davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

In XX/XX/2021, my new mortgage servicer, Flagstar Bank, sent a letter stating that my homeowner 's insurance was not up to date and that I needed to submit documentation of the insurance. This was after my mortgage was sold/transferred to Flagstar from a previous servicer. I submitted the requested information on XX/XX/2021 showing that my HO6 homeowner 's insurance was active and up to date. I received an email stating that my submission had been received, and no further communication from Flagstar. 

In early XXXX, I learned when checking my account online that on XX/XX/2021 Flagstar charged my escrow account {$2300.00} for " Wind Insurance '' from the provider " XXXX XXXX XXXX. '' I have never received any policy documentation or explanation of the charge. 

I called Flagstar Bank on XX/XX/2021 to ask what this charge was about. The representative stated that the files indicated that the " Master Policy '' from our Condo association appeared to have expired and that this " wind insurance '' charge was to account for it. I immediately sent Flagstar the Condo policy, which was not expired. That policy year runs until XX/XX/2021 ( it has since been renewed ). 

Despite the fact that the condo policy was not expired, and I acted speedily to comply with all the document requests from Flagstar, they have not rescinded the inappropriate {$2300.00} insurance charge from my escrow account.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (IL)

This company gives me a different tune every time I call to pay my bill. I haven't paid because I do not trust giving my information and having them take money when they want. This is old debt anyway. I don't have money right now because of this worldwide crisis that is going on.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Check Recovery, LLC (NC)

I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (GA)

I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was 30 dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found 1 payments that appears to be made in XXXX and 2 in XXXX that verifies I was on time. I have attached the proof documents to this complaint.
Consumer complaint received 2021-08-06
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)

XXXX XXXXXXXX XXXX XXXX. 
- Closed 16 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$24000.00}
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (UT)

they had misspelled my email, it is XXXX and not XXXX. I also have multiple accounts with Discover and their app doesn't allow a user to view more than one account. To my knowledge I had not used the card so I never checked that account and since I wasn't notified of a payment due I had no way of knowing that there a subscription that had been placed on that card.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION (TX)

I gad a navy federal credit card the payments were being made through my business account. I raised the monthly payments up to {$300.00} per month to pay the card off. 
After a year or so months. I called to see what my balance was they told me it was XXXX something. I went to the Navy federal branch in XXXX Tx asked for a copy of my statement. I saw several items that were fraudulent. I was told to call the credit card department. I called them and express my concerns or the fraudulent items. I was told that they were over 60 to 90 days old that I had to pay them. I explained to them that they were that age due to me having never receiving a statement. I was told they send statements out every month. I asked them where were they sending the statements. 
Since I was paying through my business and lots of cash was being made I never gave them a place to send statements. When they checked she agreed with me that they didn't anywhere that they could have been sending the statements. They then asked what was my address so they could send me a paper to sign to dispute. But in actually they were using it to confirm with the credit bureaus that it was legit. I continued to pay what I knew that I used which was {$4800.00}
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 27 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. It's XX/XX/2021 and I have yet to receive an update.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

Hello I am making a complaint against two debt collectors & their information can be found below. First the account with the balance of {$520.00} is inaccurate. The past due balance was nowhere near that high, I asked how they came to that balance but the debt collector refused to give me that information. The second account with a balance of {$63.00} was paid in full with the original creditor but the debt collector is still trying to collect on the balance. 

