davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX XX/XX/XXXX. WAS {$500.00} NOW {$0.00} WITH MULTPLE LATE PAYMENTS. THIS INFORMATION IS ON MY CREDIT AND I DO NOT RECOGNIZE IT. 

XXXX XX/XX/XXXX WAS {$430.00} NOW XXXX DOLLARS.. MULTIPLE LATE PAYMENTS. I DO NOT RECOGNIZE THIS. 

XXXX XXXX  XXXX XX/XX/XXXX. WAS {$520.00} NOW XXXX $ WITH MULTIPLE LATE PAYMENTS. I DO NOT RECOGNIZE THIS I HAVE ASKED THE CREDIT BUREAUS TO DO A FULL INVESTIGATION AND THEY CLAIMED THEY HAVE AND THERE HAVE BEEN MULTIPLE INCONSISTANCYS WITH THE RESULTS SENT AND DIFFERENT TIMES.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

On XX/XX/XXXX, NewRez, our mortgage lender sent us an escrow analysis that showed that our homeowner 's insurance/hazard insurance had been paid in XXXX to our insurance provider, XXXX Member 's Insurance. Our insurance policy was set to renew on XX/XX/XXXX and NewRez had the new policy and the correct remit-to address from our insurance carrier, as this was NOT a new policy/new carrier for us. 

On XX/XX/XXXX, we received a letter dated XX/XX/XXXX from NewRez that our hazard insurance policy had expired and they did not have evidence that we had obtained new coverage. The letter indicated that they, NewRez, would be forced to obtain insurance for us. 
On XX/XX/XXXX, I contacted our insurance provider who then contacted NewRez and found that the payment for our policy had been sent to an incorrect address, although NewRez had the correct address because it was included in both the previous ( XXXX ) and upcoming ( XXXX ) policy information. 
During that XX/XX/XXXX conversation, NewRez assured XXXX that they would overnight a check to the correct remit-to address for our hazard insurance renewal period XXXX. 
On XX/XX/XXXX I contacted XXXX to see if the check from NewRez had been received and found that it had NOT yet been received. XXXX again tried to contact NewRez to determine the whereabouts of the check and after several calls from XXXX to NewRez ( during one call XXXX was hung up on and during another they were on hold for more than 35 minutes ) XXXX  was told that the second check for our hazard insurance had also been sent to the incorrect address. 

NewRez ' primary business is debt collection. They branched out into the mortgage industry and purchased our loan in XX/XX/XXXX from DiTech. As soon as the loan was purchased, we were notified that our payment was increasing and back-up of the calculation was provided. Upon examining the calculation, I found that when NewRez calculated our escrow for the XXXX period, they added the cost of our hazard insurance TWICE for the period and the result would be that our escrow would be over-charged for the period XXXX. I called them in XX/XX/XXXX and reviewed the calculation with them and they assured me it was correct ( and that they knew what they were doing ) even though it was clear to me that it was not. On XXXX XXXX they had to issue us a check for {$1200.00}, the over-paid escrow due to the insurance inclusion at twice the rate. Of course, no interest was remitted to us and included in the refund amount. 

I don't think that NewRez belongs in the mortgage industry. I am not confident that our escrowed amounts will be remitted properly for either real estate taxes or for insurance. Their customer service is deplorable. They drag their feet if they owe a consumer or another business any amount. As a XXXX, I expect mortgage companies and other lenders to have a certain level of professionalism which NewRez sorely lacks.
Consumer complaint received 2022-03-22
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: T.S. Holdings (MD)

I received a spam call from XXXX XXXX XXXX. He called to collect a debt on behalf of IQ Data International , Inc.. When I requested to have an invoice sent to me via email, he claimed that he could not grant my request but can tell me over the phone questions about my invoice and an invoice was sent to another address. I explained that I do not know him or feel he is trustworthy to rely accurate information. His call was spammed. He became very rude, speaking over me and threatening. IQ Data International , Inc is pulling my personal and private information unlawfully.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Card : Synchrony Bank -Home design. 

