davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (CO)

The company bought my loan in a transfer of servicing. My XXXX XXXX XXXX was escrowed into my monthly payment. The Servicer has since dropped my escrow collection on the insurance without my knowledge or at my request. I just learned that they took XXXX XXXX XXXX XXXX, shorted it to pay escrows, and placed the remainder of my XXXX XXXX XXXX  payment into unapplied funds. Thus, it is not allowing me to make the payment for XXXX. 

In escalation calls, it was determined that my insurance was always escrowed and collected. Yet they still disagree that I am current on my escrows and not my XXXX XXXX XXXX. Three times, I have account transactions and escrow analysis to be emailed. Yet, I have not received any information after multiple requests over multiple days. 

In short, I am convinced that this company is in violation of Reg Z. 

I am asking for your assistance in resolving this confusion. I will pay all amounts to bring them current, but something is wrong, and they can't even figure it out on the phone. Please help.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the following unauthorized hard inquiries on my credit report, as I am a victim of identity theft. These inquiries were made without my consent or knowledge and are the result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you immediately remove the unauthorized hard inquiries from my credit report. As per the provisions of the FCRA, victims of identity theft have the right to have fraudulent information removed from their credit file. 

The unauthorized hard inquiries I am disputing are as follows : Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX 2024
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

I called my mortgage company requesting instructions for removing the escrow. I have owned homes previously without an escrow requirement and have always paid property taxes and insurance as required. The escrow requirement was put in place because we put a down payment on our current home of less than 20 %. However, we bought the home at a below market price, and once our previous home sold, put over {$150000.00} in cash into the current home for improvements. When I requested removal of the escrow, the mortgage company cited RESPA guidelines stating that my mortgage balance must be less than 80 % of the original purchase price of the home. Considering the money we put into the home and my past history of paying taxes and insurance in a timely fashion, I feel this is highly unreasonable. I am willing to have the property re-assessed at my expense in order to validate that the balance is now well below the 80 % threshold, but the RESPA guidelines do not allow that. These guidelines need to be amended for people who have worked hard to put money into their homes to enhance the value and no longer wish to be subject to escrow requirements.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I paid {$6000.00} from my debit account to my credit card. 

Two days later the bank took {$8000.00} out of my debit account and put toward the balance of my credit card. 

I did not move this money, this is the second time that the bank has " accidentally '' done this. 

Last time you reached out to them on our behalf, they reversed the second transaction immediately. 

This time when we called them they said they'd fix it and they did not. The {$8000.00} was reversed from our credit card payment but it was not restored to our debit account. 

Our mortgage payment could not go through as a result of this. Which has now hurt our credit score.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I have been a victim of fraudulent checks in XXXX and XXXX to the total of {$3800.00} and when I went to deposit them into my bank account ; they considered me a RISK and closed my accounts. No bank would honor the checks, and no bank has allowed me open a checking account since then. I found no way to resolve the loss. 

Apparently I am still on the list as a RISK.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (WV)

Federal loan servicing was in charge of my student loan. It then got transferred to XXXX because they took over for the government on servicing loans. Fed loan servicing is reporting that my account is more than 120 delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at Fed Loan Servicing. The line rings busy. Both XXXX  and XXXX refuse to remove it from my report but I had never been late.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I have Chime debit and credit card. On Tuesday XX/XX/XXXX XXXX charges were made to my account that I did not do. It was XXXX XXXX XXXX charges. I received a text message from chime asking about 2 of the transactions if it was me that made 2 out of the 3 transactions. Exact verbage : " CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$120.00} at XXXX XXXX XXXX ' on XX/XX/year>? Reply Yes or NO ( XXXX ) and another message for separate transaction : " CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$50.00} at XXXX XXXX XXXX ' on XX/XX/year>? Reply Yes or NO ( XXXX ) -- - I responded NO and got the following reply : The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime app and request a new card from the settings screen. The third transaction was not mentioned in a text message, it was for " XXXX XXXX XXXX in the amount of {$17.00}. I immediately called chime, cancelled card, ordered new one and was assured I would receive my money back and it was denied. I spoke to another person at chime and filed a rebuttal and find out today it was denied again. The total for the 3 transactions was {$180.00}. I have filed a police report here in my town also. 
On XX/XX/XXXX my chime credit card was used for a XXXX 's order in the amount of {$48.00}. I was able to get an email from XXXX where the food was delivered and it was in XXXX, FL. I have an address it was delivered to and an IP address that was used to make this order. I live in Georgia and was working this day. This is the day I had a deputy come to my home and I filed police report about it all. This dispute is still under review ( for the {$48.00} ) and card was cancelled and a new one is on the way, but could someone please help!? I'm a hard working single mom nurse and need that money for groceries. As soon as I get everything straightened out I plan on not using Chime anymore, but I am afraid to cancel now because they probably definitely will not refund my money then. My whole paycheck goes on this card twice a month. I filed the police report through XXXX XXXX Sheriff 's Dept and the case number is XXXX
Consumer complaint received 2017-08-21
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. (PR)

