davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (NY)

VFN  and associates has been calling my place of employment regarding my debt I work at a funeral home which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

Sometime ago I filed a complaint against Experian 's insistence that it could not temporarily unfreeze my credit report because I did not live at the address I lived at when I froze my account. I did not receive a response. In the interim, I did some research and found Minn. Stat. Section 13C.016, Subd. 4 which lists the steps to be followed in unfreezing a credit report temporarily. Experian has not complied with the law which essentially states that any information which substantiates a person identity is sufficient to unfreeze the account. If Experian wants to do business in Minnesota, I guess that it is stuck with the law. Thank you.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MA)

I received a letter from TD Bank dated XX/XX/2019 thanking me for opening a " TD Growth Money Market '' ( account number ending in XXXX ). I have never opened an account at TD Bank ( other than a loan many years ago ) and went to the branch on XXXX XXXX in XXXX, MA to speak to an employee. The woman I spoke to stated that there was another customer with my name in another state and that the account set up was an error. She assured me the account would be closed immediately. Two days later, I received a statement. I assumed it was because the account was closed, as the statement cycle was only a few days long. Today, XX/XX/2019, I received another statement for the same account. I tried to contact them, this time, through their customer service website, but received a message that it was down.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

On XX/XX/2019 our mortgage was transferred to XXXX XXXX to PHH Mortgage who merged with XXXX PHH informed us. For some reason PHH mortgage is charging my wife and I an additional {$150.00} each month for " hazard escrow '' and " other taxes. '' PHH mortgage told us that they provided their own insurance company for flood insurance for us without our consent. We have our own flood insurance we've been paying for on the building. Our building has insurance, as well as flood, we don't need insurance provided for us. I have provided supporting documents to the mortgage company several times. They told us an escrow analysis was completed and there is no additional flood insurance being billed to us by PHH mortgage. Today as of XX/XX/2019, we just paid this not needed flood insurance. We have overpaid for this 2 months in a row. Today at XXXX, I spoke to XXXX ( badge ID # XXXX ) from PHH mortgage. XXXX was not cooperative. XXXX said that we are not being billed for this, yet I still show I am being billed for it. I have all the evidence, and will submit the documents showing this. XXXX tried to tell me since we were a little behind in our mortgage, the account will NOT be brought up to the correct status until we pay the past amount payments including late charges. I was told 3 weeks ago that as long we continue to make our current monthly payments, the home is not in jeopardy of any kind of foreclosure. I also informed them that we will take care of this asap. I feel like they are trying to extort us. This is illegal practice. We didn't ask, or need flood insurance and need this removed immediately and need a check sent to us via XXXX for {$310.00}. This is the exact amount we overpaid. 
Warm Regards, XXXX XXXX
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC (MI)

XX/XX/XXXX, we refinanced our home from XXXX XXXX to the Mortgage Center. This refinance was to pay off XXXX XXXX, Hud, and MSHDA. We thought everything was fine, until XXXX of XXXX we applied for a HELOC at our credit union. The credit union advised us that there was a lien on our home from HUD. We were very confused and reached out to HUD  ( which wasnt easy ) and found out we needed to contact XXXX who handles their payments and payoffs. We found out that XXXX sent XXXX XXXX the wrong payoff. The payoff was for a person with the last name in Florida. XXXX XXXX sent the payoff to The Mortgage Center. Not one person noticed that the information was incorrect. The information was sent over to XXXX XXXX and a check was cut for {$7800.00}. Our original amount that we owed was {$10000.00}. After us contacting XXXX, XXXX did go ahead and credit the {$7800.00} to our account, but we now have the {$2900.00} that we have to somehow come up with to pay off the lien and be able to get our HELOC.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX XXXX XXXX sent a balance transfer payment to American Express but the Account number provided was incomplete. The payment then became missing after I contacted XXXX XXXX where they verified the payment was sent to American Express and rejected based on the BT document. I opened a dispute with American Express and sent the documents that provided the information they were requesting but closed the dispute after a few days asking for the same information that I had provided without attempting to inquire about the missing payment sent to them. I have been going back and forth between XXXX XXXX and American Express and no one is able to help me figure out how to find this electronic payment.
Consumer complaint received 2019-05-23
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. (MN)

I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of XXXX and hurting my credit score.
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

