davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (SC)

After submitting my completed COVID 19 Forbearance request package in XX/XX/2022, I received a letter stating that you have received all the documentation you need from me and I should receive a response in the near future. After waiting some time, I called customer care requesting the status of my request only to be told I was approved for a VA traditional modification but my payment was late. I never received the decision letter and the customer care agent was able to confirm that the letter had NOT been mailed and flagged my account for escalation. 

I called numerous times during the next few weeks and the incident was escalated again with no response from legal or the escalation team. After receiving no response on the escalation and customer care agent and I agreed that it might be best to submit another package. I started on the new loan modification package in May and submitted the final document needed on XX/XX/2022. Approximately a week later I received a letter stating that no further documentation was needed and I should receive a response in the near future. I was still awaiting that decision when I received the letter stating that a foreclosure hearing had been scheduled. 

My home is being sold at auction on XX/XX/XXXX. I've requested an extension to try to sell the home myself because it has quit a bit of equity in it but to date I have heard nothing from Freedom Mortgage.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (VA)

I reached out to Credit Karma to file a dispute for the charges listed below and report these as unauthorized charges on XX/XX/XXXX. I first attempted to reach out to XXXX XXXX to resolve the issue and was never able to get ahold of anyone who could assist me so I then went ahead and submitted the dispute with Credit Karma for my XXXX account with them. 

XX/XX/XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX I reported it on XX/XX/XXXX and then on XX/XX/XXXX they denied my claim stating that I did in fact authorize these charges and could not give me a exact reason why it was denied. Nobody reached out to me for any additional information and I do not know how XXXX XXXX is able to come to this conclusion in such a short time frame. 

I lost my cell phone on XX/XX/XXXX and reported it lost/stolen with my insurance company and they somehow gained access to my XXXX account which had my debit card linked from my Credit Karma Spend account. I have since filed a appeal but have received no reply and no provisional credit while this is looked into. 

I am attaching documents which prove my claim. If anything else is needed from me please let me know. Thank you!
Consumer complaint received 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

In XXXX USBank started offering an Elite Money Market Account for deposits over {$25000.00} as a variable account. When the interest rate changes ( goes up ) it doesn't automatically do this. You have to contact the bank and ask for an exception to increase the rate. This isn't right as if the interest rate goes back down, I am sure it would happen immediately. I have contacted the bank several times and asked for exceptions and have received that but there is time lost waiting for them to do that thus less interest earned. This happens on the first accounts when offered that are opened and now if you open a new one account it is automatic. It doesn't seem like a stretch to make all the accounts automatic immediately. It almost feels like discrimination.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I just got a new Master credit card ending with XXXX with Bank of America. 
Their record show my XXXX credit score is XXXX out of XXXX. But they gave me 24.99 %. 
My cousin has also the same credit card few days ago. He got 22.99 % with a credit score of XXXX. I called Bank of America, and ask them why my rate is 24.99 % with XXXX XXXX score while my cousin get 22.99 % with XXXX XXXX? 
They could not answer my question.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

Ive called to TD BANK my bank to resolve the {$3.00} ATM fees my bank TD BANK was charging on top of ATM {$3.00} fees I was charged my bank did not disclose those charges opening the account over 10 years ago in the phone calls a couple were refunded to my account but still keeps happening. Ive never been charged from my bank TD Bank for non TD Bank ATM fees this just started to happen this year.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-19
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. (TX)

I disputed this account with Experian and it was deleted from my credit report and now its back on my credit report this is an fraudulent account due to identity theft and I proved my case it was deleted and now they are saying they put it back which they can not do once item has been removed this is against the fair reporting credit act and must be removed immediately
Consumer complaint received 2019-01-14
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. (CA)

Had auto loan with XXXX XXXX XXXX XXXX XXXX. Auto loan was in chapter XXXX BK since XX/XX/XXXX. BK was completed and discharged in XX/XX/XXXX. Account is reporting as charged off loan .Contacted credit union and was told to file dispute with Equifax . Filed disputes with Equifax 10 different times. Gets fixed for 1 month then Equifax reports as charged off account. This account was discharged as per chapter XXXX BK in XX/XX/XXXX.
Consumer complaint received 2023-06-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions also codes 15 U.S. Code 1666b,15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), 15 USC 6802B these late payments need to be changed to paid on time never late and deleted and accounts removed immediately and {$1000.00} per violation done equaling to {$7000.00} check mailed to my address per UCC & USC laws
Consumer complaint received 2023-06-30
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. (NC)

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX OF XXXX Account # XXXX, XXXX OF XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they have 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. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Consumer complaint received 2023-06-30
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: FIRST NATIONAL BANK OF OMAHA (CA)

THERE ARE 2 FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

I've been battling with this and been trying since XX/XX/XXXX to XX/XX/XXXX to have this loan removed by Navient. I've called to complain about a loan they said I owe. I called an asked for proof I signed for it an was told they can't provide me with a note instead they mailed me a receipt with the amount I owe which is {$15000.00}. It was less back then an it just kept going up. I didn't want on my credit as negative so put it in deferral to prevent my credit from going bad or having my income tax return taken.I disputed with all three credit bureaus an was told this was accurate an they submitted information but I have yet to see anything. I'm asking for proof that's all period. If they can't this company needs to remove it, including all three credit bureaus
Consumer complaint received 2019-01-13
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. (NJ)

