davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/2019 {$2500.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian 's atrocious system of verification has caused me no end of problems and difficulties trying to obtain an auto loan. As a result, I have had to rent a car for over a month totaling rental fees of over {$1000.00}. 

They MUST develop a better system of identity verification instead of refusing consumers their free Experian credit bureau report AND refusing to unfreeze reports when consumers are attempting to obtain needed loans. 

Perhaps this is occurring because I routinely turn down their repeated requests ( or offers ) to upgrade my Experian account to their costly premium service? I don't think they should be asking me this every time I log in. ( By the way, why are they able to identify me correctly every time I log into the Experian website but refuse to unfreeze my reports when I need to apply for credit?
Consumer complaint received 2022-10-10
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. (NC)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX violated my rights. 

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 states that the consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been sending disputes to Experian about a public record on my profile and they are not investigating or taking any actions. I have already filed 2 complaints here and neither CFPB and Experian is doing anyting. I send them a letter saying that the courthouse does not verify with them about the bankruptcy and I requested my XXXX to be freeze and they keep saying is been verified as accurate. XXXX and XXXX have already deleted those items.
Consumer complaint received 2019-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore refuses to verify the accounting of my loan they have NO RECORDS from the preious Servicer 's and no one knows where my overpayments were applied. I have REPEATEDLY REQUESTED MY SERVICING FILE AND TO DATE HAVE NOT RECEIVED IT. 
They fraudulently foreclosed on my home and are trying to evict me despite denying my right to redemption, my right to have the debt validated, my right to know where my Money went There is over {$96000.00} in payments that someone has.
Consumer complaint received 2022-02-25
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. (MI)

On XXXX XXXX,2022 I sent TransUnion a notice to dispute inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting and no proof of investigation. Also, I have not given TransUnion written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.
Consumer complaint received 2022-02-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (WA)

" Suntrust now Truist '' ( Bank ) is our mortgage provider for the property we own at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Our mortgage is a fix rate mortgage with no escrow. In 2021, due to miscommunication between our insurance agency and the bank, there was a misinformation about our insurance coverage ( They claimed we don't have an insurance despite we had coverage without a gap ). We pay our mortgage automatically from our personal bank account every month regularly. 

The bank opened up an escrow account without our consent and knowledge, and started demanding additional payments, around XX/XX/2021, for additional insurance coverage they claimed they provided. 

The mortgage statements provide a phone number and a web address for customer service, but no mailing address for the customer service. We could not reach anyone using the phone number provided in the mortgage statement from XXXX TO XXXX, XXXX. When the number is called, the automatic answering machine only stated that there was a transition of the mortgage between companies and we should continue making payments and no credit reporting would be done during the transition. The mortgage statements ( including the website ) do not provide any mailing address for the customer service for us to communicate any other way. 

Finally, we were able to reach the customer service in XXXX, XXXX and proved the fact that we had insurance and no escrow was needed. 

The bank admitted and canceled the escrow. However, we realized that the bank reported the incident as unpaid mortgage to the credit agencies and also started a foreclosure proceeding and put notations on the property, which irritated our tenant and we lost a tenant because of that The letter we received from the bank ( lender ) on XX/XX/2021 stated the bank canceled the escrow and also they retracted their reporting the credit agencies on XX/XX/2021. 

However, we checked our report on XXXX and it appears that they did not retract their reporting. Our credit score was above 750 in early XXXX. After their false reporting to the credit agencies, our XXXXredit score dropped to low 600s. We were planning to buy a property by the end of XXXX, but we could not purchase because of it. 

We sued the bank in XXXX XXXX ( WA ) and won for only a portion of the damages. 
We are planning to file law suits in many other counties, until this bank responds to our concerns fairly. 

We made additional {$2700.00} payment in XXXX so that they would stop reporting our loan as a default ( They demanded this ; otherwise they would keep reporting as a default ). After the bank admitted their mistake, they paid back only {$1800.00}. The bank writes back with many different explanations and accounting tricks to justify, but at the end, they overcharged us in addition to their false credit reporting. 

