davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a letter from 5/3 Mortgage/Bank stating that my escrow payment had a shortage of about {$390.00}. I thought this sounded a bit high, so I did some investigating. 
My taxes went up {$160.00} and my insurance went up {$85.00} giving us a total of {$250.00}. 
After about two hours on the phone getting transferred from on person to another ( none of which could answer my simple question as to why my escrow went up by more that my taxes and insurance ), I asked to see the math used to calculate this amount. 
Since has been a federal law for well over 200 years, I did not think that his would be a problem. 
For no apparent reason, they needed me to submit a request to them in writing??? 
I sent them my request by mail as instructed. 
I received a letter fron 5/3 bankdated XXXX XXXX, 2019 stating that an issue number had been assigned ( # XXXX ) and that I would get my requested information in 15-25 days. The letter was from XXXX XXXX, Office of the President. 
Nothing was ever sent to me by that time frame. I left messages on XXXX 's direct line on XXXX-19, XXXX-19 and XXXX-19 and the calls were never returned nor any letter ever sent. 
I filed a complaint with the XXXX  XXXX  XXXX  on XXXX XXXX, 2019 regarding this issue, and they have 5/3 Bank under investigation at this time. 
On XXXX-19 I spoke with XXXX at Consumer Finance.Gov and filled out a complaint form and mailed it in. Apparently it was lost somehow, which is why I am sending this letter again today. 
I received another letter dated XXXX XXXX, 2019 on on XXXX-19 ( doesn't that seem strange?? ) Obviously the letter was dated falsely to cover themselves. 
This letter was from XXXX XXXX, Office of the President again stating that I would get a response within 15-25 days. I called and left a message on here direct line requesting a response postmarked that day since it had already been 60 days at that time. 
Still no response. 
It is quite apparent that 5/3 thinks they can circumvent Federal Law, which makes this a Felony offense. Also back dating a letter which was mailed 8-10 days later than claimed ( another Felony? ), not sure on that one. 
Please investigate this as soon as possible. 
My loan account number ends in XXXX Best Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX # ( XXXX ) XXXX.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

I have two loans with XXXX that are reporting on my credit report. On XX/XX/2022, I received an email that my loans were being transferred to Jefferson Capital Systems. I have contacted Jefferson Capital Systems every 2 days since this date to attempt to pay in full, and they have told me that they have no record of my loan. Each time I call, they tell me to call back in 2 days and they should have it in their system. I have also contacted XXXX, the original creditor, to attempt to make payment and they say that they also have no record of this and I need to contact the new creditor, Jefferson Capital Systems. But when I call Jefferson Capital, they still tell me they have no record. I have been attempting to pay this for over a month now but neither creditor ( XXXX or Jefferson Capital ) has any record of my loan and have not given me a way to pay. I need to either have an option to make a payment on this loan or I need it removed from my credit report.
Consumer complaint received 2021-05-06
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. (NJ)

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. OnXX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX XXXX XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OCEANFIRST FINANCIAL CORP. (NJ)

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my OceanFirst Bank account to fraudsters.
Consumer complaint received 2021-11-12
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. (OK)

MEDICAL DATA SYSTEMS ISSUED A DELETION REQUEST FOR THE COLLECTIONS ACCOUNT ON MY EQUIFAX REPORT. DESPITE REPEATED REQUESTS AND ATTEMPTS, EQUIFAX WON'T DELETE THIS. I HAVE A COPY OF THE DELETION LETTER.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CA)

I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed. XXXX BALANCE { {$2400.00} } This is Fraudulent and not my debt.
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

Hello, The last payment i made on my student loan was in XX/XX/21 and i made it so the remaining Balance would be exactly {$65000.00}, an amount which remained {$65000.00} until XX/XX/21 when I logged in the Fedloan website to make a payment but I found that my balance had increased by {$.00} and now it is {$65000.00}. 

I crossed referenced with my records, the Federal Student Aid website and Credit Report that reports my balance as {$65000.00}. There is no interest being charged right now so i dont understand why this {$.00} appeared magically in my balance. 

I contacted Fedloan on XX/XX/21, The First person i spoke to said she had never seen this, so she transferred me to another person, which said the same, and then got transferred one last time. The Last person i spoke to said she had reached out to an specialist and said there hadn't been any changes done to my account, and that there was nothing to be done, and told me she would send me a statement of account through the mail, and told me to review and see if anything that didn't feel right to call back This is unacceptable, just raising your balance just because? The whole reason i called her was because i already found a discrepancy and all they did was to deflect. 

