davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMO Bank, N.A. (IA)

As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (FL)

I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 4 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including Integrity Solution Services, XXXX and XXXX XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.
Consumer complaint received 2015-08-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you
Consumer complaint received 2023-08-13
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Our home was heavily damaged by Hurricane Michael XX/XX/XXXX. After lengthy battles with the insurance companies, we have finally received the funds needed to repair the home. However, we are required to send our check to Amerihome for disbursement. This is the second time we have had to do this, and once again it has become a circus of incompetence, inaccuracies, and misinformation regarding the process to receive OUR money. The check was sent to Amerihome XX/XX/XXXX. It is now XX/XX/XXXX and we still don't have all the money released to us for repairs. 
1 ) We are required to call about every three days for instructions or updates. Every call results in a different answer, different process, different requirements. How is everyone not on the same page. This is a tremendous waste of our time. 
2 ) We have submitted lien wavers, contracts, and receipts. we have been told they're incorrect, not needed, or we need a different form??? Which is it? 
3 ) As stated, we went through his with the first round of checks. Now the process is different per Amerihome, even though it is the exact set of circumstances as before.

4 ) They advise to log in to account to check status of checks. However we were told that's not possible, we have to call every time we want info. And every call results in a different answer.

5 ) We have been told disbursements would be made in X, Y, and Z amounts. This amount changes every time. We were told submit receipts and get reimbursed. Submit contract and they would send money to the contractor. Finally today they said only about 1/3 of the money would be sent, and after work is 100 % done, final payment would be made. How are we supposed to fix house to 100 % without 100 % of the money?

Again, after over a month of back and forth with no consistency in the process, we are still waiting for our money to fix the house. And it's even scarier to know this same company manages our mortgage. We just want our money now and we want our house repaired without having to deal with such XXXX. It's been almost 2 years since the storm and I don't need Amerihome dragging this out any longer.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.
Consumer complaint received 2015-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I received XXXX returned check notices from my bank. Both notices were for large amounts of cash to be paid to a mortgage company that is not my lender. 
Date Amount check no action taken fee chargedXX/XX/2015 {$3000.00} XXXX Returned $ XXXXXX/XX/2015 {$3000.00} XXXX Returned $ XXXXThe company trying to access the funds was Freedom Mortgage Company which is not my Mortgage Co ( Lender ) I contacted them and they denied trying to access money from my account. The bank gave me their name. I spoke with a XXXX at XXXX. I contacted my Mortgage lender to see if my account had been transferred to Freedom Mortgage and they said it had not been transferred. I do n't know how they got my banking information and the amount they were trying to access is double of what I pay to my mortgage company. The name of my mortgage company is XXXX at XXXX.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX credit reporting agency 's or fax and the other main XXXX have my credit for only two or three years. That 's a lie! My XXXX XXXX card alone I have had for 40 years this makes my reporting on the time of credit shows only two or three years a lie! Both XXXX and Trans Union show my age of credit as two or three years! I want this changed! XXXX agency shows XXXX hard credit inquiries and the other shows only XXXX. I have not allowed XXXX companies to do a hard credit report on me, so if they are there it is False filing!
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

Re : Wells Fargo checking account. 
They took a check that cleared from XX/XX/XXXX and processed it again. Those funds were taken out of my account on XX/XX/XXXX. After several calls and a threat to take this matter further with you, I gave them until today to put the money back into my account. The did put the money back into my account today ... but ... they were not able to or willing to explain how this happened. 
I would like you to investigate how this happened. 
I will include copies of the check and my current statement. 
Thank you.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default. 

Penfed refused to take payment for my mortgage because I was late with my vehicle loan!!!
Consumer complaint received 2015-06-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AL)

National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.
Consumer complaint received 2016-07-23
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 XXXXXXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-13
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. (IL)

I am asking for your help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with my family.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$840.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$3100.00} XX/XX/XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BMO Bank, N.A. (WI)

The credit card company claims that I owe them money, but I traced every charge transaction to a payment. I called them to go line by line to show them that they were paid, but the company has refused to help me all three times I 've called. They keep transferring me to different people or departments, and no one can help. They keep repeating the same formula for how the amount is calculated, but they do not seem to be interested in me telling them that the calculation does not line up with the activity. They do not seem to want to recalculate the charges versus the payment to see my side of things, but instead keep referring me to different departments or people. I 've called three times already and now have to call again. I would like them to listen to side and follow the charges versus the payments as I have done. Also, I 've tracked the payments and show that I 've over paid on a few items and the balance should actually be a credit balance, and in fact they owe me money instead of me owing them money.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (WV)

I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt