davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (NY)

In Accordnace with the fair credit reporting actXXXXXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose
Consumer complaint received 2024-04-01
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETE on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OK)

On XX/XX/XXXX, contacted Rightpath Servicing via website requesting an Account Payment Summary beginning XX/XX/XXXX, when mortgage was signed, as advised by the the attorney represented in my bankruptcy filed in XXXX. 
The complaint is filed against the loan services Rightpath, Nationstar ( no account in my name ), or Mr. Cooper ( no account in my name ) could not provide the total account summary information. Upon receipt of, and after contact with the previous mortgage lenders, an account payment summary was acquired for the dates each lender serviced this mortgage, until date transferred to another servicing company. 
In addition, the payments made on the claims in my bankruptcy including this mortgage ( current, arrearages and interest ), and cross referenced to the other account summaries not provided by the current loan servicing company, Rightpath, payments were not applied to my mortgage as directed by the court. To-wit, this complaint was to be submitted as advised by my bankruptcy attorney if the company could not provide the TOTAL Account Payment Summary for the Mortgage and/or if the bankruptcy payments were not applied properly
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sequium Asset Solutions, LLC (CA)

Domestic violence survivor. I had a restraining order and still do. They were aware of me being harrassed daily and assaulted on the property. Neighbors also made them aware. Everyone was. Scared! Feared for my life and I expressed that to them. Also overcharged when they tore down to remodel lived here 10 years company reported an inaccuracy that shouldnt be on credit report lease needed to be broke without penalties. For safety reasons dates of lease inaccurate move in XX/XX/XXXX moved out XX/XX/XXXX! Please remove and or correct the price so that the courts dont have to get involved
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 at XXXX EST, I received an email that a Bank of America account was opened in my name. Ive never a customer of Bank of America. The account was called an XXXX XXXX XXXX. The email address that sent the account information was a genuine Bank of America email address. The account has been closed.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Nationstar Mortgage LLC d/b/a Mr. Cooper has been misapplying payments and reversing them and then reapplying them but causing a higher interest charge than when they were initially scheduled to be applied. 

On XX/XX/XXXX I made a payment for {$2000.00}, {$1100.00} for my normal monthly payment and {$900.00} for an additional principal only payment. The payments were both reversed and then reapplied. Then the {$900.00} principal only payment was reversed again and then applied to escrow. 

I then made a {$1500.00} payment on XX/XX/XXXX, {$1100.00} was for my monthly payment with an additional {$400.00} as a principal only payment. The monthly payment was applied XX/XX/XXXX as XXXX to principal, {$520.00} as interest and {$330.00} to escrow. The principal payment of {$400.00} was also applied. Then on the same day both the monthly payment and principal payment were reversed. They were both then reapplied. However, this time the monthly payment was applied with {$260.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

By them removing and reapplying the payment it lowered the amount I was paying down on my principal and increased their interest earning by {$2.00}, which will be even more over the life of my loan due to the higher balance after this payment. 

Then, on XX/XX/XXXX I made a payment of {$1700.00}, {$1100.00} to my monthly payment and {$570.00} to principal only. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. The {$570.00} payment was applied to principal only. Then again, on the same day these payments were applied, XXXX, they were reversed and then reapplied. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

This time the principal and interest difference was {$2.00}, in addition to the added interest I will be charged over the life of the loan. 

The next time I made a payment was on XX/XX/XXXX, I made a total payment of {$1900.00}, with {$1100.00} for the monthly payment and the remaining {$820.00} going to principal only. This time they applied the entire payment of {$1900.00} to my principal only. I then had to call them and have it corrected. But instead of applying it as I had scheduled it they applied it all to escrow. After contacting them yet another time they reversed the payments from escrow and applied the XXXX payment as {$270.00} to principal, {$520.00} to interest and {$330.00} to escrow. Which I have no doubt caused less to go to principal than it would have if applied correctly the first time. 

