davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

XX/XX/XXXX escrow analysis compared to XX/XX/XXXX escrow analysis is difference of {$200.00} in " projected '' taxes and insurance. Monthly payment based on XX/XX/XXXX escrow analysis {$790.00} - Monthly payment based on XX/XX/XXXX escrow analysis is now {$940.00}. 
I called Carrington XX/XX/XXXX regarding why my payment went up so much and they told me XXXX that my insurance double billed- once in XX/XX/XXXX and once in XX/XX/XXXX ( i called insurance and this is not correct ) XXXX then they told me that my payment was increased due to my escrow was in a negative balance My escrow balance was a larger negative amount in XX/XX/XXXX but my payment did not change at that time. 
I spoke with customer advocate on XX/XX/XXXX and was told it was because my escrow was negative and because they forecasted for another year they changed my escrow payment and added {$180.00} to my monthly to " cover '' this projection. Although my escrow balance was positive in XX/XX/XXXX and then only went negative after insurance/taxes were paid. I was meeting my minimum escrow balance requirement of {$520.00}. 
The advocate also told me that if I pay {$2200.00} now that will " fix '' my issue and my escrow will be correct. Then I can still pay $ 261 monthly and have my balance even out in XX/XX/XXXX Then they told me the reason my payment went up was because my insurance used to get paid annually in XXXX but for they past two years it was paid in XXXX. 
I continually asked the advocate why if XX/XX/XXXX by escrow balance was essentially exactly the same, and my payment was {$790.00} but in XX/XX/XXXX suddenly my payment was {$940.00} and he just said well I know I won't convince you that we are right but you just have to pay what we said. Our math is always correct. 
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Consumer complaint received 2019-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

I have requested that a new escrow analysis to be completed due to the fact that my real estate taxes ahave been reduced, due to a homestead exemption credit. I faxed over a copy of my new tax bill on XX/XX/2019, and Pacific Union paid my new lower tax bill amount of {$2200.00} dollars per half on XX/XX/2019. Previously my taxes were {$2700.00} per half and I have received over {$1000.00} tax credit per year. My recent tax bill reflects both the new half year amount of {$2200.00} and {$4400.00} per year. However Pacific Union refuses to lower my mortgage payments to reflect the new tax amount, and they are also charging me a shortage of {$170.00} per month, however my escrow account is not short and has a surplus currently in the account. I have called several times and faxed in documentation to prove the new amounts. However Pacific Union still refuses to lower the mortgage payments.
Consumer complaint received 2023-02-01
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. (AL)

XXXX XXXX XXXXXX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXX/XX/XXXX {$72.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX {$520.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have been actively disputing an account with XXXX XXXX XXXX XXXX  for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, Equifax and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and Equifax are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, Equifax, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXXXXXX XXXX  XXXX, yet XXXX is reporting. Please remove from my credit file.
Consumer complaint received 2022-03-03
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: JPMORGAN CHASE & CO. (MA)

Unauthorized fraud charge on my credit card in the amount of {$3000.00} by XXXX XXXX XXXX FL. I have no information on this merchant and have received no goods or services. Chase has been notified but refuses to investigate and/or correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply in this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX Received multiple letters for pre-approval from Capital One Quicksilver   Offered Balance Transfer options. I have multiple offers from multiple companies, but I selected this one and now I regret it. Here is why. 

Upon applying and being accepted within seconds, the balance transfer option was not available. 

I had to call customer service and they said it could take 10 days or longer. Nobody knows for sure, just estimates and guesses. Nobody knows why every other company offers it instantaneously capital one decided to delay it for weeks or months for all we know. None of this was included in the advertising as I would have never applied to their card over someone else 's card. 

This is " not '' to be confused with the line in the advertisement saying it will take 10 days to pay the creditor for a balance transfer. They are now saying I can't even apply for a balance transfer for at least 10 days, if not longer. Therefore, the payment will still take an additional 10 days AFTER that. This could be months in total. 

After explaining to XXXX, top level support specialist, that I feel conned and cornered into getting this card which I can't use ... .all she said was, " sorry. '' She outright refused to give me to her superiors while also claiming she has no authority to help me and has no answers for me. All she could do is say, " sorry '' and refuse to answer every question or every request to escalate this above her. 

Big business is untouchable apparently as she was not concerned in the least bit. 

I was conned into getting the capital one quicksilver card and now I'm cornered into keeping it out of fear my personal credit will be harmed. When I asked if my credit would be impacted if I canceled the card immediately, they said they have no idea. 

