davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

XX/XX/ - Rocket Mortgage, claimed that my HO insurance had a lapse XXXX XXXX XXXX. I called multiple times to get this resolve because you wanted to raise the monthly mortgage payment by adding your own insurance. It literally took about a week before I was able to speak to someone. It took a month to resolve this issue. 
XX/XX/ - Now you're raising the monthly payment to {$1100.00} effective XX/XX/. 
I called XXXX XXXX. I could not get anyone on the line. I tried 4 times. I then called XXXX. I was transferred to the XXXX XXXX XXXX. I spoke with a representative for XXXX minutes and she could not explain why you are attempting to raise my monthly mortgage. I have never been late. I paid all the escrow at the time of closing. There has been no issue with the HO or Flood insurance. Now she said I owe {$150.00}. If I pay that before the end of this month, my mortgage will be only {$1100.00} .... I told her that should not be because I paid everything. She said it is probably due the the insurance issue that cause the escrow analysis to show a change in the mortgage. I requested this error to be corrected. Then she HUNG UP. This is ridiculous. XXXX has tried to raise the mortgage every month since I closed. 
Before I closed the loan EVERYONE was available, kind and very professional. Now NO ONE will assist me. I have taken my account from autopay and now I have to incur and expense for legal representation. This is simply horrible.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (TX)

XX/XX/XXXX I tried to contact US Bank to obtain bank statements for all of my closed accounts due to a pending divorce. After being on the phone for over 2 hours and after being transferred numerous times, I was told they only had record of one of my accounts ( I believe I had 8 accounts ). I was able to give them the account numbers for other accounts but they claimed they did not have any records. My savings and checking accounts were listed on the one account the bank was able to find, yet they still claimed they had no record of the account. I closed the accounts in XXXX and need documentation in the form of statements.
Consumer complaint received 2021-08-04
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. (MO)

XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2019-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XX/XX/XXXX : Applied for REPAYE. Informed Fed Loans that the recalculated amount for the year ( {$600.00} ) was not the lowest possible. Submitted IDR ( Income Driven Repayment ) request on XX/XX/XXXX. 
XX/XX/2019- Got forbearance for the month, as my REPAYE application was under processing. 
XX/XX/2019 : Received email stating the payment for XX/XX/2019 would be {$2900.00} XX/XX/2019 : Received another email confirming new REPAYE amount- a new monthly payment of {$420.00} which is first due on XX/XX/XXXX. 
Called on XX/XX/2019 : Called to clarify that the amount due mentioned in one email ( on XX/XX/XXXX, {$2900.00} ) was incorrect and wanted to make sure my new payment amount ( {$420.00} ) was reflected. The FedLoans customer service agent stated that I could pay {$5.00} for the month of XXXX  because  they did not use the direct deposit on file to withdraw the due amount. They then confirmed for XXXX the updated REPAYE amount ( {$420.00} ) would be processed, not the higher amount stated online in the account due to forbearance on the account. She assured me that it would be updated to reflect the correct amount by the time the bill was due on XX/XX/XXXX, and wouldnt withdraw {$2900.00}. 
XX/XX/2019 : Fedloans withdrew {$2900.00} from my account using direct debit. This was done even after I spoke to Fedloans customer service on XX/XX/XXXX, where they stated that this would not happen and the {$5.00} would trigger the forbearance for XXXX.

XX/XX/2019 : The payment of {$390.00} ( this is the original a
mount before recalculation for the year. I am not clear why this figure was brought up again ) was confirmed but FedLoans didnt suspend the larger amount since I am on auto debit draft ( they made the mistake of keeping the auto drafting function on and didnt submit the forbearance ). I asked to speak with the manager and she said she could escalate and expediate the refund of {$2900.00} but it could take up to 10 days. The mistake was on their end and they should have suspended the XXXX withdrawal and placed a forbearance on the account for XXXX. 
XX/XX/2019 : Called Fedloans because the online portal stated I was past due and the amount owed was now {$3300.00}. The Fedloans customer service agent stated that this because a refund will be issued and it also includes the {$420.00} due in XXXX. The refund request was not processed until XX/XX/XXXX and I may receive the refund sometime this week. However, I received an email about a forbearance approval for XXXX ( email received later in XXXX ) but it was not reflected in the account when I called on XX/XX/XXXX and still showed that I was delinquent on the payment. I was told that I should turn off direct debit withdrawal because they could possibly make the same mistake and withdraw {$3300.00} in XXXX.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AL)

