davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My wife & I refinanced our house for a 15 year mortgage through XXXXXXXX XXXX XXXXXXXX which was great. They said we could pay off out home in 12 years if we paid Bi-Monthly in which we took advantage of. Our new Mortgage Payment with Taxes & Insurance came out to {$1500.00} a month. Our bi-monthly payment was {$770.00} every 2 weeks. 

Citizens One Mortgage bought out our loan after two months. In the begging they tried saying I owed something like {$2000.00}. I said I pay on time every two weeks. If there is any money outstanding then XXXX has my mortgage money. Now again, Citizens One Bank is accusing me owing over {$3700.00}. I have been paying Citizens One every two weeks like clock work to pay off my home mortgage faster than 15 years. They also are trying to automatically raise my Monthly Mortgage Payment from {$1500.00} to {$1800.00} a month which isn't the new monthly payment that I refinanced for with XXXX. I have proof of physical documentation for my new refinanced monthly payments. 

I have never ever missed a mortgage payment in 30 years. Citizens One is collecting my mortgage payments and not applying it to my home loan. I have called into Citizens One and got a Customer Service Rep that I didn't get anywhere with one the telephone. I told the CSR that I show my bank payment history to Citizens One Mortgage with every single payment to them with no missed payments. I even told the CSR that you just received another payment from my bank the day before. I was on hold for a very long time waiting to speak to a Mortgage Supervisor. The Citizens CSR told me that he would have a Supervisor call me back that same very day. Until now, no Supervisor has called me back from Citizens One Mortgage. I want to make a federal complaint against Citizens One Mortgage taking my money and not applying it to my Home Loan Account. I want them to be held accountable for and late fees, missing principal payments to my home loan. I also want them to be held accountable for any credit reporting errors on their part. I have excellent Credit History built up and I don't need it destroyed by their horrible accounting records. I have never ever had any problems with a Mortgage Company like this in 30 years of owning a home mortgage. Please hold Citizens One Mortgage accountable for their very bad records. Most of all they keep taking my money every two weeks from my bank as I have a recorded history of payments to Citizens One Mortgage.
Consumer complaint received 2022-07-02
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. (TX)

I've called 4 credit bureaus including the three main ( Experian, XXXX, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated. 

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.
Consumer complaint received 2020-07-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paragon Mortgage Services, Inc. (CO)

I applied for a mortgage loan based on a pre-approval I received from Paragon Mortgage Services. We went under contract after looking at several houses. I paid the earnest money, paid for the inspection, paid for the appraisal, provided all requested documentation and signed a ton of documents. Then 9 days before our closing date I was told that I could not be approved for the loan. This decision was made based on my income ; the same income that was used to get my pre-approval.I was told that the underwriter denied my application because I am self-employed and they can not verify my income like they could if I were employed by someone else. I felt like I was dragged through the mud. My entire house was packed, we were getting ready to move, and the house I was occupying was set to be rented to someone else once we were completely moved out. We went from being excited about moving into our new house to possibly being homeless. I felt like these mortgage people should have known whether or not I would be approved for a mortgage loan when they gave me the pre-approval, before I went out looking for a house, before I paid for the home inspection, and before I paid for the appraisal. I had to contact 3 different people at Paragon Mortgage Services to get a straight answer as to what had changed from the time I got the pre-approval to 9 days before our closing date. I was told my application was denied due to changes in the guidelines for self-employed individuals. I was told my application was denied due to COVID-19. Then, I was finally told that the mortgage service-er I was working with had an underwriter look at my file prior to issuing the pre-approval letter to double check her work. Then once I was under contract and the process had been moved along a different underwriter was making the final decision said that the mortgage service-er and the first underwriter both made a mistake in the calculations of my income. How could 2 different people make the same mistake each looking at the file separately? And why was this mistake not noticed earlier in the loan process? I mean 9 days before closing date my entire family 's life was turned upside down. How is this ok? I feel like I was discriminated against because I am self-employed and they didn't want to take the time to go over all the documentation they had me supply for them. They told me I needed an audited P & L Statement ; which costs anywhere from $ XXXX {$6000.00}. So not only was I about to be homeless, but I was also not going to be reimbursed for the earnest money, the cost of the home inspection or the cost of the appraisal. How can someone make a mistake like that, a mistake that messes with a family 's stability, and not be held accountable. They should not be in the position they are in if they are making mistakes like that.
Consumer complaint received 2022-08-06
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. (FL)

I XXXX XXXX XXXX FILING A LAWSUIT AGAINST Equifax Information Services LLC! Equifax Information Services LLC is transferring XXXX XXXX nonpublic personal information without any of my lawful consent. Ive filled a FTC Complaint against Equifax Information Services LLC and will be writing the CFPB to investigate Equifax Information Services LLC for all deceptive business practices act and unlawful practices with prejudice! As dated XX/XX/2022.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Alpine Credit, Inc (CO)

