davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AL)

In late XX/XX/XXXX I got notices from the new servicer of my loan, Rushmore servicing, Dr. Cooper, stating that my insurance was for not enough, and they needed the full amount of my mortgage for my insurance. They had done this before and pulled that out during a dispute with them in XXXX. When I contacted them and said in XX/XX/XXXX, that They were doing this again to me and I had insurance and why do they want more insurance? It was insured for the full insurable value. I couldnt go any higher than that. They dont take into consideration the value of my real estate, the actual property. After I made that complaint, they did some research and in XXXX the insurance department told me they had backed all that force place insurance out, and my payments would not be affected. That is not true because they are still wanting me saying I owe them over {$3000.00} and my payments have gone up over {$600.00} a month. Im having to pay and high payment now to not be late. I can not get through to anyone on the phone when you go through their system. I have pressed every button trying to speak to someone. I have to go on and do contact us and send a message and then someone would call me. That happened one time that someone called me. Shes the one that ordered the new escrow analysis and said I could get that money back but to call back today to see if its been done I cant find out if its been done. There was one done right after I talked to her that does not satisfy me because it still shows a very high payment, and I needed explain to me. You can not speak to anybody with Rushmore servicing on their customer service number. I get thrown automatically into this automated Web system of press this or press that, and when I say speak to a representative, they say OK you need to speak to a representative, what is it about a payment or what so you press payment and it says heres how you do your payment. Then it says it can only do payment online and that I cant speak to a representative. XXXX is the only number you can get unless you live in Texas or New York and then you can get a live representative.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NE)

I had a credit card with Citibank and in XXXX they decided not to renew my card based on my use of a credit reduction program that I was in many years ago, before I even had a card with them, did not involve their this card and without me ever missing or late on a single payment at any time. But this is not what my complaint is. The problem I have is that I earn rewards by using this card and had accumulated {$400.00} in XXXX reward money over the course of the prior year and they have refused to pay out this reward based on my account being closed which I did not ask for and it was forcefully closed by them! These rewards were earned BY ME based on the promotion they offered to pay cash back on credit used on their card. I strongly believe I am due these rewards and upon calling them and speaking to multiple managers I was denied these rewards regardless
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

On XXXX XXXX, I had deposited {$220.00} into an ATM machine in XXXX, MA. There were XXXX bills - XXXX {$100.00} and XXXX {$20.00} but the ATM reported only {$200.00} and I was missing {$20.00} so I went to the branch inside reporting this error. They fled a claim for me for the missing {$20.00} and XXXX days later that claim was denied which is just ridiculous and I lost my {$20.00}. I spoke to the branch manager XXXX XXXX at the XXXX location and she wasn't helpful at all and no one helped me get my {$20.00} back which is just ridiculous. I need my {$20.00} that the ATM ate up.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Ive sent countless letters to Transunion about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CO)

1 ) On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
refused to code it for the insurance company as a XXXX XXXX XXXX XXXX  I made multiple attempts to have him change the coding, but instead he sent me to the credit agency for collection. I made it clear to both XXXX XXXX and ICS systems credit agency that the billed amount was in dispute because of the improper coding. Nevertheless ICS kept hounding for the money. I send them a check for an amount that I thought was appropriate with a restrictive endorsement stating that endorsement constitutes a satisfaction of the disputed amount. I consulted a lawyer in XXXX who indicated that the restrictive endorsement should satisfy the debt.

2 ) In summary ICS has harassed me and damaged my credit over an amount that is in dispute. I sent a check with a restrictive endorsement that they cashed and they continue to pursue for the balance.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (OK)

Fraudulent and didnt give the okay to do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am liable for this debt with XXXX XXXX. I did not have a contract with XXXX. XXXX, XXXX Acct # XXXX they did not provide me with the original contract as I requested.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AZ)

