davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TN)

I received a letter on XX/XX/2018 ( dated XX/XX/XXXX ) from Franklin American Mortgage Company subject : Annual Escrow Account Disclosure Statement. Upon review, I noticed their calculation of anticipated annual disbursements was incorrect. They used the same amount for city tax as they did for county tax. In fact, the city tax was approximately {$2400.00} less than the figure they used to calculate a revised escrow payment. The incorrect escrow analysis resulted in a new Mortgage payment that was higher than it should have been. 

On XX/XX/XXXX I called Franklin American and spoke to customer service agent XXXX. He told me they would reassess on or about XX/XX/XXXX. On XX/XX/XXXX I fax 'd county and city tax documents to Franklin American as directed by XXXX. After XX/XX/XXXX, I called back and spoke to XXXX who told me there was still no change and to call back after XX/XX/XXXX, but hold making a mortgage payment till just prior to XX/XX/XXXX in case the monthly amount was reassessed. On XX/XX/XXXX I called and spoke to XXXX who told me to check back after XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX who told me an update had taken place on XX/XX/XXXX. They had received documents from the city of XXXX and it was now back in research. On XX/XX/XXXX I called and spoke to XXXX who informed me that the city tax number I had provided was accurate ( no kidding as I fax 'd that document on XX/XX/XXXX ). I asked to speak to a supervisor but was told that was not possible. She stated that a new escrow analysis would be done in XX/XX/XXXX and I would get a revised statement. She also said that my new monthly amount would be {$2600.00} and I would get a refund for any overpayments. I asked how the analysis could be done in only XXXX business days and how could she already have a revised mortgage payment if the analysis had not yet been completed. Her answers were unresponsive. Finally, on XX/XX/XXXX I spoke to XXXX and reviewed the entire litany of calls. He told me the statement had still not been updated. She would put in 2 tickets ; one, to update the escrow analysis and produce a revised mortgage statement and two, to have a supervisor call me. 

A few days later a call came from XXXX asking to speak to me. As I was on travel, my wife took her phone number and extension and told her I would return her call. I called on 2 different occasions, and left messages with all my contact numbers. On the third unsuccessful attempt to reach XXXX, I left a message stating that it was unnecessary to call me back as I was exploring legal action and filing a complaint with CFPB. 

As of XX/XX/XXXX, I have still not received any action from Franklin American Mortgage Company.
Consumer complaint received 2024-10-05
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Credit Card : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2018-07-27
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. (CA)

On XX/XX/2018 I sent a correspondence to Equifax via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018 and signed for. The correspondence was in regards to an account on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent onXX/XX/XXXX to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX BANK where they admit that I was not responsible for the alleged account after an investigation ; this other account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have XXXX business days to remove the account/item after the police report is received. It has been more than XXXX business days since it was received on XX/XX/2018.
Consumer complaint received 2018-07-27
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: U.S. BANCORP (CA)

