davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

IN 2020 I had force placed insurance placed on my escrow account and it has snowballed and caused my payment to go up. 
I had insurance and my condo building had insurance. I would like to have this money refunded to me and I will provide these documents and I want my mortgage payment recalculated
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I contacted Credit Collection Services regarding a {$970.00} closed progressive insurance account. I requested from CCS any contracts that I have signed with CCS, and contracts they have indicating ownership of this debt, and any details account information they may possess. hey failed to respond. I then sent a certified mail request for all of the above information on XX/XX/year> and they have failed to respond.
Consumer complaint received 2024-08-25
Product: Credit reporting 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. (FL)

Unauthorized hard inquiries I have no knowledge I need to be removed : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All of these unauthorized inquiries Range from XXXX XX/XX/year> to XX/XX/year>.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking over my consumer report and once again its some other person violating the laws the Social Security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers.

42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to 20 years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the United States Code that covers how the government pays interest and obligations on its public debt. It is part of Title 31, which covers money and finance, and Subtitle III, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX XXXX. XXXX, also known as " Loans by bank on its own stock '', is a section of the United States Code that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within six months.15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in XXXX to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - Civil liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested.True accord corporations opened XXXX XXXX say its open reaging the account amount {$230.00} XXXX XXXX XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor also XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 2023
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

A collection from the XXXX appeared on my credit report and without doing much research I paid the account on XX/XX/2024. 
When I ask the collection company XXXX Credit Collection Service XXXX Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX - XXXX XXXX to XXXX EST, Monday to Friday for a letter verifying that the account is paid in full an no longer in collection, they refuse to provide. They only send me a email notification. 
The problem is that the collection company continues to report me in my credit every month to the 3 credit bureaus as Paid under collection. When the account is already paid in full an is not longer in collection. 
This has brought negativity to my credit every month destroying my credit.
Consumer complaint received 2024-09-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (TX)

Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX I received a notification stating that my claim has been resolved. Upon reviewing the claim resolution letter that was sent to me from Bank of America it states that there research included account history, monthly account statements, information from the merchant such as signed receipts or contracts and that they made theyre decision because I or someone authorized made the transaction which is 100 % false. There is no where they can show or provide any evidence that I authorized or signed any contract. Bank of America has now went to low that they are resulting to false research and are now saying that they have receipts or signed contracts from merchant. This could not be any further from the truth, because it never happened. I never signed anything from this merchant.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

NFCU changed their online service to my account and all customers ' accounts to mask over the total cash listed on the top of accounts to be accurate only on the first of each month, After the first they reflect in the cash amount at the top of statements a reflection of projected interest that is earned on CD 's this should be against the law if they want to reflect a projection on CD 's then that should be in the CD section only, The amount of cash in my account to include CD 's should not change except on the 1st of each month after all interest is paid on the Last day of the prior month. The problem they create is the balance should be an easy way for me and anyone else to see if any money has come out of my account if so, we could look quickly through our accounts to see if someone stole money or if the removal was due to a debit from an auto pay or use of a debit card ETC.. Under their current system that should be against the law my Cash balance changes nearly daily and can mask a theft and example would be if I look at my account today and the account went up XXXX dollars overnight I might overlook the fact that it really went up XXXX dollars and someone stole XXXX dollars their actions that would require me to look through every individual account daily for fraud is unconscionable, The cash total updated on the first should only change when money is actually removed or added not some hypothetical and bogus CD amount that is a total lie since closing a CD early would result in penalties and they are not part of the equation nor should they be just like the projected earnings should not show in my cash balance if they want to show a hypothetical CD balance then do so in the CD section and the CD section ONLY. NOT IN MY CASH BALANCE.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

I did a balance transfer of roughly {$6100.00} debt from my XXXX credit account to Citi bank around XXXX of XXXX. Citi bank sent a check to the wrong account and I know have been paying interest and payments on the same debt twice ever since. I have made multiple phone calls to both banks and they keep making promises but not calling me back or fixing anything. They have done multiple investigations but keep closing the investigation with the same results telling me heres evidence that the check was sent to XXXX which is irrelevant to the fact that it was sent to the wrong account. The account number is not even close to my account number and I feel basic security like verifying social security and birthday should be done in the first place before sending that much money to anyone. I have spoken with many managers and they keep telling me they will put notes in the system and escalate the issue but everytime I end up waiting about two weeks, calling back and have to start explaining it all over again. I feel at this point they will keep me running around forever without ever solving the issue. This money means nothing to those giant banks but it has been a horrible stress for me for months and I dont see why it is my responsibility to keep pushing and calling to have it fixed. Costumer service should have corrected this instantly there is no way that it is legal that I now have to pay the same debt twice for no reason at all and my money was sent somewhere completely random.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ive recently noticed a string of unauthorized purchase on my checking with Bank of America. When I noticed the charges, i contacted Bank of America swiftly to inform them of the fraudulent charges that were being charged on my account. It was a series of charges from a company called hard rock for various amounts, varying from all types of amounts dating back for months. Companies should not be able to steal from hard working Americans. Ive tried contacting the hard rock company and Ive received no help at all, so my next steps was to inform my banking institution of these fraudulent charges to which it seems like they are being of no help also. In this instance a pin was never used, I was never alerted of such transaction or anything. If I did not catch on to this unfortunate fraudulent disaster who knows how long it would have continued. Consumers should not be held liable for charges they did not commit. Ive included the multiple charges that were being charged on my account through a string of different dates.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Third request prior-to filing a federal lawsuit against the CFPB and the CRAs.

