davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

On XX/XX/2021 I closed on a new home with XXXX XXXX XXXX XXXX XXXX as my lender. The mortgage was subsequently sold to Dovenmuehle Mortgage. The closing disclosure dated XX/XX/2021 clearly states that I elected to waive escrow for my homeowner 's insurance and property taxes, and that only my flood insurance would be escrowed. XXXX XXXX XXXX XXXX XXXX told me that federal law required them to escrow my flood insurance premium, although I am not sure that this is true as in subsequent conversations their employees have made contradictory statements. In any case, the annual flood insurance premium is only {$490.00}. On page 4 of my closing disclosure it is clearly stated that a {$41.00} monthly escrow payment is all that will be charged to cover this. 

For the first few months the monthly charge was correct and all my payments have been made on time. But today I received a notice that my upcoming automatic payment on XX/XX/XXXX will include {$270.00} in escrow charges. I also received a separate piece of mail from them indicating that my escrow account was at insufficient balance to cover my homeowners ' insurance. I already paid my insurance company the full first year homeowner 's premium upfront at closing, and again the closing document clearly states that only flood insurance shall be escrowed as future homeowners and property tax payments will be made by me directly. To me this is a blatant breach of our agreement and an attempt to overcharge me. 

I also find it interesting that when I contacted XXXX and asked how they possibly could have mistakenly tagged my {$41.00} monthly payments as homeowners ' escrow rather than flood since flood insurance is required to be escrowed by federal law, the representative indicated that this is not true since my home was not in a flood zone at the time of closing. This directly contradicts what the mortgage officer who closed my loan told me. While I am alright with escrowing flood insurance, I would have preferred not to and only did so because XXXX told me it was a legal requirement.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank has called my cellphone at least 7-9 times between the hours of XXXX and XXXX. This debt was already paid this month, and the phone calls are too annoying. I am trying to work so that I can pay off my debt. They seem to want me to not work, and play phone tag with them all day.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2021-08-13
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. (FL)

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association (TX)

As of today, XX/XX/2021 I received a notification on my credit file that a company by the name of RMA Credit placed a balance in the amount of {$1100.00} on my XXXX credit report. 
I am not aware as to whom this company is, neither am I aware of the services that this company offers. This same company has attempted to place this information on my credit report and I had to bare through the pain to go through the hassle to get the information deleted from my report, due to me NOT having any information associated with this company. I have not ever applied for anything with this company and once again, I am unaware of the services that are offered and would not recommend that anyone deal with this company in any type of manner.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Bay Equity LLC (CA)

Back in XX/XX/2021, I contacted XXXX XXXX for a home purchase. They recommended their mortgage loan company/person of interest, Bay Equity, XXXX XXXX. It started fine, however when I started to shop for my own loan, XXXX was becoming very defensive, almost as if he was offended that I would do such a thing. At first, I knew it was just his mind games trying to make me concerned and go through him. But then as he pressed to continue the loan that he already told me I was approved for, he then takes it back and says " hey, so you actually aren't approved and I need you to forge some documents for me ''. 

I thought he was kidding at first, but then he continued telling me how I wouldn't have enough money without " renting out '' our property first. He said it's just " a little forgery '' and fraud isn't a big deal. I contacted my realtor to let him know, but then he echoed out " It's just a little fraud, it's not a big deal ''. I was done. I called his boss to let him know what was being asked of me, and he was shocked. He immediately removed my realtor from escrow and took over, and I went with another lender. He and XXXX were constantly texting me afterwards saying " it's not a big deal, we can still make this work '' ( I have all the text messages ) I wanted to report XXXX XXXX and will be reporting the realtor as well ) so he doesn't cause harm like this again.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (SC)

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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

I am a XXXX XXXXXXXX mother and I am being exploited by the TD Bank Assistant Branch Manager of the XXXX XXXX XXXX. 

The TD Bank Assistant Branch Manager intentionally converted a personal injury check and then stole a portion of those monies from my account that she forced me to open so she could have " easy access '' The TD Bank Assistant Branch Manager changed my account so I didn't have insurance coverage when there was a hail storm and I was unable to make necessary repairs. 

The TD Bank Assistant Branch Manager has wrongly increased my monthly mortgage amount. 

The TD Bank Assistant Branch Manager keeps sending Foreclosure notices that I am one or two payments behind, when i am not behind, and my mortgage is current. 

The TD Bank Assistant Branch Manager knows that I am attempting to refinance my home, and I was just 2 days past the 10 day grace and my credit report was docked down XXXX points. 

