davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

I open account on XX/XX/XXXX, until today XX/XX/XXXX I am paying the full amount of balance in each statement before closing day. But just a few months ago ( 4 ) this card start charge interest anyway if I paid the balance. I call several time in order to review what is wrong and got a different answer. The point is as I knowledge when you pay in full the statement balance is not possible to charge interest for amount that are coming in the next period. ( You can avoid paying interest on purchases by paying your balance in full ( or if you have a Plan balance, by paying your Adjusted Balance on your billing statement ) by the due date each month - AMEX PAYMENT PAGE ).
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

On XXXX the XXXX 2023. I received an alert on my phone in reference to a drastic decrease on my credit file. I reviewed my credit file and noticed that I had 2 late payments from XXXX XXXX XXXX. I reached out to Experian who I subscribe my Credit Monitoring through a paid membership, to alert them that I did not have a XXXX Account with a credit limit of {$2000.00} with a high balance of XXXX. I was informed to place an identity theft claim and submit it to the bureaus for removal and reach out to the Creditor. I went to the local XXXX XXXX XXXX, and they confirmed that this account does even exists. They ran my Social and I personally bank with this institution. I filed a dispute, with the Credit bureaus and it came back affirmed that this was my account. I was very confused that the account stated that this account was opened in XX/XX/2023, and it did not appear on my Credit report until XX/XX/2023. The high balance continues to change monthly. If you review my Credit report prior to XX/XX/2023, this account never appears. I have several arguments regarding this issue. This has hindered me from going forward with the purchase of my home and I would like for this account to be removed from my Credit Report. I have found several violations in reference to this account on my Credit Report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXXXXXX, XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the inquires I seen when I looked over my credit report. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XX/XX/XXXX I was informed by XXXX XXXXXXXX XXXX that my Escrow account needed {$1700.00} to bring it up to date. On XX/XX/XXXX XXXX XXXXXXXX XXXX withdrew {$3700.00} from my XXXX XXXX XXXXXXXX account, broken down as follows, {$1700.00} to bring my Escrow account up to date and {$1900.00} towards my mortgage. 
Please see XXXX XXXX XXXX Statement attached. 
On XX/XX/XXXX I received a letter from PHH Mortgage Service they were the new Servicer of my mortgage and that my Escrow account was negative {$230.00}. 
On XX/XX/XXXX I received another letter from PHH Mortgage that my Escrow account was short {$1600.00} short. This meant I would have paid {$1700.00} on XX/XX/XXXX to XXXX XXXX XXXX  and an additional {$1600.00} to PHH Mortgage making a grand total of {$3400.00} meaning I would be paying this Escrow shortage twice. 
I have exhausted all efforts for PHH Mortgage to correct this discrepancy but they have refused to do so. In fact they have increased my Mortgage by over {$250.00} At this the only recourse I have left is to ask for an investigation by the relevant authorities.
Consumer complaint received 2024-12-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

Sent my XX/XX/XXXX mortgage payment by mail on XX/XX/XXXX, the mortgage servicer cashed the check but never credited my account and charged me a duplicate payment to avoid defaulting on the mortgage. I sent proof of payment showing that they cashed the check and they sent me a reply saying there's no error on their part and they never received the payment. I need help because emails are sent to a " research team '' and phone calls are answered by customer service. I can never speak to a member of this research team. I spoke to customer service who said to send in a copy of the back of the check with the company 's endorsement, which I did and they still are refusing to credit my account for the payment they cashed. I am unable to reach a resolution with the company on my own and need assistance. Additionally this is now on my credit report, including derogatory remarks on my credit that I want fixed as I have not been late or missed any payments.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX I was denied a loan from XXXX due to Transunion credit report. Transunion had my XXXX XXXX as XXXX. My XXXX XXXX has rarely ever been under XXXX. After 4 hours on the phone and multiple calls to Transunion I was able to determine they have 3 different accounts under my social security number and this is why I was denied. I tried to have them fix the error but they refused and said someone would contact me. In the meantime I am unable to get a loan for solar panels and am losing money due to their error. XXXX and XXXX both have my correct information and credit scores over XXXX. Transunion consistently mixes my accounts and should be held accountable.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information. 

