davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

We closed on a newly built home on XX/XX/XXXX. Our loan was immediately sold from our originally lender to Mr. Cooper Mortgage. We were paying $ XXXX with {$510.00} being allocated to our escrow account.They ran escrow analysis on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and again in XXXX XXXX  In XXXX XXXX XXXX Mr. Cooper failed to pay our property taxes. XXXX XXXX assessor confirmed the property value at XXXX with an assessed adjusted taxable value of XXXX in XXXX XXXX XXXX With the average property taxable value for our zip code being great than XXXX. In XXXX XXXX they came to the conclusion that my monthly payment should be lowered bringing my escrow from $ XXXX to $ XXXX. Paid my XXXX property taxes in XXXX XXXX XXXX  leaving our escrow at {$510.00} - less than the known amount of our homeowners ins cost ( which they would be paying in 3Mo ) not including any amount to go towards property taxes. Paid our homeowners ins for XXXX XXXX XXXX leaving our account at- {$150.00}. Never were we notified of the significant deficient in our escrow. Now XXXX XXXX XXXX they have notified us of the deficient. Our latest statement XXXX  shows- {$3700.00} in our escrow. Our escrow statement from XX/XX/XXXX shows a shortage in the amount of {$5400.00}. Then on XXXX another escrow analysis was ran showing the shortage at {$4900.00}. Ultimately, increasing our payments by either $ XXXX ( there shortage statement from XX/XX/XXXX ) or {$670.00} ( there shortage statement as of XX/XX/XXXX ) - not sure which is accurate.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

received from my servicer, Freedom Mortgage, new escrow account analysis around XX/XX/23. Freedom Mortgage gave option for me to pay " shortage '' - so i did - and Freedom Mortgage acknowledges receipt. Now Freedom Mortgage is telling me their system says my payment does not match what i see online and i owe more than my online account says!?! 
On phone with rep for over an hour debating discrepancy, asked for escalation. only option given was a " call back ''. i refused and demanded to speak to someone. was disconnected by rep additionally, over 2 weeks ago i renegotiated my homeowner 's insurance, followed directions on freedom mortgage website to submit EOI/dec page and requested new escrow analysis. ( which freedom mortgage acknowledges they have new XXXX  page ) and am told today that they were not aware i requested new escrow analysis and they would request a new analyisi how do they acknowledge receipt of new much lower HOI and assume i wouldn't want revised monthly payment???
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I reporter the identity fraud to the XXXX XXXX  on XX/XX/2016, that my Identification Card and my social security card was stolen. I reported this via the Submit a Report section of their website. I also reported my identy theft to the FTC website.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America after reviewing my credit report I have came across some serious and unlawful issues with your bank on false credit reporting! I found that your company has been re-aging old debt for quite sometimes and this is ILLEGAL ON YOUR BEHALF!! I asked you to review experience credit report and look at the XXXX. Has been forge and re-aged it is showing XX/XX/XXXX of XXXX. We both know that is not correct! So I will need for your office to explain in great length as to how the XXXX got change from the year XXXX to XX/XX/XXXX? This is Illegal credit reporting you can not change a XXXX is when the account first came delinquent! This is a very serious allegation Bank of America and Ive noticed XXXX XXXX XXXX had already removed your account from my credit reports but you seem to want to hold on to keeping it on XXXX I guess for retaliation and payback but you can not do this this is illegal again false credit reporting in Bank of America I urge you to review the uploaded documents from your own company when you stated when the account closed and transferred. There is no way XX/XX/XXXX is when the account first came delinquent this is negligent and willful on your behalf I urge you to remove this trade line and its entirety from the XXXX credit report due to false credit reporting is FCRA violations and explain to me why did you thought that that was OK to re-age this account each year and I thank you and look forward to your response! 

XXXX  XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank has done nothing to resolve my issue which Ive been trying to get them to fix since XXXX. I have been unable to order anything using my overstock credit card. I was then informed by XXXX of the credit bureaus thats Comenity bank has closed my card but when I log into my overstock credit card as well as call the number in there back it states my account is active and open. I then asked customer service to send me out a new card after learning that the card that I have no longer works but shows active in their system. Then was told due to a system glitch they cant replace my card and they will have IT look into the issue. Okay that was a XXXX ago Everytime I call I get the run around and it draining and annoying. Just fix my credit report my account is NOT closed its clearly open with a XXXX credit limit and I am still waiting on a card. Also everytime I tried adding any authorized users the system would automatically remove then and when I call customer service for them to add it does the same in their end and theyre telling me they dont know why. Well overstock how about you actually do some investigating and fix this issue before this leads for a major lawsuit. Due to this error of my account showing closed my credit report has dropped over XXXX points! I dont want excuses I just want this fixed
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 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 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

I called the company 7 times today and the first 5 I was immediately hung up up on. The 6th time I was told they could not access any information in my file. I asked for a manager and was told I was talking to a supervisor already and then hung up on again. The 7th and final call of the day I was told that my case was already being disputed but they could not tell me when the dispute started or even who started the dispute. I wanted an update on the dispute and they refused. I asked for something to substantiate that the debt was mine and they said they did not have it and I had to contact XXXX even though Sunrise Credit was on m report. I told them I have no business with XXXX and I want to speak with someone about removing the mark on my credit and they refused to let me speak to anyone. After I insisted on speaking to someone they hung up on me again.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I received a phone call from the official Citibank Customer Service phone number ( the same number on the back of my debit card ). The person on the line stated he was a Citibank employee named XXXX XXXX. He told me that Citi noticed fraudulent activity on my account happening in Florida ( where I used to live ). 