I am being XXXX XXXX  and XXXX XXXX by the TD Bank Assistant Branch Manager and she is using her power and authority as a TD Bank Representative to hurt me, and cause XXXX, pain and suffering.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Collection Bureau, Inc. (SC)

Advance Collection Bureau XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2018 Advance Collection Bureau added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2100.00}. After further review I realized that the DOLA date on the account was inaccurate across all credit bureaus, which should not occur. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

We are in the process of purchasing a new home. Our mortgage company requested a Verification of Mortgage XXXX XXXX XXXX from a previous loan under Specialized Loan Services ( SLS ) Company. The VOM came back reporting 4 delinquent payments. These payments were all under the federal Covid forbearance program. The VOM does not have any dates to show these 4 payments were covered under that. The VOM does not qualify anywhere that these were approved missed payments. The VOM gives no mention the loan was even in forbearance. The underwriting Department for our new loan is insistent that SLS change the VOM to be accurate. SLS is insistent that they can not change it and have no way to add anything to it or even easily send a letter of explanation to go with the VOM. The only remedy SLS said we may have is by writing to them via post mail and wait for an answer. By then we will have lost the home and earnest money and all expenses to date we've invested in this new home purchase.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-08-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: UNITED BANKSHARES, INC. (WA)

I originally opened a CD account with XXXX XXXX  which was taken over by united bank. Well every year sometimes twice a year united says i will be penalized for inactivity, now they say if this continues my account will revert to state of virginia. 
I am a XXXX year old in fixed income i count in those two XXXX $ CDs to help me survive, XXXX willing. 
Funny thing is everytime i talk to someone over the years, i originally purchased CD in i believe XXXX  or XXXX. Everytime the bank person assures me the info is used to prevent this hassle in future, now they threaten to give my money to state of VA. At this point un time, i feel they are either so incompetent or are really deliberately harassing me. I just want to close my account there, rather than be harassed ir lose my hard earned dollars.i want to take my money out without penalty, their misuse of my information is enough penalty. Please help
Consumer complaint received 2021-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (FL)

I have written to this Creditor ( Bridgecrest ) and ask that they prove the supposed debt they sent to be on my credit file. They have not validated this " debt '' and they have inconsistent information on the file as well. 
Because of the non-existent validation and the Inconsistent information I According to the FCRA and the FDCPA, it needs to be removed immediately.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2021-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, I purchased seat assignment from XXXX of XXXX dollars with my Bank of America premium rewards credit card. According to their reward program, there is an annual airline incidental statement credit of XXXX dollars, for which my purchase qualifies. The credit was supposed to be automatically applied in the next billing cycle, but it wasnt. I have contacted the bank over the phone, and they told me that it should be a qualifying purchase. However, after another couple rounds of phone calls checking for updates, a few weeks later, they told me it was not a qualifying purchase for the credit. I was told that some code was off and XXXX didnt not put in the purchase as seat upgrades. I had no idea nor did I have ways to find out that some underlying code that the airline and the bank used was off. It should never be the customers responsibility to figure out if all transaction codes are correctly, nor was I able to find out before I could make the purchase. I said I could provide them with itemized receipt to prove the purchase was actually for seat assignment but they still refused to apply the credit. I have been a long time royal customer at the bank and this is unacceptable
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank/PayPal Credit Line has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of Synchrony Bank/PayPal Credit Line to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with Synchrony Banl/ PayPal Credit Line was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Dear Sir or Madam : I have been a Chase customer for over two decades. I have several accounts, including a Business account, a premier checking account, a regular checking account, a mortgage, and am in custody of two other accounts ( as a power of attorney ), a checking and an investment account. The daily balances on these accounts are over {$20000.00}. 

Today when I wanted to long into online banking, I was blocked by several new agreements concerning online banking. In essence -- and with no option to opt out -- in order to access my account, I am obligated to agree to receiving only electronic communications on these accounts, to accept any fee that the bank deems appropriate or necessary if I wish to obtain paper statements, and waive my rights as a consumer when they make any mistake online and I miss it. 

I can not agree to these terms and conditions, but I am blocked out of accessing my account if I do not agree to. They provide an option to withdrawal consent by mail or phone, however, their terms also state that they have the right to deny this withdrawal and to charge additional fee for any account on which I withdraw consent for electronic-only communications. This is a form of extortion and they are holding access to my funds and account hostage, if I do not agree. 

When I opened my accounts it was never under these punitive agreements, and believe that these actions violate my original contract with this institution. I would like your help in bypassing these digital-only agreements, and any fees that they are charging punitively, for not agreeing to them. 

I would appreciate that you investigate these new policies and actions on behalf of myself and other consumers who never agreed to online-only communications and the bait-and-switch tactic that Chase is now trying to impose on its customers and the consumers of the US. 

As a taxpayer, I have bailed out these institutions over the years, and we deserve to be treated fairly and have in some small way to have our rights protected by the government. 

Thanks in advance for your assistance.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

I did have a XXXX account quite some time ago ... maybe 3 or 4 years ago but the amount being reported on my credit is inaccurate and I asked about it several times but ca n't get the amount verified fully.