davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: Bridgecrest Acceptance Corporation (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I, XXXX XXXX, am the realtor assisting borrower XXXX XXXX on a short sale for her property. ShellPoint Mortgage is the servicer and is violating state law during this settlement process. 
1. ShellPoint uses an application ( Form 710 ) for this process. The application states that " No Documentation '' is required if there is a reduction of income. However, ShellPoint Mortgage is insisting that the borrower submit bank statements and state that on page 3 there is a mention of " type of income ''. This is not mentioned anywhere on page 3. In fact, no where in the entire application does it require XXXX XXXX to provide bank statements. ShellPoint is lying during the settlement process. The borrower is not required to submit bank statements. 
See Form 710 and the ShellPoint Mortgage letter lying about their demands.

2. ShellPoint Mortgage has also stated that the Note Investor is the one demanding this income information. That investor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Certificateholders of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to act as an unlicensed mortgage servicer in Florida. 

3. Further, ShellPoint is in violation of Florida Law by demanding to see a private trust document. The recorded Land Trust Deed specifically grants the Trustee XXXX XXXX, XXXX the power to sell the property. XXXX XXXX is registered as the Manager for XXXX XXXX, XXXX in the state of Florida. ShellPoint Mortgage has no need for the private Trust agreement. See attached Deed and registration with Florida showing XXXX XXXX as the manager.
Consumer complaint received 2020-09-28
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 — Investigation took more than 30 days
Company: USCB, Inc. (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2023-01-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-04
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: Investment Retrievers, Inc. (CA)

This account was deleted from all of my credit reports 1 month ago. The old company sold it to a new company and now the new company has added a debt to my XXXX report. I submitted a dispute to XXXX.
Consumer complaint received 2023-02-09
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Finances claim I am 17 weeks late on my XXXX payments & is trying to charge me an extra $ XXXX {$320.00} in overdraft fees. They also claim one of my payments of {$290.00} did not go through but I have a bank statement showing the money was taken out my account from XXXX XXXX XXXX. I only had {$100.00} left to pay before the month of XXXX was over. I have evidence showing I schedule a payment for that amount before the month of XXXX ended, however, my account was blocked & my payment for {$100.00} was declined. I nor my grandmother was called & notified that the payment was declined instead they waited till XXXX ended to call & tell my grandmother that there was no payment made & now there are overdraft fees & extra payments.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank made an unauthorized " hard inquiry '' from all 3 major credit reporting agencies. I asked that the hard inquiries be removed from credit report.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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 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 2020-06-19
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. (PA)

I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Consumer complaint received 2024-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

My mortgage was transfered to Mr. Cooper at the end of XX/XX/XXXX from Rushmore Mortgage. There was a negative balance in my escrow account of {$1400.00}. I received an email from Mr. Cooper on XX/XX/XXXX saying my Homeowners insurance had been paid for {$760.00} and the next payment was due on XX/XX/XXXX. The {$760.00} was taken from my escrow account. Attached are the letters and email received from Mr. Cooper. XX/XX/XXXX letter stated that my insurance had expired and I needed to provide proof. The balance of the information is contained in my letter to Mr. Cooper. I sent the attached information not only on their complaint ticket system, but also sent registered mail. I also emailed my homeowner 's insurance company XXXX XXXX XXXX XXXX ) only to find out that my policy was not renewed and cancelled on XX/XX/XXXX. My home was uninsured for almost a year without me knowing. I have emailed every address I could find and called at least 6 different phone number and have not been able to speak to a live person. My mortgage payments have now increased by over {$500.00} per month.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

Company has attempted to extort me by placing a " low balance threshold '' and is refusing to allow me to access my online account unless I call in with all types of security questions about the card I have- is engaging in predatory behavior & is refusing to allow online access without a voice response after numerous letters & emails have been received
Consumer complaint received 2020-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I refinanced my first mortgage and HELOC loan with Bank of America on XX/XX/20. 

At closing, Bank of America was supposed to pay off both my first mortgage and HELOC loan with proceeds from a new mortgage loan. Per the latest closing statement I received, the amount which was supposed to be applied to the HELOC was {$44000.00}. 

The HELOC loan was not paid off. I was not notified of this and later discovered it on my own. The reason I later received from Bank of America for why the HELOC was not paid off was that the funds on earmarked for payoff of the HELOC loan on the refinance closing statement did not match the final balance of the HELOC. This is due to Bank of America 's failure to update the closing statement for recent activity on the HELOC. The HELOC balance was inaccurate for at least 6 days prior to close as best as I can tell from my HELOC monthly statements. At the time of close, I verbally notified Bank of America of the discrepancy and was told that whatever the updated balance was would be paid off and the cash at closing due to borrower would be adjusted accordingly. Regardless of whether the balances matched exactly, the funds earmarked for payoff of the HELOC loan should have been applied to the HELOC loan as shown on the mortgage closing statement. The discrepancy was a small amount relative to the loan balance. 

At present on XX/XX/20, I can not get a straight answer from Bank of America about where my {$44000.00} is. I am told it will get wired back to the title company but can not get an answer on when. I am told that the department that handles wires is 'backed up '. When I try to call Bank of America to get more information I am repeatedly transferred to numerous different departments at Bank of America, waiting on hold for 20+ minutes each time only to be told by each department that I need to speak with a different department. I have emailed the loan originator, XXXX XXXX NMLS ID : XXXX, on XX/XX/20 about the issue and at present I still do not know when my funds will be returned. At present I am being charged interest on my HELOC loan. I am paying interest on a loan balance which should have been paid off one month ago and which I have no ability to pay off because the funds which should have been used to pay off the HELOC are being held by Bank of America.
Consumer complaint received 2020-08-07
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)

I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.
Consumer complaint received 2022-11-04
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: Resurgent Capital Services L.P. (AZ)

Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

This is a card issued by the Oklahoma Employment Security Commission ( the Way2Go MasterCard ) for pandemic benefits. I tried to make a transfer to my bank account today and was locked out of my account. I have made these transfers in the past. I called the number, was kicked off the hold queue the first time, called back, and was on hold for about an hour. When the person answered, we could not understand each other because they barely understood or spoke English ( I had pressed " 1 '' for English ). They asked for my full Social Security Number, not just the last four digits. When I expressed discomfort with sharing that information, I was informed that they could not help me, so I reluctantly gave it. Then, I was asked for all my other information ( address, date of birth, etc. ) Even after all that, I was informed that they could not help me because of Covid-19. They kept repeating it was because of Covid-19. This was a wholly unsatisfactory resolution, but my larger concern is that this person now has all my personal information and my Social Security Number.
Consumer complaint received 2020-08-07
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. (TX)

I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.
Consumer complaint received 2020-08-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020 I opened a TD checking account with a promotional offer of {$300.00}. I completed the requirements on XX/XX/2020 as shown on my statement. TD Bank is refusing to honor the bonus due to the fact that my account was opened when the promotion wasn't active. This is completely false. I have attached the promotional terms on the day I opened the account showing the offer expires on XX/XX/2020. The offer is still active now at https : //checkingbonus.tdbank.com. 

I also attached messages showing my attempt to resolve with TD where they made their claims.
Consumer complaint received 2020-08-07
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. (CA)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX  XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX  XXXX XXXX  XXXX. XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (TX)

EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! 
I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH STATES EMPLOYEES CREDIT UNION AND COMENITY WAYFAIR SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Tried to refinance adjustable rate mortgage of my condo to 30 years fix. Decided to go with Wells Fargo due to already being their customer for 15 year. Initiated application by phone on XX/XX/2020. Paid XXXX dollars. Quickly submitted tons of requested material. On XX/XX/XXXX received e-mail with demand to take our condo from market. Decided against it. Was told only partial refund will be given back to my credit card. FEELING BEING CHEATED by WF. Was not properly informed about refinancing of property listed for sale, only at the end of the process that became an issue.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MO)

2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (GA)

On XX/XX/20 I made a payment on NRS website as I have done previously. The total amount I agreed to pay was {$40.00} when I received my receipt the total amount charged to my card was {$46.00}. The receipt stated that there was a {$5.00} processing fee included but nowhere on their website or during the payment process does it tell you that they are charging you this fee. When I look at my payment history the totals do not include this fee or show the actually amount paid anywhere. I contacted the company and spoke with 2 people who stated that the consumer has to check a box agreeing to the fee, which is false. There is no box to check and it is not stated. Consumers can not pay multiple debts on the site at one time therefore they would be charged {$5.00} unknowingly for each payment.
Consumer complaint received 2022-11-04
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: General Motors Financial Company, Inc. (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.