No SSA-89 form for furnished information ( s ).
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (TN)

GB Collects called my phone about a Water company debt in colection. I knew it was wrong and called back to request information about the original invoice, service address, etc. She rattled off some address and phone number that were never associated with me. I said I had never been to Michigan, she simply said thank you and hung up. 

I believe this was just a ploy to trick nave people into paying bad debts.
Consumer complaint received 2023-05-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

National Credit Adjust has recently struck my credit with a a debt in the amount of {$1000.00} and has marked it as 30 days late. This is absolutely false and is not my debt. It's the only blemish on my record as I keep up with all bills on my credit weekly. Second off they are a company that buys debt from those that default to which I ask where on my credit is this debt to begin with that they bought? It does not exist. I just randomly received a 30 days late collections notice out of the blue with no account prior which was connected with said debt. This is % 100 not my debt which claims was opened on XX/XX/XXXX which was the week of XXXX which I was in Alabama visiting my parents and had absolutely no need to get any sort of loan let alone from a payday ultra expensive borderline illegal percentage rate type of loan. But as for the hardcore reasoning that should have this removed regardless if it was or if it wasn't I've copy pasted the CFPBs rules on credit reporting and it reads as follows ; When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

- Absolutely non of those REQUIREMENTS were met as again this just popped up on my credit report XXXX day when I never had an account to pay into or not pay into in the first place. As per your plain English rules lay out clearly and with National Credit Adjust fully aware of this being the case I ask that this be removed from my credit report immediately and ask that the National Credit Adjust organization never put anything on my credit without me knowing prior from today moving forward otherwise I will be seeking monitary compensation to include all lawyers fees and expenses.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

XXXX XXXX XXXX XXXX have refused to send me my overage escrow refund in the amount of XXXX. 
XXXX XXXX XXXX XXXX even sent me an email with false information where they alleged the refund was sent in XX/XX/XXXX with the escrow analysis letter. I received the letter but not the refund check. 

I have contacted XXXX XXXX XXXX over the phone just to be told it can take 7-10 business days for the check to arrived. They said it was sent XXXX XXXX which contradicts the original email I received stating it was sent on the escrow analysis in XX/XX/XXXX. 

I also have sent multiple emails by secure messages and XXXX XXXX XXXX have ignored all of them since XXXX XXXX. 

I am requesting from CPFB to step in and have XXXX XXXX  XXXX pay me my refund escrow since I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and not required to pay property taxes in the state of FL. 

Please have XXXX XXXX XXXX XXXX overnight this check without any further excuses. 

XXXX XXXX XXXX XXXX have the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan number is XXXX
Consumer complaint received 2022-06-17
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)

I have previously raised concerns regarding XXXX and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX  which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX Experian. However, XXXX has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my XXXX Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with XXXX, Experian, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with XXXX it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where Experian and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Consumer complaint received 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

On XX/XX/2023, I was notified that my home mortgage was sold by XXXX XXXX XXXX to a new company, NewRez. Both XXXX and NewRez sent me emails and mail that said I wouldn't have to do anything, my payments ( which I had authorized to be deducted bi-monthly ) would continue to be automatically processed on the XXXX and XXXX of the month. NewRez said " We are looking forward to being your new mortgage servicer. As a reminder, your loan will officially transfer to us on XX/XX/XXXX, and the auto draft payment arrangements you made with XXXX will transfer to us automatically. Good news, theres no action you need to take. '' XX/XX/XXXX was the last payment that was automatically made to XXXX. NewRez began automatically deducting the same amount bimonthly beginning on XX/XX/XXXX. They then deducted the same amount on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

However, I got an email on XX/XX/XXXX from NewRez saying they had not received my payment for XXXX. I called and told them I had authorized XXXX, that NewRez had represented that that authorization carried over to them, and they had in fact charged me on XX/XX/XXXX and XX/XX/XXXX already. For some reason, they waited until XX/XX/XXXX to automatically charge the second half of the XXXX payment, but that was not my fault as I had no control over their automatic debit process. 