A purchase of XXXX was billed to my account on either XXXX XX/XX/XXXX or XXXX XX/XX/XXXX. Synchrony has told me depending on who I speak with, one of the above dates. 

According to them at that time I had signed up for email statements which I never agreed to as we never agreed to this on any account. We have several other accounts and we have never gone with that option. 

The email address they used for statements was an account that I had stopped using years ago so I never saw and statements. Direct debit had been set up on 2 other synchrony accounts which were paid off. Due to the fact that I never saw any statements on this account I assumed that the debit was for one of the other accounts but began to realize that this debit had been going on a longer than it should have been for the other paid accounts. 

In XXXX of XXXX I called Synchrony and inquired what account and purchase date etc. When they told me it was for a purchase using Synchrony Home design card account of {$4300.00} I was completely in the dark as we have never made a purchase that high unless for a car or a home! I assured them of that and demanded they provide a description of items purchased and they claim they would look into it after I filed a dispute with them. 
They stopped taking money out of my during this time. However before receiving any info they began to take the monthly payment again. 

I contacted them again and demanded they provide to me again what items were purchased and again no answer. I started another dispute again as I told them unless they can provide to me what merchandise was purchased I would stop payment. 

My guess was this purchase was fraudulent for reasons above. 

I have some questions that I need answers to. 

1. Why when we had cancelled the Home synchrony account before this purchase was it reopened. 

2. The alleged purchase was promotional and if so why were we hit with a penalty and subsequent interest for not paying the promo on time. Accounts like this when using direct payments set up at purchase time to complete by promo expiration date? This would have been satisfied years ago. We have paid to date more then the amount of the purchase X 2. on a purchase we never made. 

3. Why did it take a year after asking multiple times with fraud department by phone and letters to receive a letter from you that the purchase could not be verified? Your most recent letter reads " unfortunately we are unable to provide you with the specific information requested, as it is no longer available. 

4. During the last year Synchrony began taking direct payments before me receiving results from of disputes? 

5. How do you expect me to continue paying on a purchase we never made on items Synchrony can't seem to find? 

I have suspended direct payments until I receive a copy of signed receipt and a description of the items purchased on that date.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc (AZ)

Email sent to them today ... 

On their website it says " Let us know how were doing. 
Share your feedback : XXXX '' That email bounced so it does not even work. Forwarded it to multiple other emails on their website. 


I called last Tuesday regarding the fact that the county told me that I am up on the waiting list of people to help with mortgage assistance. I have 7 days to get them this form signed. I called and asked how to do it. They said attach it on the contact us page and tell them what I need. I did. 

On XX/XX/XXXX I received an email telling me to call in to pay. So they did not read it or even acklowede it. I called in. I was told they saw the form and would " escalate ''. I called on Friday XX/XX/XXXX. Spoke to multiple people. Got a supervisor. Said he would escalate it and if no one has sent me it by Tuesday ( Today ... day it is Due ) to call again and ask for a manager. 

Nothing today so I called. I got XXXX but it is oveXXXX 2.5 hours later and still no word. I need this filled out today or I lose out on the money. Help me help you. 

I lost my job. I am doing the best I can and getting assistance where needed. I need this form filled out to do so. 

The w-9 is not needed that is for landlord. 

