davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted. 

I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue. 

I can not wait for the day until my mortgage is sold again away from this terrible company.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (MA)

I've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate. 
By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Never missed a payment, nor have any payments been " late ''. Yet each month Everhome Mortgage calls from an unknown number usually after normal business hours and requests a call back because they have " important information regarding your account ''. However, you can only call the number during normal business hours on the XXXX XXXX ( I live on the XXXX XXXX ). When you do reach a representative, they start with " this call will be monitored for training and security, yada yada ''. Next the representative asks whether you live in the home, whether you plan on moving, are you have financial difficulties, do you have anyone else living at the home, etc. The questions continue until they finally ask, " when will your payment be sent? '' and " why has n't it been sent already? ". Again, I am not behind on payments, never have been and send payment around the same time each and every month. When I remind the caller of this, they say " well it 's due on the XXXX ''. I say I am aware of that and want to know why I am being treated like a delinquent. They reply " because you are not set up on automatic payments ''. When I agree to set up automatic payments they say that there will be a {$10.00} fee if the payment is not processed on the XXXX of the month. Of course, I reply with " you 've got to be kidding, I am not paying a penny more than what is due '' and tell them a check is in the mail then hang up. Because of the frequency and regularity of these calls, I feel harassed by Everhome Mortgage and it 's extremely distressing when they call. Today they called while I was at work and I repeatedly asked what was the reason for the call ( because I am at work! ) the caller said he would get to that after he said his speech about the call being recorded. I told him he has XXXX seconds or I am hanging up. He then said that he was calling about the XXXX XXXX payment and before I could say anything, he says " which was received today, please disregard this call '' and goes into another speech about customer service so I just hung up the phone. Thank you Everhome for yet another harassing phone call that caused me undue stress and embarrassment in front of my co-workers.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (NC)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX  Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$860.00} XX/XX/XXXX Experian : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6200.00} XX/XX/XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Bank USA has listed XXXX negative remarks on my credit report on XXXX supposedly separate credit cards showing 5 or more missed payments. All XXXX are showing closed from 2011. Capital One Bank USA continue to update this on my report to extend the time to stay on my report. This is a violation under the ( FCRA ) And under the Consumer Protection Act in the State of North Carolina. 

This negative information being reported has caused me to suffer on the condition of thousands of extra dollars in interest on several loans. I have also suffered stress and undue hardship concerning this matter. 

Capital One Bank USA has being sued in the past for such violations under Federal and State Laws, but this does n't seem to prevent them from further violations against Consumers of the United States. Capital One Bank USA pays the Credit Reporting Bureaus to use there reporting servers to violate laws online electronically. 

It 's possible they violating laws listed under ( RICO ) I ask the CFPB to investigate and demand Capital One Bank USA to stop any illegal practices and to abide by the laws on the books for such, also remove such negative information, refund me monies owed for damages that pertains extra interest I am being charged due to the negative information that they upgrade on a regular basis for the purpose of causing further stress and undue hardship.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc. (MN)

My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. 2 months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last 10 years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX XXXX XXXX XXXX XXXX. 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CONTOUR MORTGAGE CORPORATION (NY)

Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs. 
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

I received a notice from AmSher to collect {$450.00} on behalf of XXXX. They wrote they would settle the debt for {$270.00}. I called to explain the situation and inquire how the settlement amount had come about. the issue was escalated to the supervisor who in turn was unable to explain how they came up with {$270.00}. I explained that XXXX XXXX XXXX had reimbursed me only {$190.00} for the phone that XXXX wanted to charge me {$450.00} for and I was gladly refunding that money to XXXX or Amsher on their behalf. The supervisor ( XXXX ) was extremely adamant and recalcitrant that he was right and was n't listening to my argument. I even offered to show proof and evidence. I also mentioned the reason I was unable to collect the rest of the money from XXXX XXXX XXXX was because XXXX had not given me the rest of the documentation I needed on time.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit account with Capital One has been restricted for some time, meaning I do n't have any available credit with them because I was late with a couple of payments at one point. Since then I have paid on time every month. I got my balance to {$170.00} as of XX/XX/XXXX. I received a bill statement yesterday showing they added a XXXX member fee. I contacted Capital One asked if they can waive the XXXX member fee as a courtesy, since I been paying them and have a restricted account with them. Again I 'm not able to use their credit card. I spoke with a customer service rep then a supervisor with the name XXXX. Supervisor XXXX said nothing she can do about it, I explained to XXXX that I called them last month explaining to them that I 'm currently unemployed and receiving unemployment from the state of California. Advice XXXX that I been paying them every month but that XXXX member fee is too much for me since I 'm on unemployment and have a restricted account. I explained to XXXX that if I had a active account with them I would understand the XXXX member fee. XXXX responded by stating that there is nothing she can do or anybody else. I asked for XXXX last name, she refused said they do n't give their last name. I asked if that is company policy, XXXX said yes. I advice XXXX that will be filing complaint, she said okay and ended call. Conversation took place on XX/XX/XXXX, at XXXX
Consumer complaint received 2023-07-05
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: SYNCHRONY FINANCIAL (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-09-29
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I will attach information that is detailed, but on XX/XX/year> I called Wells Fargo Bank 's XXXX number and asked for the fraud department. Unknown to me the call was captured and routed to scammers. I never knew I was not speaking to a WF Banker! I followed their instructions and lost {$25000.00}. When I went into a branch, the manager nor the teller asked any questions as to why I was withdrawing funds that were not standard for my normal transactions. If they had followed guidelines and questioned me, I would have realized I was in the beginning of a highly sophisticated scam. Wells Fargo has refused to refund my money stolen because they can not see where I ever called the XXXX number. That is one of the shocking things about this scam. When the call was captured by the scammers, all traces on the bank side and on my phone were erased, so the proof is gone ... along with my money. 
This has been reported to the police and FBI.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

I have been going around in a circle concerning my mortgage with Caliber Home Loans.When my loan was transferred to Caliber from Vericrest Laon Servicing but Caliber would not honor the Loan modification that I had with then previous servicer. I make payments each month but they they say I do n't have a loan modification. So what do I have that i am paying each month? According to what the letter said on theb transfer everything concerning my loan would stay the same. That was not the case with Caliber. Caliber Home loans sent men final Loan Modification Documents 4 times I had them notorized and sent them. TheyXXXX claimed that New York was not able to record the final documents why? 
Caliber Home Loans will not work with me and now I have received a letter from an attorney. I pay Caliber every month. 
Please Help!