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a XXXX position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
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. (CT)

I am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS 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 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS 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 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've reached out to Transunion multiple times in 2024 regarding my online access. Transunion refuses to allow me access which continues to put hardship on me and my family as I'm not afforded the ability to monitor my credit report in real time nor am I afforded the ability to add and remove security freezes in real time. This resistance by Transunion causes irreparable financial hard to me and my family as I'm not afforded the ability to protect myself from inaccurate imfortmation nor am I'm afforded the ability to remove a freeze on the weekend to make purchases if needed. Instead I have to wait to business days and sit on long hold times just to do a task that takes a few minutes. I've lost out on so many opportunities by no simply having access to my online bureau.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TX)

I have been with Barclay credit card since XXXX, and my credit limit was initially {$50000.00}. However, in XX/XX/XXXX, they reduced my credit limit to {$5000.00} because I hadn't been using the card as much. I explained to them that I need this credit limit for potential hospital emergencies. 
Additionally, Barclay ran my credit multiple times over the past year, not just for a free credit line increase.

This reduction in my credit limit is negatively impacting my credit score. 
Is it legal for a credit card company to lower the credit limit when the account is in good standing?
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReportingAct.
Consumer complaint received 2024-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I am submitting this formal complaint against Flagstar Bank and XXXXXXXX XXXX XXXXXXXX XXXX concerning the mismanagement of my escrow account and failure to pay my homeowners insurance premium. This negligence resulted in the termination of my insurance coverage, ultimately causing substantial property damage and personal financial loss. 

Summary of Complaint : This complaint addresses the failure by Flagstar Bank and XXXX XXXX  to fulfill their obligations under the terms of my mortgage agreement by ensuring timely payment of the insurance premium from my escrow account. 

Background and Facts : Mortgage Transfer : My mortgage was serviced by Flagstar Bank until it was transferred/sold to RoundPoint Mortgage XXXX XX/XX/2024. 
I received Notice from Flagstar assuring me that : " This transfer will not affect the terms of your loan. It will be the same type of loan with the same terms and interest rate. If you have an escrow account with Flagstar, it will transfer to XXXX  XXXX XXXX XXXX, who will make your tax and insurance payments for you. '' ( see attachment ) Escrow Account Setup : As per my mortgage agreement, Flagstar Bank had established an escrow account to cover my homeowners insurance premiums, with the policy set to renew in XX/XX/2024 through XXXX XXXX. 
Failure to Pay Insurance Premium : Renewal notices and billing statements from XXXX XXXX were sent to Flagstar Bank, however, no action was taken by Flagstar to ensure these payments were processed or properly transitioned to XXXX XXXX  Upon transfer, XXXX XXXX  attempted to coordinate with XXXX XXXX but failed to make the necessary payment from my escrow account. 

Resulting Impact Due to the failure of Flagstar Bank and XXXX XXXX  to ensure the continuity of my insurance coverage : My homeowners insurance policy was terminated, leaving my property uninsured. 
Shortly after the termination of my policy, my property sustained water and sewage damage, resulting in significant personal expenses that would have been covered if the policy had remained active. 

Specific Damages : The mishandling of my escrow account has caused damages to my property, including but not limited to : Carpet damage due to water issues. 
Damage to household items due to sewage backup. 

These damages have resulted in substantial personal expenses that could have been avoided if the insurance premium had been paid on time.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Resources, Inc. (AZ)

I informed them that my online payment was made on their webpage with the routing and account number information requested when I set up for online payments. My sign in to their webpage shows the information on my loan so there should be no question about where the payment should be applied. My checking account shows the amount paid and I received an email that the payment was received. One month later I got an email telling me that the payment was overdue. 
When I called the individual I talked to told me that it was the banks error for not designating what the payment was for but if I would hold for 3 minutes he could easily fix the problem. 
So the money was out of my account and in their hands for one billing period. I dont that much about the law or accounting but it seems to me that this practice would accumulate a considerable amount of money for short periods. Is it some kind of float scheme? The other thing is that I was not able to make interest on the money and I missed the opportunity to shorten my mortgage term by prepaying the interest on the loan.
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

THIS IS MY FINAL WARNING PLEASE REFER TO UPLOAD. 


I OPT OUT OF THIS COMPANY REPORTING ON ANY OF MY CREDIT REPORTS. I want them to delete/ remove this account with all reporting agencies. 

Also listed as the following company XXXX XXXX XXXX XXXX credit report. I opt out of this company reporting as well. As it is the Mother/Sister company for XXXX at XXXX XXXX XXXX XXXX 


Also this account is reporting under XXXX XXXX, and my Name is Clearly XXXX XXXX XXXX. Attached you will find my Drivers License. To support my claim.