I dispute an account with XXXX and they correct the error ( account open fraudulently ). I send all the information needed to XXXX, and they send me my credit report corrected. XXXX correct the account too but EQUIFAX have the information all wrong. I try to dispute this account in Equifax with no results. And all my information is wrong in Equifax, i have a mortgage and they delete the account and the account on dispute its still in my report. I been checking my credit report in XXXX XXXX almost everyday to see any change on it. I dont know if the 3 credit agencies are supose to have the same information. I can give you my XXXX report number for easy access to my info : XXXX I live in puerto rico and the account was open in united state. I been trying to deleted this account since XXXX  2015 and Equifax still have this account. Also the address still in my account. The account in dispute is XXXX XXXX # XXXX they use this address : XXXX XXXX XXXX XXXX VA XXXX ( fake )
Consumer complaint received 2017-07-24
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: Experian Information Solutions Inc. (GU)

I respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (UT)

During the process of purchasing my vehicle, I found myself in a high-pressure situation that led me to sign the financing paperwork with Credit Acceptance. As someone with limited credit history, my options were constrained, and I felt that I had little choice but to proceed with the financing terms presented to me. Unfortunately, I was not fully informed about the details of the loan, and I now realize that I was provided with misleading and incomplete information during the signing process. 

Specifically, I later discovered that a rebate charge was added to my loan without my knowledge or explicit consent. At the time of signing, this charge was never clearly explained to me, and I was not made aware of its impact on my overall loan amount. I feel that this was a significant oversight and that I was not given the opportunity to fully understand the financial implications of the agreement I was entering into. 

As a result of this undisclosed charge, my ability to trade in my vehicle has been negatively affected. The additional charge has inflated my loan balance, making it difficult for me to move forward with any trade-in options. This situation has created financial stress and has left me in a position where I am burdened with a loan amount much higher than I had initially anticipated. 

I believe that I have been treated unfairly and misled in this transaction, and I am seeking resolution for the added charges that were not disclosed to me. I request that the Consumer Financial Protection Bureau investigate this matter and assist in rectifying the situation, as it has severely impacted my financial well-being.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc. (IL)

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

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 I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : SUNRISE CREDIT SERVI ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : This is not my account Please respond to me with an updated copy of my credit report once these accounts have been removed. 

Thank you, XXXX XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (NC)

I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, Regional Finance is listed on my XXXX report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

Hi, my name is XXXX XXXX, and my XXXX is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX/ TD Bank {$330.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over XXXX security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last XXXX yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CT)

At or around XXXX on XXXX I applied for a XXXX XXXX credit card issued by Chase XXXX I was sent, this is no exaggeration, to XXXX ( XXXX ) separate departments within Chase to look to get this credit card application processed. XXXX part of the application process was I needed to lift my XXXX XXXX XXXX, which I did. Chase representatives, within their locus of control of the principal-agent relationship, could not answer what the issue was and why I was being sent around to XXXX separate individuals, on the same call. This was not a security issue, that Chase used under the guise of placating the consumer ; rather, they just would not take ownership of the applicatiion process and -literally- wasted a XXXX hour of my time. The fact ( which is verifiable ) that my subject XXXX XXXX XXXX is above XXXX is not the issue... if Chase wanted to deny the card, they should have just told me that XXXX minutes into the call. As a reminder, I was REQUIRED to call Chase to complete the application ( I would have much preferred to do all the application online ). Chase treated me very poorly and wasted valuable time. Very disappointing.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (NC)

I opened my checking account on XX/XX/2024, and despite meeting all the requirements for the {$450.00} bonus advertised by First Horizon, it has not been deposited into my account. An agent informed me that I was penalized for not having a {$5000.00} balance during the first partial statement cycle, which is not feasible. The terms of the bonus clearly state that a {$5000.00} average balance and 10 debits are required in each of the first three full statement cycles. As a result, my funds have been sitting in the account earning no interest, while the bank benefits from my money without honoring their bonus terms.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IL)

Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX CONCERNING : Bloomingdales XXXX XXXX {$810.00} Im writing because I have been financially and XXXX XXXX violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over XXXX security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 years. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company has no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraudulent account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for years I been battling this. When I had to get the law involved, they then sold my account illegally. 
The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraudulent account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-10-21
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Sunrise is reporting on all 3 credit bureaus as a debt collection as of XXXX  in NY, however I have resided in another state for many years. They alleged the original creditor sent them the information stating this is a debt when the alleged debt has already reached the statute of limitations. I contacted the original creditor and they provided all the correct information. This Sunrise company false information has plummeted my credit score on all 3 credit reports and was very belligerent and disrespectful towards me when I asked for further information that supports their claims.