davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

At the end of XX/XX/2020 we received our XXXX statement in which it showed our mortgage payment was increasing by $ XXXX. When we called they stated that it was due to an escrow analysis and the escrow account was short so we needed to pay back into the escrow and also the escrow for the year ( 2020 ). We asked for assistance in an adjustment due to the fact that $ XXXX increase in the middle of a pandemic is a financial strain on our family. They stated that they did not have the homestead exemption on file and we needed to send this to them so that they can make an adjustment that was properly calculated as at the moment they were over calculating our escrow amount. We sent them the trim notice on XX/XX/2020. We received receipt notice from XXXX of our trim notice being received on XX/XX/2020. It has been over 5 months and we have yet to have this resolved. We spoke to an escalation supervisor on XXXX by the name of XXXX XXXX and she stated we needed to start the process again and submit the trim notice again and request the escrow analysis again because they never processed our initial request. This is ridiculous and it is causing strain on our family that is already going through a financial hardship.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I have been unemployed due to COVID from XX/XX/XXXX to  current. On XX/XX/20 I logged onto my UI accounton the Georgia Department XXXX Labor website and saw that money was being added to my account for unemployment benefits on a Way2Go Debit card that I had not received. I checked and my card had been mailed to an old address ; therefore I never received it. I have now updated my mailing address on the XXXX website. However, there is not an option to have a new card mailed to me at my correct address. The number for the Way2Go debit card given to call to ask for a new card or submit an issue with a lost/stolen card, does not work. It says it does not recognize my account after I enter in my SS, birthdate, and correct pin. It then hangs up on me. I've called again three times today, XX/XX/20, and I still can not request a new card to be mailed to the correct address so I can receive my funds. The XX/XX/XXXX websiteon my account says that a total of {$6700.00} in benefits has been added to my account. Iam simply requesting that I get a new card mailed out to my correct address so I can receive my benefits.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

problem with security freeze. I am trying to refinance with XXXX XXXXf XXXX XXXX, they have attempted to get my report several times and can not. after repeated phone calls and internet. the problem is with Experian. there agents tell me there is not a freeze but there is .they check and can not find problem. sent letter and responded dated XXXX does not display a freeze. after and hours put twice on hold for to speak to a supervisor with no response. they are the worst company to deal withXXXX XXXX XXXX XXXX had same problem in XXXX of XX/XX/XXXX. .experian dose not or will not fix the problem was told 3 weeks ago they would send problem to there it department, still no response. still waiting for call back from supervisor XXXX. one agent found that part of there system showed a freeze but other areas do not. this problem is causing XXXX  and not able to get refinanced.
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (PA)

Good Day I am XXXX XXXX, XXXX, XXXX. 
Prior to XXXX, i make a reservation at the XXXX XXXX in XXXX, XXXX, a XXXX XXXX, The reservation was made with a Platinum American Express Card and a charge for XXXX XXXX 's was paid. Because of XXXX, we were not able to use the reservation and the hotel issued a voucher for us to use. We however, were not able to get back to XXXX and the Hotel was changing ownership. The hotel staff offered to transfer the XXXX XXXX to american express via an XXXX number and XXXX  number. I went on the Amex web site and got the information and forwarded it to the Hotel. All of this correspondence is via email. The hotel transferred the money to XXXX  number XXXX on XX/XX/2022 and was received by XXXX XXXX on XX/XX/2022. When i checked with American Express as to whether the funds were received, they told me that they do not deal with XXXXXXXX XXXX only XXXX XXXX and gave me a different XXXX  number. XXXX. I called XXXXXXXX XXXX and although very nice, they were unable to help in matter and suggested that the Hotel recall the transfer and reissue the refund to the new XXXX number, The Hotel financial staff, again were very nice but said they were unable to recall the transfer and that there was nothing else they could do. 
The funds are sitting in an account at XXXX XXXX that i am unable to access. I am looking for an next step to get my XXXX XXXX back.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Hello!! 
For the past 3 months, I have contacted all 3 major credit bureaus throughout my break and lunch, to try and have the freeze, block and fraud alerts removed from my personal credit. Unfortunately- I have to force myself to take time to do this- because I am an essential worker. 

I have been told by representatives at the bureaus they have been removed the information However, I tried to obtained financing and I have either been denied because they cant verify my information or I have been told to go back to the bureaus and have the freeze or block removed from my credit. 

Again- we are going on 3 months!!!
Consumer complaint received 2020-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NY)

I use the service digit to help me manage my savings. Its linked to my PNC checking account, I recently forgot my password to that account and locked myself out, now I am unable to restore the connection between my bank and digit because its saying that PNC no longer allows this. I have money in my digit savings account that I now dont have access to
Consumer complaint received 2022-09-15
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. (TN)

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. Experian and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Experian, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. XXXXXXXX XXXX XXXX-Act # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX-Act # XXXXXXXX XXXX XXXX-Act # XXXX XXXX XXXX-Act # XXXX XXXX XXXX XXXX XXXX XXXXAct # XXXXXXXX XXXX XXXX XXXX-Act # XXXX XXXX XXXX-Act # XXXX
Consumer complaint received 2020-08-10
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. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX XXXXXXXX {$32.00}
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (WI)