Regarding Fidelity Rewards Visa Signature Card A small purchase ( {$40.00} ) was denied by card issuer on XX/XX/2018. My wife called card issuer customer service and was asked to verify her identity by answering multiple questions ( as usual, address, SSN, credit limit, etc. ) She was told that an unidentified individual had contacted the card issuer by phone on XX/XX/2018 and had made a change to the account in so far as a new personal phone number had been entered, and therefore fraud was suspected. The representative informed my wife that the card would be " blocked '' until one of the card holders could appear in a Fidelity office in person to verify the account. On XX/XX/3018, I personally appeared in the Fidelity office in our local community and in a conference call between myself, the local fidelity rep, and a credit card service company " fraud '' representative I was asked to review recent purchases. I was informed that two purchases had been made with the card on or about XX/XX/2018, one in the amount of {$990.00} which was clearly a fraudulent purchase. ( even though we had previously been told the card was " blocked '' ). The credit card rep then when on to verify account information including the " new '' personal phone number, which of course I identified as fraudulent. She stated the account would be closed as of that date and new cards with a new account number would be sent to us within two days. 
On the third day after that conversation no new credit cards had been received. I once again called customer service and the rep used tracking information to confirm that the cards had been delivered the day before. When I asked the rep to confirm the delivery address, I learned that the cards had been sent to a fraudulent address entered on the account on XX/XX/2018 at the time that the fraudulent phone number had been entered! And I would presume that the fraud complaint form was mailed to that address as well, since I have not received it at the correct address, thus alerting the " fraudster '' to the entire sequence of events! Clearly the second representative, who interviewed me in the Fidelity office, failed to verify or document all the pertinent account information ( specifically the account address ). 
Another account number and new cards were offered but after discussing the events with both the credit card fraud department and two supervisors in that department, I decided I did not want to continue as a customer and asked that the account be closed. I expect to have all fraudulent charges charged off but I do not as yet have confirmation. 
So the issue is " resolved '' but I think the errors made by two credit card representatives have put much of my personal information at risk. And the company informed me it was MY responsibility to alert my local police department to the fraud.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened an account with Citizens Bank through the internet and used an electronic check to transfer {$3700.00} on XX/XX/XXXX. OnXX/XX/XXXX my other bank ( XXXX XXXX ) confirmed that they cashed the {$3700.00} check ( attached ). OnXX/XX/XXXX I got a letter from Citizens Bank saying the funds would not be available until XX/XX/. Since they had cashed the check and I needed {$1000.00} down payment for a car lease, I went into the bank to complain. They called fraud prevention who ( I later found out ) not only confirmed the hold and refused to budge, but extended the hold until XX/XX/. I called today and they again confirmed the XX/XX/ hold ( remember, this is a hold on cash that belongs to me, it is no longer a check ) and said the matter had been escalated to the office of the chairman of Citizens Bank. I want to get my money back and cancel my account with Citizens. I'm a consultant between contracts right now and if they don't give that money back my family will be destitute. Please help us! Thank you.
Consumer complaint received 2018-07-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL)

The representatives of XXXX XXXX XXXX have been calling me repeatedly about debt that belongs to my brother and my father. 

I am not associated with the debt nor do I have any student loan debt but this is the second attempt to talk to compliance at XXXX and now FAMS where they continue to call me. 

It's causing me an unreasonable amount of anxiety because I am getting repeated calls on my personal cell phone number while I am at work. 

The real issue is that they are breaking state and federal laws re practices they are allowed to use to collect debt. I also know they have tried to call other family trying to recover the debt that none of these family members are responsible for. 

I actually have XXXX dollars in student debt which makes this situation even worse. 

XXXX XXXX XXXX is at XXXX, and I spoke to XXXX XXXX at XXXX. 

I'm interested in how to stop this agregious practice period for me and all my family unassociated with this debt.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/XXXX Portfolio recovery Associates contacted me in regards to a XXXX XXXX account and a XXXX XXXX account. They informed me that I owed them money for these XXXX accounts and initially, without verifying, started making payments. Upon extensive review of my credit report, the XXXX XXXX account was in good standing and closed as of XXXX and they refused to validate both debts. I sent them debt validation letters XX/XX/XXXX and told them to no longer contact me until I receive written documentation from them.
Consumer complaint received 2018-02-20
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. (CA)

Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (CA)

Checkr, Inc. conducted two background checks of me for XXXX XXXX XXXX XXXX. I looked at the one from XXXX & it gives information going back as far as XXXX. The one for XXXX 's goes back as far as XXXX. I got this information today XX/XX/XXXX. Due to this information XXXX 's denied me a chance to work for them. My understanding is that the background check should not go pass 7 years!
Consumer complaint received 2018-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I recently refinanced my student loan and the funds were sent to my loan servicer to pay off the balance over a week ago. They still have not applied the pay off amount to my account which leaves my previous account open and collecting interest! This is a shady business practice in an attempt to collect more unnecessary interest charges when the balance should have been paid off days ago. I am filing this complaint to make sure they expedite the process of them paying off my loan and attempt to reclaim the unnecessary interest being charged for the last 4 days.
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

Account was initially locked then suspended. It has been over a month but my USD funds are locked in the Coinbase system without a method for withdraw. Multiple emails and phone calls have been made, but there has been no action for resolution or even talks of how the issue will be resolved. 
- All phone calls have ended with " a specialist with reach out to you '' all emails have been canned answers " Unfortunately are unable to elaborate on our internal decision process. '' - There has been no response made via XXXX - No response from mods via XXXX - All agents ignore the issue at hand that the company is locking my personal funds on their system without any means of withdraw.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

I was charged with a payment of {$740.00} by XXXX  XXXX  for a XXXX XXXX Promo Purchase on XX/XX/18. 