In XXXX I underwent treatment for XXXX XXXX. Under my medical plan with XXXX, my medical insurance carrier at the time, all of my medical costs were covered at 100 % after meeting {$5000.00} out-of-pocket expense which I had easily satisfied prior to my XXXX in XX/XX/XXXX. All XXXX XXXX XXXX were paid in full. In one instance during my follow up XXXX XXXX   in XX/XX/XXXX, I was required to pay a {$67.00} co-pay which I did as per my XXXX plan, my insurance carrier paid the remaining costs as per plan arrangement to the provider , XXXX XXXX XXXX  XXXX ( please see XXXX Statement enclosed with this complaint ) To my utter surprise, on XX/XX/XXXX, I was notified by the XXXX  XXXX XXXX  credit monitoring service of a potentially major derogatory collections report for {$170.00} that was filed by MBA Law Offices/XXXX ( see the derogatory report provided with this complaint ). I have no idea who this company is an why they attempting to damage credit for money that I do not owe. 

In an effort to get the bottom of this and resolve this matter, I have spoken with both XXXX and XXXX, explained the situation and have initiated disputes. I have also contacted MBA Law Offices/XXXX however they are not cooperative. The representative to whom I spoke indicated that this was related to an imaging service that I had at XXXX XXXX XXXX XXXX and had paid {$67.00} and that there was a balance due. I explained to her that this was incorrect, that XXXX, my insurance carrier paid and balance to the provider under my plan. I told her that at no point during my treatment was I ever required to pay more than the co-pay for imaging services under my plan with XXXX. I explained to her that I did not owe any money and that they had incorrect information and that I am being victimized by their bad information and derogatory report against me for what I do not owe. 

Following my conversation with XXXX  and XXXX, I have XXXX MBA Law Offices/XXXX and have learned that this company buys medical debt in bulk and aggressively pursues individuals with collections even if the information that they have on the discounted debt they purchase is not accurate and I am now a victim of this practice.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

Using the Simple Mobile App Mobile Check Deposit feature today I deposited an insurance check from XXXX which was overnighted to me from the Office of the CEO. 

XXXX XXXX wrongfully rejected this check without any explanation as to why. I followed all of the proper procedures in depositing this check by taking clear front and back photos with all four corners visible. I endorced the check as instructed by signing it, writing my account number and noting " For mobile deposit only, Simple ''. Now I am unable to cash this check since I wrote " Void '' also as instructed on the front after making the mobile deposit. This will cause my rent to be paid late and incur additional charges while I request and wait for a new check to be issued. This I believe to be in tree retaliation to my complaint made yesterday regarding there handling of a dispute.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Circle Internet Financial (GA)

I have never set up or even heard of an account called Circle Internet. This morning I was ACH withdrawn for two payments. Neither one I placed. I never made an account. There is no phone number for the company and customer service refused to respond to me. Ive never used this company and it just showed up in my checking as a charge when I had not placed this. They never got back to me.
Consumer complaint received 2019-05-23
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: BARCLAYS BANK DELAWARE (IL)

Two fraudulent charges were made to my account on XX/XX/XXXX by a company I did not recognize ( XXXX XXXX XXXX [ XXXX ] ) for a total of {$1300.00}. I immediately reported the fraud. Later I received the fraudulently ordered merchandise to my house ( billing address for the Credit Card ) and contacted the merchant. The merchandise was returned to XXXX on XX/XX/XXXX ( UPS tracking ). I have spoken multiple times to both the Credit Card Company ( Barclays ) and the Merchant ( XXXX ) and each is saying the other is responsible for refunding my money. 

Attached are the letter I sent to the Credit Card company, with a summary of time lines, proof of merchandise return, and the email conversations I have had with the merchant.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