Ticket # XXXX Ticket # XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Side note : XXXX was super nice and helpful but she can not fill out the form. It seems no one can fill out a form.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Marlette Funding, LLC (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2023-01-24
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shermeta Law Group, PLLC (MI)

XXXX XXXX XXXXXXXX started increasing my interest rates drastically after I closed my account in XXXX of XXXX The reason I closed my account was due to the interest over XXXX and the payment was XXXX I ask them why did they increase the interest rate that was already at XXXX and I was paying on time and they gave me no answer. The lady that spoke to me said, just increase your payment. I told her I am unable to increase my payment due to me being on Social security. Because I wasn't able to pay that amount with an additional XXXX in fees, they have started harassing me everyday in the morning and in the evening after XXXX. With that amount I was paying for interest and fees only. Nothing going to the principal. Now they are saying, I will sue you. For what? just because I am unable to pay their high interest rates and fees? Nothing going to the principal? 
Another credit card company that I have quickly put me into a program where they lowered the payment and didn't charge any fees. They understand my situation and they take the payment out monthly. Now I am almost finish paying for that card.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank without notice decided to close my accounts. 2 Business accounts 1 credit card and a business credit line. Besides closing the account, they are holding on to my money. They said they have to mail a check. To this day I haven't received anything 15 days later. My business has no cash to operate and ACH payments are being returned like crazy. They said they mailed a letter informing me that they will be closing me which I hear from others its just a complete lie. 
They know how to get in touch with me when they want. I get emails and text so they aren't being honest when they say they mailed a letter. They are holding close to XXXX XXXX XXXX. 
I want my accounts and credit card reopened. They closed the account XX/XX/2023 today is XX/XX/2023. I called them on XX/XX/XXXX and they said their decision was final. I heard they do this a lot of customers.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I contacted my bank wells Fargo and the company that charged my debit card XXXX and XXXX  XXXX  about fraudulent. Activity. There were over 100 transaction placed in 6 months XX/XX/XXXX to XX/XX/XXXX, totaling a little more then 2900.00 dollars. Starting the XX/XX/XXXX and everyday I was on the phone with wells Fargo to discuss the claim. They denied me once and said that my XXXX year old has permission to purchase games. Once I asked for a supervisor the sent me to the executive branch which can not make those determinations. Then for the last 2 weeks I  have been hung up on and tossed around departments. I would like all my money returned since I was not the person who made those transactions or authorized the transactions in any shape or form
Consumer complaint received 2023-01-24
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-16
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX Payment never late XXXX  XXXXSubmitted XXXX XXXX Not mine or No knowledge of account XXXX XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CA)

Tax ID # XXXX Credence Resource Management is using fake names with their off shore call center. They refuse to give ID # for the business as well as refusing to give address for call center so you can file an international complaint.
Consumer complaint received 2022-03-22
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. (IL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX/XXXX 2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I refinanced my house. I signed up for an automated EFT payment unknowingly, cancelled it, and never received my refund. 

In researching this, it was discovered that my bank account was also debited a high amount for someone else 's mortgage. The bank accidentally key-punched my banking information for an EFT withdrawal for another mortgage that wasn't mine. It took a dozen phone calls to customer service including supervisors to resolve this. I was told i would get the money back immediately and it took 7 business days. My bank account was wiped out due to a mistake by PNC bank. Not one time did anyone call me to say it was resolved or was being resolved. I had to follow up daily and tell my same story repeatedly to each customer service rep. The supervisor who promised to take care of the situation gave me her direct line, but never answered or returned my phone calls. The mistake of someone's mortgage was resolved, but i called today and still have EFT 's set up even though i was told they were cancelled 3 times and no one can see where a refund check was sent to me. I was promised it was mailed on XX/XX/20. This is the worst customer service situation i have ever encountered and shame on PNC Bank for taking unauthorized money from my bank.
Consumer complaint received 2020-03-12
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. (WI)

In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.
Consumer complaint received 2021-03-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

Scam letter from intercontinental Capital Group Inc, located at XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX. Website XXXX. phone number in the letter which is posing as an invoice or statement and spam deceptively looking like they are servicing my current loan which has been identified as benefiting fromXX/XX/XXXX, and tells me what you need to do is to call their office before XX/XX/XXXX with the notice number in the letter and understanding XXXX enhancements, and the letter had no return address on it which is deceptive, and mentions XXXX XXXX County notice of enhancement which is attempting to look like official government business or like my current mortgage company.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.