davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

In late XXXX or early XX/XX/XXXX I went online to the Carrington Mortgage website and attempted to retrieve my 1098- Tax Statement for XXXX. It was no longer available as all of my documents other than one showing for XXXX were missing. So I called the customer service number and requested my 1098 Tax statement for XXXX so that I could file my XXXX tax return by the XX/XX/XXXX deadline. I advised them of my new address so that the confidential document would not be mailed to my former address. I was advised that it could take 5-7 business days. Due to COVID-19 I allowed several weeks for possible delays in mailing. 
In late XXXX or XXXX XXXX, I called again requesting the XXXX statement and confirmed with the agent my new address. The agent indicated that it was mailed out and that since I had yet to receive it she would again mail out the XXXX statement and that the time to receive it would be 5-7 business days. 
I have repeatedly attempted to call again and due to COVID, I am no longer able to speak with anyone via phone.
Consumer complaint received 2022-08-27
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: Westlake Services, LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (IL)

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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (PA)

Chrysler Capital continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (FL)

Hello, this is a follow up with the prior complaints of Early Warning Services refusing to remove negative information that I am liable for, after submitting a police report they refuse to accept. Hers an additionally copy of the police report of the Id theft and an FTC report for identity theft. XXXX is refusing to remove this information and its crippling me, they are trolling me, refusing to accept legit literal documents, I will have no choice but to sue if I cant get help.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (MI)

On XX/XX/XXXX, I sent a notice to rescind to Concord Servicing Corporation along with an affidavit of fact to which they have not responded. I submitted an application to them extending my credit for personal, family, and household use on or about XX/XX/XXXX. I discovered they used my application information to obtain monetary advances through pooling pursuant to 17 CFR 229.1101 ( c ) ( 1 ). They did not provide me with proper disclosures or notices which is a violation of the Truth In Lending Act. In addition to this, they also changed my address on this loan. They have been very deceptive with their criminal behavior and have caused me significant harm. Since they failed to respond to my notice to rescind and my affidavit, I am submitting this complaint. I have attached a copy of the documentation I submitted to them which details their criminal behavior for your review. Thank You!
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Moore Law Group (CO)

I have not lived at the house that they supposedly sent details to. I have not received a call, nor have I been able to call them. Their number does not work. I've attempted to call local offices as well. I have recorded what happens when I attempt to call them. I get a recording every time. How can I work with a debt collector when I can not contact them? Are they not required to be reachable? it seems like a very shady tactic to tell consumers to contact them at a specific phone number, then that phone number does not work. Now my wages are being garnished???? I could have worked this out with them had the been communicative and reachable. 

Additionally, my name is spelled incorrectly, which might be why I don't receive any mail communications from them. They've failed to correclty spell my name, but received a default judgement against me with my name incorrect? I don't receive any mail from them because no one by that name lives at my address.
Consumer complaint received 2020-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I notified both XXXX  and Equifax by certified mail on two separate occasions in XXXX andXX/XX/2020, with supporting documents making the companies aware that I am a victim of identity theft. Both companies placed a fraud alert onto my credit files, but has not investigated the disputes listed in the dispute letter. All I've received from XXXX  and Equifax was a paper stating that a fraud alert was placed onto my credit file. ( PLEASE SEE ATTACHMENTS ) The FCRA promotes accuracy, and fairness of information in the files of consumer reporting agencies. The FCRA Summary of Rights also states that you required by Federal Law to physically verify  accounts that creditors are reporting to your company within 30 days.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had this credit card with Bank of America for 28 years. 
In mid XXXX of 2019, I reported fraudulent charges made to credit card to Bank of America The amount exceeds {$25000.00}. 

A brief history : About the same time when fraud charges were made, my phone got jammed which forced me to go and seek help from XXXX XXXX XXXX. XXXX XXXX XXXX alerted me that someone was trying to use my phone and recommended to change to a new SIM card. I did not know that someone was using my card. 
The next day, a XXXX store clerk from XXXX XXXX texted me saying she found a bag I might be interested in following yesterday 's purchase. I told her that I never went to that store. Communicated with the stores clerk, learned that the person who were doing fraud purchase bought a XXXX bag yesterday and left the phone number for a new item. The clerk said she remembers the person to be XXXX ... .confirmed that the store had a security video recording of her making the purchase using my card. 
I called Bank of America to let them know that there were fraud charges made on my card and freeze the activity. The Bank of America said they would issue me a new card. 
I filed a police report on these fraudulent charges. 

Actions taken : 1. reported the fraud charges to B of A 2. got the proof for why & when SIM card changed 3. filed a police report 4. send via fax as well as US mail " twice '' all the documents to B of A Fraud Dept. ( they claimed they never received them ) 5. wrote a personal letter to the B of A Fraud Dept. in XXXX of 2019 when no action is being taken by B of A Fraud Dept.

6. received a resolution letter in XXXX of 2019 saying all the charges were dropped and credit agencies would be notified of this action to clear all the mishaps which affected my credit score.

7. The charges still remain outstanding despite the resolution letter.

8. wrote another letter demanding fraud charges to be dropped or cleared.

9. received a letter in XXXX of 2019 saying they are reopening my case. 
10. I hired an attoney to represent me and file a lawsuit if necessary to resolve this issue 11. my attorney sent a letter and called a number of times ... .no response yet. 

My bankers XXXX XXXX XXXX XXXX XXXX XXXX tell me that, among bankers ' conversation, it is a known fact that Bank of America is notorious in matters like this betraying the trust that the customers have. I don't know whether to believe this. I don't want to ... but their action of reverting their own resolution puzzles me, and it is beyond my comprehension. 