I have contacted Caine & Weiner regarding this debt but I have been unsuccessful. They are unable to provide me with any information regarding where the original debt came from. The amount of the debt shows on my credit report is {$580.00}.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XXXX XXXX XXXX XXXX in XXXX Ny I purchased a 2013 XXXX XXXX XXXX XXXX and the price went for {$12000.00} but during negotiations and at signing the car jumped up to {$15000.00}. I gave XXXX XXXX salesman ) {$2000.00} as debit but on the contract he placed it as " XXXX ''. I was in such desperate need of any kind of car that I signed the contract in distress. I would appreciate if someone would look into this matter to make sure that this practice was legit.
Consumer complaint received 2020-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I open a CD account for my XXXX XXXX XXXX child, she is now XXXX XXXX XXXX and wanted to cash the CD and closed the account. She contacted the branch of CHASE Bank that has her CD and was given the appointment of XX/XX/XXXX to meet the banker. At the appointment time while she was with the banker some customer walk in the branch, did his transaction at tiller and on his way out started talking to the banker who was assisting my daughter, banker stop assisting my daughter and started speaking to that customer for 10+ minutes while my daughter company by her mother sit there helplessly. After finishing talking to that customer banker got back to them and told them that she need to email different branch for the availability of her CD founds and in a day or two she will call them to come back. 5 days pass no call, so we started calling the personal or business phone number banker provided, no answer and the banker voice messaging was full unable to leave the message, so we started calling the branch main line number which also was not answered and instead has out going voice message ( which is still active until the last couple of days, even though i brought to the attention of the banker ) " Branch is temporarily Closed '' while branch is open, the only option customer are left with unnecessary trip to the branch to see the banker of if branch is open. On XX/XX/XXXX I called CHASE customer line and complain the issue, with in next few hours the same banker call and made verity of excused and said the branch manager is aware of the situation and we working on it, and we are not going to steal your money, its just the system that is not allowing me to close the account. Today is XX/XX/XXXX called numbers of times within past 2 weeks, no one is taking the call, and can't leave the message and the banker never follow up with us to explain what is the hold.
Consumer complaint received 2021-02-06
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. (NY)

I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero results.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Current address is showing with a unit number but this address does not have a unit number. Disputed address with experian and XXXX and update did not remove unit number. 
XXXX XXXX XXXX XXXX  ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address
Consumer complaint received 2020-08-10
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. (TX)

I have sent multiple certified letters to the bureaus in regards to a charge off account that is showing on my credit report by the name of XXXX XXXX. According to the Fair Credit Reporting Act as a consumer I am able to request proper validation that proves that this account belongs to me. The bureau has failed to provide me with any physical evidence that shows that the charge off belongs to me, yet the account is still causing harm to my report. The only " proof '' I receive is what I can already see on my credit report which is the charge off amount. No signatures, the original amount, etc. I keep getting a response stating the charge off is valid, with no proof. I have demanded deletion of the account.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH mortgage assumed servicing of my mortgage in XX/XX/XXXX. Servicing included mortgage payment as well as home insurance and property taxes, payments for which were held in escrow. 

PHH failed to pay our home insurance before it expired on XX/XX/XXXX. According to them they attempted to contact our home insurance company in XXXX, which is after the policy was set to expire. Our home insurance policy lapsed when PHH failed to pay the company. By the time we realized that PHH had not paid to renew our home insurance we had to pay an extra {$80.00} of increased premium to get a new policy on our home. 

On XX/XX/XXXX PHH sends us a letter saying we had lapsed coverage and is informing us we will be charge {$170.00} for the lapsed coverage. Attempts to contact in PHH to dispute the charge resulted being transferred to one call center supervisor after another despite asking to speak to a supervisor at PHH. After an hour spoke to someone who said she was in the insurance department ( Her supervisor also could not be reached ). Of the 10 people I spoke to, none at PHH seems to be aware that PHH has to pay escrow obligations timely. 

PHH has cost us {$80.00} in increased policy premiums now wants us to pay {$170.00} for their negligence. There is no way to contact anyone in this company when they threatened to confiscate money from your escrow account. They should not be licensed to handle people 's money.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022, a charge was made for {$2600.00}. I never received the product and I called the company to file a complaint. The representative told me that they will credit my account. Then I received my credit card statement from XX/XX/XXXX to XX/XX/2022, and the charge was on the statement. I called the company back and they told me that I must go to the police station to file a complaint. I did not file a complaint with the police because I didn't know what to file. Now my credit score has been adversely impacted.
Consumer complaint received 2020-08-10
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: Receivable Management Group, Inc. (GA) (TX)

I have a loan with XXXX ( Original Creditor : 01 XXXX XXXX ) and REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : 01 XXXX XXXX ) and REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I was approached by a person I did not know and forced to deposit fraudulent checks totalling {$980.00} into my bank account. I was then forced to withdraw {$980.00} in cash. 

The same day, I called Bank of America to inform them of the fraud and theft, filed a police report, submitted an FTC report, and began the process of submitting a claim through Bank of America. The claim was closed on XX/XX/2022 and was not resolved in my favor as footage shows me making the deposit and withdrawing the money myself. 

However, as my police report and FTC report indicate, I did not do this willingly. I was threatened with XXXX and cornered in a small space alone with a person I did not know.