I am a customer of XXXX and Corelogic incorrectly labeled my account in tax default causing XXXX  to incorrectly add an escrow account to my mortgage and XXXX applied an escrow fee to my mortgage payment. 

I called seven times to try to resolve the issue and they would not discuss the issue they kept saying that they received a delinquency notice from the XXXX XXXX XXXX XXXX. When I asked about it they confirmed none of them actually saw anything from XXXX XXXX it was an internal document ( from Corelogic ). 

I contacted XXXX XXXX the XXXX XXXX XXXX  who confirmed that she did not send any notifications to XXXX and that Corelogic was a service company that monitors the tax status of the mortgage. XXXX confirmed that she received a check from Corelogic but rejected it because I had already paid the bill on time and there were no taxes due. I made numerous attempts to resolve this with XXXX but they would not listen and kept saying the property was delinquent when it was not. They kept saying they got delinquent notice from XXXX XXXX which they did not. 

I have attached copies of the tax bill and proof of payment showing the account was never delinquent or past due and never has been in the 32 years that I have lived here. The Tax bill is due XXXX XXXX but they offer a discount if it is paid early by XXXX, Corelogic labeled any account not paid by XXXX XXXX in default triggering the creation of Escrow accounts. I emailed the attached proof to XXXX on XX/XX/year> and I received a confirming letter XX/XX/year> that the Escrow was cancelled and they still drafted the incorrect amount from my bank.

I have attached the following : Tax Bill Proof of Payment email from Tax Collector Rejected Core Logic payment Letter from XXXX cancelling the Escrow account
Consumer complaint received 2021-02-11
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (OH)

THIS IS THE 3 TIME I HAVE HAD TO FILE OVER THIS ISSUE. NOT SURE WHAT THE PROBLEM IS WITH ME FILING A COMPLAINT. DONE MY OWN MOTION HERE ON THE CFPB.GOV. 
I am having an issue with someone using my information for unknown accounts and addresses. I am demanding are investigation on my credit file and I would like the following addresses and accounts deleted : 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, US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION/XXXX # XXXX I HAVE ALREADY SENT A COMPLIANT ABOUT SOME fraudulent addresses still appear on my credit file. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : 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 2022-01-20
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: Experian Information Solutions Inc. (UT)

Experian refuses to fix reporting on 2 auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! They have subsequently deleted the accounts from my wife 's credit report and are still refusing to delete the 2 accounts on my Experian credit report. Each time when I dispute they return a response with " Account validated and/or verified with creditor as accurate '' No Change.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing Inc ( SPS ) made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX, in violation of RESPA 1024.41 ( f ) ( 3 ) Temporary Special COVID-19 Loss Mitigation Procedural Safeguards. 

RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ) require that : The servicer sent the written notice required by 1024.39 ( b ) at least 10 days and no more than 45 days before the servicer makes the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process ; SPS allowed only eight ( 8 ) days between XX/XX/XXXX and XX/XX/XXXX letters cited below, not minimum ten ( 10 ) days as required by RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ). 

On XX/XX/XXXX SPS sent us an Early Intervention Notice letter as required by 1024.39 ( b ). ( See attachment # 1 ) On XX/XX/XXXX, XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series NC XXXX Asset Backed Pass-Through Certificates, Series NC XXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 2 ) On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 3 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property. 

On XX/XX/XXXX we sent a Notice of Error to SPS ( see attachment # 4 ) asking for full investigation and correction of the above error, as well as cancelling the XX/XX/XXXX foreclosure sale of our property.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I recently charged an item for {$21.00} When the statement arrived it was paid in a timely manner. inadvertently the payment made was {$.00} short at {$21.00}. there were no additional charges were made during the next billing cycle.The next statement received showed a late fee of {$21.00} plus {$1.00} of interest plus the {$.00} short payment from the previous month for a total of {$22.00}. Ultimately a credit was issued after much debate and my request for a waiver which was granted for {$15.00} My concern is that for a balance of {$.00}, the company could charge me what amounts to in excess of 100 %. is legal? 
The company in question was XXXX XXXX  XXXX in Florida XXXX #... XXXX Is this much fee and interest legal?
Consumer complaint received 2021-09-27
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: TD BANK US HOLDING COMPANY (MI)