He proceeded to ask me questions that Citi would typically ask such as the last 4 digits of my social, my address, and later on in the call, the first 5 digits of my SSN. Although I never gave him my banking login information, he was able to get into my account with the little information he had. He mentioned that he had the names of the scammers that got into my account and asked if I wanted to press charges with the help of Citis legal department. By this point, while I was still confused by what was really going on, I was more worried about these imaginary scammers and wanted to resolve the issue. I told him yes I would like to proceed with charges and then he reconnected the phone call through a different phone number from a XXXX, Texas area code. 

The person I was on the phone with went through my bank statement transactions as if to search for more suspicious behavior he started reading out past XXXX payments that Ive authorized previously. He read off a few past XXXX payments that are monthly recurring transactions. Specifically ones that were sent to XXXX XXXX XXXX, a trusted contact in my phone. While he was going through my account I went to the Citi banking app on my phone and noticed nearly half my money was gone. I asked him what was going on but he gave me an answer that didn't really make sense. He then asked me to verify the contact of XXXX XXXX by sending a verification code to his phone number and told me to read it off to him. 

With whatever hacking technology this scammer has, he was able to use my friend 's name as the receiver of this money but changed where the money was actually being sent to. XXXX gave me a notification that the money was actually being redirected to a XXXX XXXX. I do not know this person and I am assuming this is a fake name. 

There were a total of 4 transactions. One of {$10.00}, {$4500.00}, {$2500.00}, and {$1900.00} equalling a total of {$8900.00} that he claimed I was getting my refund of from the money that disappeared. In order to send off that much money, HE created 2 new checking accounts under my profile so that I would keep sending money without a limit. 

Ive been received countless letters of denial for my claim and appeals from Citi. The scammer was able to go incognito by covering his own name and using the name of someone I trust in order to trick me into sending my money to get my refund. I want to also reiterate that this person impersonated a Citibank employee and called me from the Citi Customer Service number ( XXXX ).
Consumer complaint received 2023-02-01
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. (OK)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2020-03-31
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. (AR)

Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have reached out to XXXX, XXXX and Experian regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed XXXX, XXXX and Experian that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : XXXX XXXX XXXX XXXX ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. 

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX, XXXX and Experian need to comply with the law.
Consumer complaint received 2023-02-01
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-02-01
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)

I have reached out to XXXX, Equifax and XXXX regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed XXXX, Equifax and XXXX that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX, Equifax and XXXX need to comply with the law.
Consumer complaint received 2023-02-01
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (KS)

On Tuesday XX/XX/XXXX, I applied for a Chase XXXX XXXX Card. 

I was rejected for the card " for having too many applications in the last 24 months ''. For Chase this number is XXXX or more applications and is referred to as the XX/XX/XXXX rule. 

Application ID is : XXXX When I spoke with the reconsideration line today at approximately XXXX XXXX, I was told of this. 

I was told that XXXX of the cards they were considering opened, was a XXXX XXXX XXXX XXXX serviced by XXXX XXXX. 

As is well known, XXXX is in bankruptcy court currently and XXXX XXXX, has paused all cardholders ' attempts to use their card as XXXX can not currently pay accrued benefits to cardholders. 

So in effect, due to a bankruptcy, which I can not control, I am being treated as this is XXXX of the XXXX or more " opened accounts '', and thus a reason to disqualify me from this credit card. It was not because I was not credit worthy, not because I have poor XXXX XXXX but because a financial institution went bankrupt. I am XXXX of thousands who is effected by this. In such a situation where the card holders is UNABLE to use the card because the issuer went bankrupt, it is unfair to consider this as " an opened account ''. An opened account would assume that provided the cardholder continues to pay their bills on time, they would be able to use the card. I paid my bills on time and am no longer able to use the card, so this card should not be counted against the XXXX limit, and therefore, if that was the only reason my application was rejected, I should deserve redress. 

This is unfair to the consumer. 

When I spoke to several agents during a recorded call, they were very curt, insulting, and their tone of voice left much to be desired. I hope that these calls will be monitored and more respect will be paid to potential Chase customers. 

I already have XXXX credit lines at Chase XXXX XXXX XXXX card, and the Southwest XXXX XXXX card ), but based on this experience, I'm not sure I can recommend them to anyone else. Treating customers poorly and pushing us for bankruptcies that have nothing to do with us, is a poor way to conduct business. Now I have an additional hard inquiry on my credit report for the next years that will negatively affect me.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax is not aiding me in removing fraudulent items on my credit report. I have sent Equifax all necessary documentation for them to block and remove the information from my credit report and Equifax has been negligent. The fraudulent items on my credit report are Dept of Treasury and XXXX XXXX XXXX. My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.