davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Greetings, My mortgage loan originated on XX/XX/2020, with an Unpaid Principal Balance of {$230000.00}. However, LoanCare 's system shows that they have arbitrarily increased by UPB to well over $ XXXX ... Why? Why are you applying my payments to a higher UPB? Pull the Note and they can confirm the UPB. 

Please have my UPB updated correctly AND reapply ALL payments received and applied to the account thus far to the corrected UPB amount, with the correct effective date. Please request that they provide a formal response of their findings, and confirmation of the corrections. 

I have attempt to call their office to get this corrected ; however, the automated system leaves me on hold for long periods of time with no answer .... then hangs up on with. 

Attached is screenshot so you can see what I am seeing as well. 

Also- MY TAXES ARE PAST DUE from XX/XX/2020. When will they disburse for taxes ou of my escrow account?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R J Baucum Enterprises, Inc. (TX)

This company has repeatedly harassed me over a debt but refuses to tell me what the debt is. All debts were discharged by a bankruptcy 2 years ago. This company calls me from multiple numbers, numerous times a day. They only call using automated system and this is harassment. I havent received any mail from this company and attempts to contact them to get them to stop or find out more information has failed. They say they are with Edward Sloan Associates. 

They call from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just 3 of the numbers they call from. Theyve called from over 50 different numbers.
Consumer complaint received 2021-04-20
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)

I am concerned about the validity and accuracy of your recent investigation of this account # XXXX with XXXX that is reporting on my credit report. SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX. XXXX account information was deleted from XXXX and XXXX because the fraudulent account could not be legally verify. Experian stated that they will delete the XXXX account in 7 days on XX/XX/1921 because of the FTC fraud report filed. However, Experian is still reporting the account on my credit report. Please provide me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. If you can not supply the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.I will further pursue all of my legal remedy without further notice to Experian. I have attempted to resolve this matter formally before filing a complaint and lawsuit! I give Experian authorization to check or investigate the XXXX account.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Solutions, Inc (NJ)

Certified Credit & Collection set me a bill for debt I do not owe. They received this from another debt agency that claimed I owe this debt. I verified that no debt was owed and all my bills were paid. In Certified Credit & Collection 's letter they stated that if I respond within 30 days and dispute the debt, they would send proof of debt. I disputed the debt and received no proof of debt. Instead, they sent me a second letter asking for payment of this debt I do not owe. 

Attached are their two letters and my responses to their letters.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (NC)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX and Transunion should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-02
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. (PA)

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. 

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 2022-01-26
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. (GA)

I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.
Consumer complaint received 2022-03-23
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX DELAWARE Docket # : 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
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IA)

+My PayPal card was stolen from my possession and someone withdrew {$200.00} twice out of my account after I had gone to a local store " XXXX ''. It was turned into local law enforcement. 
PayPal then reimbursed the withdraws that were done at two separate " XXXX XXXX XXXX ''. One was in XXXX Iowa XXXX and the other was in XXXX Iowa XXXX. Both were for {$200.00} plus the withdraw fees on each withdraw of {$5.00}. 
Now Paypal is expecting me to pay them back for them even with a police report due to the fact that I checked the balance before my visit to XXXX and after the withdraws from XXXX XXXX XXXX.
Consumer complaint received 2022-02-08
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: BMO Bank, N.A. (AZ)

I was told I received an airline refund on XXXX for {$4100.00} and it appears it went to the credit card the bank 's rewards company uses, because it definitely did not get refunded to my account. Bmo harris bank rewards uses a company called XXXX. After multiple calls and attempts to have them track the funds through an XXXX XXXX # XXXX reference number, they still won't return my emails, and hour long phonecalls lead to " we'll call you back tomorrow '' or " we can't find it ''. The purchase was made XX/XX/20 - so I've been at this a LONG time. The airline insists they paid it and that it is trackable. The bank says they don't have it. Someone has committed credit card fraud! And I am out quite a bit of money after a XXXX  year battle with both.
Consumer complaint received 2022-02-14
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. (TN)

I was attempting to lift the credit freeze on my account. I could not do it online with my prior pin. I could not get a new pin submitted to me through the automated system, and I could not speak to a person. I could sign up for their credit services which would provide me with 'enhanced ' access.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

