davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Roundpoint Mortgage acquired my mortgage from XXXX XXXX in XX/XX/XXXX. 
I called and ask a customer service representative XX/XX/XXXX if I could remove the escrow and pay it myself. I received a check for {$2700.00} on XX/XX/XXXX, check # XXXX for an escrow refund. I also received a letter from Roundpoint dated XX/XX/XXXX stating as of XX/XX/XXXX I would no longer have an escrow account and that my mortgage payments would now be {$560.00} for the principle and interest only. I have paid the mortgage amount {$560.00} on time since then but their billing statements and my on line account still reflect I owe escrow, so they charge me for partial payments and late fees. I have spoken to customer service reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this. They called me on XX/XX/XXXX and had me give them my checking account information and took {$1600.00} that day to apply the late fees they said I owe. That confrimation # XXXX On XX/XX/XXXX I received a packet from Roundpoint with information how to avoid foreclosure. I do not know what to do anymore.
Consumer complaint received 2023-07-18
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. (WI)

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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-05-30
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. (AZ)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Nissan-Infiniti LT , and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation (IN)

I have been contacting Albert since XXXX XXXX declined my transfer and my money still hasnt been added back into my account. Every time I reach out to Albert its always a different story about where my money is. I sent over the document that they asked showing that XXXX XXXX said they never charged the card because the transfer was voided out and the money was returned to the card ending in XXXX which is my Albert card but Albert keep saying its not there. Date was XXXX at XXXX amount is XXXX
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. ()

On XX/XX/2023, I used XXXX XXXX to send money transfer from my XXXX XXXX  ( XXXX  ) account to my USD bank account with BMO Harris. The money was paid on the XXXX and I was expected to receive it on XXXX XXXX. This is not the first time Ive done this- Ive done these transfers multiple times with no issues! I called XXXX XXXX and the money was delivered promptly. I then called my bank multiple times and they said multiple times they couldnt track my deposit of XXXX $ XXXX however when I finally provided a reference number to the supervisor they say that they are holding my money due to OFAC- however this is not the first transfer I make- and I am sending the money to myself so why would I get a hit. They dont respond my emails and they are not able to give me a timeline on when I get my funds released- I was doing my transfer to pay for school, and I dont know why my bank is not releasing the funds- they havent asked me to confirm any details. I already submitted a license application with OFAC but I know my bank can push through and expedite this case!
Consumer complaint received 2023-06-15
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I just started banking with Chime I used thier pay any one feature had funds sent to a contact in my phone they never received the transfer off XXXX I called them and they said that that person had a chime account before on the website it says the recipient can receive money via XXXX XXXX XXXX etc. That person never recieved a conformation text saying I sent the money. He no longer has a chime acct and wanted the money to go to his active checking acct with XXXX XXXX XXXX was never given an option on how he wanted his funds recieved on top of that there stating it going to take 45 days to dispute the transaction not fair when your not giving people the option on how they want there money to go now im out off XXXX I had to pay this person with more of my money that I dont have its very misleading
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

I first made a fraud claim in XX/XX/XXXX. On XX/XX/XXXX, I was credited for the XXXX charges that were not mine. A charge for XXXX in the amount of {$790.00} and XXXX {$210.00}. I never received any correspondence in reference to the fraud claim. I never received a new card in the mail either. When I logged into my account in XXXX, there was a note on my account saying that my card is locked and to call the customer service number. Customer service said the lock was placed by another department. I called and spoke to someone who said they put lock on account and that it will stay there until investigation is finished. 
On XX/XX/XXXX, the XXXX charges were placed back on my account. XXXX charge for XXXX {$790.00} and XXXX for {$210.00}. 
On XX/XX/XXXX, a duplicate charge for XXXX at {$790.00} and XXXX for {$210.00} were charged to my account. 
On XX/XX/XXXX, another XXXX duplicate charges were placed on my account for XXXX at {$790.00} and XXXX for {$210.00}. 
My credit limit is XXXX, with these charges my account balance is now {$3200.00}, which is {$1900.00} over the limit and this information has been reported to the three credit bureaus. 
My actual balance should be approximately {$120.00}. 
I called XX/XX/XXXX, XXXX, and XXXX, XXXX to resolve this and I was sent to fraud department each time. I have been assured that I would get a call back regarding this matter and I never did. On XX/XX/XXXX, I called again and they said my fraud claim was closed and did not provide any other information. I had to beg the customer service representative to allow me to speak with a supervisor. She kept advising me that someone would call me back but no one ever does so I insisted on staying on the phone to wait for XXXX. The representative refused to let me speak to a supervisor repeating that " no supervisor was available '' XXXX times to me. I have received minimal help in resolving this billing/fraud error.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