As soon as I noticed the charge I called in and spoke with a customer service representative for about 40 minutes. They said that the purchase was made at a XXXX XXXX store but never verified which store this was. That was odd to me but XXXX made it clear that they would work to fix the issue of fraud by the end of the long conversation. 

I called in to XXXX  in XXXX to receive an update on my case because I hadnt once received any literature about the current status of my complaint. They said that they were working on it and that the store had up to 90 days to respond. 

I sent an almost duplicate message via the online portal of XXXX XXXX  in XXXX and the response was the same. 

I checked my account today and I see that now the provisional credit was taken off and I have been officially charged. 

When I called into the bank today, they said that they verified that the charge was valid because the store sent them a copy of the receipt with my signature on it. I thought this was again interesting and I again asked what was the store, they said I would have to speak with people from the dispute team. I asked to be forwarded to them and they said that wasnt possible and that the dispute team doesnt talk to clients directly. This was infuriating to me that someone would tell me that a fraudulent charge was valid but still not be able to AT MINIMUM tell me where the purchase was made. 

An account supervisor was put on the phone after the rude service representative couldnt tell me why this was valid and essentially had the same attitude. But weirdly enough, now the account exec said that the purchase was made online. I asked if made online then what address was it received at. I also asked, how could I make an online purchase and then have a signature to compare it to. Neither questions were answered and she was rude and dismissive as well. 

Safe to say that XXXX XXXX has not given me, a customer of 3 years a decent amount of respective, courtesy or compassion when dealing with this manner that clearly doesnt make sense but is attempting to make me continue to pay for it financially and through overall credit availability. This is discussing and I dont think I want to deal with a company that values their customers in this manner.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc. (MO)

Receivable Solutions LLC  XXXX I receive calls nearly every day from this company, they never identify themselves in voicemails so I researched the number and it comes back to Receivable Solutions. They leave messages indicating I owe a debt and never indicate what it is for. I have an excellent credit score and owe nothing to this company. I have asked them to stop calling. As soon as I pick up the phone they refuse to identify themselves and ask for me to very my address and provide CC information. I'm not sure what kind of scam this is but I assure you I owe them nothing. After researching their name they appear to offer collections for XXXX Hospital, any medical bills that would be billed to me by XXXX were paid to XXXX. I am exhausted by their constant calls and tactics. I think they are trying to get duplicate payments for items already paid to the hospital!
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc. (OH)

This company keeps calling and harassing me. I advised them to send me a letter stating specifically what is owed and who the original creditor is. They state theyre not sending a letter. They also assume that Im XXXX XXXX, and try to verify the last four digits of my social security number and date of birth. I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

Hunter Warfield & original creditor XXXX XXXX continue to falsely add a debt to my credit report. I have told them several times this is not my debt. The social security number and address on their orignal documents do not match any of my personal information. The only thing that matches is my name. I told them this is not my debt and they refuse to remove. I even disputed several times with XXXX. they lied to XXXX and said they had the correct social and address which they do not. When I call to talk to them they are rude and use foul languages.
Consumer complaint received 2018-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NE)

My husband and I were out of town without money and I looked up online a site that helps you find a loan right for you. When I came across this site it was one that was chosen. I do not remember the site that helped in finding this one. We got approved for XXXX right away and the money was deposited. It asked for my husband 's information including bank account so we assumed it would be taken out on the specific dates. They never have taken out a payment and we didn't realize that it was a 466 % apr! I have never heard of a company being able to do that! Needless to say we are heartbroken we have now a loan that we owe for {$1900.00} for a {$1200.00} loan. We are already struggling and then this happened. There is no where to pay it off online and my husband works the hours that he needs to call. When I called they said they could not speak to me and he has to call. while waiting on the phone the recording said to pay off online go to XXXX. but when someone answered, she said that he could not pay it off online but others can? Very confusing. And now we are going to be out of money by paying hundreds more! I'm worried that this is going to affect our credit and our hard earned money is going to a bunch of scammers! I cant even find an acct number.
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.
Consumer complaint received 2018-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NC)

During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.