davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I have been a RBFCU customer for years now and their fee charging practices need to be looked at closely. I believe their rules to charge fees are unfair to the customer, especially when compared to other Big Financial institutions. I have given this credit union a lot of my business since the past few years and being profitable to them. I have never incurred any fees. 
Here is what happened We did 2 transactions at the same time one debit transaction and one credit transaction from the same account. We paid our XXXX Credit Card Bill from Checking XXXX on XXXX and the same time we moved money from RBFCU account XXXX to cover the transfer from the checking account XXXX. Now RBFCU pulled the credit card payment first and then credited the transfer when both were done the same time ( between 3 mins of each other ). That triggered 2 separate fees one on RBFCU XXXX account and another on XXXX. The first fee was the insufficient funds fee of {$24.00} that was triggered on XXXX of XXXX on XXXX because RBFCU did not credit the transfer before pulling the credit card payment it also rejected the payment on the XXXX card on the XXXX and re-applied the payment back on the XXXX card successfully on the XXXX. 
We reached out to RBFCU customer service explaining this scenario and their representative says they can not waive this fee as it was a valid fee and it was not an error. I believe its an error to blindside customers when we are moving funds between accounts to make payments across financial institutions and the unseen / unknown rules that are put in place by RBFCU that unnecessarily trigger fees when our intention was not to have insufficient funds in our account or deliberately incur any fees.
Consumer complaint received 2021-08-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I applied for and received a CALIF. Housing Finance Agency COVID mortgage forbearance, ( XX/XX/XXXX-XX/XX/XXXX 8 payments ). On XX/XX/XXXX, ( before I got the COVID forbearance ), their Dovenmuehle Mortgage servicer supervisor XXXX XXXX, ( contact info below ), had emailed me stating the forborne payments would be placed at the end of my loan and the loan recast at the same rate. 
On XX/XX/XXXX, I then sent them a letter by U.S. regular mail, certified mail, and email, ( to Dovenmuehle mortgage servicer ), asking to be removed from the COVID forbearance such that the last forborne payment would be XX/XX/XXXX. ( I paid XX/XX/XXXX and have paid XX/XX/XXXX ). Nothing happened. No response. An employee ( XXXX XXXX ), told me in an unrelated update letter dated XX/XX/XXXX, that my COVID forbearance is still in place. 
I sent emails to their counsel, ( available on request ), and today XX/XX/XXXX an employee, ( self identified as XXXX # XXXX ), telephoned me and said the exit from forbearance and my approval of terms would have to be in telephonic communications only but only they, not I, would be allowed to audio record. I protested and she stated I was refusing to move ahead. I said I was not and said I was merely requesting the documents be in writing to protect myself. She said she would ask her " underwriting team '' but could not " promise '' they would move ahead in writing. I said I would check with CFPB about this telephonic policy and asked her to have supervisor XXXX, ( who they posture as a real person ), call me back. 
A little while later she called back and said XXXX was " on vacation ''. 
My complaint is they wont respond to my request to culminate COVID forbearance, set up repayment like they agreed to, and do it in writing like all reasonable American businesses. 
Also they generated in last few days an automated email which appeared to, ( amidst their ignoring of my letter ), bait me into a secret, ( behind firewall of website portal ), " workout '' process, which I feel warrants investigation. 

XXXX XXXX XXXX XXXX Supervisor Loss mitigation Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX O : XXXX, ext. XXXX F : XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have reached out on multiple occasions to resolve a matter with Equifax, I am requesting them to send me physical verifiable proof that the collection belongs to me. Their investigation results always come up as " verified '' yet I have not received any physical proof. I have also requested them to send me information on the inquiries made on my credit report, and yet they failed to do so. According to the FRCA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ), Equifax has failed to comply with my request.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Are account resolutions is reporting to XXXX and XXXX about a {$620.00} debt that I owe. The account was open in XXXX XXXX I was in prison at XXXX XXXX correctional facility at that time. So this is fraud .I didnt not open this account nor was I in the hospital in prison to even have this account
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

My primary mortgage was refinanced with XXXX XXXX XXXX who sold it to Caliber home loans. The escrows were waived during the refinancing with XXXX XXXX XXXX. However, when the loan was sold to Caliber Home loans, they et up the servicing incorrectly and are now escrowing for both taxes and insurance, making less of the overage I pay go towards the principal balance and negatively affecting my ability to pay down the mortgage quicker. I have paid the real estate taxes personally and have the receipt showing my personal check was used. Insurance is not due until XX/XX/2022.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank You!
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Citi Cards Acct # ending in XXXX XXXX This is in response to Citibanks final letter of XX/XX/2021 regarding denying our cancelation of the charge to Connected Investors in the amount of {$480.00} due to allegedly having no proof of cancellation. Please note there is another charge in the amount of {$1400.00} # XXXX for total charges of {$1900.00}. I have made several efforts to appeal Citibanks denial of my claim. 

I, XXXX XXXX, canceled an online course on XX/XX/2021 by telephone and on the merchants website. The merchant is claiming that I did not cancel my purchase. It must be pointed out and understood that the Merchant is being dishonest because proof of cancellation is in the possession of the Merchant. The Merchant unethically and intentionally makes it virtually impossible for the customer to prove cancelation. The Merchant is almost impossible to get a hold of and written messages go through their website so I can not have a copy of an email showing cancelation. I called the Merchant by phone to cancel. The record of that call is in the possession of the Merchant, not me. All electronic communications went through the Merchants website so I do not have a copy of an email to present. The Merchant has that. 

It is absolutely untrue that I never did contact the merchant to cancel my order. The Merchant was contacted and the order was canceled on XX/XX/2021. This was done by phone and other communications were online. 

The Merchant should not profit from their false statement. The order was canceled on XX/XX/2021 and I never logged in or used the service. 

This was an online class that was canceled. There is no product or service that was unjustly received or used. In any event, I was ill with XXXX XXXX  and could not have used the service. The merchant has lost nothing. I have lost {$1900.00}. I am the only one facing a loss here. 


Thank you, XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was transferred to Shellpoint Servicing starting on XX/XX/2021. 
My Loan Number is XXXX First Problem : On XX/XX/XXXX they conducted a Escrow Analysis and there was a surplus of {$1400.00}. That amount was deducted from my escrow account on XX/XX/2021. The escrow analysis statement indicating the that there was a surplus is dated XX/XX/2021. I was told by two representatives that the check was mailed out same day. I don't believe that to be true as it is unlikely they would mail a check the same day as the escrow analysis. Today is XX/XX/2021 and as of yet I have not received the surplus check. Tomorrow is 29 days since the account was analyzed and the surplus amount was deducted from account. Included is the monthly statement.

Problem Number 2 : As of yet this account is not being reported to the credit bureaus. We are 70 days into this. I see this is an ongoing issue with Shellpoint.

Problem number 3 : Shellpoint seems to be slow at things that benefit the consumer aleast they are very fast at things that benefit them. Within 30 days of being transferred I received a letter stating they did not have the HOA required insurance for the common area and they would be force placing the insurance the HOA is required to have. This would mean I am buying insurance for my neighbors house as well as the common area. I have since submitted the required documentation and we are all squared away but how is this practice legal especially in California?
Consumer complaint received 2021-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-07-18
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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
Consumer complaint received 2021-08-10
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. (PA)

I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00}
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

OK I tried using my credit card to purchase gas for my XXXX XXXXXXXX XXXX XXXX engine. It was unsuccessful I went into the XXXX and in cash gave them XXXX or {$40.00} so that I could put gas into my car after my credit card had been rejected. I then left and everything was OK until the next day when I saw that two charges for {$500.00} each had been charged to my card. I am mediately called my bank informed them of what had taken place they said that it was a case of fraud replaced the XXXX dollars into my account as they should Im here, and I thought all was said and done. A few weeks later they removed the XXXX dollars that they had put back in saying they denied my claim. Somehow there is a significant difference between dispute and fraud, When it comes to Bank of America. This has been bounced back-and-forth between dispute and fraud each time I spoke with someone they admitted that it had to be fraud and they were going to correct it. They have denied my claim for five maybe six times and I have had it re-opened each time. A police report was requested which I then got and informed my bank of who the officer was where the precinct was phone number badge number. The officers that took the report said this had to be fraud I then informed my bank of the police report figuring that this would settle it. They denied me again so there wasnt enough evidence. I do not know what I can do further as I have reached out to my bank and they suggested finally that I get in touch with your agency acknowledging how badly they have messed up.All I want is my XXXX dollars back and no longer be made to feel like my bank thinks Im a liar and a thief.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-17
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. (OH)

During the period of XXXX I went to file my taxes. XXXX XXXX. XXXX Ohio. I sat down upon completion of my return the tax professional told me that I already had a return but he couldnt see it and that it was in another state that all he could tell me. So I went to the irs building downtown XXXX it had to be between XXXX and XXXX cant remember exact date but reports and paperwork is on file! I went to the irs building and filled out fraud paperwork and what not. Ive just now got a tax return from XXXX till XXXX I was instructed from the irs to file all 5 at the same time I did. I just received my return but my complaint is with all the credit bureaus they will not remove all the hard inquiries from my reports I did not apply for any credit and I do not have anything in my name somewhere someone compromised my social and information and used it so if you guys would help me that would be life changing gratitude!
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Last month on XX/XX/2021 I paid my card off the complete balance of {$130.00}. it wasn't due until XX/XX/2021. Yesterday I got a statement in the mail saying that I owe interest for this month of {$2.00}. that interest was charged to the account on XX/XX/2021. If I paid my balance in full they should not be charging me interest.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When I was XXXX years old, in XXXX I opened a Bank of America checking Account for the first time. At XXXX I didnt have a lot of money, but I did have enough to keep it open. 1 week later the account was restricted, I called Bank of America, the bank said they made a final decision to close the account and no longer do business with me. Fast forward 3 years later, I try to open a checking account again today on XX/XX/XXXX and receive the same explanation. I dont owe any money, I dont write checks, I didnt do anything wrong and here I am sitting in limbo trying to figure out what the XXXX is up with this bank. Are they XXXX or something like what the XXXX is going on here.
Consumer complaint received 2022-07-18
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. (OK)

15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by XXXX.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

We recieved a collection notice from XXXX XXXX. I have called several times asking who opened a Capital One credit card in our company name and have been hung up on 3 times without any solution. We are positive this is a fraudulent account and want help resolving this issue.