In summary... The value of {$65000.00} reflected in the Fedloan website is wrong, and right now i dont know if this a system error or a scam? How often do numbers just magically appear in loan balances without ones knowledge?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have attempted to have the fraudulent information on my credit report resolved for over a year now. I have provided documentation supporting the information is fraudulent and needs to be removed, however, the corrections have still not been fixed on my credit report with XXXX. These items are required to be corrected and/ or removed per Federal law. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased a house in XX/XX/XXXX with HUD loan from XXXX XXXX XXXX The maturation date of this loan is XX/XX/XXXX. 
Loan # XXXX The loan is now with CHASE bank. I have consulted with the branch in regards to documents pertaining to loan. They responded with a letter stating they did not hold records past XXXX years. 
In the past XXXX  years, I have made additional payments to the loan that have been classified as unapplied. These unapplied payments are added to the principal, then I am given a misapplication reversal which subtracts them form my principal. So basically I do not get credit for my additional payments. Ex. At the origination date of the loan, I was scheduled for XXXX payments of XXXX. Two payments were made every month the first year of the loan. This was not reflected in any change in principal amount nor change the second years payment amount. I also spend hours at the bank correcting the errors made to additional payments that were unapplied another instance I made a double payment to the mortgage and only one of the payments was applied. I believe my loan has been already paid in full and I would like the CFPB to help me count and review all the UNAPPLIED payments Ive made to close this loan as paid in full. 
XXXX  states that I may request this information regarding the entire length of my loan. I need the CFPB to help me obtain information pertaining to my loan 1. Annual tax and interest statement XXXX 2. A disclosure statement that includes amount of loan, the annual percentage rate ( APR ), finance charges ( including application fees, late charges, prepayment penalties ), a payment schedule and the total repayment amount over the lifetime of the loan. 
3. Any documents pertaining to prepaid funds.

4. Any other documents relevant and pertains to loan Thank you XXXX XXXX XXXX maiden name XXXX XXXX
Consumer complaint received 2023-01-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. States I Have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (AZ)

I would also like to bring to your attention the, for lack of better words corrected kindergartener 's homework of a assignment of mortgage ( see attached ). To say the least this legal document filed with the County of XXXX of Arizona is BEYOND questionable. 

I do not know a XXXX XXXX, the date of the loan is incorrect, the amount of the loan is incorrect, the state and county are incorrect. Yet my information appears in much smaller font below ... ... honestly, is this a joke? Did Statebridge Company LLC ever have the legal right to own/service my loan?
Consumer complaint received 2021-08-19
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: CITIBANK, N.A. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CBNA violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2023-01-24
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. (GA)

Transunion has still yet to remove XXXX XXXX from my credit file. Transunion did not investigate this account properly if so it would not still be on my credit file. At this point I feel as if Transunion is benefiting by keeping this account on my credit file. I am really upset and I will be filing a lawsuit. XXXX indicated on a reply back which included myself, transunion and consumer financial protection bureau that this account should not be reporting. I guess Transunion overlooked that document but at this point Transunion is liable and will pay for punitive damages.
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (VA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

Usually, a day after my due date payment on my loan is due, I receive an email from my lender, hereinafter Lending Club. The email states that my payment could not be processed and there's a past due balance on my account and when I check my bank account the payment clearly shows that has been successfully processed. Lending Club 's email/information is completely false. I've always had more than sufficient funds to cover the payment. I've contacted their customer service department on several occasions to dispute/fix this issue and after multiple transfers and excessive holding time I was told that they will be looking into this issue and can not provide an answer immediately only for this issue to continue to repeat every month when payment is due. 
Additionally, Lending Club is also reporting my account as being late/derogatory with the credit bureaus. I've disputed this fraudulent entry several times with the credit bureaus, but this is becoming like a revolving door and I'm getting tired to do this almost every month. 
I've sent Lending Club an email to cease and desist this fraudulent practice and received no response. This complaint is almost my last resort before I'm going to file a lawsuit against this company. Thank you.
Consumer complaint received 2024-11-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (NJ)

I am on XXXX XXXX and received payments through NJ. They only make payments through a pay card from Money Network. Since Monday XX/XX/XXXX, I have been trying to transfer the {$2300.00} balance from the card to by bank account. No matter what balance I enter, I receive an error that the card does not have the sufficient balance to allow the transfer. When I contacted Money Network, the first representative said there was nothing they could do and told me I would have to go to the bank for a cash advance or ATM withdrawal. The second representative said the system blocked my transaction for security reasons. The system is completely automated and would reset itself in 1 to 2 weeks. There is no service department or human being that resolve the issue manually. I can't pay my mortgage with a debit card and the banks I use don't offer cash advances any more. I'm on XXXX XXXX taking care of a family member so it is not feasible for me to visit an ATM everyday for {$600.00} a day. I don't want to wait two weeks to find out bank transfers still don't work.