This company is a predator on those who are struggling with their credit scores not only was I sold a vehicle that costs thousands of dollars in repairs including multiple engine replacements that left the vehicle in operable they inaccurately reported late payments to the credit bureau as well as initial payments and multiple payments made throughout the years {$0.00} or less than {$1.00} was applied to the principal and the entire payment amounts were applied to interest. On a {$17000.00} loan in 5 years of payments the ending balance was still {$7200.00}. The year after purchasing the vehicle this company was fined 8 million dollars for harassment and inaccurate credit reporting, the name was changed XXXX XXXX XXXX to Bridgecrest and the unfair practices continued. They refuse to remove the account from my credit score which is impacting my ability to improve my credit scores even though the account is paid in full and inaccurate. The harm they have caused by their outrageous tactics and preying on those that fall on hard times should be punishable. I will pay for years for doing business with this company with my credit score, have suffered extreme financial strain related to their practices, the repair expenses and 5 years of payments with outrageous interest rates and mental stress and anxiety of their harassment and have only asked to be afforded the opportunity to repair my credit score by requesting a deletion of the account information from all credit bureaus. The loan is paid off and they gain nothing by keeping it on my report other then to continue to harm me for years to come. I beg for an opportunity to move past this and have this inaccuracy totally deleted from my credit reports so that I can have a fair opportunity to rebuild my credit. I am attaching the account history so that you can see the outrageous funds paid and practices of applying zero to principal including initial payments. I am also willing to provide repair receipts of thousands of dollars for a low quality vehicle sold including multiple engine replacements as well if requested. Thank you
Consumer complaint received 2019-05-22
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. (AZ)

To Consumer Financial Protection Bureaus, I would like to file a complaint against Transunion on the basis of sabotaging my credit profile and not abiding by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Transunion had requested documentation of re-establishment of a XXXX Credit Card that is on my credit profile with XXXX and XXXX. I have worked beyond the means to get this information to Transunion, as far as working with XXXX Executive customer service, who have validated this account and further more have established that the account has been reporting since XX/XX/2018. Transunion is exerting its power on me the consumer as punishment due to me obtaining an attorney on the matter, they continue to violate the Fair Credit Reporting Act, even when given documentation that they have requested. They continue to change the document acceptance process requested by them to further violate the Fair Credit reporting act as retaliation for filing claims or reporting a violation to my attorneys against them. 
I have attached document from Creditor XXXX Card on behalf of the Executive customer service. Transunion representative stated that now they will only accept an online ERS update from XXXX, which when I contacted Creditor XXXX, they have stated they have not heard of such a process and have been reporting this XXXX Card account to Transunion on my behalf, based on a legal and federal guidelines set by the Fair Credit Reporting Act since XX/XX/2018. 
As a consumer I am outraged that Transunion think it is above the Fair Credit reporting act and continue to retaliate against me for filing claims or reporting a violation to my attorneys against them.
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (GA)

i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. There are still items on my credit that are not mine.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was sold to New Rez LLC. In XXXX I switched banks and tried to update my checking account details for my autopay, which was carried over from the previous company. There is no way to cancel the autopay on their website. I have contacted New Rez MULTIPLE times trying to get the autopay cancelled. I told them they no longer have my permission to withdraw funds from my checking account. I set up automatic bill pay from my new checking account and paid the mortgage the week before it was due, but they still took the autopay from my old account despite my notifying them more than a month in advance. I spoke with them last week and was told they had cancelled the autopay and were refunding the extra payment, but they have not refunded it and when I log in I still see the autopay set up with the old checking account information. They owe me {$1000.00} that was taken from my account after it had already been paid, and I want my checking account information completely removed from their system, with the autopay cancelled. I am furious with the ineptitude of this company and will NEVER trust them with my checking account information again.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Endpoint Resolution Services (ERS) (IL)

ERS in XXXX New York collection agency calls my parents home everyday. They ask them to quit calling everyday and they continue to call. They told mother it was a legal issue. She was recovering from a XXXX XXXX and they continued harrasing her every day. She had another XXXX XXXX and passed away last month. They still continue to call and harass my sick  father now. Every day they tell them I am XXXX years old and don't live there. My father even gave them my number and they still call them. I called them today and they told me it is not illegal to contact them repeadetly after asking not to call.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX my bank of america account was hacked. I quickly received an email regarding low funds and contacted my bank. They did nothing but tell me they would research the issue and would take 10 days to come to a decision. Today I received notice that my claim was denied because the transactions in question were completed by a third party who was given access to your account or account information. I've never ever given my information to anyone to steal my money. They told me today that if I get a letterhead from an IT or XXXX XXXX company stating that my laptop was compromised that they would revisit my account. I spoke to an IT professional and they said that wont prove anything. The bank has IP addresses of whoever logged in and they can trace it. The bank has not done anything to find who did this. There was proof that someone made multiple payments to XXXX with account numbers and they told me they dont contact them??? I was furious! Said so what are you doing for me then?!!! There is evidence where my money went and they did nothing about it!