I originally purchase the car through XXXX XXXX on XXXX the loan amount was different and I had to come back in and resign for a different amount after I had already taken possession and they had sold my trade in so I was forced to keep the car. I was told that the payments wouldnt start until 6 months later then called 45 days into the loan telling me that I was late I was confused. My payments went up from XXXX to XXXX a month I my car was surrendered and they have sold the vehicle and still showing I owe the entire the balance and monthly interest being reported monthly which is affecting my credit. They are telling me this is legal.
Consumer complaint received 2020-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services (CA)

Mercedes Benz is reporting incorrect and/or fraudulent debt information on my credit reports. Mercedes Benz states I owe them {$210000.00} for a vehicle that was vandalized approximately 18 months ago. The vehicle was stored at XXXX XXXX in XXXX California and the vehicle was declared a total lost by the insurance company, Mercedes Benz handled the insurance claim. I do not owe any money to Mercedes Benz.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

Primary Issue : I have two credit cards with Chase Bank. 
I would like to close them. 
The website does not allow the user to close the account and directs the user to contact Chase via phone. 
The phone menus do not have any options for either closing the account or talking to a representative. Phone menu options that include closing the account return the user to other menus to go back to where the user started from. 

Second Issue : There are two fraudulent charges on one of the accounts. There is no way to resolve them without talking to a representative.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

A second student deferment was put on my student loan by XXXX XXXX, now Navient. This happened on XXXX XXXX, XXXX XXXX, and XXXX XXXX. I graduated in the middle of XXXX XXXX. 
I want the capitalized interest reversed by this second student deferment. I am submitting my enrollment verification and my transcripts showing that I was enrolled at the same college and in the same program from XXXX and XXXX. There is an error in the enrollment information XXXX XXXX obtained from XXXX College. I finally obtained my degree in XXXX of XXXX. 
The first student deferment was stopped in XXXX of XXXX. That should have been sufficient enough evidence to keep you from instituting the second student deferment while I was enrolled at XXXX College in the same XXXX program. 
If the evidence I submitted is not sufficient, you need to let me know reasons why. I am also requesting a copy of the enrollment information you say that XXXX College provided you in order for you to place a second student deferment on my student loan. 
If the evidence I provided is not sufficient and you need more official documents, you need to let me know. You will also need to let me know who I need to send the documents to ... ... ..a name and the address at Navient of a person that will review these documents. I will send this certified mail if need be. Thank you.
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

I wrote the attached check for {$7500.00} from my XXXX XXXX account and deposited it to my SunTrust account. Of material fact, is that I have used the same accounts to electronically transfer to and from in the past since approximately XXXX without any returned checks issues from my XXXX XXXX XXXX account. The extended hold is until XXXX/XXXX/XXXX. 
Notwithstanding, the above mentioned, although said check cleared my XXXX XXXX account on XXXX/XXXX/XXXX, an unreasonable extended hold was placed on my check at SunTrust. I called the call center for assistance on XXXX/XXXX/XXXX, however such was not fore coming. I was advised to visit a branch. Please note for the records that I am XXXX. ( my XXXX XXXX income goes to SunTrust via direct deposit so they could ascertain my claim of disability. ) and such advised the representative of the challenges I have to travel without extended planning. however, I was not offered an alternative option to resolve said. 

I called back the same day of XXXX/XXXX/XXXX and spoke to XXXX management levels, including a XXXX XXXX XXXX, who denied my request to connect with the executive office for assistance. Of Material fact, I am very disappointed that SunTrust no longer has a direct contact information to its executive offices and am thus left at the mercy of the representatives to receive said. 
Please see the attached and feel free to reach me if with additional questions if required. Please advise. Thank you
Consumer complaint received 2020-02-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

Hi I opened accounts ( checking and saving ) with TDbank based on an online promotion of XXXX $ if I do certain deposits during a specific time window. I did all the requirements but when I asked for my promotion money they kept giving me different excuses, first they said Im not qualified for a new account promotion and I should apply for a pre-existing account promotion ( which is lower than XXXX $ new accounts promotion ) I contacted them stating that I opened my account based on the new account promotion and Im not interested in changing the offer. Then they said ok will give you the promotion money in 2-3 weeks. I waited 3 weeks but they didnt get back to me or deposit the promotion. I contacted them but this time they just said you are not qualified because you need to get the promotion by mail! Which is totally absurd first when I opened the accounts I asked if I am qualified? and they said yes, second the offer is online all the time and nothing is said about the mail, third the account was opened in XX/XX/2019 and I contacted them many times and never mentioned that. Thats not acceptable and not fair for the other banks who have other promotions and are honest about them. 
I have records of my secure messages with the bank in case you need them. 
Please let me know if you need any more information. 
Thank you