davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to. 

Please note I have 3 Properties. 

I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call  and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes. 

Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this. 

This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/22 I sent NewRez, XXXX XXXX XXXX, XXXX, TX XXXX, my mortgage payment plus {$50.00} of additional principal using my federal credit union 's online billpay service. On XX/XX/22 the XXXX indicated the check had cleared my account. On XX/XX/22, NewRez charged me {$47.00} for late fees, using the additional principal I had included with my billpay check.

I contacted NewRez on XX/XX/22, discussing this matter with XXXX XXXX, a customer service rep, with XXXX XXXX, a Supervisor, and with XXXX XXXX, an Escalation Specialist. 
After one-hour of waiting on hold, XXXX reversed the late fee which I had been charged.

NewRez not only did not credit my account as paid on XX/XX/22 when the check cleared, they charged me additional principal between XX/XX/22 and XX/XX/22 when the counted the check received. In addition, they unjustly compensated themselves for a late payment instead of attributing my payment to reduce the principal. 
I believe that NewRez needs an audit as I am not likely the ONLY VICTIM and they are likely charging many people late fees that are not justified.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX charged me {$74.00} in XXXX and XXXX and I do not recognize these charges. I have been back and forth with Chase over this and they continually investigate the wrong transactions despite numerous requests to get it right. I've attached my XX/XX/XXXX statement showing the XXXX charge, Chase has the XXXX charge under review. I finally had a phone call today at XXXX at XXXX XXXX PST with their fraud department in which their department told me that it's my responsibility to get information proving that XXXX defrauded me, from, XXXX themselves. As ridiculous as that sounds, because it is absolutely the credit card 's responsibility to prove that I have an account, not my job to prove that XXXX ripped me off, I actually tried it, as you can see in the attached correspondence with XXXX I begged them to show me proof I had signed up or used their service and they would or could not. 

I eventually signed up for an account in XXXX so I could cancel it once I saw the charge in XXXX. 

For what it's worth their cancellation process is ridiculous and takes 6 screens of them offering you more and more discounts before you can finally leave. Additionally, all of their e-mail, which started coming only in XXXX, goes to spam no matter what I do, kind of interesting that XXXX sees them as not a real company either. 

At this time my working theory on what happened is that I signed up for a service somewhere, perhaps with XXXX or XXXX, that had a XXXX trial offer bundled into it that I didn't see, which should be illegal in and of itself, that once it was over started billing me right at XXXX making the chance for me to notice it go down dramatically and then XXXX never once informed me that I had an account with them, not even a promotion, nothing. so that when I finally saw it and went to their website to cancel I literally didn't have an account. Imagine having a XXXX subscription but no login information for XXXX, that is what happened with XXXX for 2 years. That's clearly ridiculous and evident that I did not have a relationship with them. 

At this point I'm more upset that Chase, a company I do a lot of business with, is mishandling this case so poorly in many simple ways and is making no effort to correct it than I am about XXXX and their shady business practices. I'm upset that Chase is trying to push the onus for fraud protection back onto the consumer in direct violation of consumer credit protection laws, and I hope that CFPB holds them to account or I will be forced to demand arbitration.
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (TX)

Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion
Consumer complaint received 2020-01-16
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. (SC)

I have disputed alleged account from XXXX XXXX XXXX XXXX multiple times with Equifax and XXXX. They ( Equifax and XXXX ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681,  unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XX/XX/XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received an alert from Transunion and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.
Consumer complaint received 2022-11-12
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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2022-11-12
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2022-03-14
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. (FL)

my former XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance
Consumer complaint received 2023-01-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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  According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

I received a phone call and they left a voicemail, I do not know what this is in regards to, as they never stated who the call was for. I looked up the phone number and realized that this is from a collections agency. I never received any written information via mail nor did the caller disclose in the voicemail that the call was an attempt to collect the debt, please resolve this matter. I have attached the transcript of the voicemail for reference.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (WA)

I made a deposit on the mobile app with some money orders. The deposit went through and I want online the next day to check my balance, only to find I couldn't log in to my account. This was both on the mobile app and the website. I called in to the 1-800 number and was told they can't give me any information about my account and I  need to go in branch. I was planning on doing most of my banking with the app and the ATM since the bank has limited hours, but I had some time in the middle of the day to go in-branch. 

At the branch I walked into, they said there was fraudulent activity on my account and they locked it for my safety. They said my balance was significantly lower than the amount I expected. I was then told that the branch I walked into wasn't my home branch and I needed to go to another branch ( that I had never been into ). This initial news had me worried. 

At the second branch, located in XXXX, Washington, I was given the runaround, no one could provide me any useful information and finally one employee was able to tell me that the fraudulent activity was the mobile deposits I made to the account. Since when is adding money to an account fraud? Bank of the West advertises all the time about their mobile deposits, adding insult to injury every time I see it.

I asked the bank if the money orders are valid and they said they're not sure. We had to call up XXXX XXXX to find out they are valid ( an idea I had ). Meanwhile, my money was in limbo during the holiday season and I was planning on using this money for some XXXX gifts. I then asked the bank how to deposit the money orders and the clerk was clueless, saying I need to clear the fraud ( which wasn't actually fraud ) on your account. Finally, I suggested depositing them into my XXXX  XXXX XXXX account ( a bank I was looking to switch from ) and she agreed. 

I then planned on closing my account due to my lack of satisfaction in this experience and the fact that nearly a month later I still couldn't access the website. Unfortunately I got a letter from Bank of the West yesterday saying we are closing your account and we don't have to provide you a reason. This is likely because of the complaint I filed on their website and the poor review I gave on their surveys. I don't understand how a bank can retaliate against their customers like this just for depositing a money order on their mobile app. I was looking forward to using their more convenient locations, but unfortunately this business has left me no other choice.
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 — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

Talked to XXXX, today XX/XX/XXXX re fees on account totaling {$410.00}. it is 3 separate charges. 
XX/XX/XXXX Property Preservation Fee Billed {$14.00} XX/XX/XXXX Brokers Price Opinion Fee Billed {$130.00} XX/XX/XXXX Property Inspection Fee Billed {$260.00} She could not tell me what the fees were for. XXXX the lender who had this loan since XX/XX/XXXX sent it over to them in XX/XX/XXXX without my knowledge. 

I want to know what these fees are for as they have been added to my loan.
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, XXXX down loans. ( XXXX XXXX ) This company suggested I take the loan offer XXXX. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed XXXX reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

the attached document is proof that XXXX XXXX should be removed from my report ASAP. 

Along with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (NY)

I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't belong to me.
Consumer complaint received 2022-11-13
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 called the creditor that bought the debt that i discovered in XX/XX/2022, they refused to investigate as they did not believe it was identity theft, cant get the closed deragatory account off of my credit report.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

Account number : XXXX*XXXX.1 XXXX XXXX DOB XX/XX/XXXX XXXX XXXX I had an XXXX done at your XXXX NJ facility on XX/XX/XXXX. I entered into a payment arrangement with your facility when I received my first bill. I have been paying the agreed upon amount every month since XX/XX/XXXX. I found out today that my account was sent to collections. When I called, I was told that it went to collections because of a " bad " address. I moved to a new home sometime after the procedure was done and after the payment arrangement was made. There is no reason I should be put into collections because I moved. I was told by your people that it is out of our control. Dues to your actions my credit score dropped 82 points. This is unacceptable and needs to be rectified with the credit agencies immediately. 

XXXX XXXX Cc : Federal Trade Commision Quaility Asset Recovery I have called QAR and XXXX XXXX numerous times and do not even get a call back from XXXX XXXX XXXX
Consumer complaint received 2022-11-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Credit Card Due Date is the XXXX of each month, I made a payment on the XXXX to keep the account current. On the XXXX of that same month, I paid the entire balance off. The credit card company charged me interest on the prior balance for the entire 30 days on the next billing cycle. 
When I contacted the credit card company and explained they stated that they charge interest on the balance for the entire XXXX cycle, I explained that interest should only be charged from the XXXX to the XXXX when I paid the balance off. 
I tried to escalate internally but and reached a supervisor, this individual did not help, when I asked to file a case to have this reviewed they stated that there is no case to be filed. I asked to speak to their supervisor but was told that they do not have a supervisor.