davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

This is update to previous submission. 

XXXX, a representative of Freedom Mortgage called to say this had been escalated to executive level. She also said I would be receiving a phone call by XXXX XX/XX/XXXXto resolve this. To date, no phone call. I have left voice messages, sent emails, and submitted secure online messages to see what happened. 

After all, the responsibility for.this situation is solely on Freedom Mortgage. If they had merely notified me of the change in payment, I could have adjusted the payment amount. After first time it was insufficient, they could have contacted me so I could correct it. Bit they never did either. 

That is why they need to correct the impact on my credit reports. 
v/r XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

Refinanced my home on XX/XX/XXXX. AmeriHome Mortgage bought the loan within a month of the refi. The closing document ( XXXX XXXX XXXX XXXX Form XXXX XX/XX/XXXX Modified ) stated that our first payment was due on XX/XX/XXXX. I paid them according to the closing documents. They maintain that I owe them for XXXX XXXX. This is not true and I called XXXX XXXX XXXX company to confirm this fact. They stated the Form XXXX is a legal binding document and since AmeriHome bought the loan they are legally responsible for adhering to its terms. In spite of me conveying this fact to them AmeriHome keeps sending me letters saying my loan is in default, I owe late fees, etc. even after I called at least 5 times talking to their customer service personnel, which they directed to do, and faxed them the closing document stating the first payment start date is XX/XX/XXXX. Their customer service personnel went as far as to acknowledge the fact that they received the document faxed and also already had the document in their files. Yet, they keep sending me these letters of default and to seek financial counseling and delinquent notices. After talking to their customer service reps I get letters of this type in the mail. It just doesn't make any sense. This frustrating, harassing and I want it to stop. My loan is current with them and I don't know what else they want. They seem to be very disorganized. Please help!
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC (TX)

Around XX/XX/2020 my loan file was transferred to XXXX XXXX at Benchmark Mortgage. Benchmark Mortgage is located at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. Mrs. XXXX already had most of my file because she received it before. Immediately Mrs. XXXX directed me to 2 assistants to help. She almost took herself out of the picture instantly. I thought that was strange. There wasnt any information that was requested from the assistants to me that caused a delay but IRS transcripts due to COVID-19. My loan officer refused to communicate with me. It was so bad that she didnt even tell me my first closing date set or discuss I was having a closing date. I was sent a text my the sales agent. Furthermore, when closing date arrive she didnt tell me or my realtor that it was pushed back. We were headed there and found out it was pushed back. I tried to reach out to Mrs. XXXX supervisor to report the discrimination that I felt was coming from the loan office and her incompetence in handling my loan. At this time I find out Mrs. XXXX took a vacation. She didnt say Im going on vacation you need to have this or this will happen etc. Im waiting on Mrs. XXXX to get back from vacation and realized its been a while. I checked on the home we were applying for and realized it was back on the market and my contract was cancelled on XX/XX/2020 and this was XX/XX/2020 when we were finding this news out. My realtor and I was not aware that this was happening or even a possibility. I contacted the XXXX XXXX to let him know that I felt discriminated against and the loan officer was incompetent the entire time she was handling my loan. Mrs. XXXX used a COVID-19 tragedy that affected my family as an excuse why she didnt want to bother me. However, this incident couldnt affect her actions at all because this incident occurred shortly before my contract was cancelled. Furthermore, that is unfair for her to make that call by assuming that. Why would I want to be homeless and going through personal family issues. She then said she called twice but didnt want to keep calling me. Again she didnt have the right to make a call like that and not take to me a out issues with my loans and give me the opportunity to correct or explain any issues. I pulled my phone records and have no VM or missed called from Mrs. XXXX. I experienced discrimination for who I am from Mrs. XXXX/Benchmark from the beginning and I know its because of who I am. Her incompetence in handling my loan caused me to lose the home. These actions are unfair and I just. I had a right to know everything about my loan and if it was any issues. I had the right to be given the opportunity to supply was was needed or give and explanation. I was suppose to be treated unfair for who I am and discarded of like trash.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (FL)

Collection Agency RECEIVABLE MGMT SVCS LLC Original Creditor Name XXXX XXXX XXXX I cancelled my car insurance with XXXX  because I had gotten insured by XXXX. My account was a XXXX balance and provided a screen shot of the balance to XXXX  when I cancelled the account, then they came back said the account had a balance which they could not justify How they reach that amount, so I still paid the balance. Paid {$100.00} dollars- It turns out that after they said it was removed from their collections department they still are reporting as XX/XX/2020 to XXXX  completely erroneous information on my credit file. This company needs to be stopped, so many complaints and abuse towards the consumer.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (LA)

This company Hunter Warfield Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the XXXX system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2020-08-29
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: Bridgecrest Acceptance Corporation (GA)

I have a loan with XXXX XXXX, XXXX XXXX, and BRIDGECREST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRIDGECREST with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-29
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: BMW Financial Services NA, LLC (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (LA)

I sent a police report to Citibank over unauthorized use. This is still showing up on my credit report after years, and they have sent it to collections. I sent them proof of all of the charges that were not mine before they ever sent it to collections.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (FL)

On XX/XX/2020 I paid my XXXX 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of Credit Control , LLC. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to Credit Control LLC, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Consumer complaint received 2020-08-29
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: CITIBANK, N.A. (AR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely matter.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NY)

I applied on XXXX  for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the XXXX  site or I can send pictures with both the statement about no affect to my XXXX XXXX and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (WI)

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I opened saving account on XXXX XX/XX/2022 and had an offer from banker telling me that if i deposit {$250000.00} and keep for 90 days i will get bonus {$2000.00} for this new account.NOw it end of november 7 month later and i still do not have this bonus in my account.My personal banker tried to escalate it as he is saying and i still do not have money.I asked for written response from escalaling department and i can not get anything .It seems that Chase bank lied to me and used my money without any benefits to me.This is information of the bank i opened my account and I am private client therte on top of it. 
Chase bank XXXX XXXX XXXX XXXX XXXX Illinois XXXX My personal banker is XXXX XXXX Branch manager is XXXX XXXX thank you
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (TX)

I have seen my credit score drop a lot due to XXXX XXXX XXXX I have no knowledge of this account being opened nor do I have a credit card that they claim that I should have. No one from this company has personally reach out to me via email or phone. I've been told to file a complaint/report and save it as a XXXX  to get this problem fixed within the company.
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (NV)

( XX/XX/20 ) My mother called The XXXX XXXX/XXXX to remove me as an authorized user as I have never used this credit line or activated any cards and this was negatively affecting my Credit Score. 

( XX/XX/20 ) The XXXX XXXX/XXXX  removed me as an authorized user and my XXXX XXXX shot up over 100 points. However, Experian and XXXX did not reflect the recent change. I was able to contact XXXX through their website and able to dispute this which they gladly removed it, and the score soon reflected that change. 

I am in the the process of refinancing our home as my husband has lost his job due to COVID-19 and we can barely make ends meet on a nurses salary. I need a good score to refinance so we can keep our home. On ( XX/XX/20 ) the loan company revealed my scores : XXXX XXXX, XXXX XXXX, and Experian XXXX. 

I tried to dispute it online through the Experian membership but it is not available to dispute nor could I get through to speak to a representative at any of their numbers. Please help me to get Experian to reflect my proper credit score.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (CA)

Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account Information : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number XXXX XXXX  ) : XXXX Reported Date ( XXXX ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC XXXX under Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with XXXX, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$40000.00} -This is not my account.
Consumer complaint received 2020-08-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - 2017 ) and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - 2017 ) and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.