I have no doubt that this is an abusive practice to cause those that are attempting to payoff their mortgage early to pay more interest and have their loan open longer than planned to with the added payments and early payments.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/year>, I logged online to move money around and noticed that 2 of my accounts showed a XXXX balance. I spent the next few hours on the phone with fraud and then the estate department. I was told that they received information that I was deceased and therefore froze my assets. They instructed me to call the SSA to confirm what they reported. The SSA did not have me reported as deceased. I was instructed by BOfA that I would need to get a letter from SSA and go into the branch to get this cleared up. After several visits, they were able to unfreeze the assets. I still have one account that I need to have fixed and have to make a third trip into the branch. I since found out that this entire situation was because someone within Bank of America mid keyed my SSN as deceased in error. I understand human error but the amount of time and energy I had to go through because of this should not have fallen on my shoulders. I want to know what they are going to do to compensate me for the time and anguish this has caused. 
They need to own their mistake and need to put safeguards in place so this doesnt happen to others.
Consumer complaint received 2023-04-28
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. (PA)

accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Barclays is not honoring their chargeback policy on items that was defective and a seller who was not honoring their return policy by making you pay for shipping. I sent tons of proof and the proof showed that the seller apologized to me and said they made errors XXXX my orders and still Barclays denied my charge back! Im very unhappy as I have sent tons of prof and called them 4 x a month regarding this!!!! I started the process mid XXXX XXXX prof and dates sent to them XXXX 8 pages of proof and had to call Constantly for any type of feedback.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 2023-09-29
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (GA)

Dear Synerprise Consulting Services , Inc., I am writing to address the recent communication regarding the cancellation and removal of certain accounts from your records, as was requested in my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Despite your assurance that these matters would be removed from my credit reports and cease reporting, I regret to inform you that the accounts are still being reported to the major credit reporting agencies. This ongoing reporting is inaccurate and continues to infringe upon my rights, adversely affecting my opportunities and causing significant distress. 

I firmly request immediate action to rectify this situation. The accounts in question must be removed from all consumer reporting agencies immediately. Additionally, considering the ongoing violation of my rights and the resultant impact on my life, including aggravated identity theft, constructive fraud, and inaccurate reporting, I am seeking monetary compensation. {$3000.00} would serve as reparation for the pain and suffering endured due to this prolonged issue. 

I trust you will treat this matter with the urgency and seriousness it warrants. Prompt resolution is imperative to prevent further detriment to my financial standing and personal well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Consumer Financial Protection Bureau Subject : Dispute of Collection Account Due to Harassment and Identity Theft To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report, which is held by Midland Credit Management. I believe this account is a result of identity theft, and furthermore, I am experiencing harassment from the collection agency. 

Below are the details of the collection account : - **Creditor : ** Midland Credit Management XXXX **Balance : ** {$550.00} - **Date Reported : ** XX/XX/year> - **Status : ** Needs Attention - **Remarks : ** Account information disputed by consumer I am a victim of identity theft, and I have already taken steps to report the fraudulent activity to the relevant authorities. Additionally, I have informed Midland Credit Management of the identity theft and have requested verification of the debt, but the harassment persists. 

The constant attempts to collect on this debt are causing me significant distress and XXXX. I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Midland Credit Management for their harassment tactics. 

Furthermore, I request that the collection account be thoroughly investigated and removed from my credit report, as it is a result of identity theft and is causing further harm to my financial well-being. 

I have enclosed copies of the relevant documents supporting my claim, including evidence of the identity theft and documentation of the harassment from Midland Credit Management. 

I appreciate your attention to this matter and request a prompt resolution. Please inform me of any steps I need to take to assist in the investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of XXXX XXXX  and have an account on my Equifax credit report that is a result of the XXXX XXXX XXXX and XXXX were provided the same documentation and resolved this matter, however Equifax declined to remove the fraudulent account. This has been a complete nightmare! Equifax refuses to rectify this matter. This matter was opened on XX/XX/24 and again on XX/XX/24.
Consumer complaint received 2023-05-30
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. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (CA)

