davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I recently called to request a mortgage statement. I was notified that my account was flagged due to BK. Which is a bit incorrect. Filed Ch XXXX/Discharged in XX/XX/XXXX, Mtg not included. I was told I had to send them a written notice to get my statements turned back on. I know this is incorrect because we get monthly statements. Just not consistently. We are purchasing a new home and they needed this. I asked to be transferred to BK dept. I was on hold for over 10 minutes. The lady came back on the line and said, " I can not reach anyone they must be experiencing high call volume, what is it you need? '' I replied, I just need that monthly statement! '' I explained to her that my husband had called the previous night and they agreed to fax both months statements, but then I was told that she had submitted it for approval and it was denied. This makes no sense!! 
Then, I found out they reported that we filed a BK in XX/XX/XXXX, which is absolutely absurd. We have not spoken about, attempted, filed, etc. One and only time was XX/XX/XXXX. I call to ask for a letter to confirm house was not in BK so we can close on new home. They again said, " need a written statement ''. I replied, " Not that again '' Then asked to speak to a manager. Of course, after being on hold for 10 minutes. I hung up. What bothers me more is I can go online, see some of my account. Get payoff requests, see last 12 months payment history, but ca n't get a simple monthly statement? We have never been late, not prior or after BK EVER!
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (TX)

My loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are on SAVE and the monthly payment is {$30.00} but my loans XXXX, XXXX, XXXX, XXXX, XXXX are on LEVEL and the monthly payment is {$1700.00}. The first time I applied for XXXX was XX/XX/2023 and they only put half my loans on SAVE and never told me why they didn't put all my loans SAVE. They wouldn't use my original first application so I had to apply a second time on XX/XX/2023 with all the exact same information as was on the original first application. They still won't process the applications and put all my loans on SAVE. Now they are telling me that I have to pay the {$1700.00} or let my loans accumulate interest on forbearance. They say that they can take as many months as they wish to process SAVE applications and XXXX me out of interest forgiveness for as long as they want. They say they won't back date the start date for SAVE and my loans don't qualify while on LEVEL or forbearance for the government interest forgiveness that I should get on SAVE. So I'm stuck with them being able to steal {$1700.00} from me each month until they finally process the application. They get to XXXX me out of the interest forgiveness that I should be getting on the SAVE program until they finally process the applications and they can take as much time as they want to do it. The CEO gets to maximize profit by hiring less people and the government is just letting them extort me like this?
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention the presence of inaccurate information in my credit profile, specifically pertaining to my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached supporting documentation to substantiate my dispute and request a thorough investigation and correction of these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters, review the attached documents, and take appropriate actions to rectify the inaccuracies in my credit profile. Additionally, I request that you notify the respective credit reporting agencies to update my credit information accordingly.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

company is forcing us to pay for a loan for goods and services we did not receive. 
company has now after 2 years, when they are aware the truck engine blew right after purchase are trying to force us to put full coverage on the vehicle or they will charge us more premium rates. continue to force us to pay late fees on a account that was fradulently created. they continue to steal from me and my XXXX kids.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank NA ran my credit on XX/XX/. I have tried multiple times to reach customer service but you can not get through without providing an account number. I am NOT a customer of Citizens Bank, did not perform any credit transactions with them, don't have an account or bank account with them, they are not underwriting any insurance for me and they have no legitimate business need in connection with me to be running my credit report. As far as I am concerned, this is not allowed by law and I would like a written explanation about why they are running my credit report. Thank you.
Consumer complaint received 2023-11-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I bought a laptop from lenovo on XX/XX/2022 and had some confusion on what card I used. I used the wrong card so I returned the item so I could purchase on my business card. XXXX ( I bought a laptop ) refunded my money and sent multiple confirmations of the refund at my request as well as transaction IDs for the refund, but it never appeared on my card. I included all info in my requests to chase yet they refuse to give me my money back. Since this is a credit card I had to pay it to keep it from accruing interest, but since I returned the item chase essentially stole the money form me.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-19
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. (IN)

I am reporting Experian for trying to sabotage my credit score I do not understand Ill check my credit report daily and notice that experience has talking points away from me for nothing I havent got any derogatory marks or anything added to my credit report but my points all of a sudden dropped XXXX points on XX/XX/XXXX for no apparent reason and also had XXXX XXXX points deducted from my credit score as well so, a total of XXXX points was taken away from me within a matter of weeks my main concern is why was there XXXX points took in for my credit score on XX/XX/XXXX for no apparent reason below are pictures from my credit report of the XXXX from Experian, XXXX XXXX and XXXX. It shows that I had XXXX points.
Consumer complaint received 2023-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Yesterday ( XX/XX/XXXX ) I received a Mortgage Statement from Bank of America. The mortgage payment is due XX/XX/XXXX. 

