davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Idaho Housing And Finance Association (NM)

For some six months past the due date, XXXX Housing and Finance Association ( IHFA ) failed to pay the XX/XX/XXXX property taxes on a home purchased from me XX/XX/XXXX. This resulted in interest and penalties being imposed ; the permanent slander of my name and financial status ; the loss of a property tax deduction for the buyer ; and many hours of labor by myself and others to rectify the situation. 

Elaboration : IHFA 's client XXXX XXXX XXXX purchased a house from me on XX/XX/XXXX. XXXX realtors, a title company and an escrow agent, all duly licensed, facilitated the transaction. XXXX law requires use of an escrow agent and payment by the seller of prorated property taxes at closing. This was done. The attached XXXX XXXX XXXX shows I paid {$670.00} in prorated property taxes at closing. XXXX law also requires that a XX/XX/XXXX seller 's name remain the name of record for XX/XX/XXXX property tax purposes and that the buyer notify the County Treasurer and Assessor of a change in ownership. The XXXX and XXXX halves of XX/XX/XXXX property taxes were due XX/XX/XXXX and XX/XX/XXXX, respectively. IHFA failed to pay any tax by these dates. On XXXX XXXX, 2015 I received a notice that I ( the seller ) was delinquent in the payment of the property tax. Furthermore the County Treasurer lists on its public web site that I have been delinquent, slandering my name and financial status. See attached documents. My XX/XX/XXXX HUD-1 Settlement Statement shows that the lender was Primary Residential Mortgage of XXXX XXXX XXXX, XXXX. But after many hours of speaking with the parties involved, researching, and consulting an attorney, I found the loan had changed hands around XX/XX/XXXX-XX/XX/XXXX. At this time I understand there was a XXXX-link chain of lenders. The XXXX mortgage holder is currently XXXX Housing and Finance Association. I notified IHFA that it needed to pay the property tax. It did so XX/XX/XXXX. Various losses to me remain. XXXX will be to the permanent detriment of my reputation. 

I accuse IHFA of abusive practices and waste. I think few XXXX would have the time and ability to have identified who was responsible for the property taxes. Many XX/XX/XXXX home sellers, under duress, might have double paid property taxes ( once at closing ; again upon the County Treasurer 's notice of delinquency ). To abuse home sellers and buyers is an easy matter, perhaps especially in the case of mortgage holders servicing loans for those of more humble means. Waste includes squandering my and others ' time ; accumulation of interest and penalties on the delinquent property taxes ; and the buyer of this home ( XXXX XXXX XXXX ) not being able to take a tax deduction XX/XX/XXXX for the payment of property taxes. 

XXXX Housing and Finance Association contact XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXXXXXXXXX : XXXX
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

First of all I have no idea what this charge is for or when it originated. if it originated on the day that XXXX on XXXX XXXX of 2015 I have insurance through my job at XXXX XXXX XXXX and there should be no reason why there would be any charge on my account especially at a hospital. Also, it shows on my closed accounts that this same charge had been closed previously and reopened multiple times after I challenged XXXX it reopened in the other ( XXXX to XXXX ). Which seems to me to be sneaky, if you close it close it. I disputed it on XXXX saying I have no clue about this charge and they did nothing and showed me no documents on this charge. I really have no idea what its for. I have had insurence for the passed few years and have n't even seen a hospital. It is seriously affecting my credit unless it can be justified somehow I see no reason for it to be there. I do n't have any recollection of a almost {$900.00} visit. Please help. Show me documents, something.
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KS)

This Debt was Charged of in XX/XX/XXXX with XXXX. In XX/XX/XXXX it went to Asset Acceptance LLC. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, Asset Acceptance , LLC, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Subject : Formal Complaint Against Experian and XXXX for Inaccurate Reporting of Auto Loan Account Dear CFPB, I am filing a formal complaint against Experian and XXXX regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and XXXX XXXX compliance standards. 

Details of the Discrepancies : Inconsistent Date Opened Reporting : Experian : Reports the date opened as XX/XX/XXXX. 
XXXX : XXXX the date opened as XX/XX/XXXX. 

This discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under XXXX XXXX standards. 
Inaccurate Date Last Active Reporting : Experian : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. 
XXXX : Reports the XXXX as XX/XX/XXXX. 

The XXXX XXXX standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. 

Discrepancies in Payment History Reporting : Both Experian and XXXX report a payment history showing " 60 days late '' and " 30 days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. 

XXXX XXXX guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. 

Right to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, Experian and XXXX have not corrected or removed the inaccurate late payments. 

XXXX XXXX Compliance Violations : Inconsistent Reporting : XXXX XXXX guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. 

Failure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to XXXX XXXX procedural requirements, leading to a negative impact on my credit profile.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (NE)

I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed with the credit bureau regarding an insertion on my credit reports from XXXX XXXX who was collecting from XXXX different collection agencies at the same time while the amount of the debts were in dispute. I sent backup to the credit bureau and instead of investigating and not sending backup, they just left this insertion on my credit report. This was in dispute before it was placed on my credit report!
Consumer complaint received 2015-07-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (LA)

In XXXX my mother opened a certificate of deposit with bank one and was to stay in the bank until I was of age in XXXX. And in XXXX ( the same year chase bank bought out XXXX ) my account stopped drawing interest and now chase has no record of my account. I have the orginal certificate of deposit reciet and it 's statements and still they say there is no record in there system and that I need to look at the states unclaimed property and it 's not there so I need help located my money it is a large amount and I want to be able to cash it in it has been XXXX years since I was supposed to be able to cash it.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

