davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Shore Financial Services, LLC (MN)

I got a letter in the mail about re-financing my mortgage. The letter stated it was from my original loan company so I was suspicious right away. The phone number didn't match the number from my old lender, so I blocked my phone number and called them. The person who answered said, " Hello '' and didn't say the company name. Instead of saying I got a letter, I said I received a phone call. The scammer then told me they were from a different mortgage company from the letter called " XXXX XXXX  ''. The scammer said, " Do you have credit card debt? '' I then pretended I couldn't hear him and he hung up right away.
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC. (SD)

Called Citizens Mortgage to request a cancellation of PMI insurance on XX/XX/XXXX for my 30 year FHA loan from XXXX After 30+ min of waiting with an employee that seemed to have very limited knowledge on the subject they then referred to their manager. They then also asked to send my request in writing via email citing all their criteria. 
After sending the email with all the information they requested. I got no reply indicating they received my email. 

On XX/XX/XXXX i got a letter from Citizen Mortgage rejecting cancellation of PMI insurance citing we had to keep PMI for the lifetime of the loan. Even with no missed payments and over XXXX XXXX paid off on the loan. 

My next step was to call citizens again XX/XX/XXXX at XXXX XXXX  mountain daylight time. 
I spoke to an employee named : XXXX. 
I explained the situation to XXXX. He then spoke with management for 5 minutes. When he returned he declined my request to cancel PMI. Again, stating I could not remove it from the loan. 
Next I requested to speak with a supervisor After being on hold for 20 minutes, XXXX told me it would not be possible to speak with a supervisor. 
He then said somebody would call me back in 1-2 days to continue dialogue about the issue. 
He could not give me a exact date or time.
Consumer complaint received 2023-05-27
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. (WI)

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Creditor Inquiry Date 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 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 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
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK (WA)

I opened a loan with Freedom plus now Achieve in XX/XX/XXXX. I had XXXX late payment reported in XXXX XXXX XXXX ( right when the world shut down due to COVID-19 ). I also went into XXXX XXXX  with my now XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX I have tried multiple times to get the late payment removed, I called Freedom Plus and they said they would remove it ( the calls are recorded ) so they should be able to go back and find the phone call. 
It is still reporting late and I do not want it reporting late anymore. Please help me remove this late payment as it should have been removed XXXX  years ago.
Consumer complaint received 2024-05-06
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: DISCOVER BANK (CA)

In XXXX of XXXX A fraudulent credit card was opened using my old address. I sent Discover proof of my correct address ( copy of my apartment lease ) during that time and all other documents they requested. They still won't acknowledge the account is fraudulent and are still keeping it on my credit report.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

Someone had me legally dead I dont know how long but Social Security help me get my life back they also sent me a letter once I was reinstated back to life I had so much stuff on my report eventually those was removed but this company that i been fighting for years think I am the original owner I never opened this account I need help to get this off my report and once you talk to them they are very rude and threatening I am already on XXXXXXXX XXXXXXXX XXXX XXXX is just to bad to deal with them and the XXXX they also treat you bad and talk down to you I even wrote them letters they still saying its my account I stop calling the company because all they do is sell your information to somebody else and then it starts all over again phone calls Thank you I also file a complaint with the XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have two charge off items on my Transunion account that is reporting monthly. The first account is a XXXX XXXX Credit Card and the second item is a XXXX XXXX XXXX card. According to the FCRA USCC CODE 15 this is a illegal practice. I place a call to Transunion and they refuse to remove the items. Dispute number # XXXX
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

There were six XXXX XXXX transactions that were withdrawn from my checking account that I didnt authorize. Someone obtained my husbands XXXX XXXX information and mine and sent the money to themselves. I filed 2 claims with my bank Chase and they didnt revert the funds back to me because they are saying the transactions were authorized since it matched my IP information from my device. I spoke with XXXX XXXX and they couldnt assist because the transactions arent on my statement. 

XX/XX/24 : {$65.00} XX/XX/24 : {$75.00} XX/XX/24 : XXXX XX/XX/24 : {$170.00} XX/XX/24 : {$28.00} XX/XX/24 : {$16.00} XX/XX/24 : {$80.00}
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (FL)

I am writing to dispute the inaccurate reporting of my credit accounts by XXXX. Despite sending payoff letters to XXXX for both XXXX, XXXX, and Solar Mosaic, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over two months now. 