You advertise with misleading offers and then you corner us into keeping the card. 

So once again, they have conned me into getting their card and then making it exceptionally hard to cancel because they won't let me know how it will impact my credit. 

This is completely false/misleading advertising to do such a thing with someone's credit on the line.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (GA)

On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of XXXX XXXX XXXX. They stated that I needed to make a payment on the debt. the debt was over {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with XXXX XXXX XXXXXXXX. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.
Consumer complaint received 2022-03-08
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card. 
So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did. 

let me let you know CFO : i underwrite loans and let me let you know. 

i have over 100k in credit card that have with 10+ trade lines. 
i have 2 homes paid well $ XXXX in 16 yrs. 
i have credit since XX/XX/XXXX never late ; 24+ yrs. 
i have over 35+ trade-lines with comp credit and way more. 
my annual base is $ XXXX plus $ XXXX annually commission. 
my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know. 
key factors : length of time of XXXX : since XX/XX/XXXX. 
since open new acct : too short : why does that matter? 
low balance : no cc has a balance all {$0.00} paid off. 
too many accts with balance show me. please.
Consumer complaint received 2018-09-12
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: TD BANK US HOLDING COMPANY (AL)

This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.
Consumer complaint received 2023-03-16
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type XXXX XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} 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 2022-07-08
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. (TN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-08
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: ENCORE CAPITAL GROUP INC. (CA)

my XXXX girlfriend and XXXX of her friends uesd my name i was in jail when they uesd my name i did a F.T.C fraud report and you can check the jail system and the video camera at the car dealer and she got credit cards and a account with XXXXXXXX XXXX i call the cops and the F T C please remove these accounts itss been over 90 days and its holding my life up from getting back on the right track im trying to open up a sober living and this info is stoping me i want to file a law suit
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc. (WA)

On XX/XX/XXXX I received a notice from Valley Empire Collections. They claim an original amount due of {$630.00}, {$640.00} in interest charges, and a total amount due of {$1200.00}. They offered to reduce the debt by 30 %, if I paid in full by XX/XX/XXXX. The case number listed, XXXX, was filed in XXXX XXXX XXXX in XX/XX/XXXX. 

I did not receive any notice that I could dispute the debt. Nor was I served notice of the case being heard in XXXX. I do not believe I owe this debt, and I believe it is illegal for Valley Empire Collection to attempt to collect said debt ( of which I have no knowledge of ) after 9.25 years.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

This complaint details American Express Membership Rewards freezing my account after attempting to transfer points to XXXX 's XXXX XXXX in accordance with Terms & Conditions of the program, and Membership Rewards accusing me without any evidence of selling points. 

On XX/XX/XXXX, I linked my XXXX XXXX account to my Membership Rewards account. Immediately thereafter, I attempted to transfer XXXX points to XXXX online. After initiating the transfer, the Membership Rewards website gave me an error message stating that they couldn't complete the transfer because " of an attempt to sell '' Membership Rewards points ( error message attached ). I called Membership Rewards and the agent replicated the error message, told me that my account was frozen and that there was nothing that could be done until the account was reviewed. As of the current time and date ( XX/XX/XXXX ) my account is still frozen. However, I need to transfer the points expeditiously to complete an award booking. 

The accusation that I am selling Membership Rewards points is preposterous. I have been an American Express/Membership Rewards member since XX/XX/XXXX and have always complied with Program Terms and Conditions, and done absolutely nothing to even remotely suggest I am selling points. In particular with regard to this transaction, there is nothing that I could do differently to suggest I am simply attempting to use the program per its Terms and Conditions to make a personal award flight booking ( linking account and transferring miles earned over the last two years ).
Consumer complaint received 2024-02-07
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (VA)

I owe synchrony bank money from past credit cards and they are attempting to collect a debt by repeated phone calls daily and refuse to give me correct information about my debt and constantly ask me for information regarding my son, phone number etc ... and they are spoofing calls by repeated number changes to attempt to reach me after I've continually and repeatedly have blocked them. Wrote them letters, emails etc ... to cease and disiss. It's constant and daily.
Consumer complaint received 2018-09-12
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: Experian Information Solutions Inc. (TX)

WHATS NEW ... .I just talked to XXXX XXXX about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my Experian Credit Report. I talked to XXXX they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how XXXX XXXX   ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots
Consumer complaint received 2018-09-12
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: Experian Information Solutions Inc. (IL)

I submitted a written request for XXXX, XXXX and Experian credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.