davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MidAmerica Mortgage Inc (OR)

I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not XXXX payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to Mid America Mortgage Inc. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by XXXX  just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (NJ)

On or about XX/XX/XXXX thru XX/XX/XXXX Tidewater Finance Company is reporting inaccurate information to credit reports ( XXXX XXXX and  XXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX attorney, at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX.
Consumer complaint received 2020-04-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (FL)

I have a VA Mortgage with Village Capital & Investments LLC. Loan # XXXX. My husband and myself have been laid off of our jobs due to this corona-virus. I call Village Capital on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and asked to postpone my loan payment for XXXX and maybe XXXX if we are still out of work due to this virus. I was told by Village Capital that I had to pay my mortgage and stay current on my mortgage payments or I world receive late fees. 

I have read and seen that with the current issues the world is going through, the Senate passed the bill that would allow borrowers with federally backed loans to request mortgage forbearance for up to 180 days. I am not asking for 180 days. Just a month or two.
Consumer complaint received 2020-04-01
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)

In XXXX of 2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DO NOT OWN. I DEMAND ALL ACCOUNTS BE REMOVED IMMEDIATELY FROM ALL MY CREDIT REPORTS, IT WAS ADDED DURING A CYBER THREAT DATA BREACH.
Consumer complaint received 2020-04-01
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)

In XX/XX/2019, I decided I wanted to buy a home. I went to a place called in affordable housing. At in affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

XXXX has the ability to remove the account from my collections because it was paid in full and that because I kept services with XXXX at the same address, I do not find it fair that they continue to report the account after it was paid. I never received a final bill or any correspondence.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/2022, {$3100.00} was withdrawn from my checking account in person from the citizens branch of Frost Bank. The ID used was not verified properly nor confirmed with the person using it to withdraw my money, which is a horrible mistake of security by a bank whose job it is to protect my money. I have yet to receive my money back in either a credit nor actual amount and it has caused me intense financial harm. I am currently going through full identity theft and have provided them with an ample amount of information to prove it was not myself who withdrew the money including having my manager provide a time stamped set of job information pertaining to my workplace and a set of contacts that could confirm I was nowhere near the area when the withdrawal happened. They have refused to answer my calls and have not provided me with any information regarding the claim in 4 days. The bank made a grave mistake and it is now costing me more than it would have in the first place if they would have refunded my money and instead I am unable to pay my bills because of their corporate protocols.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Check Fraud. 
Payment sent to vendor in the amount of XXXX. Check was intercepted in the mail, washed and dollar amount and payee changed, subsequently deposited into an Bank Of America ATM and funds withdrawn from my account. I have initiated a check fraud claim with Bank Of America as well as filed report with US Postal Inspector and XXXX PD - see attached. I am requesting Bank Of America refund the amount that was deducted ( {$5000.00} ) to my account. Bank Of America failed to provide adequate security procedures and allow this instrument to be presented and negotiated and subsequently paid from my checking account. I have called Bank Of America several times, unsuccessfully in having these funds returned to my account, even though I have provided them sufficient evidence this was due to their actions, not mine.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding unauthorized hard inquiries listed on my credit report, which is in violation of my rights under 15 U.S. Code 1681b and The Privacy Act of 1974. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization, whether written, unwritten, verbal, or non-verbal, as permitted by 15 USC 6802. 

The following unauthorized inquiries were made without my consent or authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without any permissible purpose as defined by the aforementioned statutes, and their presence on my credit report has negatively impacted my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against the entities responsible for these unauthorized inquiries. Furthermore, I demand that all credit reporting agencies immediately remove these inquiries from my credit report to prevent any further harm to my credit standing. Thank you for your attention to this matter, and I anticipate a prompt resolution.
Consumer complaint received 2022-10-07
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Since XXXX  my student loan payments have been ~ $ XXXX per month. Suddenly in XXXX I got a letter from Navient stating that my payments were being adjusted and now they are {$50.00} per month. The letter said this : " You are currently receiving or are eligible to receive an interest rate discount benefit ( e.g., XXXX XXXX ) on your student loans. However, your Monthly Payment Amount was calculated using the loans original interest rate potentially making your XXXX XXXX slightly higher than necessary. " I have been enrolled in autopay for as long as I can remember, so my questions is why is it ok that Navient was charging me a higher interest rate for so many years by not applying the autopay discount? Shouldn't I ( and other borrowers ) recieve compensation for the years of overcalculated interest?
Consumer complaint received 2022-12-28
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. (GA)

I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

Requesting Validation of a debt that has just currently been added to my credit report. Reporting inaccurate information is a violation of my consumer rights. This company is not in compliance with the FDPCA and they are violating my right to privacy.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

I received an email that said my application for XXXX XXXX XXXX XXXX XXXX has been approved, which I have not applied for. I sent an secure message to Chase, and have not received their reply for this.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

