davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XX/XX/XXXX my mortgage was purchased by Fifth Third Bank from XXXX XXXX. Taxes & Insurance were escrowed. In XX/XX/XXXX Fifth Third Bank failed to pay the Homeowner 's Insurance premium. Efforts by myself & XXXX  XXXX XXXX failed to extract payment from Fifth Third Bank. XX/XX/XXXX my insurance was cancelled for non-payment. Payment was made late ; XXXX   XXXX reinstated the policy without lapse. Since cancellation, Fifth Third Bank has harassed and threatened me over providing proof of insurance for the lapsed period. In XX/XX/XXXX Fifth Third Bank notified me they had purchased a " Forced Placed '' insurance policy on their behalf from XXXX XXXX XXXX XXXX in the amount of {$2200.00}. Funds were taken from escrow for this purchase, creating an escrow shortage, and creating an increase in monthly mortgage payment. Payment already made was not applied, my account was placed in past due status, additional funds have been demanded, and I am threatened with foreclosure. Despite all efforts to get a response from Fifth Third Bank, they have ignored my phone calls, emails, and complaints filed with state agencies and government representatives. They are insulated from consequences of their bad acts, from their fiduciary responsibility failures, and from the stress, anxiety, and fear they have visited upon this XXXX year old retired veteran with a son in XXXX whose home-of-record is this house. Fifth Third Bank needs a trip to the woodshed.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

Frost bank called me today... I talked to a lady name XXXX she said someone opened up an account with my name online... I told her it was not me she said she kind of figured that..She told me she will close the account..And she gave me this website to file a compliant..She didn't give me the date or the amount
Consumer complaint received 2022-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX VyStar credit Union overhaul their mobile banking it crashed. It is now XX/XX/XXXX Mobile banking is still inoperable. VyStar and any other mobile banking at this point everyday necessity five stars Mobile banking has been down for exactly one month today as myself and anybody else that uses we are hindered severely I understand this is a major glitch I may or may not change credit Unions at this time but mobile is vital. I am hindered because I can not see my account I can not move money properly where I needed to be I have children who do not live with me and pay child support to them I have bills that need to be attended to or monitor and I am just hinder all the way around without It I have been in overdraft in my account several times a the banking new version crashed my worst fear is not being able to pay a bill and or going into default somewhere financially which would definitely affect my credit score!
Consumer complaint received 2019-11-18
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: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX I have called American Express about an account being made without my consent. I even asked the company if they can help remove it. Since that date I have not received any notifications or updates on the investigation. The last thing I heard was that the investigation will take about 30 days. 

Last week on XXXX XXXX in the morning I went to XXXX XXXX to purchase a new car I contacted XXXX to confirm that everything was cleared up before I made any purchases. According to my fraud case specialist from XXXX  the results still showed American Express was still on my credit report. The dept was also XXXX dollars according to my credit report. XXXX  confirmed with me that the account was made from some one who used my Social security number. 

Today at XXXX I contacted the Amercian Express Fraud Department in regards to this case. They have not resolved the isuue. We spoke with XXXX from the Amercian Express Fraud Dep. Again he said it will take another 30 to 60 days even though our case has been put as a priority. 

I need help to resolve this issue
Consumer complaint received 2021-10-11
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. (OH)

I have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable
Consumer complaint received 2020-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2020 Federal Trade Commission Consumer Financial Protection Bureau re : CHASE MORTGAGE - PROOF of CHEATING Dear Sir/Madam ; Shown below are three of my mortgages with Chase Mortgage, printed out on XX/XX/2020. 

In each case, you can see how Chase Mortgage is cheating its customers. I had called and spoken to a Chase Representative ( see details below ) about all extra payments going towards my principal and NOT being credited to future payments or escrow. The Chase Representative said he made some change in the system for each of these mortgage loans and assured me it would NOT happen again. This was in XXXX, however the very next month you can see Chase Mortgage incorrectly applied the extra payments and is waiting for me to find it and inform them that it is wrong, rather than doing it right the first time. 

Chase Mortgage has a pattern of cheating its customers and I ask they be audited to identify these issues and make them stop these corrupt practices. In addition to this most recent incident, I have a HELOC account with them also, and there too they have misled me in conversations and added all sorts of fees to my account. I have stopped payments on this HELOC account starting this month and am holding it in another account. I need help in dealing with Chase Mortgage, as they dont seem to want to resolve this honestly and accept fault for their mistakes or dishonesty. 