The mortgage statement contains a line that shows I have paid {$9200.00} in XXXX Property Tax Payments ( this is the only purpose for the Escrow account ). My total property tax bill for the year is {$9800.00}. Based on this, the Escrow account due should be {$650.00} for XXXX which would cover XXXX property tax liability in full. Bank of America is billing me {$1100.00} and shows an escrow balance of {$4300.00}. THIS IS NOT ACCURATE. 

My husband ( authorized to speak and transact on this account ) called Bank of America and spoke - after being told " the call may be recorded '' - with a XXXX Florida Supervisor by the name of XXXX XXXX. 

It was explained to the Supervisor that Bank of America is knowingly over billing us for the Escrow account. We explained to the supervisor that all property taxes have been paid on this account. There was no arrearage substantiating the amount on the bill. The supervisor recommended that we contact the previous servicer on this account ( note - this account was with Bank of America originally ; then transferred to another services ; then transferred back to Bank of America ). 

Bank of America is responsible for accurate record keeping when they assumed this account. The Escrow account used to pay Property Taxes has been part of the mortgage payment from the beginning. The account has and continues to be current. The supervisor stated that Bank of America is not in the practice of checking records to ensure accuracy for the consumer when mortgage accounts are transferred to them. Thus, she directs us to reach out to an entity that is no longer responsible for this loan. 

This is not an appropriate response for such a large and well known banking institution. 

We believe Bank of America continues to violate federal law by its conduct on this loan.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

For many years, my former husband and I had insurance and a joint credit card with USAA Federal Savings Bank. We separated in XX/XX/XXXX. Prior to our separation, we never carried a balance of more than a XXXX dollars on our credit cards. During the separation, USAA required us to have SEPARATE accounts for our insurance -- so they knew we were separated. My former husband testified under oath that he had closed all joint accounts. Several months AFTER our divorce was final in XX/XX/XXXX, when I applying for a mortgage, I learned that the account was still active and had a balance of over {$9000.00}. ( I later learned that, after the divorce, my former husband had transferred that amount from another card in his own name. ) I wrote multiple letters to USAA, requesting information re this account and sent them copies of court documents re my former husbands statements. USAA refused to send me any information re this account. 
Soon after that, USAA sent me statements for {$5000.00} -- -under a new account with a new account number and in my name alone! USAA had their agents calling me multiple times a day but continued to refuse to send me any information re the initial account or how they had come to assign me to a new account. I hired an attorney who filed subpoenas for all documents r/t both USAA accounts. USAA refused to comply with the subpoenas. They are based in XXXX and I lived in XXXX. They are a huge conglomerate and I am one individual. My attorney advised me to ignore their requests for payment. That amount went into collections and was eventually cancelled. The cancelled amount was then considered as income by the federal government and I was required to pay federal taxes on it. After many years, the notation re that account was removed from my credit history and, as it was prior to USAA 's unethical and possibly illegal practices, my credit was excellent. Since that time, I have disposed of most of the records r/t this issue. Although, if needed, I could contact the attorney who worked for me on the case. 
Throughout this entire time, I kept my home and auto insurance with USAA. They never told me there was a problem or that I was considered a " restricted customer ''. I bought a car in XX/XX/XXXX and they were happy to insure it. 
I am in the process of buying a new home and called USAA to get a homeowners policy. However, after 12 + years of being a good customer, they are telling me that they can not offer me any more insurance products -- -UNLESS I pay off the disputed balance of that USAA Savings Bank credit card. Considering the facts that that debt was written off and I had to pay federal taxes on that amount, I think that is ridiculous, unfair and poor business practice. I hope it is illegal.
Consumer complaint received 2023-04-20
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. (MI)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Several fraudulent debt collection accounts are being reported on my transunion, XXXX and XXXX  credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX Chase Bank accepted a 3rd party check in the amount of {$2500.00} That was Endorsed and Signed and deposited Completed Said there would Be a hold and Funds would be available October 5th 10 days for funds to Clear On XX/XX/XXXX the funds Clear and are available for use But XXXX use funds and now accounts Restricted so I contact the customer service for Chase and was told the third party had to be verified which there third party verification database they're trying to verify with phone number for the third party and if the third party does not have a number in the system it will not verify them I tried to go into a local branch with the third party to identify with ID they would not accept also try to have the third party on the phone with me talking to customer service they would not verify that way either I was later then told that I had XXXX grace period or the account would be restricted and closed well and XX/XX/XXXX they close the account with the remaining balance of {$2500.00} when contacted the customer service for Chase after receiving a letter from Chase regarding the closed accounts and what Debit XXXX  standed and meant on my statement was told account closed and Funds Would Not be Sent out VIA it was a XXXX party check That they can't verify so they can't send me my Funds from account even though check was cleared and deposited
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (IN)

Earlier this morning I received the phone call notifying me that I owe them from a debt that they bought from a personal loan company. I notified then that I do not have the money to pay and have no means to do so, I told them to put me on the Do Not Call List and they notified me that they would still contact me and hung up in my face.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.