davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXX # 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 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 an account without my written instructions. 

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convinctions 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 2022-11-11
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

someone opened MACYs credit card under my name ; that person charged {$1700.00} on XXXX XXXX. 
i sent letter to Macys. I received letter from Macys on XX/XX/2020 -- stating they received my fraud claim, but they have not completed investigation yet.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

All of a sudden 2 days ago i was unable to access Chase offers for two of my credit cards. The Freedom cards. I am still able to on my 2 other Chase cards ( business and XXXX ) emails, social media and two phone calls later and all i have been given is conflicting and wrong information, not to mention a waste of my time. One rep. told me they had to " refresh my account '' that accomplished nothing. The next one told me they ended the program for those cards, without notice, and then their Social Media rep told me that wasn't true. As usual with this bank, nobody knows anything, and all they seem to be able to accomplish is to ask repeatedly for my name and address and card number. A business would have to seriously make a concerted effort to provide more consistently pathetic customer service as this disgusting bank
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MO)

This is more of a letter to CFPB. I have filed complaints for the last 8 yrs. and CFPB has done nothing. After 8yrs. with OCWEN and XXXX XXXX XXXX XXXX. and, after all the lies, stealing, and cheating and a Judge that was just too tired to hear my case - OCWEN and XXXX XXXX. have managed to get my case thrown out. Mainly because even though Ocwen and XXXX XXXX. they have lied, stolen and cheated me personally and others nationwide, even though what they did was unlawful and morally wrong the law was on their side. And as many times I sought help from CFPB - you did nothing on my behalf or anyone else. I'm not bitter. I am a formidable opponent. My hats off to Ocwen and XXXX  XXXX  XXXX   XXXX. They had to spend 8 yrs and money and has to find a Judge that was willing to go along with them and lie, cheat and steal they were finally able to beat me. Ocwen should have been bankrupt years ago and the CFPB has tried to unsuccessfully to aide in that process and yet has been totally unable to, even though I have been here all along you did not even seek out my assistance or for that matter anyone else who has been ruined by this company. 
Anyway, that's all I have. Because of their corrupt ways I have been ruined. 

In closing I, see no reason for this office to exist. 

Thanks for everything, XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I submitted a request for Verfication of Debt as of this date I've yet to receive a reply. This collection agency uses two seperate agency under the same name but in different states. I sent two seperate certified letter with return receipt requesting validation of this debt. Either company has responded within required time to validate debt. Under the law stipulated the ( 30 ) day policy in which they had to remove this information from my credit profile. I recently was notified by credit bureaus that thy 're adding fees on a monthly basis.
Consumer complaint received 2022-09-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00}
Consumer complaint received 2020-01-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OR)

1. ) Our Section 184 mortgage loan was transferred from a 3rd party service ( XXXX ) back to " XXXX XXXX XXXX '' in XX/XX/XXXX. ( XXXX XXXX or XXXX is a subset or DBA of Mid America Mortgage . The link to see this information is XXXX XXXX XXXXXXXX ) 2. )  Despite poor handling of our mortgage by XX/XX/XXXX we had hoped that the transfer to a group that understood what Section 184 loans were would be a good thing. So far things have not gone well.

3. ) I have requested an escrow analysis for XX/XX/XXXX; my next mortgage payment in XX/XX/XXXX will throw my escrow balance beyond the 2 month " cushion '' that is allowed by law. The mortgage lender states that escrow analysis will not occur again until XX/XX/XXXX. 

4. ) There is a double withdrawal for the PMI from my escrow on XX/XX/XXXX. I was told over the phone that this was because the original 3rd party service group ( XXXX   ) didn't make these PMI payments in XX/XX/XXXX and XXXX  of XXXX. I have documentation from both XXXX XXXX XXXX and now our new service group ( XXXX XXXX XXXX ) that shows the payments were made. In my opinion this is an attempt to justify theft ; regardless I have evidence against the contrary. 

5. ) XXXX XXXX does not allow anyone to speak with their escrow department. They stated I can email them but emails that go to XXXX have thus far ( since XX/XX/XXXX ) gone unanswered. I received an email on XX/XX/XXXX from XXXX stating that it would be resolved in 48 to 72 hours. This has not happened yet. 