When I pay a minimum payment on Synchrony Bank Care Credit they apply that to the NEXT month 's promotion that is due, not the one that is expiring within a week. If you want that payment applied to the promotion that is expiring in a week as opposed to the next month they won't do it as a matter of course. Rather the credit card holder has to contact them and request the payment be applied to the payment due. For example when a payment is made on the due date of XXXX, Synchrony will apply the XXXX payment to a promotion expirig on XX/XX/10 ( the next month ) leaving the XX/XX/10 promotion due and subject to interest on the ENTIRE original purchase amount. This practice is deceptive and a clear way they are trying to trick consumers in to paying interest on a payment promotion that they were intending to pay off with the payment they just made. This company should correct this sneaky practice and as a matter of standard practice apply the payment to the closest promotional due date. It seems like what they are doing really should be illegal if it isn't already it's clearly a way to try and trick the consumer who thinks they paid off a promotional balance.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

First never got any written notification sent to me about this alleged debt, then sent a letter to I.C. System, inc on XX/XX/XXXX  about an alleged debt on my credit report and asked if they could send me information about the debt and the response letter on XX/XX/XXXX  was they could not find any information with my name attached to that debt. Waited several weeks and still it remains on my report, called around XX/XX/XXXX  to follow up and again ask to send me information and the original contract and was told there wasnt a contract it was a verbal agreement but yet still have not received anything nor has it removed from my credit report.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Since XXXX I have been the legal and medical POA for my mom, who is suffering from XXXX XXXXXXXX. She has an account at Bank of America which her 2 pensions are electronically deposited into. In XXXX I drove one hour to the BOA XXXX XXXX, IL branch, which is the nearest branch to my home. I had a copy of the POA and my valid DL and other identification info. I was turned away because the POA was not original, it didn't have 'wet ink '. Since that time, I managed my mothers BOA account online until XX/XX/XXXX when I made another effort to have the POA accepted at BOA. I drove again to the same XXXX XXXX XXXX ( the branches do not answer the phone, the only way I've been able to make contact is through booking in person online appointments. ) only to be told I needed either a " wet ink '' copy or 'certified copy '. I asked if they would call my attorney ( who was also my mother 's attorney ), who had prepared my mom 's POA document and the branch manager refused. I called my attorney and he had never heard of such a request and said they legally had to honor the POA, regardless he prepared a letter of authenticity, he signed it and had it notarized. I drove 1/2 hour to XXXX to pick it up and 2 days later I drove back to the BOA XXXX XXXX office and presented to the same branch manager. He stated this is what they were looking for and had me take a seat while he forwarded to legal. After waiting an hour ( literally ) I was told 'legal ' was still not accepting it and they would not give me access to the account. I asked for a number for myself or my attorney to call to try rectify the issue, but the manager said he couldn't give me any more information. BOA has since blocked all online access to my mom 's account, so I/mother no longer has access to her funds. My attorney has stated I should do everything possible before initiating legal action. On XX/XX/XXXX I was appointed 'legal guardian ' of my mother by the XXXX XXXX XXXX XXXX XXXX XXXX . To top it off, on XX/XX/XXXX I received a call from XXXX XXXXXXXX XXXX who was investigating a complaint of alleged adult financial abuse. After several questions about transactions only from my mothers BOA account it became clear the complaint was filed by BOA. The questions included why did I spend my mothers money at a pet store, my answer was to purchase dog food for her XXXX XXXX XXXX that has lived with me now for more than a year. After several other questions, and the XXXX agent patiently listening to my frustrations with BOA, I believe the case/complaint is resolved with no wrong-doing on my part. I filed for legal guardianship of my mother, which I received in XXXX of XXXX ( I have attached a copy for your record. ) I still do not have access to my mother 's funds ... which she needs!
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: LEXISNEXIS (MI)

Late last year I noticed some incorrect information on my credit report. I took the time to contact the Credit reporting agencies to correct all misinformation but to no avail did that happen. I was notified to contact the company of Lexis Nexis to correct any and all instances of misinformed data that they were providing. I contacted Lexis Nexis approximately 3 times to rectify the situation and not once did they do all that was instructed of them. Their " investigation '' was not correct. I asked them to remove all names, addresses, phone numbers, and emails not associated to me. On my second request I received a report dated XX/XX/2023 in which my report went from 96 incorrect names and addresses that was on their XX/XX/2023 report to 20 incorrect names and addresses. They still had not removed all of the wrong information. I then sent them a dispute stated that my information was still incorrect. I received a report dated XX/XX/2023, and it shows they added 25 incorrect names and addresses. I'm reaching out today to ask the CFPB to uphold 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 ) 2 : ... states a consumer reporting agency can not furnish an account without my written instructions.

I have repeatedly asked that this information be updated but in no way shape or form has anything happened the way I asked. I also have opted out of all the secondary credit furnishing companies including Lexis Nexis.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (VA)

The data for this account " XXXX ' appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reviewed the documentation related to the aforementioned account, and it has come to my attention that the charge-off entry is incorrect. I have never received any written validation notice as mandated by USC 1692g. Furthermore, the accuracy of the charge-off entry itself is questionable and could potentially be a violation of 15 U.S.C. 6801, as there has been no prior notification of any charge-off proceedings. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 


I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.