I love how my escrow is run now before the first of the year for 20 years they ran my escrow on XXXX now banks want there money Sooner it 's hard to believe that it 's anything positive for customer to get a bill in XXXX for something due on XXXX XXXX over the holidays besides I asked them to rerun my escrow for XXXX and they still raised my house payment what a joke how did this happen. What changed to fleece us again from banks
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Experian ( Report No. XXXX ) re-inserted/reported a charge off XXXX Credit Card Account ( No. XXXX .... ) after previously agreeing to correction. It has been repeatedly mis-reported with false information. The previous correction only came after multiple disputes via their online system, paper letters, the XXXX and CFPB. Debt is illegally re-aged as evidenced by IRS 1099 also previously showed a balance due for the wrong time period ( s ). I learned of this only because my credit card company sent me a letter stating that I had a delinquency and as a result they were cutting off my credit. I have been damaged by the reckless mis-handling of this XXXX entry that is not only improper but violates Experian 's own internal policies. I attempted to file an online complaint on this change but their online system blocked it as having already been addressed despite allowing the creditor information to be added. I did navigate to their upload option but it was unclear whether the dispute was active or not.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (CA)

I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 
This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Experian has persevered with reporting the fraudulent bks on my credit report. In my last conversation with Experian on XX/XX/XXXX, they claimed they reached out to the court and the court asked them to keep the information on my credit report, then when I asked who at the court they spoke to, I was told that it was not a third party vendor. More perplexingly, after that the representative told me Experian will under no circumstances block the fraudulent information from my report and I have to go to court and get a judge to authorize the removal of these accounts. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police Report with XXXX Police Department, The Federal Trade Commission ID Theft Report and Affidavit. Experian 's response refusing to block fraudulent items.
Consumer complaint received 2015-09-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RevSolve, Inc. (AZ)

This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.
Consumer complaint received 2015-12-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (NH)

my caller id identifies them as " PHONE CALL '' but number is XXXX, person on line identifies themselves as National something and then say is the " XXXX '' I say I am not them and please stop calling as this is a unlisted number and I am not the person they are trying to contact and I have reported their number 5 times before to the ftc.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX ( Account # XXXX ) reported a debt that i had no idea they were reporting. They never contacted me for the said debt. After i disconnected my DSL and Phone services, i had a bill of XXXX. I asked then agent if i could pay off my bill on the phone while she disconnecting my services. The agent told me that i would have to wait for another bill, which is prorated since i had disconnected my services in the middle of the month. The agent gave me this Order number : XXXX after the account was closed. I waited from XXXX till XX/XX/XXXX, i had to call them up again, then they decided to send me the bill. As soon as the bill came in, i sent it back same day with a check of XXXX. This is a case of incompetence or hiring people with no training on how to carefully handle the public 's credit. Their stuff are misleading the public who unknowingly hurt their credit scores. Had the agent let me pay the XXXX dollars, i would n't mind even if they kept the balance. I called XXXX today after i was shocked with my credit scores, they 've advised me to dispute the credit score with the credit report agencies. They told me as far as they are concerned i 'm in good standing with them and they have no way to erase he error. Why they would destroy my credit for them to dismiss me this way is what i ca n't comprehend.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX and I live in XXXX Texas and my home address is XXXX XXXX XXXX XXXX Texas XXXX. My email Address is XXXXXXXXXXXX. Phone number : XXXX. I fill that I am been discriminated upon on the modification of my home under Chase. My loan went under water when i lose my job and I felt behind on my payment. I when to chase for a modification under the making home affordable plan XXXX XXXX XXXX, and was giving an interest variable modification from 2 % to 4 % through out the life of the loan. After fours years of payment, i got sick and again lost my job and felt behind on my mortgage. Again i was in constant communication with chase through the process. I want to chase for a modification. I was happy that chase gave me a modification this time increasing the interest rate to 3.25 %. i was giving five day to return the paper work of which i was unable to do so because I file a complained with chase on the increase in interest rate. Chase cooperate office kept on informing me that they are conducting an investigation and that i should hold with the document until their investigation is completed. 
While i was waiting for a decision the document expired. I called chase to see if i can resubmit my document for the the modification that has already been approve under the same term and conditions. Chase refuses and ask me to reapplied again and go through. I did but chase came out with a modification that no one will sign simple because they want and are doing every thing to force me to relinquish the ownership of my house through a foreclosure. (, Documents attached ). 
i have been in my house for 15 years and i have been paying my mortgage until i lose my job. As of today, my mortgage is behind in payment. I have gone through six months trier payment with chase and have shown them the i am able to make my payment an on time.. 

The new modification is for for 40 years after living in the house for 15 years. modification approved one month apart. mod XXXX was for 26 years with a 3.25 %. Mod XXXX : with the same situation approved XXXX mother apart for the same house was for 40 years at 4 %. what happen to the first modification, the situation all same. while the different in interest rate and the increase in the terms by 14 years. is it because I am XXXX and poor or because its because is trying to force me out of my house. I have been told that if I dont accept this them, i should not expect Chase to do another modification of my loan. This is discrimination.and bullying to the worse degree. I have contacted XXXX on this issue and was pushed over like dirt. I have been through counseling for mortgage assist who gave me the information to contact your office for help. 

Please I need help
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (IL)

I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I have a checking account with XXXX XXXX Bank. The account number XXXX. They have blocked my access to online banking and my debit card. I want to close the account and have a cashier 's check sent to my address on file. They insist I visit a branch but I suffer from XXXX  and have mobility issues. I opened the account online and never once visited a branch. I want my money sent to me.