davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (FL)

Let me once again outline what action needs to be taken. Since you have not validated the above referenced tradeline within the given timeframe, you are to immediately delete this incorrect account, in the form of a Universal Data Form, from files with the three major credit bureaus ( XXXX, Experian, and XXXX  ), and fax proof of the deletion to me immediately! 

Furthermore, since you are unable to validate this tradeline, it is lawfully assumed that you are unable to verify this account with the credit reporting agencies as well. 

Also note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( Nelson v. Chase Manhattan ). 

Please be advised that failure to comply with my requests will result in a lengthy and expensive legal battle with your company. Considering that you are not located in my state, you will have to appear here or retain outside counsel to defend your interests. This matter can be resolved without such action. 

For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action as necessary. 

Thank you, and I look forward to your resolving this matter expeditiously, as time is of the essence.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 2018-01-09
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 (IL)

On XXXX XXXX I XXXX XXXX had notice that there were some unauthorized transactions charges made to my bank of america account. I contacted the bank ( Bank of America ) immediately concerning this matter, and file a dispute. I contacted XXXX and they were n't able to verified a account under my name social security, phone number, email address, I ask them why was they taking money out of my account every month. I do n't have a contract with them and I do n't receive no services from there company This is fraud Bank of america said they put a stop were XXXX ca n't take no more money out of the account. Later in XXXX or XXXX XXXX I notice XXXX again took more money out the account. I contacted the bank again concerning this matter ( Bank of America and spoke with a XXXX XXXX XXXX XXXX she 3 way called XXXX they still were n't able to verified me having a account with there company. On XXXX XXXX, XXXX Bank of America contact me and said they have completed this and as a result the temporary credit that was issue to me in the amount of XXXX will be removed on XXXX XXXX, XXXX from out of my account. This is fraud I have contacted my bank concerning this matter, and I still not be held accountable to pay someone else bill. My debt card Driver License keys was stolen in XXXX XXXX this was reported. Bank of America should safe guard my money at all times FDIC I do n't have a account with this company and never had a account and I never gave permission for no one to use my account to pay another person bill off my household have XXXX XXXX XXXX services Cable, Phone, and internet I need my money back plus all the fees Bank of America made me pay I have filed a complaint with The Illinois Attorney General and Federal Trade Commission Center concerning this matter my contact telephone number is XXXX XXXX report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX fraud claims XXXX Federal Trade report # Identity theft XXXX
Consumer complaint received 2019-11-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

We moved to a new state and were unaware and not told about a school tax of XXXX per year. All of a sudden our proceeds check from the sale of our previous home was that much less. We also were not notified that escrow did not include ANY taxes for the next year. 3 months after obtaining the loan/moving in an escrow analysis was done and our payments are going up 33 %! It's $ XXXX per month increase we were unaware that this could even be a possibility. Escrow was to cover taxes so how is it that this is possible? No return calls from loan processor, his boss, or for the 2 messages I left for consumer affairs/complaints dep't. I already spoke with the city assessor and our tax amounts didn't change nor did the house assessment value. This is generating a severe hardship ( both situations ). We would have NEVER been approved for this mortgage had they done a proper analysis for escrow, etc.Not to mention the closing document was changed after we signed at closing. The entire process was very frustrating, difficult, not followed through with in a timely manner, and now we are stuck in a rut. How is it that this slipped by our lawyers as well as Mr Cooper 's lawyers? Is it not illegal to avoid disclosing these potential situations?
Consumer complaint received 2020-04-30
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. (MO)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of  my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine  and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Throughout my home refinance application process Chase Mortgage Loan/Underwriting personnel acted in " bad-faith '', committed over-reaching in requiring irrelevant personal information unrelated to my creditworthiness, acted capriciously both over the phone and in email messages and misrepresented information to me. After 2 1/2 months and numerous personnel being involved even at the Executive level I was informed Chase was denying my loan for " business reasons '' I objected to this and will refuse to accept my {$500.00} deposit they have returned to me until this is resolved to my satisfaction. 

Additionally, and after the fact, Chase sent me a letter advising I had " withdrawn '' my application which is false, potentially libelous, and misrepresented the facts. This has caused me financial damages in having to secure alternate financing at a higher rate than conditional approved of by Chase. I have also incurred additional time and expense in prosecuting this and a corresponding Complaint with the Office of  Comptroller of the Currency in case # XXXX. As long-term Chase customers with previous and current loans and multiple deposit accounts this conduct and their " bad-faith '' denial of my loan is reprehensible and unacceptable. Chase Mortgage Lending actions have also called consequential financial damages to my ex-spouse as she incurred penalties related to securing her separate financing with her own Chase loan. She is filing her own OCC complaint as well as an affiliated and party to this transaction as her legally entitled funds were a part of my refinancing efforts.
Consumer complaint received 2018-01-09
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 wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.
Consumer complaint received 2019-11-26
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: Choice Recovery, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX   and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
Consumer complaint received 2018-01-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I already filed a complaint with cfpb. I recently refinanced my home mortgage with loan depot.com llc. After I signed the closing disclosure the monthly payment and closing fees increased. Loan depot explained to cfpb the reason for the increase was due to their miscalculation of the school taxes and homeowners insurance. CFPB closed my complaint. My loan depot loan officer said I should be receiving a refund from my insurance, XXXX because loan depot and my former bank both made payments. 
I contacted XXXX, and they never received a payment from Loan depot. 
Loan Depot increased my mortgage payment, closing fees, gave me less cash than promised after closing because of the homeowner 's insurance escrow increase and school properties ... THEY NEVER PAY MY OWNER 'S INSURANCE. I lowered the escrow amount in my homeowner 's insurance, and sent a copy of my most recent declaration page of the insurance to loan depot. I asked them to adjust the mortgage monthly payment because of the new change in the insurance policy. No one has responded to my concerns nor have made any efforts to solve the problem. I 've attached a copy of my new homeowner 's insurance with this complaint.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (SC)

This collection company is trying to collect a fraudulent debt that is disposed/discharged as a judgement in 2012. 
The debt is no longer collectible according to the court records. It also has not been properly validated. 
I called The company and they are even trying to collect even more than the original amount of the debt which was {$3100.00}. They are trying to Collect {$6300.00}. This is illegal and is violating the fair debt collection practices act and the fair credit reporting act.
Consumer complaint received 2018-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX  XXXX XXXX XXXX credit card, which is issued by wells XXXX XXXX XXXX XXXX, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from XXXX XXXX XXXX. 
The credit agency that ran my credit without my approval is TransUnion.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On Thursday, XX/XX/2019, XXXX XXXX  MST, XXXX XXXX wrote : paypal XX/XX/2019 XXXX MDT Transaction ID : XXXX Hello XXXX XXXX XXXX , You sent a payment of {$20.00} USD to XXXX XXXX ( XXXX ) It may take a few moments for this transaction to appear in your account.

Merchant XXXX XXXX XXXX Instructions to merchant You haven't entered any instructions. 
Description Unit price Qty Amount Order ID : XXXX | 10 Guaranteed Website Signup Details : URL : https : XXXX | XXXX  : | XXXX : {$20.00} USD XXXX {$20.00} USD Subtotal {$20.00} USD Total {$20.00} USD Payment {$20.00} USD Charge will appear on your credit card statement as " PAYPAL *XXXX '' Payment sent to XXXX Payment sent from XXXX XXXX XXXX  Used ( Total ) MasterCard XXXX {$20.00} USD Issues with this transaction? 
You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

Questions? Go to the Help Center at www.paypal.com/help. 

Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click Help in the top right corner of any PayPal page or please contact us toll free at XXXX. 
You can receive plain text emails instead of HTML emails. To change your Notifications preferences, log in to your account, go to your Profile, and click My settings.

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX, Paypal Refuse to give me my money back
Consumer complaint received 2016-02-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XXXX XXXX 2015 we sold our home in XXXX XXXX Texas, the mortgage had been sold to carrington. At closing, the escrow company paid the the taxes that where owed, they then sent a copy of the closing documents to carrington, showing that the taxes had been paid to XXXX XXXX tax assessor by the the escrow company. 
Carrington paid those taxes again. After numerous conversations and multiple attempts to resolve this with carrington, they have n't even contacted XXXX XXXX tax assessor to claim the refund. XXXX XXXX tax assessors website still shows the approved refund waiting to be claimed by carrington. Carrington has to file for the refund because they paid it. 
I should not have to wait to get my money when this is clearly carringtons mistake, they should refund my money immediately
Consumer complaint received 2020-03-23
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly 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 reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement.
Consumer complaint received 2016-08-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Principal Group, LLC (CA)

NP Group has been calling my phone and leaving threatening voicemails. I only know that they are a debt collector from my online searches. The message says that this is a location and tracing effort on the whereabouts 'my name ' with the last four digits of my SS #. They said that they are allowed under law to contact all references in my file including friends and family. It also indicates that it is imperative where I am this person or not to contact them immediately or action will be taken. I called them back twice and they will not give the nature of the call only that they are a third party interest and need my location. They said they would not cease calling me and would start calling my family members if I did not confirm my exact location and give them my social security number. I 've checked my credit report and there has been no action from this company. I have no oustanding debts and my loan ( car ) is current. They operate under ttwo numbers 1 ) XXXX or 2 ) XXXX. Their address : NP Group, XXXX NY XXXX. They are not registered wth the XXXX.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NY)

I opened up an account with US Bank for their {$150.00} account opening promotion. A couple days after I setup my direct deposit they said they decided to close my account because of my trial deposits. This makes no sense as when you link any external account a trial deposit is made. They said this is because my name is not on the account and I told them it is a joint account and i can offer bank statement if necessary. This is absolutely ridiculous for closing my account over a trial deposit and I highly suspect they simply do n't want to pay out the {$150.00} bonus.
Consumer complaint received 2018-01-08
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. (GA)

Reference cfpb-XXXX, XXXX XXXX  states : Our records further reflect that the account has been reported current since service transferring to XXXX and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

XXXX refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. Experian does not arbitrarily report an account as delinquent.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One automatically closed out my saving account due to more than permitted numbers of withdrawals from my account. The bank remitted the remaining balance of {$7100.00} on XX/XX/XXXX to a bank account not confirmed by me. I don't know where the fund is so far. 

I have been calling/emailing Capital One. I also went to the recipient bank 's branch to have them contact Capital One. I didn't see any progress on the issue so far. Each time, different representatives from Capital One gave me different directions/explanations/instructions. The latest status from the bank is that they are still having trouble identifying where the fund is and started reaching out to the recipient bank after 2.5 months.