PLEASE SEE ATTACHED EXHIBITS : Exhibit # 1 : Proof of Insurance Exhibit # 2 : Our payments Exhibit # 3 : Letter received on XX/XX/2021 Exhibit # 4 Credit Reporting on XXXX
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have credit car issued through Cabela 's Visa. This card had a due date of the XX/XX/2018, that was missed due to illness. The card company issued a late payment fee of {$35.00}. In addition they lowered the line of credit for the card. In doing this they affect a persons credit score and profile. The do this by creating a situation in which the credit is closer to being max out and the percentage is higher causing the credit score to be affected. Make it a double jeopardy event. Now this is not after a 30 day late payment. It is changed the day after or in this instance 6-7 days after the late payment was missed. This takes and places undo hardship upon a customer and causes two penalties related to the single event.
Consumer complaint received 2022-10-10
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$400.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Ive been working on medical bills issues with Covid and now another health issue and more out of pocket expenses.. State employee credit union is playing games with me and has single me out from the rest of their members.. Ive talked with one member as the pandemic is ongoing.. In 2019 around XXXX I went to the XXXX XXXX XXXX had XXXX in XXXX bills asked for XXXX XXXX in tens XXXX  in fives and XXXX in ones. I didnt count the money.. I then handed over to a store owner.. Later that day got a call from credit union that I was giving to much money in fact I was given XXXX in fives and to turn in the transaction.. I told the credit union that the money was given to store owner .. months and yrs to follow I have received letters affecting me my mortgage ect.. I have every letter that was sent and would like help with this on going issue
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Experian. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Experian to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with XXXX XXXX XXXX.
Consumer complaint received 2021-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX I mailed a letter disputing a collection from front line, TransUnion removed that collection onXXXX. Now, its reinserted as of XXXX. It is against the law to reinsert after a collection has been removed. I also sent in a letter on XX/XX/XXXX stating 9 inquiries are fraud and need to be removed. They are still there!
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TN)

On Saturday XX/XX/2020 we attended a XXXX XXXX Update at XXXX XXXX XXXX XXXX. XXXX XXXX SC. Shortly thereafter I receive 2 Vacation Club Credit Account Statements in the mail from Comenity Bank. I did not sign any paper work requesting these accounts. I never received an actual card but the mail that came to me had the entire credit card number printed on it, along with the credit limit. This came in the regular mail. If it had gotten into the wrong hands, they would have all of my information. 

Since I did not ask for this card, I do not understand why they opened an account. it had to have been done through XXXX.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I received a false and misleading letter from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 alleging I owed a debt. The alleged debt is disputed. The alleged debt is not validated. 


To LINEBARGER GOGGAN BLAIR & SAMPSON, LLP, and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Linebarger Goggan Blair & Sampson, LLP ( LINEBARGER GOGGAN BLAIR & SAMPSON, LLP ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Linebarger Goggan Blair & Sampson, LLP
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have my checking account with Bank of America. Upon accessing my account via ATM a week ago, I discovered significant funds missing. It turns out two checks were forged for my account, including one for over {$31000.00}. I have been trying to talk to BofA 's fraud department for a week, and I have been getting the runaround repeatedly, including not responding to my repeated requests to see a copy of this forged check. The bank keeps telling me " it's under review '', but I get no assistance to resolve this situation in an expedited way, given the bank, as XXXX XXXX, is liable for clearing a fraudulent check. This amount of money is extremely critical for me as an XXXX-year old woman.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

My mortgage company, Mr. Cooper, modified my mortgage of {$230000.00} in XXXX. They added {$96000.00} to my as fees which they never gave details to me. The modification ranged from 2 % to nearly 5 % within 6 years. This raised the monthly payment from {$1800.00} to nearly {$2500.00}, putting me back to the financial struggles I had at the beginning. In XX/XX/XXXX, I took forbearance because I could not afford the payment. And I have exhausted that option. 

