davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

This started from the XXXX month of closing my home with Crosscountry mortgage- where they started to XXXX me about collecting a debt of which gave me u til the XXXX of each month to pay started to call me on the XXXX of the month - my payment originally at closing was for {$2700.00} which has gone out every mo th since XXXX of 2021 until now which they stated I was Short $ XXXX of escrow - which they purposely never sent me a notice that there was lapse of my home owner insurance which they went out on their own to get a homers insurance at XXXX times the price where my original home insurance was XXXX they went out and got one for {$8000.00} which is ridiculous they never notified me nor call me they did have my current XXXX address which I never received anything until XXXX months later when I asked why are they calling me with the collection of asking me for {$5000.00} which then they find re adjusted after I got a new home home insurance for the same price instead of XXXX I got it from state then my flood insurance went up by three times. Return my mortgage payment of $ XXXX- they should be responsible for scamming me. Scammed me of escrow all Of a sudden from XXXX to XXXX escrow balance - they ARE XXXX  - my credit score dropped from XXXX to XXXX!!!!! when I give them a call Im always been transferred from Customer Service collection to insurance to back to Customer Service which is ridiculous nobody talks to each other and yet I get calls cost me which is harassment so I need to report them because now theyve messed me up with my credit and mark me 30 days late Ive been having excellent credit since
Consumer complaint received 2023-09-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. XXXX XXXX has given me 3 separate inquiries 2. XXXX XXXX 3. : Bank of America 4. XXXX XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I sent a debt validation letter to LVNV FUNDING LLC on XX/XX/22 tracking # XXXX which they responded with a letter from the court house which I was never aware of I also requested more information from them regarding the debt I requested my signed contract most recent bills which indicates date of last payment and date of delinquency and payment history what they sent is insufficient to my request and I have never done business with LVNV and the only proof I need would need to come from the original creditor I followed up with another letter requesting more information and once again they have replied with the same paperwork this was done on XX/XX/22 tracking # XXXX I also reached out out to original creditor At this time they are refusing to reply to my request and I need more information please remove this from my credit report as they are refusing to provide all required information they have also failed to indicate that how and that I can Dispute the information please see attached items
Consumer complaint received 2022-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Foursight Holding LLC (TX)

I am the agent XXXX XXXX XXXX communicating on behalf of the principal XXXX XXXX. I am a consumer pursuant to 15 U.S.C. 1692a ( 3 ). There are no third parties involved in this matter.

The debt has been paid.

All information needed to resolve this matter will be included in the attachments.
Consumer complaint received 2019-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (TX)

I have a balance of {$1900.00} on my credit report from Credit National Systems that does not belong to me but a family member. Ive disputed this charge for 2 years. I have been receiving calls threatening to seize assist because of this debt. I asked them to provide documentation to show this debt is mine.. I received an email on XX/XX/2019 and none of my information is on the document. They continue to call with threats to make me pay this debt. I refused to pay as well as requested they remove the debt off my credit.
Consumer complaint received 2019-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC (FL)

I need XXXX to act as arbitrator in this case where the original lender and collection company evade their responsibility, thus damaging the client. Then the response of one ( Mobiloans ) and another ( XXXX )
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (OH)

I received a Payoff statement on XXXX XX/XX/2021 for the amount of {$610.00}. I immediately sent a wire from XXXX XXXX. That wire was never accepted so I sent a wire through XXXX XXXX for the amount of {$610.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX, Account number : XXXX, Attn : Payoff Department. 

I have been calling with no results. I have sent multiple e-mails to multiple people with no success. All I want to do is payoff my mortgage. They have locked my account online so I can not do anything through my account. 

I have copies of all the transactions. 

Now they are saying I am late yet I am paying off my loan 10 years early. I don't understand. Please help. 

XXXX XXXX XXXX XXXX cell
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I 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 XXXXXXXX XXXX, US DEPT OF EDUCATION/XXXX XXXX , US DEPT. OF EDUCATION/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
Consumer complaint received 2022-05-17
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. (CO)

in accordance with 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

I submitted a cfpb report and they claim they cant find my case.. This totally unacceptable that they can not find my account. Therefore, Wells Fargo closed my account after completing my claim. The agent said he was mailing my new debit card and I was good. I tried depositing some money and my account was closed on XXXX XXXX. They mailed my debit card on XX/XX/2020. My phone was stolen out of my car in XXXX. I told them my debit card and phone was in the card because I brought my XXXX XXXX card and other phone in the party. My phone was unlocked with my info available in the notes. The scammer tried putting fraudulent checks in my account. I even told the bank to run the cameras back and they said they agree they didn't see me on camera at the teller. Claim # XXXX ... Debit Card Last Four XXXX AND ACCOUNT # LAST FOUR : XXXXThey lied to me about keeping my account due to no fault of my own. They wouldn't believe me that I didn't have a code on my phone. How could you tell me what I have on my phone. This in unacceptable.
Consumer complaint received 2022-05-17
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: CLGF Holdco 1, LLC (TN)

A credit card company Destiny is reporting an open account with a balance due and I have not activated this credit card and the charges they are posting is a yearly fee that I refuse to pay because I do not want this credit card. I have not activated or ever used the card, I disputed this account with XXXX and there updated investigation shows no change to my report and this account is still showing now with a XXXX dollar late fee added
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-26
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. (NC)

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 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was mistake to close my Paypal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. My Paypal account Title is XXXX XXXX, Yes! I am a XXXX XXXX XXXX but whene the covid19 lockdown, I stop my Job as a XXXX XXXX thats why I became an XXXX XXXX XXXX XXXX XXXX My paypal account XXXX has stuck funds in it that I have to withdraw asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds Thank you and Godbless. 