I was a victim of identity theft, i had rightfully disputed this Target account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

TD BANK USA /TARGETCREDIT XXXX
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

This collector or creditor did not provide Hipaa release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I have not This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (NJ)

I have received the response however you will not remove the XXXX collections account or and XXXX XXXX  the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX XXXX XXXX a fraudulent transaction in the amount of {$1000.00} was posted to my account with Capital One checking and I called that day to dispute the transaction and shut off my debit card. On XXXX XXXX XXXX Capital One credited my account {$1000.00} while starting the investigation. On XX/XX/XXXX, without any warning or any communication from Capital One on the matter, capital one reversed the credit to my checking account causing my account to go into the negative. I immediately called to see why they reversed the credit only to be told that the investigation proved that I made the transaction. They have still not credited the {$1000.00} back to my account nor have they provided me with any details on their investigation or asked for any supporting information on my part to prove I didn't make the charge. I don't even know what XXXX XXXX ( the transaction name ) is but if it has anything to do with XXXX, I can prove that I have never spent a dime through that site.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (IL)

I received a Debit Card from Key Bank issued in my name from Illinois department of Employment Security. 

This was NOT requested and am NOT on unemployment. I tired contacting XXXX  several times and left messages. 

Want to report this as a SCAM, I did not activate the card. 

Thank You
Consumer complaint received 2023-01-13
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: Freedom Mortgage Company (NJ)

My name is XXXX XXXX. My Freedom Mortgage loan ID is XXXX. 

Since XX/XX/XXXX I have been having ongoing issues with my Freedom Mortgage account. After a few months of going back and forth, we finally came to the conclusion that an escrow analysis was not done since our loan modification and I was overpaying for my mortgage each month from XX/XX/XXXX to XX/XX/XXXX. 

After multiple agents told me not to pay the full amount of the mortgage due ( {$1500.00} ) and just to pay the previous amount ( {$1200.00} ), Freedom Mortgage reported me to the credit bureau, against the advice given. I was advised in XX/XX/XXXX by two agents that Freedom Mortgage would contact the bureau to correct this because of the discrepancy in my mortgage and the going back and forth to try to figure out the correct payment. 

On XX/XX/XXXX I spoke to two agents at Freedom Mortgage XXXX and XXXX who both advised that I send proof of this negatively impacting my credit score to the email address XXXX and they would fix it. I did this and never heard anything back. 

On XX/XX/XXXX I paid a lump sum of {$4300.00} even though I was advised AGAIN to wait until the escrow analysis is complete to ensure that I do not continue to overpay ; however, I did not do that to be sure that it does not also negatively impact my credit score. 

Here is an outline of the calls and agents I spoke with, if you can PLEASE pull the calls and listen to the multiple agents advising me to not pay the full payments due : XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX - Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} ( this is the month I was reported to the credit bureau after multiple agents told us to make this payment and DID NOT advise that what I was doing would negatively impact my credit, at this point I was unaware that what I was doing was not best practice and I should have never been advised to make partial payments ) XX/XX/XXXX - Rep XXXX Payment made {$1500.00} XX/XX/XXXX lump sum payment made of {$4300.00} I truly appreciate any and all help you can give me regarding the credit bureau and getting that removed from my credit report. My next step is to receive legal counsel and have a lawyer request the calls to review them if no one can help me after a year of my credit being torn down. At this point, my wife and I are trying to move as our family is expanding and due to my credit being significantly impacted, we are unable to do anything. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my balance off on XX/XX/XXXXof {$22.00}, which is what I owed. I also moved into my new address and updated my address on XXXX. They show a balance of {$4.00} for what? The representative in the XXXX didn't know what i was talking about and his manager couldn't come on the line. This happened three time without any help. 
This negative derogatory action has affected my credit score, they inputted my address incorrectly by their office in the XXXX due to a language barrier.