davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

This has been going on since XX/XX/XXXX, when we received a statement that our escrow account would be short almost {$2500.00}. After doing some research we found that our hazard insurance premium jumped from {$700.00} a year to {$2500.00} a year. So we contacted the mortgage company to let them know that we would be cancelling the original insurance company with XXXX and selecting a new one ( all done on the same day actually ). They said fine the insurance company would send a credit to escrow account for the prorated portion back. They sent us the check directly we called loan company and they said to make two separate payments. One for our Monthly Mortgage and one for the escrow account ( {$1800.00} ). We sent that to them on XXXX/XXXX/XXXX for the {$1800.00} to go into escrow to cover the new insurance policy plus a {$400.00} " fluff '' they told us to include to keep our escrow from falling short. Since they received the escrow money back from us they have misapplied it so many times they now can not account for where of it is currently ( as of XXXX/XXXX/XXXX ). They paid our property taxes a month late this year and paid our hazard insurance a month late this year that is all they paid out of the {$1800.00}. They also miss applied our mortgage payment that month which reported to the credit bureau as late. We were told that it 's not their fault the escrow account is short and that they correct all the miss applied money, when we questioned the remaining balance that should be there she said she could n't account for it. She then told him that they did n't account for the new hazard insurance so they {$900.00} shortage is their fault but we have to pay yet again. HOWEVER on XXXX/XXXX/XXXX they sent us the statement for the escrow WITH the new insurance amount on it. She tried to tell us that we can split the now {$900.00} escrow shortfall over 36-48 months, we denied. Now our payment went up. Our statements make no sense. We have put {$4500.00} into escrow and can not account for where the money has gone. My PMI payment keeps changing and they keep applying additional principal payments on top of our regular payment. So many reverseals ad disbursements it 's so XXXX.
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My mortgagee was transferred to Nationstar/Mr. Cooper effective XX/XX/XXXX. When it was transferred I had a FHA loan. Nationstar/Mr. Cooper reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.
Consumer complaint received 2024-09-10
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. (IA)

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 U.S.C 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX Account name : Consumer XXXXXXXX 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2020-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (NC)

After setting up a new account with XXXX XXXX, I attempted to connect it for external transfers to my account with Ally Bank as well as two other banking institutions. This should be an easy, straightforward process and for the two other banks it was. However, Ally Bank has instead stolen from me and is holding the funds taken without authorization hostage because they are unwilling to see reason. Facts : 1 ) Ally Bank, with authorization, initiated trial deposits at my account with XXXX XXXX. However, Ally only credited the account ( leaving a negative balance and hence removing monies without authorization ) without debiting them back in. They recorded this as failed, despite the objective reality the funds are missing. 

2 ) Ally Bank has also indicated they are unable to link the XXXX XXXX   savings account, which indicates they did receive successful confirmation of the connection vis a vis they knew the checking ( info previously provided ) and savings ( info had not been provided ) were connected. 

Ally Bank is adamant that I obtain some form letter per XXXX XXXX   validating information I already gave them from online printouts : that I have the right account information and that transfers are possible. XXXX XXXX  said I would need to get this from an in branch banker, which during COVID-19 would be a risk to my and my XXXX  child 's safety. It is abhorrent and disgusting that Ally Bank wants me to endanger a baby because they can not get past sending form letters to realize that I've provided multiple times over the information they seek in electronic format, all just to try and get them to try trial deposits once more. Out of the dozen or so banks we work with, this has been BY FAR the worst and most disturbing experience in my lifetime.
Consumer complaint received 2022-06-03
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. (GA)

Hi I am submitting this XXXX XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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 XXXXXX/XX/year>
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

My ex husband XXXX XXXX has horrible credit, when I left him in XXXX he used my information to open up a business credit card using my information and his business. XXXX XXXX he got incarcerated and I started getting calls from debt collectors at capital one for this credit card. The limit I believe is {$3000.00}. Now this is on my credit as a collection. I reported the card as fraud with Capital One. The response was that since my social security number was correct in the application, then it is not a fraudulent account.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I made an investment into an IRA with Investors savings which is now Citizens bank and went to look into the funds and where they were, and they can not locate them. This started back in XXXX of this year and to this date nothing has been resolved. My funds seem to have disappeared into thin air. Nobody can locate the money that I invested. Back On XX/XX/XXXX I received a check with the amount of my deposit only to receive a message that i should not cash the check since it a stop payment was made on it. The investment was made in XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a XXXX  report on XX/XX/year> demanding a a correction to my credit report due to the non compliance from ( original creditor ) XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX for inaccurate credit reporting in violation of the FCRA LAWS Date opened : XX/XX/year> Balance {$1600.00} Account # XXXX According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. 
These shall be excluded on consumer reports. 
You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

They failed to do such and comply so I demand this fraudulent account be removed from my credit report.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220000.00}
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (GA)

I opened a free prepaid card from XXXX XXXX back in XXXX XXXX moved this card/account to Simple who then moved the accounts to BBVA which eventually was merged to PNC Bank XXXX 

PNC Bank provided no way to close my account ( which had a balance of about {$11.00} ) online. They require me to go to a branch which I could not do because of XXXX and health issues. After charging me new fees which I did not agree to the bank then advised me that I have to go into a branch office to pay a {$0.00} fee to close my account. 

