davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

I discovered In XXXX of XXXX that one of my contractual monthly payments of {$2100.00} were misapplied to escrow account. I have been asking them to reverse this and correct it since then and they have failed to do so. This caused my 1098int to be in error as well. The 1098int showed I only paid {$370.00} in property taxes but in reality XXXX XXXX records show I paid in {$2500.00} which is big error. The amount misapplied over funded my escrow and this year ( XXXX ) they are claiming my escrow account was short and in the most recent Mortgage Statement they have increased my escrow by $ XXXX and are asking me to pay additional $ XXXX which is the shortage amount and my previous escrow was $ XXXX in XXXX and now its {$820.00} for XX/XX/XXXX statement. I am at this point requesting an audit of my account with Loan Servicer as they have never corrected the issues and are now demanding more monies from me. I have done some basic math for escrow and adding both of my Insurance 0f {$3600.00} and taxes of {$2500.00} give or take {$15.00} which comes to total of {$6200.00} divided by 12 equals {$510.00}. If there is a deficiency in escrow it should be calculated into future payments and not be billed all at once is the first concern, second is that my escrow account was over funded by {$2100.00} how can this be deficient. My account serviced by Rushmore Mortgage needs to be audited from XX/XX/XXXX and forward so basically last two years because of misapplication of payments. I also have been charged late fees for all of their errors and not reversing the misapplied payment. I have all of my notes every time I called in and who I spoke to and what I was told date and time stamped. Please Help as they have continued to say account is correct but yet it is not.
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/2020, I was notified of a collection entered on my credit report in the amount of {$490.00}. 

I did not recognize the charge. I have been a victim of identity theft in the past. 

I disputed the charge and the dispute is in progress. 

Today, I was notified that the collection was put back on my credit report. The collection agency did not respect that the dispute is in progress.
Consumer complaint received 2023-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have an interest only HELOC on my house. It is in second lien position. I have had a significant reduction in income this year. 

I made a payment on my past due balance in XX/XX/XXXX - attaching proof of payment to this complaint. Citizens Bank applied this amount to principal only, not the past due balance. I called to have them fix and they would not fix. 

I then made another payment on XX/XX/XXXX. and the same thing happened again. I have called multiple times regarding this issue- with no help. I just keep getting transferred to different depts. 

I want these two payments applied towards the past due balance. 

I have attached the payment schedule from Citizens bank as well as the current statement. These payments were applied to principle on XX/XX/XXXX and XX/XX/XXXX- they should have been applied to the past due balance. 

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$430.00}
Consumer complaint received 2023-09-21
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. (TX)

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 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

During covid I was promised a loan modification on my mortgage on the house I own, awarded to me by the judge in my divorce. The mortgage company I called over and over ran me around in circles with different stories each time I called to make a payment. It started with, " We don't have any divorce decree from the judge. We can not accept payments. '' Then turn around, " We have the modification package ready for you right here we are sending it in the mail now. '' It never arrived. I call and ask what's going on and get hit with yet another story of why they couldn't accept my payments. Meanwhile interest is adding up, and pretty exponentially I will add. The many times I call to figure it out no one gives me any direct answers, and of course I am frustrated. In an escrow account I had the funds to pay off at least 5 % of the damages caused through the whole run-around, and they still refused to accept my payments. I had to file bankruptcy in order for them not to take my home in foreclosure, which was entirely due to self-inflected usury. Not to mention my credit is ruined, and most importantly my morale. They filed an objection to my bankruptcy, which now they've withdrawn for some reason? I believe usury and forced foreclosure may predominantly lie as that reason. I believe this company will sit and wait, as they have, till I no longer have any fight or ability, and then try to get the property and any equity they can for themselves. I have since researched that this company has forced thousands of smaller class people such as me into this position, doing exactly that. I do not appreciate being taken advantage of, and no matter what happens next, it will take years of my life to get back on track due to the damage this mortgage company has greedily inflicted on me.
Consumer complaint received 2024-04-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc. (VA)

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 USC 1681., XXXX XXXX XXXX XXXX XXXX NCB MANAGEMENT SERVICES XXXX XXXX. 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. As a result of this the original creditor XXXX XXXX XXXX sold my debt to NCB MANAGEMENT SERVICES. Now I'm getting sued for a debt that was charged off. XXXX XXXX XXXX won't send me the charge off letter to dispute the claim.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (IL)

I contacted Regions bank on XX/XX/XXXX about unauthorized charges. The bank filed the dispute and cancelled my old card. Well I had to contact the bank again on XX/XX/XXXX and XX/XX/XXXX. The bank is coming up with every excuse to issue a refund I need my money back!
Consumer complaint received 2023-11-20
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. (TX)

XX/XX/23 transactions {$15.00} {$10.00} {$10.00} {$11.00} {$11.00} {$11.00} {$15.00} {$15.00} {$20.00} {$20.00} {$25.00} {$30.00} {$46.00} from XXXX. I didn't authorize any of these charges. I called the bank to dispute and they put the money back in my account, then reversed the charges saying their investigation was complete and that the transactions were indeed made from my account. 
I told them I never made these charges and they said I have to prove I didn't. I asked how I can prove that I didn't make the charges. My XXXX account shows no charges on my account and I said I can send them these screenshots and they said I have to wait 15 days for a packet of info to arrive at my address and that will show me how to dispute these charges. But the packet I received 30 days later only said that Chase deems these transactions to have been authorized.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CO)

My identity was stolen someone used my information to open a credit card by the name XXXX XXXX XXXX AND THE DEBT AMOUNT WAS SENT TO DEBT COLLECTOR BY THE NAME OF XXXX XXXX ASSOCIATES ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (FL)

Please consider this as my formal complaint to the ENHANCED RECOVERY CO L for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I am resubmitting this complaint as the last complaint did not get sent to the company, and the issue has never been resolved. This is not a duplicate complaint! CITI bank closed my CITI XXXX credit card account in XX/XX/XXXX and just before that, Citi charged a {$95.00} annual fee for my CITI XXXX card for the year XX/XX/XXXX to XX/XX/XXXX on XX/XX/XXXX. CITI has sent a letter confirming that the {$95.00} annual fee will be refunded in the subsequent statement ( see attachment highlighted in yellow ), and Citi Bank has a policy to refund all annual fees if the card is closed within one month after the annual fee is charged. I have called CITI customer service several times and got confirmed by the different agents about this annual fee refund policy. I already paid this annual fee of {$95.00} from my linked XXXX XXXX account on XX/XX/XXXX. Until now almost 3 months I have not received the {$95.00} annual fee refunded to my credit card account. I have called CITI customer service many times, and each time the CITI agent promised CITI would refund the annual fee within 3-5 business days, but the refund never arrived. I think CITI should value integrity and do as you agreed on writing. Please refund the {$95.00} annual fee of my CITI XXXX card to my account immediately. Thank you!
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX I received an email from capital one stating, I was approved for a new credit card. However I never applied for one. Than I received an email my phone number had been updated! Fast forward XX/XX/XXXX, I received an email that my card is coming in the mail on XX/XX/XXXX. However I never applied for a credit card!
Consumer complaint received 2023-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (KS)

I had previously requested to be put on the do not call list. I have to pay with my social security check and it comes after the XXXX of the month. They state that I can not change the due date. When I get my check electronically, I try to go online and pay this bill and most of the time the website gives me an error " Network Error ''. This means that I can not pay the bill at the time that I get my money. This results in 5-10 days of added high interest on the loan every month. I have been on hold a total of 30 minutes so far this morning trying to pay this. It has taken 3 phone calls and each time I am put on hold or told that I am calling the wrong department. I am calling the number they list on their website as the customer service line. This has been going on since they had a technology breech and switched the manner in which the bill is paid to a PC rather than the consumer 's cell phone.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am writing to request clarification regarding a concerning issue with my credit report. As a current student, I believe that my student loan which should be in deferment status, in accordance with the applicable laws and guidelines. However, I have noticed that this loan has been consistently having a negative impact on my credit score as reported by Equifax. I am seeking an explanation as to why my student loan, which should be in deferment status, continues to negatively affect my credit report. It is my understanding that according to the law, a student loan in deferment should not have an adverse impact on one 's credit score. I would like to request a detailed explanation as to why this issue is occurring and how it can be rectified. Additionally, I am eager to receive guidance on the steps I can take to ensure that my credit report accurately reflects the deferment status of my student loan, as mandated by the relevant regulations. I appreciate your prompt attention to this matter and look forward to your timely response. 

Reporting INFO : Between XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX your DEPT OF ED/XXXX student loan account balance increased by {$120.00} from {$24000.00} to {$24000.00}. 

It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Im being hacked and stalked by a XXXX  XXXX hunting ground. I opened a FBI case in XX/XX/2022, the FBI wont help me. XXXX hacked. My credit card is hacked. My bank account both a previous one at chase was hacked and stolen from and now my current one at a department of XXXX bank is hacked and stolen from. 
My email and phones and computer are all hacked. 
When calling the credit card company or bank chase, the hackers transfer me to a hackers call center, so I never can get this issue resolved.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

This account has a last payment date of 2010, when it was settled for less than the full balance. This account should be seasoned/aged off my XXXX, and XXXX credit bureau 's since this account is over the 6 years and 6 months since last activity. This reporting is in violation of the XXXX system, since the XXXX credit bureau have seasoned this tradeline off my XXXX credit report. I would appreciate your help in having this trade line removed from my XXXX and XXXX credit bureau Thanks XXXX XXXX
Consumer complaint received 2023-05-05
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. (PA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX show 4 different statuses for 1 account. I have submitted whistleblower protection due to identity fraud and false allegations being used in court to obtain my property and destroy my credit. Due to some incorrect information being submitted on my behalf to agencies that were suppose to look into these problems not condone frivolous allegations, I suffered irreparable damage to my credit and identity. I have enclosed a copy of where I could not get a police report for theft and the response I received in 2020 when the ftc complaint was filed.
Consumer complaint received 2023-03-17
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. (MI)

bankrupcy is being reported on my credit report. Bankrupcy # XXXX. I have contacted the court and the do NOT provide, share information with third party credit agencies.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I own a company, I zelled myself money from my business account totaling {$1900.00}. One day I was locked out due to fraud reasons, I was told I would receive a letter, that was over two weeks ago, I have not received this letter, and upon further investigation on my end, I came to find out, that Citi bank does this a lot to people. I only had the account open since maybe the first week of XXXX of 2024, after about a week, I was locked out of my account and couldn't access any funds. The bank isn't helping me on this matter. I want access to my money. I have called 5 different times and got through to the security department, and the fraud department tried saying the other department is the one to help me, basically giving me the runaround and not transferring me to a supervisor. Today is XX/XX/year> and I still have no access to my money, I have been locked out since the XXXX, and that's when I tried to access the funds. On XX/XX/year>, I tried to call Citi Bank and that is when I was transferred from department to department, I was unable to get help or this resolved so I contacted my bank for help. On XX/XX/year>, my bank told me to contact the XXXX number on the back of my card and dispute the transaction, unfortunately, they were closed and I had to call back Monday morning and I did. My bank started the dispute, however, it was denied today.
Consumer complaint received 2023-04-19
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.