davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (MD)

XX/XX/2018, I inquired about paying off my loan. I was quoted {$630.00}. on Today, XX/XX/2018 I called to pay off loan again and was quoted XXXX because the payment could not be processed until tomorrow. I was told to contact them three days in advance which I thought I was doing. After finally asking for a manager and getting approved to pay off loan today for XXXX. i was than told they needed to verify my new bank account by calling my bank. Each time they placed me on hold for over 10mins and drop the call after and called back to say they still are trying please hold. I informed them I would be reporting this and for them to please process payment. I talked with XXXX who agreed to pay off and than to XXXX to process and he informed me of bank verification process. Finally I talked with XXXX who informed everything was ok and they will process. 

After an hour I received a voicemail message from XXXX again stating they now can not process my payment without bank verification. All I want is to pay off my loan.
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NY)

The mortgage refused to correct my property tax issues. They kept on stealing my money from the escrow account, commingling my funds, using my money to paid on the accruing interest on the unpaid taxes, my property is scheduled to be sold due to Selene Finance 's gross negligence. Every month my money went into my escrow and yet they took the money and used as their own and never paid, I ask the regulator to investigate. As you can see, most recent mortgage statement, they used {$36.00} from my escrow account to pay " City Property Tax '' when this is in fact the penalty. 

1098 was issued incorrectly and they refused to rectify, it says I have no loan no interest paid in XXXX XXXX lied to me that 1098 would not be issued, then they decided to issue an incorrect IRS form and try to XXXX me over with an audit with IRS I emailed XXXX, XXXX, and XXXX, the special loan advisors but they acted indifferent about my matter and only feel like responding my emails when they feel like it.
Consumer complaint received 2023-07-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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. (VA)

Report Created On : XX/XX/2023 XXXX XXXX XXXX : XXXX Transunion has been unable to supply me with any information on how they proved the accuracy of this account. This matter has gone to court is which I won the case.
Consumer complaint received 2023-12-14
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (SC)

I received an email that a peer transfer was completed in the amount of {$770.00}. I immediately called the bank and told them that it wasnt me that completed the transaction. They told me they dont have the ability to offer me a credit for what happened for XXXX days once the investigation is over. They also couldnt complete the dispute process because they said it didnt show up in their tool so I would have to be called to complete the dispute. They locked my account, and I have no access to my funds and only communicate through mail. I spoke to multiple people and hung up on and was finally able to get transferred to a supervisor who also says i cant get any money until the investigation is over which can take XXXX days which is against my rights.
Consumer complaint received 2023-07-02
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. (VA)

On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from XXXX XXXX. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

FIRST PREMIER BANK is reporting late payments while in active XXXX  XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/XXXX, I call Bank Of America Visa credit card XXXX to get a balance owed in order to close my account. ( Approximately XXXX XXXX XXXX We sent a bank check for the full amount with tracking XXXX. It was signed and received on XX/XX/XXXX. It was not applied until XX/XX/XXXX. On or about XX/XX/XXXX I noticed interest charges only of approximately {$140.00} applied to my closed account. A supervisor forgave the interest because of the delay in processing. The next day I confirmed that by closed account had {$0.00} balance. On XX/XX/XXXX I received notification that I owed {$47.00}. The explanation I received except from the fine print was that when I asked to close the account I should have asked for amount owed plus interest. It has taken me a full XXXX  to XXXX  what I owed because I kept accruing interest and have no details on how they are calculating it.
Consumer complaint received 2017-04-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (TX)

Amerihome Mortgage used our escrow money and paid someone elses XX/XX/XXXX property taxes. We discovered this at XX/XX/XXXX. I contacted them XX/XX/XXXX and received an email address from a Customer Service Rep named XXXX to send a copy of my tax bill to them. I sent it on XX/XX/XXXX and received a response from XXXX XXXX XX/XX/XXXX stating they were forwarding it to their tax department for investigation. I never received any other follow up from them. We 're trying to re-finance our mortgage and discovered the tax issue has still not been resoled as of the writing of this letter. I have spoken with 5 supervisors between XX/XX/XXXX thru XX/XX/XXXX. I have requested a return call from Management and advised each Supervisor was requesting the call back and have not received one call back except from a Customer Service representative. 
I have also been told no one from Amerihome Mortgage can contact the third party vendor they use to pay the tax bills. This is completely unacceptable behavior and I am extremely upset that we have a tax bill that is 3 months delinquent in our name. 
I have been told twice their resolution date is XX/XX/XXXX and I have advised this is unacceptable to us as we pay our mortgage and escrow timely and expect them to correct this in a reasonable amount of time which 23 days is not. Their Supervisor XXXX verified with the County on XX/XX/XXXX that the bill has not been paid and that the account number Amerihome paid is indeed for another piece of property/home and another person unrelated to me and my husband and our home.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

( a ) Notice requirements 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. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. PRIVACY ACT 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

Credence RM {$250.00} XX/XX/2023 Fraudulent account This debt is not mine/responsibility with said debt collection agency. No original contract provided between myself and said debt collection agency. I am disputing this debt with said agency, revoking all harassing calls text email in result to reporting violations to CFPB. Requesting validation of purchase and agreement between myself and said collection agency. furthermore, credence rm is in violation of consumer law.

12CFR1006.34 ( b ) ( 5 ) 12CFR1006.34 ( c ) ( 4 ) ( i ) 12CFR1006.34 ( d ) 15USC1681-S2 ( 7 ) ( a )
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( XXXX, Equifax, XXXX ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (AL)

I have been contacted several times via email about an alleged debt that I do not owe or a debt that is inaccurate and potentially a result of an impersonation and identity theft by an individual/third-party ( not affiliated with this debt collection company ). The communications are from TrueAccord Corp. regarding an alleged debt to XXXX XXXX  XXXX XXXX on or about XX/XX/2018. Furthermore, in the email correspondence TrueAccord has listed personal and private information about me and my address ( that is protected by my partner 's XXXX XXXX orders ) that can not be obtained publicly or linked to me by any means other than that of illegal practices. Moreover, I have never been contacted by XXXX XXXX XXXX  or any debt collector regarding this " alleged debt '' prior to this correspondence. 
I've requested this company to not contact me any further, blocked the sender, but to no avail TrueAccord and its representative known as XXXX XXXX XXXX continue to send communications via email about this debt/matter. This is a direct violation of my rights and remedies available under federal and state law.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 

I ask that the items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
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: Experian Information Solutions Inc. (MO)

Experian closed another complaint without addressing the issue and giving explanations that are absurd and criminal once again experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (UT)

I signed a change in terms with HappyMoney on XX/XX/2023 changing the skipping 2 months of payments ( XXXX and XXXX ), as well as changing the maturity date from XXXX to XX/XX/2023. I received notification that I had a payment due on XX/XX/XXXX which was contrary to the document both Happy Money and I signed I called in and they said that they will not honor the change in terms.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

Around XX/XX/23 I notified BMO that my daughter 's charges were being debited form my account. The disputed amounts ( sent to BMO ) totaled a few XXXX dollars. I contacted several people but the problem is not fixed. 

It was further complicated by some unrelated problems with a business credit card at BMO.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  XXXX {$200.00} XX/XX/XXXX XXXX XXXX  XXXX {$480.00} XX/XX/XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX  XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MD)

I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.
Consumer complaint received 2022-02-02
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-25
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account ASAP XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (WV)

Aes credit XXXX XXXX XXXX XXXX, XXXX Whom make concern, i was working with one Employee, she did everything help me filled out a from for XXXX from VA Dr XXXX which from server XXXX, when working the lady, she new about my illness. My Doctor XXXX send to Aes twice first abbreviated words, then i got that he needed to send form without no abbreviation, which doctor XXXX did, so i thought everything was okay, but it was n't until Aes turn their loans over to XXXX. 
Which XXXX did work with me and doctor XXXX, which i was granted XXXX hardship.AES was calling me they over and over, i even had a AES a employee, she told me, to get XXXX over it, talking about my XXXX So call back got a hold supervisor. Then i asked for my phones calls notes, then told i could not get them, that they turn my loan over XXXX. But mean time i thought my XXXX was taken care of by AES, it was n't until I got a letter from XXXX that my loan was never taken care of, so i look on my credit report where AES show me beening late on my AES over and over, which if i have to i get information from my when forms where sent.All i asked to get a copy of all phones conversation and letter send out to me and form for my Doctor. XXXX one lady employee work with me to get all paperwork very nice, she knew my illness. My name is XXXX XXXX XXXX, my old address was XXXX XXXX XXXX, XXXX XXXX XXXX when we was working on XXXX form. My society security number is XXXX .my new address is XXXX XXXX XXXX, XXXX XXXX. XXXX. All i ask for AES give you all my phone calls and letters send to me and Doctor XXXX XXXX form send to AES released a copy to you. AES has hurt my credit report many years, which my Doctor send them the correct paperwork, which they said they lost. All proof are in all my Aes phone calls and letters. 
All i am asking for my credit report to be fixed and a letter that AES, was at fault because of bad training of thier employees, how treat people with XXXX. 
Thank You XXXX Bless