davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AL)

XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX - I called into file a complaint about them lowering my credit limit on account for marathon and representative who was on the phone with me was very rude and decided that he would be funny and started to close all of my accounts up and totally hurt my credit. I kept having to call back in to get my accounts opened back up. They would be open maybe a week or so and this man would close all of them back up again. I kept going back and forth with Comenity Bank for over a month or 2 and after that I just gave up. This destroyed my credit and took my score down tremendously. I have never missed a payment on these cards and never been late. Just recently they gave me the XXXX card back after applying forever for it and having to put all these hard hits on my credit. The XXXX card has such a low balance and by all those credit cards being closed other banks cards gave me a very low balance. I want all my cards reinstated and the balances on them increased. I am so glad I found out about this place ( CFPB ). As a consumer I should not have to deal with this ordeal and no one else should either. That man talked to me so rude and if I was beneath him. I have never been treated in such a manner The proof of what they did on my accounts is on my credit report.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

I am a victim of identity theft, I have no knowledge of the said accounts listed in this report. Please help me in this process of removing all fraudulent account please and thank you. 

Everything is listed in the police report.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (GA)

D & A services is trying to collect a debt I have no knowledge of. They have violated section 809 15 U.S.C. 1692g- Validation of Debts. They have yet to validate this debt. I have not received any contact between them and I that I owe them this debt. I have not also received any signed contract bearing my signature. They have not sent me any document showing they have a legal right to collect this debt or collect in my state. I have ask them to cease and desist all communication. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity.
Consumer complaint received 2020-03-18
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)

I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

A year ago I had a problem with a phone that was stolen from my porch when XXXX delivered it. XXXX paid HSN for the phone, and HSN too it off my bill. I also had a service plan with HSN. They returned the service plan, too. My bill got down to {$780.00}. The next month it was {$1000.00} and they lowered my available credit and took back an increase they had given me. I have not been able to purchase anything from them in about a year and my account has not gone down. I have never missed a payment. Well, one month I forgot to pay and doubled up the next month. My bill is still the same as it was a year ago, in fact it is higher. As of now, I am locked out of my HSN account. I believe to stop me from gathering the information I need to make this complaint. They are trying to get me to pay for a phone that I do not have!
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services (FL)

This complaint regards Consumer Financial Services, the lender of my auto loan XXXX hereinafter " CFS '' ), and XXXX, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from XXXX, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with XXXX  regarding my auto loan through CFS, one dispute was without supporting documentation and the second was with supporting documentation. Both times, XXXX  denied the disputes, citing that CFS certified to them that the information currently reported was correct. XXXX, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by CFS. It should be noted that the correct balance and payment history for my auto loan through CFS is reflected on my TransUnion credit report and no dispute is required for TransUnion. I have not been able to check what Equifax shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with XXXX  blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to CFS on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for CFS shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by XXXX  for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.
Consumer complaint received 2021-06-18
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. (CA)

There are three accounts and 2 inquiries on my credit report that do not belong to me I need these removed from my credit report asap Experian is doing nothing about this and the furnishers dont care who opens up what under whos name as long as they get paid I am sick of dealing with this I need this removed asap!!!! 

XXXX XXXX XXXX  - Acct XXXX Amount {$170.00} opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amount {$14000.00} opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amount {$600.00} Opened XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX - Inquiry Date XX/XX/XXXX XXXX XXXX  - Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

i refinanced my home in XXXX XXXX the original lender paid my winter tax bill of XXXX.

my loan was sold to freedom mortagage, who also paid my winter taxes of XXXX. this caused me to have a negative escrow balance an escrow analysis that i was made aware of stated that i needed to pay an additional {$1000.00} to cover the shortage. 

escrow analysis showed that my summer and winter tax bills will both be paid in XXXX, which would cause a negative balance for part of the year. this is not correct. 

at the end of the year, after both tax payments and insurance, my escrow would still have a postive balance of {$560.00}, per their analysis. 

if my analysis considered correct payment of my taxes, the account would never be negative. 

i contacted freedom mortage on XX/XX/XXXX at XXXX XXXX. they indicated that the escrow analysis did not consider the incorrect payment of the winter taxes, and that they would reanalyze it considering the refunded {$1400.00}. they indicated that i would be notified when this was completed. as of this complaint, i have not received any notice from freedom mortgage. 

i again called freedom mortage on XX/XX/20. customer service failed to explain to me why i was requested to pay an additional {$1000.00} despite no substantial changes in amount due and transferred me to the tax department. tax department was not able to assist and transferred me back to customer service after more than 60 minutes already invested into the call.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

XX/XX/XXXX I received a PNC Bank loan for {$110000.00} In XXXX I did use the COVID payment deferment program, which I did only for four months. 

XX/XX/XXXX I called PNC for a payoff because I was selling my house to my daughter. PNC said they would not give payoff over phone but to look at my PNC mobile app and that would show the principal balance which is the same of what payoff would be which was a little over {$110000.00} XX/XX/XXXX XXXX XXXX XXXX who was handling my closing, said they called PNC and was told payoff was {$110000.00}. 

XX/XX/XXXX XXXX XXXX and several bank friends agreed it seemed impossible to owe almost {$2000.00} more than the original loan amount after making over 30 payments of {$980.00} to {$1100.00} each month. 

XX/XX/XXXX I called PNC Bank again and spoke with a payoff person. She gave multiple reasons of why this happened but even hinted it does seem odd to payoff more than loaned, after making payments for three years. 

Overall I just find it hard to believe I paid over {$30000.00} in interest ( 4.8 rate ) for 35 months. 