On XX/XX/XXXX I placed an order on XXXX. I placed an order for over {$50.00}. My XXXX ( XXXX ) the man who delivered my order had sent me a message requesting that I give him more money after he accepted my order. I did not reply because this is unprofessional and he should not be messaging me about funds in the first place. The XXXX  should NOT have been messaging me things outside of what I had ordered. When I did not reply to my XXXX  XXXX. He then tried offering to sell me a XXXX XXXX gift card. I quickly went to the XXXX chat to ask them to cancel the order as I was not going to accept it after he was texting me about money and trying to sell me things. I did not trust the XXXX  from him after that. They told me they could not cancel it because he already picked it up. When he arrived I did not take the XXXX due to his actions making me believe that he could have done something to it. XXXX refused to refund me and my bank Chime refused my dispute. I did not get what I paid for and I feel harassed by my XXXX  for messaging me about more money. XXXX website states that they have XXXX tolerance for XXXX  harassing someone for more tip.
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

On XX/XX/2019, I took out a refinance loan with PennyMac Mortgage for our single family home. At that time XXXX XXXX was my loan officer. He seemed to know what he was doing. He informed me instead of my receiving an escrow check back from my current mortgage at that time, I could roll it over into my refinance towards the new escrow so that my closing cost and my escrow would be enough to start my new loan. I agreed that was fine. I figured he was the professional and knew what he was doing. This reduced my mortgage from {$1400.00} to {$1200.00}. That sounded great to me. Now 5 months later, I find out that I have a {$1800.00} deficit in my escrow. I spoke to XXXX in the customer service dept. and she indicated Mr. XXXX did not apply my {$1300.00} escrow balance to the new loan. She consulted her supervisor to research with her and that is what they came up with. She says the only way to rectify this situation is they have to pass this on to me, even though it was not my fault. The alternatives is to use my XXXX payment of {$1200.00} towards the escrow deficit and make 2 payments in XXXX of {$2400.00}. ( We can not do this ) or spread the deficit over 48 months and that will increase our mortgage by {$140.00} a month. Neither of these are feasible for us. We are in our 60 's and not working. I have a XXXX XXXX XXXX  with no XXXX  since XX/XX/2019. I believe Mr. XXXX played with the escrow to make it look like a better deal than it actually was. I can not refinance with the FHA loans outrageous now. 
The loan # XXXX that I am referencing.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

-XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, XXXX XXXX  , 3 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost document. 

-XX/XX/XXXX Notice from XXXX  report about new bank account open at People  united bank : open on XX/XX/2019 and notify call center about the issue. 

-XX/XX/XXXX Verify ID at Peoples united bank XXXX Branch XXXX XXXX XXXX XXXX, NY, USA XXXX . XXXX XXXX bank representative verified my ID and told me That now account was closed and have {$45.00} fee left. Then he contacted Fraud department and recommend me to disputed on XXXX   report. 

-XX/XX/XXXX Dispute to XXXX report . 

-XX/XX/XXXX Visit XXXX XXXX  precinct police officer demand letter and proof of victim of identy theft to make police report. Call the bank representative. Then i call Customer service, she give me address to send the dispute letter. 

-XX/XX/XXXX Send the disputed letter.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX XXXX {$22000.00} XXXX  XXXX {$3200.00}
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My card is with Citi Bank and I paid it off in full on XXXX ( {$23000.00} ). On XX/XX/XXXX I got a text saying I had a late fee so I called them to see what was wrong as I had paid {$400.00} on XXXX and {$400.00} on XX/XX/XXXX. The rep said it was a late fee and interest so instead of arguing with her I paid {$37.00}. That night I looked at my previous and called them the next day to see why I was charged a late fee. They said it was because i paid early and it when against the previous bill. I said I was penalized for paying early?? and the rep said they would credit it back to my back account. Nothing was credited back and I tried calling a fee times and couldn't get through until XX/XX/XXXX or XXXX. I had to explain all over again and that rep said they would credit it back to my account and I should see it in my XXXX XXXX XXXXXXXX account by that Thursday or friday, XX/XX/XXXX or XXXX. Nothing has been credited back and I've tried to call and messenger then and can not get through. I waited over an hour on the phone yesterday XX/XX/XXXX and finally hung up. I would like this resolved but can't seem to get them to fix it. I've seen others complain about them also so I feel something needs to be done.
Consumer complaint received 2020-04-01
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-04-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I contacted IC Systems on XX/XX/XXXX and XXXX to try to get more information about this debt. On XX/XX/XXXX, I was told that this was a XXXX account from XXXX or XXXX, they weren't even sure what year. I told them that I did not have a XXXX account in XXXX or XXXX. They would not provide more information and when I requested proof, one of their representatives hung up on me. This company is extremely unprofessional and attempting to collect a debt that is not owed and that they can not verify. This has been removed from XXXX  and XXXX  and I am attempting to have it removed from XXXX.