I do not owe any debt to this place. Ive never had an account with them. They called me 8 times within 7 days. They called me TWICE A DAY on 4 separate occasions. That I have record of they have called me 2x on XX/XX/2022, called 1x on XX/XX/2022, called me 1x on XX/XX/2022, called me 2x XX/XX/2022, called me 2x on XX/XX/2022, called me 1x on XX/XX/2022, called me 1x on XX/XX/2022, called 1x on XX/XX/2022, called me 2x on XX/XX/2022. This is just what I have proof of but they have called me more than that. The week from XXXX XXXX they called me 8 times ( more than 7 times within 7 days ) When I talk to them they will not give me any information about who is calling, what they are calling about, they didnt tell me of any debt I owed. When I called them to ask questions they still could not tell me why they were calling me or how they have my name and phone number. It was disruptive to me at work and on the weekends at home. Im worried this JP Morgan is going to have fraud put on my credit report from debt I dont owe. The two numbers they always called me from are XXXX ( XXXX ) XXXX and ( XXXX ) XXXX.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received an email from XXXX XXXX  notifying me that a hard inquiry was made on my credit reporting agency named trans union.My account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if XXXX XXXX is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

XXXX XXXX  is not applying payments received to the mortgage account. In total, the bank has not properly applied {$5600.00} received by the bank since XX/XX/2018 to the mortgage. 

A cash payment of {$650.00}, made to a Key Bank branch, is unaccounted for. This is despite having provided them with proof of the payment in the form of a tellers receipt that includes the dollar amount and the account number. This payment was made 4 weeks ago and they still have not provided any information on the whereabouts of these funds. 

In addition, the bank has either held or returned payments of {$1000.00} and {$500.00}. 

The bank does not adhere to or apply the policy stated on their mortgage statement documents regarding partial payments. 

Customer service is is unaware of their policies and can not provide details on policies or the status of payments. 

The bank has failed to provide the terms and conditions that apply to the loan in over three weeks.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (ME)

Acima Leasing XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX UT XXXX. XXXX - XXXX XXXX for XXXX via XXXX XXXX continues to harass me for thousands of dollars in appliances. A delivery I cancelled with the delivery company, XXXX XXXX on or about XX/XX/year> via telephone at XXXX & XXXX. Those items were never delivered as a result of that request and returned to XXXX. Acima REFUSES to corroborate this information, review or investigate and calls me repeatedly 6 or more times per day on average. I have done everything in my power to resolve this issue in a timely and courteous fashion. The leasing company has not been receptive to the information, a willingness to even attempt to verify the debt or cooperate with me in anyway. In the Invoice attachment " Items to be shipped '' were not now nor have the been received. This order was CANCELLED.
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 )  They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears
Consumer complaint received 2022-04-14
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. (AR)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX Dept of Education 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.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Hello, I just noticed that there is unauthorized information in my name being used on my credit reports & would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and they are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's identity theft affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

XXXX - XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-27
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. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed a collection that was on my credit report with Trans Union because the collection should never been on my credit report because the collection was brought into court and case was dismissed by our local court and two it was during the Pandemic. Trans Union was notified of the collection. After their so called investigation, they came back and said, that it was valid debt. They were given the case number and the court information and they still came back saying that its a valid debt. The amount is for {$12000.00} with XXXX XXXX XXXX. How can something be a valid debt that court dismissed or terminated the plaintiff case. Someone did not their job in their investigation.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions. I reject everything they said here : On XX/XX/XXXX the apartment all ready has been rented by new tenants. XXXX her self told me that they will have new tenants on the XXXX of XXXX. I vacate the apartment since XXXX first. Why all this charges after vacate the place? And they do have the mover insurance as well. I didnt make any damage in the property. I didnt make any late payment. I wasnt late to move for them to charge me XXXX $ I didnt Damages - Trash removal from move-out Neither Damages - Drywall Repair on 1st and 4th floors I move out the XXXX of XXXX. And the apartment was way clean. I sign this form on the XX/XX/XXXX on good terms that Im moving out on XX/XX/XXXX. XXXX send it to me to show that Im moving out on the XXXX of XXXX. Doesnt show that I owe them of broke anything. This form is for all tenants when you are moving out a month before to vacate the apartment.
Consumer complaint received 2022-04-14
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. (GA)

On XX/XX/2022 I sent a dispute letter to XXXX and Experian to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent XXXX and Experian a receipt showing payment made and agreement of the settlement. XXXX sent me a letter back stating verified as accurate and updated Experian the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.
Consumer complaint received 2022-04-13
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. (IL)

In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-08-29
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. (AZ)

This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
Consumer complaint received 2023-01-13
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.
Consumer complaint received 2021-06-12
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. (CA)

I sent multiple letters to equifax, XXXX, and XXXX regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.