davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

The servicing of my mortgage loan has been transferred several times now, resulting in voided agreements and financial hardship. 

I received an " Annual Escrow Account Disclosure Statement '' with an " Analysis Date '' of XX/XX/XXXX by XXXX XXXX  notifying me that there was an escrow surplus and an " Escrow Refund '' check was mailed to me for {$3400.00}. I called XXXX XXXX  and I was assured that the money was mine and free to use so I used it for other living expenses. About a year later, I receive an " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6600.00}. XXXX XXXX  had used wrong data to calculate the projections of my escrow account, which resulted in a significant shortage. I then I receive another " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6600.00}, then I receive another " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6400.00}. The loan was transferred to my current mortgage company Flagstar Bank and the shortage continues along with voided agreements made between XXXX XXXX  and I, in which XXXX XXXX  allowed me to spread and pay the escrow shortage with no interest, penalties, or fees in a period of 36 or more months. Flagstar Bank ran their own analysis and continued to see the shortage and offered me 36 or more months but voided the previous agreement between XXXX XXXX and I. 

My monthly mortgage statement ( including principal, interest, and escrow - taxes and insurance ) started at {$900.00} a month, then it dropped to {$760.00} a month ( due XX/XX/XXXX ), then it went up to {$1500.00} ( due XX/XX/XXXX ) a month, then it dropped to {$1100.00} a month ( due XX/XX/XXXX ), then it went up to {$1200.00} ( due XX/XX/XXXX ) a month, then it went up to {$1600.00} ( due XX/XX/XXXX ) a month, and now it went down to {$1300.00} ( due XX/XX/XXXX ) a month. I am having a very difficult time paying this as a result of an escrow shortage that resulted from an escrow surplus that was clearly an error on behalf of the mortgage company which is now causing me adverse financial hardship. My monthly mortgage statement has increased 49 % since my first mortgage statement of {$900.00}. How is this even allowed? Are these not predatory practices? 

I called Flagstar Bank regarding my escrow account as there has been an escrow shortage originating from a previous mortgage lender in which I was granted an extension of 36 or more months and Flagstar Bank voided the 36 or more months agreement and tacked on the new shortage.
Consumer complaint received 2020-03-23
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. (OH)

Equifax has mixed my data with my twin brothers once again XXXX. Thought we had it solved in XXXX, then again in XXXX, XXXX and the issue pops up again. His mortgage, truck loan, credit cards are showing on my report and mine on his .... basically doubling my debt and thus lowering my credit score plus gives trouble for me dealing with lenders.Ive already invested countless hours with this issue over the years and equifax continues to neglect their responsibilitys and continues to not permanently solve the issue.
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (NJ)

Experian, XXXX  and XXXX  are reporting false information. 

The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX  XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX XXXX  XXXX with a XXXX balance.
Consumer complaint received 2022-12-28
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. (NJ)

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 # XXXX XXXX XXXX XXXX, Account name : 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, 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 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted capital one today to advise them my job can no longer pay me due to our agency being shut down temporarily because of coranavirus. I advised them I would be applying for NJ unemployment insurance, but am unsure when I would receive my first payment. I spoke with XXXX and told her that I am unsure when I would be able to pay and how much. She said there are no options to reduce, lower, or provide any help for my two accounts with them. I explained to XXXX that I noticed their website said there would be assistance for each customer, but they have refused to provide assistance for my accounts, and I am unsure of what to do.
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$82.00} XXXX XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-23
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. (AR)

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about 15 minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX   XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by XXXX  that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.
Consumer complaint received 2020-03-23
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: U.S. BANCORP (NY)

I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Consumer complaint received 2020-03-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Clear Start Today (FL)

I faxed personal information regarding a loan forgiveness consolidation program on XX/XX/2020. They also charged me a fee to consolidate my student loans of XXXX and they asked for my account information that way they could directly take the money out of my account each month. I have been in contact with them over the last several weeks asking if they ever received my faxed paperwork with my personal information for doing the loan forgiveness program. they told me they never received it and the fax number that i sent it to was actually the department of education. The number that i faxed it to was on the paperwork that the company had provided to me. I even spoke with a supervisor to ask what would be done about them getting my paperwork and information. The supervisor told me that they would contact the department of education and ask them for the paperwork. That was over 2 weeks ago and no one has called me back to update me. I called them today and received the same answer that they were going to contact the department of education and get my paperwork from them. They said due to the coronavirus it might take sometime but i had processed my paperwork long before the spread of this virus. Also i always get the same answer that someone will contact me back and update me on the status of what's going on with my paperwork but no one is doing that. I have to call them only to find out that nothing is still being done on my account. The name of the company is clear start. They informed me that they are a third party company that helps students consolidate their student debt and can enroll them in a loan forgiveness program. You just have to pay them an upfront fee of XXXX for six months. They also said that they would contact my federal loan company directly to inform them that they have taken over my student loans.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