I did not ask to be a PNC customer. I did not agree to their fees. They changed a feeless account that I agreed to terms to years previously into a fee based service. They acquired all my personal information including my social security number and opened this account in their bank with new fee-based terms. I did not agree to any of this and simply want my account closed. They refuse to close my account without paying them a fee to do so. This in my opinion is fraud and needs to end.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WA)

XX/XX/year> Navy Federal Credit Union XXXX : Misrepresentation and Re-Aging of Debt To whom it may concern, I am writing to formally dispute the recent actions taken by Navy Federal Credit Union regarding an asscociated account whose legitimacy is now in question. It has come to my attention that Navy Federal is engaging in improper practices with respect to the re-aging of debts, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant debt collection laws.

I received a payment receipt from Navy Federal in the amount of {$5.00}. This payment, which I did not make, appears to have been falsely posted to my account as an attempt to reage the debt and alter the delinquency status on my credit report. I have not made any payments on this account for over two years, and I find this unauthorized action concerning and misleading and am now questioning if the account is mine.

What appears to be taking place is that in an attempt to collect money, Navy federal is re-aging the debt in this manner, Navy Federal is attempting to reset the clock on the statute of limitations for debt collection and inaccurately report the status of an associated account to credit reporting agencies. This is a deceptive practice that not only violates my rights under the FCRA, but also unfairly impacts my creditworthiness. 

I am requesting that you immediately delete the account and its history. Additionally, I demand that you provide a full explanation of how and why this {$5.00} payment was posted to an account associated with my name, as I have no record of authorizing or making such a payment nor have I even deposited money into my checking account for this to have occurred. 

If this matter is not resolved promptly, I will not hesitate to file a complaint to in addition file a complaint with the Federal Trade Commission ( FTC ), and lastly pursue further legal remedies in the state of Washington. I will then seek full financial remedy and deletion of the accounts for falsely reporting of inaccurate information. 

Please acknowledge receipt of this letter in writing and confirm that the necessary corrective actions have been taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

I would like to lodge a complaint about Fay Servicing ( https : //fayservicing.com/ ), which was the mortgage servicing provider on my home mortgage. Fay sold my mortgage to XXXX XXXX and as of XX/XX/XXXX, XXXX took over my mortgage. I was current on my mortgage loan at the time and had no outstanding payments to make as of XX/XX/XXXX. However, on XX/XX/XXXX, after XXXX owned my mortgage, Fay withdrew a {$6000.00} mortgage payment from my XXXX checking account for the month of XX/XX/XXXX. Fay did not provide this payment amount to XXXX XXXX  because XXXX contacted me to say my payment for XX/XX/XXXX was overdue. So I then had to pay XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX, meaning I made two mortgage payments for XX/XX/XXXX to two different companies. I immediately contacted Fay Servicing to ask them to return the XXXX XXXX they unlawfully withdrew from my XXXX account on XX/XX/XXXX, after they had already sold my mortgage, but Fay has not responded to me ( it has been over a week since I emailed them ). Fay has has not returned my money, and they have not sent the money to XXXX XXXX This is totally unacceptable and I would greatly appreciate help from CFPB. Fay Servicing basically stole XXXX XXXX from me, and I can not afford to make two mortgage payments in one month. Thank you very much.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. 

Please indicate if your consumer protection department help. 
Thank you in advance for any assistance.
Consumer complaint received 2024-10-04
Product: Credit reporting 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX BANK XXXX XXXX XXXX Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2022-07-21
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. (GA)

I am angered by the Credit Bureaus indifference with regards to my disputes. I have been sending multiple letters addressed to the Credit Bureaus and the last letter I sent to the Credit Bureaus was on XX/XX/XXXX with complete attachments of my Personal information. But despite all my efforts to correct my Credit File, the Credit Bureaus have been ignoring the letters I sent as well as have been neglecting their responsibility to comply with the FCRA section 605b and continued reporting the fraudulent accounts on my Credit File. I am now submitting this complaint to request another investigation and have the items removed completely from my Credit File. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX BANK XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}