davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (NJ)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00}
Consumer complaint received 2019-02-11
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: AMERICAN EXPRESS COMPANY (CA)

I currently have XXXX American Express Membership Rewards points that are frozen. I called and inquired about my account on XX/XX/XXXX, and was told by a customer service representative that I was under a spend review, which subsequently locked my ability to transfer points to an airline or hotel partner. It seemed to occur after I had initiated a transfer to XXXX XXXX in the order of XXXX or so points. On the phone, the representative assured me that the process would take between 8-10 weeks, which is absolutely ridiculous for a consumer facing company with ample resources. On XX/XX/XXXX, I attempted to perform a rewards point transfer and was again denied. After calling in again to find out what the issue was, I had no resolution until I escalated to a supervisor. However, my issue is still unresolved and my points are unusable.
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (WV)

On XX/XX/23 I went to car dealership ( XXXX XXXX XXXX ) to get a vehicle a truck they said I couldnt get a truck my credit wasnt good enough they pushed used XXXX XXXX miles for {$13000.00} after fees and all other add ons I owe XXXX for XXXX I never bought a car from a dealer before and I was definitely targeted and taken avantage of Ive had vehicle for XXXX  months now and on XXXX thermostat wipes dont work I put axle and wheel bearing in it and backup camera dont work definitely ( not ) a {$32000.00} vehicle
Consumer complaint received 2022-10-04
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. (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. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy ch XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 convictions of crimes which antedates the report by more than 7 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 2019-12-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC (SD)

I opened this loan in XX/XX/2016 to pay for a education program. I had times of hardships, and kept in contact with the company for payment arrangements. I had automatic payments come out of my account and they are not showing up or being acknowledged by the company. When I try to call the company to pay the rest of my account off and figure out where my money was going they hang up or leave me on hold for extended periods of time until I hang up. They never answer my questions, and this has ruined my credit scores keeping me from being able to get any car or home loans for my family or anything else.
Consumer complaint received 2019-12-26
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. (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, TransUnion LLC, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase assumed my mortgage as servicer, and they have charged me PMI three times in the month of XXXX, and two times for the month of XXXX. My mortgage agreement says that I pay PMI once per month. I demanded that they refund the additional payments. Chase refuses and states that the other servicer was not charging me monthly PMI and they are " catching up ''. Further, I paid the XXXX down to under 80 %, and Chase stated that they would submit to cancel PMI and I would hear back within 5 business days - this was as of XX/XX/XXXX and all of these messages are in writing. On XX/XX/XXXX I was once again charged PMI which I am now demanding a refund for. 

It is very difficult to get straight answers from Chase, and they appear to deliberately make things confusing in order to try and gain more fee payments. My prior servicer ( XXXX  ) was straight forward, easy to communicate with, and did not make over-charges each month.
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MA)

This is a complaint filed by PHH Mortgage about the escrow and cancellation. They don't have a standard procedure and keep asking us to contact them again and again. 

The first issue was the mortgage company holding overpaid money without refunding us, even now. 

Back on XX/XX/2023, we received the property tax bill from the town office. At the time, as new homeowners, we weren't sure if we needed to pay the tax by ourselves or if PHH would pay because of the escrow, so we paid the tax to the town and later realized PHH paid as well. We contacted PHH on XX/XX/XXXX about the issue and asked them to return our money, and on XX/XX/XXXX, we contacted them again by email, but nobody responded. On XX/XX/XXXX, we called them, and they needed 5 days of investigation. They still haven't refunded us the amount of XXXX USD. 

The second issue was about canceling the escrow. 
On XX/XX/2023, we requested to cancel the escrow. 
On XX/XX/2023, they confirmed the request was received, will be completed in XXXX business days, and will send the results to us. 
On XX/XX/XXXX, we did not hear anything so called again. The agent mentioned that on XX/XX/XXXX, the mail was sent out, but the request was denied. The agent asked us to contact the escrow department directly, and the agent we contacted was unable to tell us the reason. 
On XX/XX/XXXX, the same day, we sent an email to the escrow team and also called, no response either. 
On XX/XX/XXXX, we called again and were told to contact again in XXXX to request again. They don't know when they will submit the tax in XXXX, so they didn't accept the cancellation and asked us to call again in XXXX. 
We feel they keep postponing/ not facing our request directly so they could use our money, and we request immediate escrow cancellation.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (FL)