I have been called several times from someone looking for XXXX XXXX, I have told them numerous times that I dont no this person. They say they will take my number Off the list, but they continue to call about someone and their debt that I dont know. They call everyday all day long it started on XX/XX/20, It has been going strong ever scenes. They are calling from XXXX the name of the company is Sunrise Credit Services
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I notified Experian National Consumer Center that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified XXXX XXXX XXXX  in XX/XX/2019 2019
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (FL)

First of all. Anytime I call this company every person that I speak with, tell me something different. I had loan of {$1000.00} from this company. I paid that off. Now I need my payoff letter to take of a mortgage and I'm close to my closing deadline, any time that I call nobody can't help me. This company doesn't care they take no action. I DON'T OWNED THEM ANY MONEY I NEED MY PAYOFF LETTER.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc. (TX)

This debt was previously sold to two different debt collection agencies- XXXXXXXX XXXX XXXX and Recovery Management Services . Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXXXXXX XXXX XXXXXXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. This debt was then collected by another agency ( RMS ) who has persistently harassed me and I have filed a complaint in XXXX of 2022 for that. This debit was deleted from my credit as promised however they have continued to harass and threaten me. I have documented calls on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then on XX/XX/XXXX, they reinstated the debt illegally on my credit report and have illegally given my personal data ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. As a result of this constant harassment, threatening, and illegal activities, I am letting this complaint serve as a final notice for this to be deleted off my credit with written confirmation. If this is not the result, I will have my attorney be in contact with this agency. Thank you.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NJ)

I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. 
This will serve as notice of pending upcoming litigation
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (GA)

I'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I have both checking and money market savings accounts at Citibank. On XX/XX/2019, a large deposit of {$210000.00} came in to my checking account from XXXX. When I got the XXXX, 2019 statement,, I saw that the interest rate was very low ( near zero ), I went to the Citibank XXXX XXXX branch on XX/XX/XXXX and saw that there was a Cit Savings account promotion to pay 2.00 % interest for 3 months ( up to {$2500.00} ) with a {$25000.00} deposit. After that, it would pay 0.57 %. 

The manager at the branch said I could get the higher interest rate if a new account was opened. So my old savings account was closed and a new account was opened on XX/XX/XXXX. These are the relevant account numbers : Checking account- # XXXX Old Savings account- # XXXX Ultimate Savings Account ( USA ) New Savings account- XXXX XXXX Citi Savings The original balance on the new account after the transfer was {$260000.00}. The current balance on XX/XX/XXXX is {$200000.00}. The account balance has been over {$200000.00} since it was opened, well in excess of the required {$25000.00} minimum.balance. 

I received higher interest for XXXX of about 1.30 % which was a little less than I expected but at least it was higher than before. But then at the end of XXXX, I was shocked to see that the account only paid an interest rate of 0.12 %. I went to the branch and asked why the interest rate dropped so much, and they said they thought I was entitled to the 2.00 % interest rate from XX/XX/XXXX through XX/XX/XXXX. They filed an internal inquiry with Citi headquarters to get the higher 2.0 % interest rate paid. 

But at the end of XXXX, I was shocked again to see again that the interest rate for XXXX was again only 0.12 %. I went to the Citibank XXXX XXXX branch this afternoon fo find out what happened. The branch manager told me their internal request was rejected. I couldn't understand why it was rejected, but he said it was because the new funds from XXXX were originally deposited in my checking account more than 5 business days before the new savings account was opened. Even if this is true, this was never explained to me when the new account was opened, and I could have invested with another bank offering a higher interest rate. Overall, I think their 2 % promotional offer was highly deceptive and they should have told me before hand if I was not eligible for the 2 % promotional rate.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Citicard is charging me upwards of 24 % on a credit card I have with them. I called and asked for a rate reduction given the crisis we are in and the fact that I'm being given a pay cut at work. They declined my request. I find that a 24 % interest rate, for a customer with a 750+ credit score, a long history with the bank, and on-time payments, to be obscene and should not be allowed at this time.
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (PA)

Debt in question was from a minor I was chaperoning to an urgent care visit. I am not her custodian or legal guardian Moreover, the minor had valid insurance coverage at time of visit but original creditor never submitted billing to proper insurer Regardless, I just took her to urgent care while her mother was away. Why am I responsible for this debt?! All I did was help someone out my bringing a minor to the doctor!