I can prove this behavior of cheating customers and would like some sort of an audit done with their mortgage division to identify the depth and breath of this cheating. My contact information is below, I look forward to hearing from you. 
Sincerely, XXXX cc : Mr. XXXX XXXX, Co-President and Chief Operating Officer, JPMorgan Chase
Consumer complaint received 2018-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX XXXX and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.
Consumer complaint received 2018-04-28
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: EQUIFAX, INC. (NC)

I HAVE SENT CERTIFIED LETTERS TO EQUIFAX TWICE IN REGARDS TO THESE INQUIRIES EQUIFAX MORTGAGE SERVICE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AND XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX   - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX AND XXXX AND THEY KEEP TELLING ME THEY ARE A FACTUAL I SENT IN A IDENTITY THIEF AFFADAVIT AND THEY HAVE STILL IGNORED ME WITH THE AMOUNT OF IDENTITY THIEF THEY KNOW BETTER ALL THEY DO IS SEND THIS INFORMATION SOME WHERE IN ANOTHER COUNTRY AND THEY NEVER READ OR INVESTIGATE ANYTHING HOW WOULD THEY FEEL IF THE SAME THING WAS DONE TO THEM THEY ARE IN VIOLATION OF THE FCRA THEY ARE SO CROOKED
Consumer complaint received 2022-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -XXXX  XXXX  XXXX XX/XX/2022 XXXX XXXX ) XXXXCapitalOne XX/XX/2022 ( XXXX )
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to Portfolio Recovery and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time Portfolio Recovery calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.
Consumer complaint received 2018-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX, I called hyundai motor finance to put my account on an autopay arrangement. This was never completed, I was never contacted by Hyundai motor finance and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as Hyundai with proof of my payment and my phone record showing my phone call to setup the autopay.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options.

I thank you in advance for your assistance and response.
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I went in to the company for an XXXX XXXX XXXX, and was not informed at the time of any charges owed. I received notice later to pay a balance of {$270.00}, which I paid through their online portal. I continued back for the few weeks, to see if there were to be additional charges. I received notification a couple of months later, indicating that I had a past-due bill. I logged into their online portal to see a late charge of {$110.00}. I called the company, and inquired about it, and why I didn't receive notice until it was late, to which they replied it was a mistake and removed the charge.

I received another notice another couple of months later indicating that my bill was late. The same charge was sitting at the next threshold of delinquency. I called the office again, and again they removed the charge. I continued to check back for the next several weeks, confirming that my account balance was {$0.00}. I received a third notification when the bill was another couple of months " late '', again I called and the office removed the charge. The amount was again XXXX  out. I again continued to check back for the next few weeks, confirming the amount had been XXXX out.

I then received notice in the mail that the bill was delinquent and now in collections. I called the office, and spoke to the office manager who advised that the description on her end was for XXXX XXXX, whereas I had been seeing the charge described as a XXXX XXXX XXXX. I asked her why I hadn't seen it until it was late, she advised she did not know. She provided the number for the XXXX XXXX XXXX XXXX office, and when I called they advised I had a case to have this amount adjusted. They sent notice to the office and advised me to call back in a week. The office never responded to XXXX XXXX. Over the next couple months, I continued to check back with XXXX XXXX only to be told they had never received a response. This has started to impact my credit score, and the office continues to not respond. I attempted to call the office to speak to the office manager again, but am now unable to get through the phones to speak to her.
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Sent {$4000.00} through moneygram - when my husband tried to pick it up they would not give it to him because I left off middle name. - form clearly said " optional '' and the suffix - there was no place that asked for suffix.

They told me i had to cancel and resend. ( when I called today they said they can add middle name after the fact however last night I was told that wasn't possible ) They wont refund the fee. Then I sent again this morning. This time they wouldn't let him pick up money because they said it was missing information even though i got text and email that it was ready for pick up. And when I log in it still says that. So {$8000.00} out of my account plus fees and they said it would take up to 10 days to return money - sans fees. For a service I did NOT get. Have spent 3 hours on the phone over two days in hold XXXX and transfers to different people.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2021-10-24
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: LEXISNEXIS (MA)

On XXXX I was notified by XXXX XXXX XXXX that my quote was {$400.00} higher as a result of reporting from LexisNexis. I contacted LexisNexis through their online portal on XX/XX/2021 to request a copy of my report. Their response indicated that they had no report under my name and that if I felt that that information was incorrect, I should provide proof of my reason. I forward the email from XXXX to LexisNexis on XX/XX/2021 to the address they provided in XXXX, XXXX By XX/XX/2021 I had not received a response and wrote to them once again. As of today, XX/XX/2021, I still have not received any response. After three inquiries dating back to XXXX, I feel they have chosen not to respond. I would appreciate any help you can provide as this matter clearly is affecting my credit. The LexisNexis Dispute Case # is XXXX. Thank you in advance for any help you may be able to provide. 
Sincerely XXXX XXXX
Consumer complaint received 2021-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (KS)

On XX/XX/XXXX I filed a Chapter XXXX bankruptcy. I successfully completed the Bankruptcy obtaining a discharge on XX/XX/XXXX and the Bankruptcy was closed on XX/XX/XXXX. The final payment was made by the Bankruptcy Trustee in XX/XX/XXXX and was for XX/XX/XXXX. However, the Trustee did not file the Notice of Final Cure Until XXXX XXXX. 
Before the Final payment was made in XXXX, I contacted my Attorney, XXXX XXXX with XXXX XXXX, and asked when I would have to begin making payments. I did this because the mortgage statement that I received stated that my payment would be due XX/XX/XXXX. He contacted the trustee and was told that the payment would be due in XXXX as well. The Dated on the statement caused a lot of confusion. 
In XX/XX/XXXX I contacted BSI and attempted to make a of {$660.00}. I was told that I as already behind on my payments. I tried to explain the situation which was of no help at all. I, Also asked why I or my attorney was not contacted about the payment being due. Not receiving a adequate response, the call was terminated. I immediately call XXXX XXXX and informed him as to was had occurred. He told me to try again to make a payment and he would try and find out what was going on. over the next several weeks I tried to make payment multiple times and XXXX tried to Contact XXXX, both were unsuccessful. In XXXX, I even attempted to make a payment of {$1900.00} and that was rejected. 
On XX/XX/XXXX, I went to XXXX XXXX XXXX office and once again attempted yo make a Payment of {$1900.00} via a conference call. When the payment was rejected again, I asked why and was told that it was being rejected because it would not bring the Mortgage current. On XX/XX/XXXX XXXX XXXX sent a Letter to XXXX XXXX with XXXX XXXX XXXX explaining the situation and a resolution enclosed. 
The only option that they have offered is a Trial payment plan. See Attached. This does not guarantee a modification and it raises my interest rate. this plan included my Ex-fiance, who I separated from back in XXXX. I provided BSI with both the court papers and Quick Claim Deed to prove this. 
I was not contacted by BSI until after the bankruptcy was discharged. When I was contacted by their representative, XXXX XXXX, I tried to explain the situation and he refused to listen. he told me that they would foreclosing on the mortgage. After that phone call I called XXXX XXXX. After Several attempts he finally contacted BSI Attorney and managed to get the foreclosure stopped. We have made several attempts to taker care of this with no resolution. 
XXXX XXXX informed them that with the current pandemic, that there was the option of forbearance on my past due payments. Moving the payments to the end of the loan. this option was even rejected.
Consumer complaint received 2022-06-13
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. (FL)

I, XXXX XXXXky Consumer and natural person, am aware of all rights that I have and which are protected by the congress under the fair credit reporting act ( FCRA ). The list of Accounts Below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account Number- XXXX 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 report agency can not furnish A account without MY WRITTEN instructions
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rickart Collection Systems, Inc. (MD)

I paid my final bill with this utility company after the end of my lease. Months later I receive a bill in the amount of {$21.00}. Once I received the forwarded bill to my XXXX XXXX , I mailed it in and the check was returned " cashed '' by the same utility company ( XXXX ). I then received a letter from Rickart Collection Systems requesting payment. I have attached both the collection notice and the proof of the cashed check.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Credit Network Inc (CA)

I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company. 

Additionally, I have filed a complaint with your firm in this regard case number XXXX. According to you that have not responded to you either, however they have since sent me two more collection notices. 

Unknown Account Numbers XXXX AND XXXX