For Identity verification I attached my valid ID. Please see attachment.
Consumer complaint received 2022-05-17
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: National Credit Systems,Inc. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the accounts to all three credit reporting agencies and they have not corrected this information and identity theft packets. No action has been taken to remove these fraudulent accounts. Also, inconsistency on credit report, derogatory inquires, and reports errors.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

Borrower suffered business loss resulting from COVID however he had another business that suffered as well but was able to recover. We submitted an application for assistance but was denied. One of the reasons for denial was borrower 's delinquency exceeded program guidelines for a loan modification. Borrower had saved significant funds but did not have all of the funds to reinstate. We requested information to determine what was the requirements for the program guidelines to qualify for the loan modification program. The representative refused to provide that information.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-17
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

XXXX XXXX XXXX XXXX XXXX made an unauthorized inquiry
Consumer complaint received 2022-05-17
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. (MD)

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

XXXX XXXX XXXX XXXX XXXX made an unauthorized inquiry
Consumer complaint received 2019-07-20
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: STATE FARM BANK, FSB (IL)

On XXXX XXXX XXXX XXXX XX/XX/XXXX University XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX did a unauthorized Inquiry to my credit report. the address of XXXX XXXX XXXX XXXX XXXX, Il. XXXX I have contacted XXXX fraud department, and called each company and this has not resolved anything, I've sent them letters as well.
Consumer complaint received 2022-08-17
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. (FL)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Collection XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX NV XXXX # XXXX LXXXX 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 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (GA)

I got a fraud call on XX/XX/XXXX from chime saying someone was trying to use my account to pay for a doordash order. And it said that I should text back when chime text me no or yes if that was valid. When the text came through I texted no. Saying that I did not authorize that payment. I was at XXXX at the time and I was in line using my chime card at the time. And I made a purchase at XXXX on the same night. After that I went home and I check my chime app and it said that i authorized some transfers to a person name XXXX XXXX in the amounts of {$550.00}, {$1100.00}, {$300.00} {$25.00}, {$10.00}, and {$5.00}. I do NOT know that person and I did NOT authorize those transactions. I did a police report the next day and I reported that issue to chime. Between XXXX est and XXXX pm est those transactions took place. Also at XXXX another transaction from XXXXXXXX XXXX XXXXXXXX for {$9.00} took place I did NOT authorize that transaction either. At that time In was driving home from XXXX. Chime did an investigation and said there was no fraud. I am beyond upset. I feel like they did not investigate the matter correctly. because they alerted me that there was fraud and then went back on there word and said no fraud. They also suspended my account for a few days and had me to verify myself in order to open my account back up so I did. Please help me I am a single mom and I was going to pay for a prom dress for my daughter and pay some bills that were behind. That was my income tax money. They also issue me a new card without me asking. I had my phone and my card no one has access to my phone or card. Someone hacked my account that is what I believe. I also make purchases online as well. XXXX
Consumer complaint received 2019-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (CA)

Tried to resolve debt 1 year ago with a lump sum payment which They didn't want to do. So we had been receiving this letters in mail with someone else 's its name. By law your not suppose to open mail that's not yours. My credit scores have been hammered this whole time and haven't received a single correspondence with my name on it..
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION ()

I am an XXXX, a XXXX XXXX, living in XXXX. I have an account at REGIONS BANK in XXXX, Florida, where my pension and SSA is deposited monthly. 

My ATM Card expired XXXX. I've been attempting to obtain a new ATM Card from REGIONS BANK since XXXX. Today is XXXX. I have emailed the bank multiple times explaining that I am without access to my funds until I receive my new ATM Card. 
I have even asked them to XXXX XXXX it to me. 

I continually get the same response from the bank that it can take up to 10 days to receive since I reside in XXXX. Their responses seem preprogramed with minimal Customer Service to my predicament. Now, 20 days later they're responded that instead of the 10 days they first mentioned, it can take 30 days. 

As of today 's post I still have not received my card, which leaves me without access to my money for living expenses and medical expenses. 

If you can advise me I would be most appreciative. Thank you. 
XXXX XXXX email : XXXX I
Consumer complaint received 2022-10-26
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. (CA)

I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to XXXX, XXXX, and Transunion containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OH)

I have a chime account that has an unauthorized transaction on it. " XXXX XXXX  From Us bankremaining Funds Returned To Us " is the entity that withdrew the find from my account. And yes, this is the exact way that it appears on my statement. Looks " fishy " to me.They keep calling this transaction a " bank adjustment ". I've spent several hours on the phone and online with chime trying to dispute the claims. Just to have them tell me that their policy states that " any bank adjustments can not be disputed ". They even told me that it must be from XXXX BANK and to give them a call to settle things. So I did. They couldn't find anything in my name. I even had them run my social security number. And nothing came back. Someone from XXXX BANK told me to have chime call them back. But they wouldn't accept the phone number. Plus, not too mention that I've never had business with " XXXX BANK ". This happened on the XXXX of XXXX. It is now the XXXX of XXXX. And even though they see the transaction on their computer. They still will not do anything remotely to help resolve the issue. I'm totally stuck at this point. Not sure what to do from here. I've exhausted all of my means. Their customer service XXXX!!! I can't even file a dispute to get the investigation going. I speak with an agent, then to the dispute dept, then to a supervisor, and finally to the " team member " dept. If there's even one. Then we repeat this circle over and over and over. Noone ever really helps. Just passes you on to the next agent. TERRIBLE!!!!!