My issue has dragged on more than a year now with no resolution which has affected my life greatly : credit score ( hard to finance anything now ) and emotional well-being. This should not be something anyone deserves especially for a identity-theft victim, and especially by a leading banker like Bank of America.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I '' ve had a Capital One cc account since XXXX. My credit given to me was for {$2400.00} I pay monthly but over the years there has been maybe a couple of times I've had to pay a late fee. I noticed that I was being charged fees on my account although payments were made. {$35.00} fees in addition to {$39.00} interest rates. Currently I am aware that my APR is 19.40 % for this card. I'm just want to know should they be charging me {$35.00} in fees along with a {$39.00} interest rate for 17yrs. I could never finish paying the bill because my money is going to fees and interest. The fees being charged are not late fees. I have requested for statements for XXXX but unfortunately since I always discard my statments I don't have all of them from 17yrs. I will make my best effort to pay this bill off. 

























I have a Capital One cc which I received in XXXX with a credit available of {$2500.00}.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit file for others to see. 

They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

BANK OF AMERICA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NY)

I've issues with PNC 's shady practices in the past so I've been taking screenshots of my account. My account was around {$66.00} XX/XX/XXXX and XX/XX/XXXX I wake up to a negative {$53.00} balance. I have screenshots of my account that doesn't at all indicate that my account would be negative or that there were any amounts coming out today. 

I contacted PNC bank and was immediately transferred to a manager stating she couldn't guarantee that I wouldn't be charged an overdraft fee of {$36.00} usd for three charges. That would cost me around {$100.00} dollars. They tried this same thing before and after I explained my situation they waived XXXX overdraft fees. I didn't press the subject and decided to keep better tabs on what funds would be coming out and STILL they pull this XXXX. People are struggling to pay rent and keep gas in their car, we can not afford for banks to keep doing XXXX like this. I'm going to continue fighting these charges until they give me money back, if they process an overdraft fee. I check my account and take screenshots several times a week because this gives me anxiety. Right now I can not afford this.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (AL)

XXXX has been harassing me by inaccurately trying to collect debt when I never signed up with them for any type of services. I called XXXX a while back to explain that they have the wrong person for the debt and i wish to not be contacted but XXXX continued to pursue me for debt that I don't know and has even turned it over to a third party Nationwide Credit , Inc in the amount of {$130.00}. XXXX and Nationwide Credit , Inc have violated the law by pursuing me when I never signed any documents or spoke to someone regarding the address I stay at. Furthermore I am not the lease holder nor do I hold a mortgage for the address they have on file so I don't know why they would be billing me especially since I never signed any documents nor did I have a written or verbal agreement. This is a violation of my rights from both of the companies for harrassing me and disrupting my right to privacy. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2022-08-25
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. (GA)

I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year Experian XXXX XXXX The account is with XXXX Bank it has a balance of XXXX
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.
Consumer complaint received 2022-08-25
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. (FL)

I have a debt on my credit report XXXX XXXX XXXX XXXX that is already more than 7 years old. The company waited until this hit the 7 year mark to sell my debt so that it would be re-reported. I tried to work this out with them when the original loan defaulted, the repossessed the car and sold it making back almost every dollar I financed. They would not agree to let me pay the balance in arrears monthly and wanted me to instead take out another loan to pay theirs off. I could not qualify for another loan and they advised me at the time to just wait it out then until it fell off. XXXX at 7 years they sell the debt and it is negatively impacting my credit score when I tried every resource possible to pay them back/ off at the time that it was happening. As a matter of face I had the money for the two months that I was behind when they repossessed the car and they would not accept my payment and insisted on me getting a new loan elsewhere to pay them off. I want this loan removed off my credit as the company made their money back when they sold the vehicle, they did not work with me to get this rectified and they lied to me and sold my debt at the 7 year mark to keep my credit score down. I accept full responsibility for any debts that I knowingly have defaulted on my credit but what they did is not only wrong but its deceptive to tell a consumer to just wait it will eventually fall off and then sell it is deceptive practices. I would like this removed off my credit report immediately.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

The federal government paused student loan interest in XX/XX/XXXXXXXX  and resumed the interest in XX/XX/XXXX. My interest has gone up and continued to go up. I have asked for itemization and documents for years and they have not provided this. 

I have sent emails asking for them to send me documents of my original owed amount and the interest they have accrued in XXXX XXXX XXXX XXXX, and I have been ignored.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (VA)

On or about XX/XX/XXXX, I contacted Suntrust mortgage regarding the forbearance program. After waiting on hold for close to 6 hours, I spoke with an individual who described the program. The program was available for 90 days and in about 45 days they would contact me to see if I needed it to have it extended. During that time I would still accrue interest, but no payment was required. During that time I could make payments. I was also told that there would be no effect on my credit score and that Suntrust would let the credit bureaus know during the forbearance period that I remain current. On XX/XX/XXXX, I received a notification from the credit bureaus that my score went down 20 pts. After reviewing my report I learned that Suntrust had notified all bureaus that I was in forbearance on my Suntrust Mortgage. The call with Suntrust was recorded so I have attempted numerous times to contact via telephone and each time the call gets disconnected during the on hold queue. I have also sent emails regrading this to XXXX XXXX is the Home Preservation Client Representative. Her email is XXXX and her phone number is XXXX ext XXXX.
Consumer complaint received 2022-08-25
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions