davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (UT)

From the first month our mortgage was bought by Town Mortgage we have had multiple issues. Those include : taking off of auto pay without knowledge, if you go to make a payment it takes days, when you call the phone hangs up, or you will be on hold for hours. I have sat on the phone with my wife to witness that we are the phone for 2 hours plus attempting to pay. They will transfer to the department and the call drops. I have also received no correspondence via mail or email. They will call at times and leave no voicemail. This is an impossible company to even talk too. My biggest issue is 2 major fraud issues. I have written documentation of both of them. The first was in XXXX of 2018. I had noticed the payment was sent back to me. When I called them Town Mortgage stated that I requested the return. When I called and stated that I did no such thing. Town Mortgage then stated that " It was actually your Credit Union sent us a letter to return payment. '' I contacted my credit union and they also stated no such thing. I asked them to do an investigation into the account which they sent an official and notarized form that no such thing had occurred. Town Mortgage stated they had the form from my bank, and sent it to me. I sent that to the bank and they stated that is not a form they have ever used, and the form was clearly made on XXXX with no letter head, no explanation and is clearly false and my bank verified it was false. This is a common practice with town mortgage. At the time I had the bank check, Town Mortgage had stated this has happened 4 times. My bank verified with their investigations department there was not one time. 

The other form of fraud was that also in 2018 they refused to pay the escrow amount that is supposed to cover taxes and home insurance. It was built into the loan and to this day they refuse to tell me what happened to this money. I had to pay additional taxes and home insurance. I had my insurance broker attempt to contact them about this money and escrow policy. They also refused to talk to him or explain where the money is. I also have a certified letter from the broker stating in 30 years he has never seen this, or dealt with a company that was very easily hiding money or altering a federal loan, and refused to communicate with. So they take escrow money refuse to talk about it, and they send payments back and falsify your own bank documents to try to get you to pay late fees. This type of practice needs to be investigated on a large scale. i was also contacted by an employee via email that stated everything that has happened is true.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OH)

Multiple calls/messages left on house phone number not cell phone. 

Finally returned phone call on XX/XX/XXXX out of fear for damage to my credit and identity/ reputation. 
Called a second time and debt amount on supposed account was different than before. 

Talked to XXXX ( foreign accent ) Asked to speak to manager or supervisor kept talking instead. 
Claimed I have debt over {$2000.00} went into collections XX/XX/XXXX Account number : XXXX and XXXX, from a supposed rental property ( which I have NEVER ever lived or rented from anywhere. 
Collection case since : XXXX, XXXX, XX/XX/XXXX through present. 
Continues to call home phone and leave messages about debt collection. 
XXXX has not shown or notified me of any damaged credit so far. 
Hunter Warfield or XXXX, or XXXX XXXX XXXX XXXX AL XXXX Copy affidavit Email/fax : XXXX  XXXX? 
I did contact the police department. 
I was told by policeman Named XXXX, that I dont have to file a report and that he would take care of it using the information above that I handed to him. 
He called and contacted the agency. 
He said there are scams going on that get the FBI involved and told me never give them my ssn or any other personal information.
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2020 Capital One generated a charge on my account without my authorization. For the amount {$95.00} Capital One member fee. This account is currently Restricted, therefore we have requested to closed the account and reversed any on unauthorized chargers. 
As my last conversation with Capital One, the manager wont reversed or closed the account.
Consumer complaint received 2020-11-23
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: AMERICAN EXPRESS COMPANY (NJ)

Hello On XX/XX/2020 i applied to the workers XX/XX/XXXX XXXX XXXX XXXX to consolidated some of my credit cards. XXXX granted me the loan and send the checks via US Mail. On XX/XX/XXXX I went to the post office in XXXX XX/XX/XXXX and send the check to American Express to this address : American express XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I let a few days pass and I went to check online if American express had received the payment {$1300.00} and I see that nothing had been credited to my account. I called American express and they told me that they have no received the payment, I called XXXX and they told me that American express cash the check on XX/XX/XXXX and XXXX send me via email a copy of the check. 
I contacted American express and send a copy of the check via email through my account and they open a dispute. 
American express never send to me a letter explaining about what they found or what the conclusion was. 
American express only put online that I owe the same amount of money and that I have to pay {$110.00} by XX/XX/XXXX. 
XX/XX/XXXX between XXXX to XXXX I called American express and the representative ( XXXX ) told me that they never received the check and that I owe the amount of {$1300.00} I need Help Please
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (FL)

I traded in my car and purchased a new car a week before all of the lockdowns started in XXXX. I was current on my other car loan prior to trading it in and was not late on any payments. I have been having issues paying my loan which is substantially bigger than my prior loan due to the pandemic. They deferred my loan 3 months but am now behind almost on 2. The loan is with Ford credit. They had a promotional a week after I bought my vehicle to defer financing for 6 months due to the pandemic but would not grant me this reprieve. I have been struggling ti find steady employment since XXXX due to the virus and am not risking losing my car. I tried to return the car once the pandemic hit abs get my other one back but they would not let me. They have also denied requests ti decrease my monthly payments fir the time being or grant me any months off.
Consumer complaint received 2020-11-23
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. (CA)

I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX  or Transunion does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-11-23
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)

XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute Both XXXX  and XXXX complied with FTC and blocked fraudulent items previously erroneously confirmed as validated by creditors. Experian states that it is their new internal policy to ignore disputes once a company has validated a fraudulent account one time. They refuse to reinvestigate and cancel all disputes submitted without permission. I have uploaded my latest FTC report and letter which was submitted to them XX/XX/XXXX. The law requires that they block the accounts listed as there is no reasonable assessment that would allow the fraudulent items to remain when they were all blocked for the second time by both XXXX  and XXXX. Experian received the same documents in the dispute letter I wrote to them as it credit bureau counterparts.
Consumer complaint received 2020-11-23
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: NCB Management Services Inc. (FL)

On XXXX XXXX, 2020, NCB MANAGEMENT SERVI add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVI has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

since 2017 I've been reporting to wellsfargo and the credit bureaus about a credit card that was open fraudulently under my name and wellsfargo and XXXX refuses to remove it and I've reported it to the police already
Consumer complaint received 2020-11-23
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. (NY)

for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and Equifax is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX  is reporting a payment status of Unknown and not reporting any late payments, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, XXXX  is not reporting this account Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Equifax is not reporting this account, XXXX XXXX  Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance and Equifax is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX  and Equifax are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-11-23
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 (IL)

I have tried to contact the bank of America and no one has gotten back with me and they said I have to pay them it is not fair having identity Theft. My Case number is XXXX and do not think I should pay for this since they have insurance against Fraud and this was not my fault. They said it was..
Consumer complaint received 2020-11-23
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. (PA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

On XX/XX/2020, I discovered that my employer had over contributed to my XXXX account. 
The consumer interface on XXXX  XXXX  's website alerts a user to the fact of over-contribution but does not provide any means for requesting a distribution of excess funds. 

On XX/XX/2020 I sent an email from an icloud account to XXXX, which is listed on the XXXX website as a method for contacting the Bank, requesting simply " what form do I use for an excess contribution? '' I received no response. 

On XX/XX/2020, I sent a follow up email from the email account associated with my XXXX XXXX  account, again requesting, " what form do I use to request for a taxable distribution? '' I again received no response. 

On or about XX/XX/2020, I called XXXX  XXXX  's customer service helpline and requested the form for a taxable distribution of excess funds. In response, XXXX  XXXX  emailed me the form for distribution for eligible expenses -- the wrong form. 

On or about XX/XX/2020, I found a form entitled " taxable distribution request '' on XXXX  XXXX  's website using XXXX, filled it out for the two tax years I needed taxable distributions, and emailed it to " XXXX. '' I received a confirmation email indicating that XXXX  XXXX  would process it. 

On or about XX/XX/2020, I received two letters from XXXX  XXXX  enclosing my rejected excess distribution forms and a letter indicating that the form had been revised and I would need to resubmit the request for taxable distributions using the new forms. The letters contained envelopes. I filled out the new forms and mailed them to the addresses on the letter from XXXX in XXXX. 

As of today, XX/XX/2020, XXXX  XXXX  has not processed those taxable distribution forms nor sent any response regarding the requests for taxable distributions. 

XXXX XXXX  has failed to allow me, a consumer, to withdraw more than {$3000.00} of deposits for over a month, and does not provide any mechanism on its website, mail, or customer service line to withdraw those deposits. I am recounting these facts to the OCC and CFPB in the hope that they cause XXXX  XXXX to change its business practices to allow consumers to withdraw excess contributions, which can subject their depositors to IRS tax penalties if not withdrawn by the end of the tax year.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-11-23
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: CITIBANK, N.A. (IN)

I Filed a charge dispute and then tried to modify the amount. Was not told that the dispute would be closed and that the bank could not reopen it. I have spoke with the CITI bank several times and they said it was a problem with Master Card not them. I then called Master Card and they have ignorant people that work for them. Tells me that the bank is the one that places the dispute and to stay on the line. So after holding the bank gets on the call and I tell the lady from Master Card to stay on the line and see leaves. Master Card prevents the banks from reopening the dispute and ties the hands of the bank, This complaint is against Mastercard not CITI