XXXX representatives have informed me that XXXX, XXXX, and Solar Mosaic have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from XXXX, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and Solar Mosaic be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for XXXX. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (CA)

The loan payment for XX/XX/2024 was paid from an account with XXXXXXXX XXXX XXXX  XXXX ending in XXXX. The payment was made through the online system with Fay Servicing. There have been multiple payments made through this process. I was informed by Fay that the payment was not processed due to something wrong with the account. There was no change of the account number and now Fay is running late payment and default interest. I emailed my dispute and am now talking with the servicer as writing this after they called before XXXX XXXXXXXX XXXX  I am unable to change the account number in the system so not an issue I created. I am asking that late payment and default be adjusted.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

About a month ago, I received a bill from XXXX saying that I owe them {$20.00}. I tried to call XXXX and ask them what the bill was for and after being on the phone for an hour and being transferred several times no one could tell me what the bill was for I sent XXXX a letter. I did not get an answer as to what the bill was for. I have now received a collection notice from Transworld systems saying that theyre about to add to my credit report a {$20.00} debt from XXXX XXXX I called Transworld systems to try to dispute the debt and asked what the debt was for, and when the representative answered the phone, he asked me for an account number which I do not have and then he asked me if I had a shipping account with XXXX. I told him no, and he terminated the call.
Consumer complaint received 2023-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (NJ)

Good Day, I am submitting this complaint to XXXX XXXX XXXX regarding a collection debt for Upgrade for {$3900.00} which is an estimate I received from my credit report. As previously I have disputed this debt with Upgrade as not mine and I am once again disputing this debt as Identity theft and I want these five accounts that are listed on my credit report to be removed and closed as these accounts were opened without my consent. I have attached to this complaint a notarized FTC affidavit and police report. 

Thank you
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation. 

I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.
Consumer complaint received 2023-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo refused to pay the homeowners insurance out of the escrow funds causing the homeowners insurance policy to default. It was that way for an entire year and then they went back and placed a hazard insurance policy on the account retroactive for 1 year when there was actually no coverage and charged me thousands for a policy that was not ever in place. That caused for years of higher premiums as the original policy could not be reinstated due to cancellation by default and the new policies penalized me due to the original policy cancellation.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2018,, Signed Up For OverDraft Protection On My New Bank Card From Wells Fargo Bank,, Got An Email On XX/XX/XXXX,,, saying That My Account Will Updated,, So On XXXX XXXX,, Went To The Bank To Get Cash,, ( XXXX. ) + XXXX,, Using The Overdraft Protection,, Then I Went Today To Use My Bank Card My was Declined ( 4 ) Times ), I was Very Upset,,, This is So UnAcceptable
Consumer complaint received 2021-05-22
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: CREDIT ACCEPTANCE CORPORATION (OH)

UPON THE SETTLEMENT AGREEMENT. CREDIT ACCEPTANCE WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2024-05-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I received a XXXXXXXX XXXX prepaid American Express Giftcard for winning a XXXXXXXX XXXX XXXXl The first day I was able to use my card at a store, restaurant, and XXXX online vendors ( XXXX and XXXX ), absolutely no problems For the past 3 days I can use my card for anything, Ive been declined online, in stores, at gas stations, pharmacies, restaurants, corner stores etc When I check the Amex website it says that its missing a security code and thus is declined every time This is weird as I put in the security code every time to have the card linked in the first place When I tried to contact Amex there customer service has to be based offshore, so its hard to communicate my issues and also hard to understand them In addition no matter what the only 2 answers I ever got no matter who or for how long I spoke to them, was that a ) my card is active and should be ready to use, wait a day if your having issues ( Im now on day 3 ) and b ) weve enhanced our security features for our cards so this could also be the reason for declined ( but then they NEVER tell you what those security features are or how to avoid them etc, etc ) This is just absolutely ridiculous that I cant spend the money off a giftcard, Ive NEVER had this problem with a visa giftcard but my first ( and last ) Amex card is giving me all types of issues I want a full refund of the XXXX $ sent to me via check, Im sick Amex and dont want to deal with the company of the gift card anymore
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX XXXX SYNCB/LOWESCML ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called XXXX on XX/XX/, and filed a complaint about this matter.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ENHANCED RECOVERY CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Coinbase, Inc. (CA)

Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX XXXX from it, which is a few XXXX, they will not release. I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another XXXX address, it freezes on " Loading '', all after typing the XXXX  XXXX code and the receiving address. 

No information was requested as coinbase stated, instead they gave just a couple day window to withdraw and I was not home at the time. That is unrealistic. 

PLEASE FIX THIS ISSUE. Thank you
Consumer complaint received 2022-12-07
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX