davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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. (FL)

On XX/XX/XXXX of this year, I contacted Equifax concerning the illegal tactics that XXXX XXXX was using to attempt to collect money I have no knowledge I owe. The account number of the XXXX XXXX isXXXX. I requested that XXXX XXXX send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that XXXX XXXX is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from XXXX XXXX that it has reversed itself. 

XXXX XXXX can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have recently been informed that there is negative information reported by XXXX in the file Equifax maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for a closed unpaid medical collection account ( account # XXXX ), opened XX/XX/17 in the amount of {$73.00}. 

My address should read : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
TAKE OFF XXXX XXXX IN MY ADDRESS. I DO NOT LIVE IN AN APARTMENT
Consumer complaint received 2018-05-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point.

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX
Consumer complaint received 2018-05-31
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. (NY)

I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point.

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

XXXX is our mortgage company. We realized that a 2nd hazard insurance was added to our policy without our authorization and we had been over charged {$200.00} for the last 2 months to apply to this 2nd insurance. After several calls the company finally removed the 2nd insurance but they are still overcharging us on our monthly payment and will not reimburse us for the overcharge the last two months. I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX, and had correspondence by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have told the company that this is looking fraudulent on their end and that I would contact federal regulators but they did not respond with action on the issue.
Consumer complaint received 2018-05-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank (FL)

Synovus Bank XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX The bank put a {$760000.00} mortgage on property that I own without my knowledge. I never signed any documents to grant them permission to place a mortgage on my property. The property address is XXXX XXXX XXXX XXXX Florida XXXX. The loan is in XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have all of the supporting documents and can forward when needed. You can view the XXXX XXXX Florida Property Appraisers Office ( XXXXt ) owner XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

XX/XX/20 thru XX/XX/20 and on XX/XX/20 they have been over {$4000.00} worth of charges been made to my account and I've disputed with my bank and they haven't done anything about it and I feel like I'm just being XXXX  out of my money and something needs to be done. The bank is State Employees Credit Union of North Carolina
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-05-31
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: NAVY FEDERAL CREDIT UNION (PA)

In XX/XX/2017 I contacted Navy Federal Credit Union via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Consumer complaint received 2018-05-31
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. (OR)

I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I called rpm services willing to pay a debt. Its debt I have no recollection of. I told them Im more than willing to pay the full amount as long as its removed from credit. Im in the middle of purchasing a home. They refused to have it removed. They claimed to have called me over 25 times. I never received any phone calls from them. I had to find out about this collection thru a credit check. I had been trying to get a hold of them about the issue for a whole week. Phone number is XXXX ( XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Have an ONLY filed bankruptcy from 2013 on report sent in letter from Wisconsin Federal court as instructed and TransUnion still refuse to remove it from file after numerous attempts with NO validation or verification.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

Last year around XX/XX/2017, l received a letter stating that my mortgage was being transferred to another company and that my payments would not change. My payments were XXXX per month with taxes escrow included. This company claims l owe XXXX more in escow and that l had to set up payments. I do not owe XXXX dollars in escrow. Now my payment are XXXX per month. My taxes are less than 4000 per year. I am being ripped off by this company. Also, l have a second mortgage that was transferred to the same company that was a home equity account with payments of less than 200.00 per month and now l am paying XXXX dollars per month and they are trying to make me pay escrow of {$380.00} per month on this account that was never escowed. Please help me with this company because they are trying to make me unable to keep up payments on my home. I was told by my account manager that it would be taken care of but nothing has changed.
Consumer complaint received 2017-11-20
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. (NY)

There are 4 XXXX XXXX accounts which is listed as # XXXX # XXXX # XXXX # XXXX and it says on it Authorized user I was asking them several times to delete these accounts with no success
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018
Consumer complaint received 2018-07-22
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: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This makes the 4th time I have tried to get fraudulent information removed from my credit report. I have been victim of identity theft. Equifax refuses to remove the information from my credit report. Instead, they continue to give me the run around, instead of removing the information, they are requesting information regarding my address. I have provided them with this information several times. This is a stall tactic ; I have recently faxed over the requested documents, again. I want the fraudulent information, removed from my credit report and a fraud alert placed on my credit file. However Equifax, despite providing them with police reports and supporting documentation, refuses to remove the accounts, and refuses to place the alert on my credit file. Something that I had little to no problem getting accomplished with XXXX and XXXX.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, we called BOA to request a loan modification, we did the financials. Up until this time we had been paying BOA WEEKLY payments, at the current time there was {$290.00} is our Unapplied funds. There was an {$600.00} payment in process that we could not stop. On XX/XX/XXXX, we received notice that we have been accepted and forwarded the modification info, we were required to pay Three Trial Payments on or before XX/XX/2018 {$2200.00} XX/XX/2018 {$2200.00} XX/XX/2018 {$2200.00} On XX/XX/2018 we called in and spoke to a BOA Rep, who we explained that we had money in unapplied funds and we were making an additional payment of {$1300.00} when added to the {$890.00} in unapplied funds would equal the XXXX TRIAL payment. 
It was later found out that BOA did not accept that payment as of 1st trial payment! 
We were told that a few different things. 
Pay the {$890.00} again Pay the whole amount again because the payment was not made in ONE payment, we have also been told on one of the many phone calls all initiated by us, that they aren't accepting because they cant use any money that was in unapplied funds. I explained that would have been nice had someone told us that. We explained we were told that we must pay the exact amount which is we cancelled the weekly payments. 
We have spoken to REP 's from BOA that said they would take care of this for us, that they could not help us, that if we paid another payment .... all things that we cant do. We made the next payment on XX/XX/XXXX for the XX/XX/XXXX payment. BOA has now applied that towards the XX/XX/XXXX payment. As of today, XX/XX/2018 we have {$2200.00} sitting unapplied funds. We have spoken to numerous people all with the same answer ... they wont take that money and apply as a payment. 
They keep saying that if we pay before the end of the month..ie ( XX/XX/XXXX will be XX/XX/XXXX trial payment and XX/XX/XXXX will be XX/XX/XXXX trial payment and the modification will be approved ), they will take what's in unapplied funds and apply it towards the balance, we have explained that does not help us we need it a either a trial payment or XX/XX/XXXX mortgage payment, because if not they are setting us to fail, because we will starting off not being able to pay XX/XX/XXXX mortgage till the end of the month. 
We have spent numerous hours on hold, on the phone talking, or waiting for responses. 
I don't understand how a company can do this. Every way we offer a way to resolve this they deny it. I have asked to hear the phone tapes of the conversations between myself and BOA Rep 's on XX/XX/XXXX and XX/XX/XXXX when I called about the payments and I am told I can't. Most have admitted that the BOA Rep, should have told me that paying the {$1300.00} would not be added to the unapplied funds for the 1st trial payment but he didn't, so I ask how can they use that against me?
Consumer complaint received 2017-11-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (WA)

they served me what appeared to be court documents, but there was no case file. They were UNFILED court docs, but the letter with them said M & J had filed a lawsuit when, in fact, they had not. They were trying to scare me into signing an agreement. illegal service of fake papers is intimidation and I have a protection against such practices and my right have been violated by such practices. It was taken as a scare tactic by me but I went to Respond to the summons and low and behold there was no case. This was in XX/XX/XXXX.
Fast forward to XX/XX/XXXX and I am being made aware of a levy put on my accounts from this company for {$8000.00}. They apparently filed the lawsuit after It was made clear that I wasnt going to be bullied, with the papers they faked me out with. They filed for an order of default judgment because of the appearance of no response, and then There was a default judgment made against me. I was not given a court date So I was not given the the proper means to fight these accusations being made against me because of the use of dirty tactics with this company
Consumer complaint received 2017-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE COLLECTION ACCOUNT IS NOT MINES AND HAS BEEN DELETED BEFORE. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX THE ACCOUNT BELOW IS NOT MINES AND IS MORE THAN 7 YEARS OLD. 

XXXX XXXX {$3000.00} In Collections/Charge-off THIS ACCOUNT BELOW I HAVE A XXXX. 

XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed
Consumer complaint received 2018-07-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I signed up for an account with Citi ... the rep I spoke with, XXXX XXXX, had issues with her computer system right as we were about to complete the 2 hour enrollment process. She then transferred me to another rep named XXXX to finish the enrollment. XXXX messed up the enrollment somehow signing me up for accounts that I had not spoken about and a different promotion altogether. She also messed up the funding of the account as well by duplicating the initial transaction to fund the account. This resulted in {$5000.00} being unaccounted for and a fee being assessed to my account. This apparently happened because the same exact check number was used twice. I called back in after several days and as luck would have it I re-connected with XXXX XXXX. XXXX assured me she would help to fix the issues. She would apply the correct promotion and convert the accounts to match the promotion. After another hour or two we disconnected with a plan to fix the issues. She did call me back as originally planned and instructed me to take the funds out of my recently converted account ( this way it could be properly funded per the promotion guidelines ). We ended that call with a commitment to reconnect in the first week of XXXX to properly fund the accounts. Unfortunately XXXX never called me and now the time frame to fund the accounts for the promotion has passed. I called again today and spoke with two people, one I can not recall and the other was a supervisor named XXXX who eventually hung up on me after I asked for his last name or initial. Needless to say he was not be able to rectify the situation. Their response was I had two options, close the accounts and try again in about 6 months ( 180 days ) or to fund the accounts per the promo and submit a dispute after the promotion time frame had ended and hope to get the promotional money.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 I received an alert from XXXX XXXX that my date of birth was changed in my Bank of America accounts. I called Bank of America and they said it wasnt possible. I told them to check anyway and sure enough my date of birth had been changed. They said they did not know how that happened.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase, our mortgage lender, raised our mortgage payment from {$2500.00} to {$2900.00}. They claimed that we need to pay more property taxes and have an escrow cushion of {$1500.00}. 

Thus, Chase has raised our mortgage payment by about {$500.00} per month. This is too much. My wife is sick and can not pay more. I am a XXXX but don't make a lot of money. 

We believed that a mortgage payment -- a fixed mortgage -- should stay the same. We can pay our original mortgage payment of {$2500.00} without trouble. But now, someone made a mistake by not setting up the escrow accounts correctly -- and now we have to pay, literally and figuratively. 

Someone else needs to pay the difference. We did not make a mistake. And raising our mortgage by {$500.00} a month is an unfair burden on us.