I received a letter from Equifax on XX/XX/2109, stating that based on the contents of my Equifax credit file as of XX/XX/2019, my credit score is unavailable. I still have no valid current Equifax Credit Score. This is unacceptable and MUST be addressed immediately. I then called Equifax Customer Service and spoke to a supervisor named XXXX around XXXX XXXX. She stated her employee ID was XXXX. Despite answering a series of questions correctly, she refused to confirm my identity and was very unhelpful. Nothing was resolved. Finally, despite the enclosed confirmation from Equifax that they changed my name to XXXX XXXX, I continue to receive correspondence in my maiden name, XXXX XXXX. This is more than unacceptable. We also tried filing a complaint with the Federal Trade Commission. We will follow through once the government is funded. We have filed a complainant with the XXXX XXXX XXXX as well.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my Consumer Report, to my dismay there are items and transactions on my Consumer Report that are violations of the below acts, bureaus, and commissions.

Transactions Act of 2003 ( FACT Act ), which Congress substantively amended the FCRA.

Consumer Protection Act ( Dodd-Frank Act ) which granted rule-making authority under FCRA Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission-Oversees identity for consumers Attorney General of the Consumer Reporting Agency 1681a. Definitions ; rules of construction 1681a. Definitions ; rules of construction 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A LAWSUIT : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress . This is resulting in identity theft by Transunion a Consumer Reporting Agency a for profit none federal agency. 

BEING REPORTED ILLEGALLY, UNLAWFUL BY TRANSUNION US DEPARTMENT OF AGRICUL- LATE PAYMENT TRANSACTION XXXX XXXX XXXXLATE PAYMENT TRANSACTION XXXX XXXXLATE PAYMENT TRANSACTION
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Experian is not updating my credit file with all my accounts. I have been in contact with Experian and my credit to fix this issue for over two months. The creditors that are not reporting on my Experian credit file are my Loans from XXXX XXXX XXXX XXXX XXXX and Bank of America. I spoke to BOA at the beginning of XXXX about reporting this issue, and they said they would investigate and see what could be done. It's now XXXX going into XXXX, and nothing has been done. I spoke with XXXX XXXX XXXX XXXX in XXXX and XXXX to investigate the issue, and they informed me that there is no issue on their end as far as reporting. I even sat down with the credit union branch XXXX on XX/XX/2023, while we called Experian on the phone to get this resolved together. The representative, XXXX, took down the information the creditor provided her over the phone and gave us a confirmation number to track the investigation. I called today, XX/XX/2023, to learn that the investigation was closed and nothing had been done. I also sent over paper copies by mail of the dispute and disputed online the updating of my report, and only half of the dispute was addressed, and this was at the end of XXXX. So after numerous conversations with Experian and no resolution as of yet, I'm trying to see what else can be done. Please help! This is hurting me tremendously if creditors only pull my Experian report.
Consumer complaint received 2019-08-16
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: CMRE Financial Services, Inc. (CA)

I have asked both XXXX  and CRME the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

I signed up for a Citi Bank card and and have been trying to pay it off for years. I have paid thousands of dollars and because of the interest rate I am unable to make any progress. I have reached out to the company multiple times and have either been told someone will call me back and never does or that there is no option for me at this time and they want me to call back after the next cycle. I have tried desperately to make payments or lower interest rates but have been unsuccessful.
Consumer complaint received 2023-06-30
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: ENCORE CAPITAL GROUP INC. (NV)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-29
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. (SC)

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 USC 1681. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 of crimes which antedates the report by more than seven 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 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (FL)

CMG Financial did NOT pay my flood insurance last year and my policy lapsed. They did NOT notify me and forced place flood insurance at 9X the original cost of my policy. Due to policy lapse, I am no longer grandfathered into my policy and am paying exponentially more for my policy, due to Flood Policy changes through the XXXX They then stopped my PMI in XXXX of XXXX and picked it back up in XXXX. Payments continued with reimbursements taking place through XXXX of XXXX. During this time frame they charged my escrow account for 11X the monthly PMI payment in 1 large lump sum. The month this payment was made, just happen to be the month ( only month ) that I did NOT receive a monthly statement. It took over a month to even receive this statement. I even received a statement labeled for this month, which was NOT correct. 

In short, due to incompetence and questionable business practices, CMG Financial has driven my Escrow account negative thousands of dollars and increased my monthly mortgage payment to double what it was when the loan was originally processed in XXXX. Not only am I paying for their mistakes, these errors will cost me over XXXX 's of thousands of dollars just for the flood policy mishap. 

I have attempted to settle these issues with the CMG for 3 months now and every time I call, I have to speak to a different person, even though I collect their Agent ID info, customer service states they can not look up that information. Every call ends the same : Promises to return my call the following day ( or Monday ), and 0 return calls have been received. 

As a consumer, this appears to be a gross mishandling of funds and questionable business practices. I am filing this complaint based on " Bad Faith '' practices instituted by CMG Financial. 

Note : The only complaint the CMG has adjusted is the double charge on my escrow account for the current homeowner insurance renewal ( not mentioned above, but yet another example of the incompetence ).