Collection Accounts : Debt Collector Name : AFNI Balance : {$520.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Debt Collector Name : XXXX XXXX XXXX Balance : {$63.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/2021, I received a notification through my XXXX  credit notification services that I had a limit decrease on one of my accounts, which was my JC Penney store credit card. The notification said at that time I had a credit limit reduction to {$500.00} from the original {$2500.00} limit. I called the credit card parent company, Synchrony Bank, to attempt to remedy the solution. Initially, the first response was that I was notified by mail. I informed them I was not ever notified and that the only way I found out was through my credit notification service and that I was notified Sunday. They put me on hold for a significant amount of time, only to return to me with the answer that it was automatically reduced because I hadn't used my card in a long time. I asked them is that not grounds for notification still? They would not give me an answer, but offered to file a complaint for me and what would my desired remedy be. Initially, I wanted to close the account, but then I decided that I want my account returned to its initial approved limit and possibly the limit increased as a remedy. I was told that my credit limit reduction was final and any change was subject to credit approval. I informed them that this was a violation of the CARD Act and that I had not been given the 45 days notice for the change, but I was still informed that my credit limit reduction was still final and they would consider a possible increase, but no return of my original limit.
Consumer complaint received 2021-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Consumer complaint received 2021-08-11
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)

this message is regarding CHASE BANK Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Banks are not supposed to hold their clients liable for fraud. I am submitting this report to the consumer financial protection bureau because Chase bank refused to protect my account from fraud. After recently opening a checking account with them, my debit card was used for a series of transactions without my knowledge or permission. I notified them on XX/XX/XXXX and they opened a claim. They closed the disputes and charged me back for the provisional credit of the claim, stating that I was responsible for the charges even though nothing was received by me, nothing delivered directly to my hands, and the charges are fraudulent. 

Banks are not supposed to hold their clients liable for fraud. They told me there was nothing I could do. I filed a police report and contacted the merchants to let them know the cardholder ( me ) did not authorize the charges, with no success. I am hoping that the consumer finance bureau can contact Chase in regard to the following claim number and ask them to reopen the claim and return the money that was stolen from my account by fraudulence. A woman named 'XXXX XXXX from their claims department ( XX/XX/XXXX around XXXX central time ) told me there was nothing they could do, after asking to speak to a manager repeatedly she told me that a manager would not change the outcome of the claim. The line was recorded and I hope the conversation is able to be submitted for review. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX attached is the print out page from the USPS for the package which was not delivered to my hands. I never received any merchandise from this retailer and implore you to help me get these disputes resolved with my funds safely returned to my bank account. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX XXXX related to Account ending in : XXXX
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to XXXX XXXX XXXX states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

Today is XX/XX/2021. 
LoanCare/XXXX  is my mortgage servicer. They are holding {$7300.00} in escrow funds and are refusing to make a tax disbursement of approx. {$2900.00} that was due on XX/XX/2021. They said this is handled by a 3rd party company called XXXX and they can't control them. I will be charged a late fee from the town and this is holding up my refinance. I will also incur rate lock extension fees as we are waiting for LoanCare to pay my property taxes. I have called 5 times this week with no resolution. Horrible company. I'm sure this is happening to thousands of people across the great state of NJ.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MA)

I was unaware that the terms of the loan were like this. The amount i pay biweekly is barely getting applied to the loan principal. The interest rate is a triple digit number. And after speaking with a representative the dollar amount gets higher after each payment and just digs you deeper into debt. I had no idea i would pay so much and if i did would not have signed the online forms. You pay 4 times as much as you borrow and interest rises everyday at an extremely high rate.
Consumer complaint received 2021-07-27
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. (NJ)

Be advised that on XX/XX/2021, XXXX XXXX obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have filed multiple disputes with Equifax regarding fraudulent inquires on my credit report. I have filed disputes in writing, by phone, and online. I have also included a copy of the FTC Identity Theft Report clearly outlining the fraudulent inquires. However Equifax refuses to remove the fraudulent inquires.
Consumer complaint received 2021-08-11
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. (CA)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP (FL)

Received fraud opened product from XXXX tried working with XXXX said they would send out a return label and still nothing from them XX/XX/2021 N/A credit adjustment XXXX + {$700.00} XX/XX/2021 N/A credit adjustment XXXX + {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$700.00}
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-11
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: OneMain Finance Corporation (NY)

After reviewing my consumer credit report, I noticed that OneMain Financial Group, LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  and XXXX  consumer report on XX/XX/2021 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with OneMain Financial Group, LLC Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with OneMain Financial Group, LLC for review or collection.