Approximately XXXX XX/XX/2024, I called Chrysler capital inquiring about how early termination of the lease works. Nobody made it clear to me that it was essentially a repossession. We were not struggling to make payments. We were mislead into leasing a XXXX  which lost half its value in the 10 months we had it. It also did not Perform as expected, and was no longer wanted. I was told there was the XXXX termination fee, plus another " administration fee '' of approximately XXXX. I have the exact amount written in a notebook. I asked for confirmation several times that those were all the fees we'd pay to be done with the lease and satisfy the contract. The response was affirmative. The next day, after that call, we turned the XXXX XXXX XXXX into the dealership per standard procedure and chrysler capital instruction. When I called back chrysler to ask how to pay the admin and early termination fees, and was informed suddenly " that's not how it works. You got ta wait for the final bill. A little over a week later, I get a letter showing they're gon na auction it, and I got ta pay more money than I was informed about ( the difference between what they tried to sell it to me for and the realized auction cost. '' It said the auction would be held XX/XX/2024. I called back and asked why they didn't disclose the process and fees correctly. They claimed they did. I said okay, then we will take the vehicle back. This was XXXX XXXXXXXX XXXX " Oh no, that's not possible, it's already been auctioned. '' I asked how this could be when the letter said XXXX XX/XX/2024 would be the auction date? They told me that the vehicle was sold and the title was now listed as " XXXX XXXX XXXX '' which meant they had disposed of the vehicle already. 
Currently, I'm trying to get the executive office to check the recording, and verify they messed up. I'm sure they won't, as nobody investigating themselves are gon na find any evidence of wrongdoing. 

On XXXX XX/XX/2024 I requested a transcript and they said I'd " need a subpoena. ''
Consumer complaint received 2023-04-28
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2024-01-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC (WA)

The company has contacted me several times over the last 2 yrs. About a year and a half ago I told them that they need to remove my dads and stepmoms cell numbers from their information due to the repeated calls and they dont have anything to do with the situation. Today, XXXX/24, they called both of their numbers again and I called them back and got no answer. They need to quit harassing my parents. My dad did answer the call a couple days ago and told them to stop but the company keeps calling them. I am aware of the debt that is owed but they need to stop calling them. When I called today, I left a voicemail stating for them to stop calling them. The company calls almost every day.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called BofA because they erroneously denied my wellness incentive from XXXX. XXXX does not require any documentation for the reimbursement. They told me the issue would be resolved by now previously. However I looked on my account and there is a negative balance on my account. I called back, they put me on hold forever, then the agent hung up on me almost immediately once i did get through because it took a couple seconds for me to get off mute - i guess they thought it was a false call. 
There is no way to contact the bank electronically. The chatbot is an XXXX XXXX and can not resolve issues. there is no email. This makes it virtually impossible to resolve issues and access my funds. This is unacceptable.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GLOBAL CREDIT UNION (AZ)

My frustrations began within the last 3 months bc 3 different debit cards w GLOBAL Credit Union/GLOBAL CU have been fraudulently compromised. 
The same fraudster continues to submit fraudulent transactions to GLOBAL CU using the XXXX XXXX XXXX. 
Only once out of the 3 events did the GLOBAL CU fraud alert systems contact me about suspicious transactions. 
I don't know how this fraudster is obtaining my debit cards numbers. 
The XXXX XXXX needs to identify this fraudster and cutoff access to the XXXX XXXX. 
GLOBAL CU remedy of just get a new card isn't resolving this problem nor delinquishing my distrust of GLOBAL CU to protect my money.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited an investment check into my account on XX/XX/2024 for XXXX . My check went on hold I saw that my funds would be available today XXXX XXXX. However on XXXX XXXX Chase Bank locked my debit card and also restricted my account so that I am not able to use my account as I need to. Plus I had already been using my account find deposit money into my account sent my self money to my other bank institution and used my card for gas a couple of times and out of no where they just lock my account due to what I am still unaware of and I was not giving any updates or what the issue is. I was told Chase was a great bank however how can this be true when a Legitimate check is cashed and it clears and everything they hold it for the 7 days and when it clears I still cant access my funds and my account was just fine no issues! This came out of nowhere and Chase has no explanation as to why I can not access my funds!!! So I have XXXX dollars no issues cleared in my account with no problems and cant access my funds to do what I have to do for me and my kids future is absurd!!!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

I purchased a home from in XXXX of 2023 through a lender named XXXXXXXX XXXX. However, my Mortgage was sold to Lakeview Mortgage. Apparently, through this process, my information was compromised from a data breach. The company mailed out a letter entailing the incident. Therefore, when I noticed a significant drop on my credited rating, I contacted the mortgage company ( Lakeview Loan Service ). Lakeview loan Services refused to help me resolve my issue. I was transferred to several different operators who refused to address the data breach issues. I demand to speak to a supervisor all they did was give me the run around. No one in their administration office or management contacted about this data breach.