6. ) Attempting to contact XXXX XXXX customer service by phone results in wait times exceeding 1 hour every single time. The last time I was able to get someone on the phone they put me on hold and just hung up on me after 15 minutes. It has been a real treat. Regardless the lack of responsiveness is astounding.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

TO WHOM IT MAY CONCERN, Creditor Garnishment ( XXXX ) is taking my money from my paycheck since XXXX??? 

XXXX. When first time XXXX XXXX XXXX where I still work, told me that " XXXX debt collector '' XXXX VA XXXX... want to steal money from my pay check, I talk with them on XXXX with XXXX XXXX XXXX XXXX. She told me about some my Bank of America debt that I made in XXXX??? I have NO idea about that debt ... Then XXXX XXXX told me about some my credit card debt in XXXX ( XXXX ) that I also do NOT know ...??? 

XXXX. So I send mail to Bank of America in XXXX and repeat all of this information. I told to bank that last time I talk with Bank of America before XX/XX/XXXX, when I was ready to go back to XXXX and I did NOT have plan to come back in XXXX. So bank know that I will never again use Bank of America credit card and I did NOT. Bank of America send me mail back and did NOT send me any proof that I made any debt to them??? Since XXXX I do NOT remember that I get any mail from Bank of America that bank told me about my bank debt and since then I throw away my debit card... 


# Agency contact : XXXX XXXX card service??? XXXX. ) Paid to XXXX Chain XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX?? 

XXXX ) {$870.00} on XXXX. ( start on XXXX )??? GOAL : {$10000.00}??? Start date XXXX??? ( Case ID : XXXX ) XXXX ) Paid toward lien : {$2100.00} ( last deduction date : XXXX. ) Case ID : XXXX ; * ( XXXX. ) Creditor Garnishment ( XXXX ) XXXX XXXX GOAL : more {$6700.00}??? ( For now on XXXX they took total : {$3400.00} from my paycheck??? )
Consumer complaint received 2020-03-09
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. (RI)

Experian placed a fraud alert on my credit report. I submitted all necessary documents to have this removed on XX/XX/2020 yet it has not been removed yet. this is in violation of the FCRA.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Betterment LLC (TX)

Betterment offers investments and a savings and checking they advertise 1.82 % pay and I had {$30.00} and {$10.00} deposited on the 3rd. They say interest calculates and/or compounds daily. I was only issued XXXX cent of interest. I have other savings accounts where I had {$20.00} with 1 % interest rate at competitor banks and received. XXXX. It is an unfair practice that they are not advertising the actual rate. I have many savings accounts with different banks. This just doesn't come out accurate. And doesn't calculate to the near XXXX or XXXX cents monthly for an annual basis. APY
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

I just spoke with a " Supervisor '' who told me that my account was not closed for my payment arrangement it was closed by the bank. When asked for further explanation no answers were given. I again explained that I was setup online with a XXXX XXXX payment arrangement that states the account would not be closed due to delinquency while on this plan. The agent again stated my account was not closed because of the plan it was closed by the bank. This does not make sense to me,. I then check the message center on the mobile app to find a letter that states the account can not be reopened due to 1 or more missed payments in the last 12 months. That is what any other financial institution would call closure due to delinquency which is exactly what I was trying to prevent when I agreed to the payment arrangement on XX/XX/2023. The email on XX/XX/2023 from Citi bank stated that the first of five payments of {$250.00} was not due until XX/XX/2023. I made an early payment of {$250.00} on XX/XX/2023. I was shocked to see on XX/XX/2023 that my account was closed. I did not receive any calls or emails regarding the closure. On XX/XX/2023 I was told the account was closed due to the past due amount not being paid by XX/XX/2023. No where in any of the information I received states that I needed to make a certain payment by that date to prevent the account from closing. Had I received that I would have done so as I did on the XXXX. No one at the company is trying to hear me and everybody seems to be following a script. My total past due balance of {$630.00} has been paid in full and I would like for my account to be reopened. I don't understand how an online tool is provided for customers to use, but does not align with how Customer Service operates. I used to get multiple calls a day for consecutive days at a time into the weekend when my account would fall behind. Why did I not receive ONE call to let me know my account had fallen behind to the point of being closed? Any other institution would make sure contact was made prior to this happening whether it be a letter, email, call, and even text. Citi literally did none of this. If there was an issue with the dates the site/mobile app should have prevented such a great timespan in between when a payment needed to be made versus what was given to me. How was I supposed to know their cut off dates if it was not provided to me?? I went off the information that I agreed to and the follow up email that was sent to me with that same information. The payment plan was in place the same date that the account was closed which means the terms that I agreed to " If your account is open, it won't be closed for delinquency as long as you make your scheduled arrangement ''. My account was open, my scheduled arrangement date had not passed, yet my account was still closed.
Consumer complaint received 2020-03-09
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. (MI)