I know this is probably small to you but I am a victim of fraud by counterfeit check because TD Bank did not do their job when a fake check with the WRONG routing number which should have been FLAGGED right, away instead, {$1900.00} was stolen/CASHED out of my TD Bank account & I followed all TD Bank protocol to resolve this. There is obvious proof that it is a counterfeit check, wrong routing number, wrong check stock, wrong address, and more, but TD Bank won't give me back my money until they do their investigation. I have auto bill pay for credit cards, etc. bouncing back making me liable for returned items. And all the bank can say to me is " how do they know I didn't have the money go to another bank account '' I feel discriminated against by that statement. Ive been with TD over 10 yrs & never bounced a check or overdrawn. What is the FDIC for? Why do I have to wait to get my money back meanwhile the perpetrator is out there and already spent my money. I am looking into a lawyer about this because little people like me shouldn't have to be broke because a counterfeit check they know that didn't have their routing number should not have passed into being a processed check and taken out of my checking account. I also reported them to the XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone- XXXX
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Bank of America XXXX XXXX XXXX XXXX, TX XXXX Dear Bank of America, Potentially Negative Item in XXXX  Credit Report Bank of America Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent XXXX  credit report contains Potentially Negative item reported for my Bank of America Secured Credit card account. ( Refer attachment XXXX credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on XXXX   credit file. 

Thank you for your consideration, and I hope youll approve my request. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00}
Consumer complaint received 2021-09-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX paid mtg XXXX mr Cooper reversed it. 

XX/XX/XXXX paid mtg XXXX Mr Cooper reversed payment XX/XX/XXXX paid mtg XXXX Mr Cooper reversed it again stating that now they wanted a XXXX late fee paid along with both payments that were due. 

Covid hit and my tenants wouldn't pay from XX/XX/XXXX until I kicked them out XX/XX/XXXX. 

I applied for forbearance they said on web portal I had one. I got certified letter on XX/XX/XXXX stating house would be sold at auction XX/XX/XXXX. The house was sold but Mr Cooper sent me an email on XX/XX/XXXX stating my forbearance was up and asked if I could resume payments I selected yes and they sold my house the next day. They sold it before the national moratorium ended. Further more they went against the CDC and charged me XXXX in late fees... They stole my house they broke there own forbearance and auctioned it days before the moratorium even ended I know there's gon na be a lawsuit my house appraised for XXXX I was unable to kick out bum tenants Mr Cooper made the mistake and refunded my mtg 3x then placed a huge fee on it. Then they made forbearance and stated I could just pick up on payments XX/XX/XXXX yet they sold the house 3 days prior. I have screen shots docs etc.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX i was a victim of an accident, where i had to be transported to the hospital in critical condition, after being discharged on XX/XX/XXXX of XXXX i noticed my belongings had been stolen, including but not limited to my purse containing my wallet, my phone, my money. In my wallet i had my identifications and debit, credit cards. 

When i was able to see my bank accounts and credit accounts i noticed the thief used absolutely all my funds from my debit and credit card companies. 

My credit card company has already solved my problem, however CAPITAL ONE refuses to provide my legal right to a proper investigation. 

I have filed a police report with the XXXX police department, i have contacted every single company involved in the claim, all the companies have confirmed this was fraud because my PIN was never used, there is video footage at stores where my card was used and the thief is A XXXX!! i suspect maybe someone close to me stole it however i still dont know. 

i am tired of having to beg for whats right. CAPITAL ONE is acting in an improper way, i need my money back it is all my savings, i can not work any more i will be in XXXX  for the rest of my life THERE IS PROOF I DID NOT AUTHORIZE THESE CHARGES please help
Consumer complaint received 2019-12-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2019-12-26
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. (FL)

THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-05-13
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. (GA)

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together My credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2019-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA violated the Electronic Fund Transfer Act and Regulation E by failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers on account number card number XXXX I am disputing the XXXX debited from my account not related to the contract with the XXXX : 1.Agreement # /Memeber number # with XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX is in error. 
2 The agreement was made on XX/XX/XXXX, but was cancelled on XX/XX/XXXX with the school and Facts and the girls last day was XX/XX/XXXX not XX/XX/XXXX. 
I never agreed to update the card for any auto pay XX/XX/XXXX with card number XXXX. 
The contract with Facts only supports an eft/auto pay from card number XXXX account USAA # XXXX closed and card cancelled Under the advise of USAA we agreed to use the USAA bill pay program and not use the card and account for auto/pay XX/XX/XXXX a onetime payment was was made and a fee charged and paid to settle account arrears. Again in support of my refusal to update the account with auto pay and settle the account with one time payments. USAA has failed to resolve the XXXX auto dispute complete reasonable error resolution investigations. Even after being provided the fraudulent contract stating it was valid XX/XX/XXXXXX/XX/XXXX/see supporting documents in support of Contract was valid XX/XX/XXXX-XX/XX/XXXX with XX/XX/XXXX as withdrawn date.