They admitted they made a mistake and I expressed concern that it would have a negative impact on my credit score. They claimed it would not because I was within a 60 day window of the transfer of my loan. I said, OK, but also it should not reflect on my credit because it was their error and I was in fact all paid up. They said they were having problems with their bimonthly payment processing, so I asked them to switch me over to a standard once a month payment plan. I expressed concern again that ( a ) they were not handling the automatic deduction properly and then accusing me of paying late and ( b ) they did not seem to be applying my payments to my account. They promised they had figured it out and I would not have any more issues. 

Despite that, and despite me changing over to monthly payments because I didn't trust their ability to handle bimonthly payments appropriately, they charged me another bimonthly amount on XX/XX/XXXX ( after I had switched over ) AND they also charged me a full month payment on XX/XX/XXXX. So by XX/XX/XXXX, they had already charged me XXXX the amount I owed for XXXX. 

Reviewing my statement, I saw that they had charged me {$5900.00} since the loan switched over in early XXXX, while I had only owed {$3900.00}, so I was overpaid by {$1900.00}, but perversely their records showed I was in arrears and my principal had not been reduced because they had not applied the payments to my account. 

Also on the statement they sent me, I saw that I was charged for a " skip trace '' to XXXX, which suggests they did actually ding my credit rating.
Consumer complaint received 2022-01-25
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: AMERICAN EXPRESS COMPANY (WI)

I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : American Express, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Consumer complaint received 2022-08-01
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :
Consumer complaint received 2023-02-24
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. (VA)

On XX/XX/2023 I requested a copy of my credit report from Trans Union. While going over my Trans Union credit report I noticed multiple inaccuracies throughout the report. I compared the information that I received from my personal records, my creditors and other credit reporting agency and saw that Trans Unions information that they were reporting about my credit worthiness did not match the informed that I had on file nor did it match the information from my creditors or other credit reporting agencies. I demand that Trans Union do a full review of my entire credit report and verify all the information they have on file and correct the information that they can verify as accurate and delete all information they can not verify as accurate.
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

A collection account from Creditors Bureau Associates was placed on my Credit on XX/XX/2021. I immediately filed a dispute with XXXX only to find out that Creditor Bureau Associates was collecting a paid in full debt from XXXX XXXX XXXX XXXX. 

Subsequently, during the dispute process, a representative from Creditors Bureau Associates by the name of XXXX XXXX contacted me on XX/XX/XXXX. I explained to XXXX XXXX that this account and any other balance due to XXXX XXXX XXXX XXXX was paid in full via a settlement in XXXX of 2021. XXXX XXXX asked for proof which I forwarded to her an email from XXXX XXXX, XXXX Supervisor, at XXXX XXXX XXXX XXXX. 

I had not heard back from the agency but on XX/XX/XXXX, I received notification that my dispute with XXXX was complete and the account was verified. Not sure what that means but I had already sent the proof to the collection agency that it was false and should have never been forwarded to them. 

The agency then proceeds to add the same invalid collection account to my XXXX credit report as well. 

I attempted to call on Tuesday, XX/XX/XXXX after receiving further documentation from the collection company showing proof of the two payments I made in XXXX of 2021. One payment on XX/XX/XXXX in the amount of {$300.00} and another payment on XX/XX/XXXX in the amount of {$100.00}. 

The agent I spoke to transferred me to a supervisor where I ended up having to leave a message with no callback. 

I will be filing a complaint with the credit bureaus as well for allowing inaccurate information to be placed on my credit file.