Rent Recovery Solutions, LLC. is reporting an alleged debt on my credit report since XX/XX/2017. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (LA)

Attached you find a Validity of Debt Letter that questions just how this account is even being reported to my account not to mention the discrepancies and inaccurate reporting. Who verifed this account? I'll answer no one verified the account as it states on my attached consumer report!! I demand this account XXXX XXXX XXXX XXXX. be removed from my consumer report!
Consumer complaint received 2023-04-11
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: Colony Brands, Inc. (ID)

Montgomery Wards is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Montgomery Wards to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

XX/XX/2021, i sent CREDIT COLLECTION SERVICES, XXXX to rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$50.00} paid to you in error.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (CO)

A new checking account was opened in my name on XX/XX/21 with Huntington Bank. I was alerted because an account creation email, online banking confirmation email, two email address change and two phone number change emails were sent to my personal email address on XX/XX/21. I reached out to Huntington Bank on XX/XX/21 and they confirmed a new account was opened but would not tell me what email address or phone number was listed on the account. They closed the account.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

EXPERIAN failed to comply with 15 U.S.C. 1681b ; the company is STILL refusing to remove ALL requested items of inaccurate information from my consumer report over the phone.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX have violated my rights. 
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 2019-12-12
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (MI)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was contacted by Bank of America on XX/XX/2023 notifying me that my check was altered and fraud. I confirmed with Bank of America that day. This was a rent check that was supposed to be for my landlord through XXXX XXXX.I wrote this check on XXXX XXXX 2023 for XXXX. I processed the paperwork through XXXX and got the Affidavit of the altered check notarized on XXXX XXXX 2023. All claim documents were recieved by XXXX on XX/XX/2023. Bank of America has not been providing any communication to myself or XXXX when it comes to the funds needing to be transferred. This is an extremely important check as it was for my rent.I have reached out to both XXXX and Bank of America in which XXXX is reporting that they have been reaching out to BOA every 2 weeks to confirm that this amount can sent back into my account. This is coming up on 4 months on no updated information.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (NC)

On XXXX, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXXThe purchase price was {$14000.00} in XXXX, NC. I went ahead and put down $ XXXX.My credit score is over XXXXIncluding the warranties that I signed for, the amount to be financed for $ XXXXWhen I realized that, I went to my bank to refinance the loan.XXXX XXXX XXXX sent a check of {$10000.00} to Bridgescrest the finance company that they would not apply to my account until I paid them th entire amount financed. 
On XXXX I paid {$1000.00} to Bridgescrest. I was told today that I needed to pay {$7000.00} to apply the XXXX XXXX XXXX check to my account to close it.I made the payment but believe that I was greatly overcharged.Bridgescrest had a 16.553 % interest rate and XXXX XXXX XXXX was offering 2.84 % rate.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. XXXX, XXXX XXXX and Experian. I submitted the Annual Credit Report request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt  collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Consumer complaint received 2023-04-11
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I, the consumer and natural person, entered in a consumer credit transaction with Capital One Bank. 15 USC 1692e refers to false or misleading representations. Capital One Bank has used false representation of a. the character, amount, or legal status of any debt, and b. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the debt being in the positive balance is false representation of the amount of the debt. If it is a debt ad it its owed, it should be shown in the negative.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I received a billing statement through the USPS from WELLS FARGO BANK in XXXX for a total of {$420.00}. I noticed violations under the FDCPA and sent them an Affidavit of Truth on XX/XX/21 to enforce my consumer rights and invoke my specified remedy by way of certified mail Article # XXXX which they received on XX/XX/21. They refused to rebut my Affidavit point for point. Instead they sent me a Record of Application Information and stated they decline my remedy.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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