I have asked the mortgage company to remove the added fees plus accrued interest and they have refused. Please advise where to find assistance to restore my mortgage. Thank you.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (DE)

On XX/XX/XXXX you informed me by e-mail that Discover Card responded to my previous complaint but I do not see that response. Moreover, Discover not only failed to resolve my dispute in the latest statement they added new charges for my refusal to pay their fraudulent charges. I therefore file this new complaint with addition of supporting documents. 
The full story is as follows : In early XX/XX/XXXX I purchased in XXXX XXXX XXXX 32 piece chess set as " XXXX XXXX XXXX XXXX XXXX XXXX. '' That set of chess had all figurines of major Republican and Democratic officials except for the Democratic nominees : XXXX  and XXXX XXXX. Inside the box was a pamphlet that indicated that in order to get those two figurine I have three options : 1 ) make an order on a website XXXX ; ' 2 ) call toll free # XXXX ; or 3 ) mail check or money order for {$9.00} + {$4.00} S & H to : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. I chose the third option and mail a check approximately in the middle of XXXX. Regrettably I did not put the date on the check but surrounding that check other check indicates that it was dated approximately XX/XX/XXXX or XXXX, XXXX. 

I did not get any response not did I get any requested figurines of XXXX  and XXXX. On XXXX I used the second option and placed an order by phone using that Discover card. I also used my e-mail for communication. I received a confirmation of that order by e-mail. Two pages of that confirmation is attached to this complaint. 

On XX/XX/XXXX XXXX submitted my check for cashing and it was cashed also on XX/XX/XXXX. ( copy of the cashed check is also attached to this complaint ). I was very upset when I discovered that because I wanted and needed only one set of Democratic nominees. I received that set but was charged twice for those two figurines. Moreover, on XX/XX/XXXX I was charged {$1.00} and {$13.00} for unknown " merchandise. '' Then on XX/XX/XXXX I was charged another {$12.00} for unknown " merchandise. '' I did indeed received two packages from the same California address from which I received original package with XXXX  and XXXX  's figurines. I do not know what was in those packages. Without opening those packages I returned them back. Copies of front of the packages and XXXX XXXX XXXX receipt for accepting those packages for return are attached to this complaint.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On or about XX/XX/2021 I attempted to pay off the balance off my car loan in settlement of the entire debt, after getting no resolution form the agent, supervisor or manager, I asked to speak with the department head of the loan department. I was told that I needed to get a call back that was scheduled to be returned within 24 bto 48 business hours and that was the only way to speak with them. I never received any return phone call from the Bank of America Car Loan Department head, and I again made another call on or abpout XXXX XXXX. I again spoke with an customer service agent, a supervisor, and a manager and was again told that another call back would be scheduled and I would receive a call back from the department head within 24 to 48 business hours. i NEVER RECEIVED A RETURNED CALL. All of this time the bank allowed the interest to accrue on my debt daily, while I waited in accordance with their policy for a return phone call that never came On or about XX/XX/2021 I went into a bank branch and addressed the issue to a branch manager, who stated all she could do was put me on the phone with a car loan person, I again spoke with the car loan agent, then a supervisor, then themanager, but this time the manager transferred me to a person whom identified hiomeself as the car loan director. After some discussion he indicated that he would credit the payoff as being made on XX/XX/2021 since the banks failure to contact was their fault, and I notified him I would deposit the funds into the bank account to pay the balance. On or about XX/XX/2021, the same day, I deposited the funds into bank, and paid the entire balance of the car loan at the teller window. I was charged interest rate for XX/XX/2021 - XX/XX/2021, despite the fact that I paid the balance IN FULL on XX/XX/2021. The bank then took two days ( until XX/XX/2021, to credit my account. Even though the bank posted my payment on XX/XX/2021 ( When it was actually paid on XX/XX/2021 ) They still charged me and forced me to pay daily interest for XX/XX/XXXX - XX/XX/2021 in my final payment. I demanded that the clerk give me an accurate account of the bill, and the same day pay off amount but she stated it was nothing that she could do as the payoff amount through XX/XX/XXXX was what she showed in the system. I subsequently called bank of america again, and again spoke with a customer service representative, and supervisor, and magaer and was again told that I would receive a callbak which never came.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (GA)

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-02-06
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: WELLS FARGO & COMPANY (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.