Alpine Credit Company keeps putting different dates when Services were supposed to have been rendered so they don't fall off after 7 years they also have sent me hard copy that has no dates or amount that are listed on my credit report so figures and dates keep being changed so I don't even know who has been paid or who is owed I have not seen a doctor for my XXXX in over 5 years because of this error on their behalf they keep showing up on my credit reports.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one stated they need more time when I filed my initial complaint XXXX and now rather than address complaint they have gone ahead and charged another high interest charge, making my balance go up again and again lowering my credit score. I am not able to work due to my business being closed due to corona virus and I may not be able to go back until XX/XX/2021. I was advised about hardship payment plan and then it was rescinded and I filed complaint and Capital One said they need more time, now they are trying to profit even more and ruin my credit during a government shut down.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America card was lost then used by someone else to make several purchases. I disputed the charges and then Bank of America did an investigation. They found I was still responsible for the charges even though I did not make the charges. The charges were fraudulent. I was not the person who used the card. The refused my claim and said the charges were valid.
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service (NC)

Clark County Collections Services pulled my credit, and placed a fraudulent account on my current report. I have no account with Clark County Collection Service, as I proceed to call them and they would not remove it. I notified them by emailing and calling to and pursuant to FDCPA and FCRA. I was never notified with a five day dunning letter notice from Clark County collections, nor are they license in North Carolina to do collections. Due to the situation I was unable to qualify for a loan at the bank.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NH)

Vendor shipped my package to another consumer. When I inquired to vendor by email I was ignored for 2 weeks ( sent 3 messages ). I contacted my bank, Chime Bank, to process a chargeback. Vendor contacted me stating that they received the claim and that it was their error ( they shipped to another customer instead of me ) and they offered to ship or to refund. I asked for a refund. A few days later they told me to contact my bank. Chime has no record of any representative of said vendor contacting them for the claim and now refuses to respond to my emails. All of their responses are copy and paste. The total refund due back is {$53.00}. My bank closed the complaint even with proof from the vendor that the error was not my fault.
Consumer complaint received 2022-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2020-07-05
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (IA)

I was contacted by an American Express ( AMEX ) telemarketer in XX/XX/XXXX/XX/XX/2018 with a promotional offer for a credit card for my business 's. I was offered a large amount of reward points and a low interest option. 
I was offered to open up multiple accounts accompanied with more incentive options. I was encouraged to add employee cards to my AMEX account For this promotion there was no credit check. No spending limit. I was simply told that I had to pay off the balance I spent every month. 
The card was supposed to give me working capital that my business needed to survive. 
AMEX sold me on what was supposed to be a great opportunity. 
Everything was going as planned and then out of nowhere my account was put on hold. None of my credit cards would work. I called AMEX and they wouldn't give me a reason why. They just said in order to keep the account open I had to provide all my tax return records. I asked why and they said that is what was needed. I opened the account because I was not interested in getting my credit and records pulled. They baited and switched me. 
I never missed a payment. I paid the entire balance off every month as agreed. I did everything as agreed. 
So my Accounts and credit cards were cancelled. I lost all my rewards points. 
I was never given my original promised promotional offer of rewards points. 
I was left with a large balance at 20.24 %. 
AMEX conned me into signing up for their program. American Express deceived me. Then cancelled my accounts. Charged thousands of dollars in interest. I was put in a position where if I paid off the large balance, I would not have money to survive. Normally, I would pay off the balance and then I could use the AMEX card to spend with. 
I tried multiple times get the fixed but AMEX would not be doing anything until they got my tax records.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

Both Equifax and XXXX are not providing a credit report on XXXX XXXX  's response is : " We're sorry A condition exists that prevents XXXX from being able to accept your request at this time. 
To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXXt Request form. '' Equifax 's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an Equifax Free XXXX XXXX XXXX   over the Internet. 
Request by Mail To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX Request Service XXXX  XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help
Consumer complaint received 2023-04-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (AL)

On XX/XX/XXXX medical Data systems reported four different collections to XXXX I made contact with them on the XXXX of XX/XX/XXXX with a female named XXXX at extension XXXX. She stated she would be mailing out my statements. On XX/XX/XXXX I made contact with XXXX she stated nine letters were mailed out on XX/XX/XXXX. Monday XX/XX/XXXX made contact with XXXX she also stated that they had been mailed out and I should be receiving them. Today is XX/XX/XXXX I still have not received anything they will not resend it unless the mail is returned to them. Each representative that I spoke with has refused to mail me my mail or my bills that was sent to XXXX they were very rude they would not even email it to me or fax it. I have disputed with the collections twice they're still stating they are unpaid. I have all spoke with others that I didn't get their names and they made the same comment that I had to wait for it to come in I don't see where mail would take 4 weeks to receive and why can't they send another copy. The collections is from XX/XX/XXXX XXXX {$2600.00} with medical center XXXX  the second one is delinquent of XX/XX/XXXX {$1400.00} from medical center XXXX  the third is delinquent of XX/XX/XXXX of {$1000.00} medical center XXXX  the 4th is delinquent from XX/XX/XXXX {$97.00} medical center XXXX  and when I spoke with one of the representatives they said they had multiple from XXXX of {$200.00} that I have no clue about. This was all due to having covid and at that time I had lost my daddy and I had no job.