I have tried over 5 years now to rebuild my credit and my name from fraud someone using my name and credit. I have called every credit bruea and debt collectors but they have not done anything about it and the debt collectors told me well its my information when i wouldn't be of age to legally use my credit or name on anything but they still took money that i have worked hard for because of someone using my information. I have called the credit bruea and they have out a freeze on my credit but it still hasn't stopped it from happening. I have been fighting for my name and credit since 2007. I cant even get approved for a Secured card because of it. Please help me. Thank You
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (CA)

From XXXX to present date my account has been in deferment status yet my account has been reported as delinquent ( 30, 60, and 120 days past due ) on numerous occasions although it has continuously been deferment status. In addition, a remark was removed ( Fixed Rate ) in XX/XX/XXXX. All of which adversely affected my credit scores by upward of XXXX points form XX/XX/XXXX to present date.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY (TX)

Have filed my application for loan modification, have had my case turned over to more than 5 different people, all telling me the same thing, do not send any kind of payment in until we contact you to let you know all of the information, before you know it I was receiving foreclosure letters
Consumer complaint received 2020-01-15
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. (SC)

I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON XXXX, XXXX AND TRANSUNION. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am having an issue with XXXX reporting a charge card to my XXXX credit saying I am behind on an amount. I did previously have XXXX and as I stated to them they can see I paid everything on time. However, my phone was stolen and the person accessed many of my accounts including XXXX  and charged almost {$4000.00} dollars to my account! I had to contact my bank and close my accounts, I reached out to XXXX and explained the situation to them. They insisted there was nothing they could do but to reach out to the companys. Even with a police report they refused to help me with the account and the companys refused and sent me to XXXX. Ive reached out numerous times with no help. To the point theyve ignored my attempts. I disputed with equifax and XXXX and the accounts were removed. However XXXX refuses to remove it. Even with all the information Ive provided. Its ridiculous I had fraud happen and yet being penalized because of their negligence.
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient is my servicer and has misapplied my payments repeatedly. I have been adding an extra {$50.00} a month to my loan with the lowest balance. Their website allows you to direct extra amounts to the loan you choose but they were taking my extra money and allocating it differently than what I directed them to do. I contacted them, thought it was fixed then it appeared they started adding my extra payments to future monthly payments instead of the principal. I contacted them again and thought it was resolved and now for the third time, their website is telling me I don't have a payment due for 2 months in a row on one of my loans. Clearly they are misapplying the extra funds again because there should be a full amount due on both loans every month. I never have directed additional funds toward future monthly payments. I'm fed up with this service.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AL)

received auto loan in 2017 after hurricane Harvey the vehicle was a total loss due to water damage and uninsured motorists disputed account and it was removed from my credit report and later that year was traded to my report. My XXXX for a XXXX XXXX  car is extreme.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1600.00}
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/XXXX - received string of emails alerting me and confirming a new account being opened XX/XX/XXXX - received paper statement in mail XX/XX/XXXX - went to bank to explain that I didnt authorize the account to be opened ; got directed to their fraud department who found that my social was attached to the account XX/XX/XXXX - started calling financial institutions to freeze all accounts