Can you offer any suggestions or help? 
Thanks
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We received notice on XX/XX/2020 that our loan was being transferred from XXXX XXXX XXXX, our initial loan company, to LoanCare, who had purchased the loan. In the paperwork that was sent, there was two parts that were concerning and needed further explanation. 

-- We were responsible to change the autopayment plan ourselves. 

-- We needed to arrange this payment plan with our bank. 

-- It would take time to process the payment plan, and therefore, to avoid missing a payment, the first months payment needed to be mailed. 

No further explanation was provided. When we attempted to contact LoanCare, we used three different phone numbers, all of which were automated systems. When attempting to reach a human being through these systems, the phone system would repeat the same message over and over, never reaching a human being. 

We mailed our first month check to the address provided as instructed to do on XX/XX/XXXX. The check was for the amount we were instructed to pay On XX/XX/2020, the check we sent was cashed, but an amount lower than the check value was withdrawn from our account. 

On XX/XX/XXXX, we received an email that the automatic payment would be withdrawn from the bank account and that it might be delayed. 

On XX/XX/2020, the automatic mortgage payment was automatically withdrawn from our bank account, despite being told we were responsible to set it up and that it would be delayed. 

After each of the previous mentioned dates, we again attempted to remedy the situation through sending an email, and again attempting to contact someone at the company over the phone, with the same results. 

All of the things we experiencedthe double payment, the inability to receive service, the lack of communication or remedyis all documented by many other people this month on XXXX. Our property is not the only one that underwent this experience. 

We would appreciate assistance. This has the appearance of fraud, especially since it is occurring multiple times to several other individuals.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

We have a credit card account with Chase bank with account number ending in XXXX. We lost our income due to the Covid-19 lockdown in XXXX of XXXX and because of this started to have trouble making our credit card payments. Chase Bank allowed us to defer several payments but after their short deferral period ended, they expected full payment of principle plus interest each month even though our income still had not resumed. We attempted to settle our debt several times over the phone with Chase Bank but found that the bank representatives were unwilling to consider any option besides full payment of the debt plus interest. 

On XX/XX/XXXX, we sent a letter to XXXX XXXX XXXX, CEO of Consumer Banking, making a bonafide offer to settle our credit card debt. The letter was sent via USPS certified mail and was received by Chase Bank on XX/XX/XXXX according to USPS tracking. However, Chase Bank ignored our letter and instead of using the letter as a start to negotiating payment of the debt, Chase Bank instead chose to start harrassing us with many automated phone calls starting on XX/XX/XXXX all the way to the present day - making upwards of 10 calls per day from different telephone numbers ( I have retained a detailed call log to document all of the phone calls from Chase Bank with dates, times, and call durations ). The purpose of the calls was not to engage in a discussion but rather to harrass, threaten, and intimidate us into making monthly payments which we could not afford due to us losing our entire income.
Consumer complaint received 2020-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (HI)

XX/XX/XXXX Hello Consumer Financial Protection Bureau : I am a XXXX XXXX XXXX and was finally accepted by the Public Service Loan Forgiveness Program in XX/XX/XXXX. At the time, my loans totaled {$25000.00}. My monthly repayment was at {$40.00}. 

But it has progressively increased and now it has climbed to {$290.00}. I called the servicer, Fedloan, multiple times but no luck ( long wait and no callback ). And when I called this week, I heard a message about customer centers closing down due to Covid 19. Yesterday, I tried to send an email on Fedloan 's website, but it failed. My email was dropped. 

I am very concerned as the amount past due increases. As a XXXX XXXX XXXX, I have had only a 3 % pay increase per contract ; I did earn extra income XXXX XXXX XXXX but it went to buying a car to replace my 14-year sedan that was beyond repairs. 

In short, I am filing a complaint on the poor customer communication provided by Fedloan, and more importantly, on the way how repayments are calculated because what has happened to me is unfair and impossible for me. 

I look forward to hearing from you soon. 

Thank you! 
~XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (GA)

I wrote a letter to Experian explaining that I was trying to improve my credit. In turn they intentionally tried to hurt my credit by deleting positive records from my credit report. Its absolutely terrifying to know that its people trying to harm others. 

The account they removed were XXXX/XXXX   XXXX  and XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Two closed accounts that never seam to go away. They were from XXXX of XXXX and XXXX of XXXX. They are still having a negative impact on my report. 
XXXX and XXXX XXXX.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have written letters to reporting the unauthorized review of my credit report, and made phone calls talking to multiple representatives and they reporting that that although I didn't give authorization for the review of my report that they have to report the review, and that they don't have remove the inquiries from my report although it lowers my score.
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage has not been applying payments from the Home Assistance Funds that I was awarded instead they are treating my account as a loan modification with a higher interest rate 5 %. they are reporting me to the credit bureau, and calling me constantly about being behind on my payments. The keep sending me letters about foreclosure and no one can give me a straight answer of where the government fuds are. They have not updated my escrow which is lower now that I have a lower insurance premium. They are charging me late fees and not applying the funds from the government correctly.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent Citibank an affidavit of truth on how they have violated me since then i have received the green return receipt further proving they have seen the affidavit and exhibits, pursuant to 15 USC 1602 ( p ), 1605 ( a ), 1635 ( a ), 1692j ( a ). This was a consumer credit transaction which characterizes the transaction as one in which the party to whom credit is offered or EXTENDED is a NATURAL PERSON, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Furthermore, the finance charge in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. SUM means TOTAL. I have explained to Citibank that under 1605 the finance charge there shouldn't be any payments, annual fees or interest.