davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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. (NY)

Hello This complaint is against the credit reporting company Equifax. This is a complaint that Equifax lied and said they verified two accounts on my credit report using XXXX when they have not done so. That is a violation of my rights as a consumer. They have not notified XXXX or contacted them because 1. My XXXX XXXX account has a freeze on it and no one can access it and 2. I called XXXX and asked them did any company access any information from my account and they replied no one has contacted them about my account this year. 

Equifax have responded to my complaints through CFPB stating that it is verified on XX/XX/2019 but that is a lie because I called XXXX and the said no one has attempted to access my account to check anything. The time for lying is over and treating consumers this way is not acceptable. Please fix this or send to the agency that will. Thank you. 

Equifax sent a response today XXXX to CFPB saying that they will investigate company reporting info to them. This is another lie thats being told. They have not done the investigation three months ago when I first ask them to verify the two accounts and lied saying it is verified with no proof or documentation to validate it. And to top it off XXXX told me that no one has not contacted them to review my account this year so Equifax is a lie because they stated in the letter that they use XXXX to verify the two accounts. They are violating my consumers rights with this lie by not doing their job. 

PS. Sending Equifax this complaint will do no good because they will lie to you by saying it is verified. I want action and a resolution not more lies. CFPB needs to get involved with this not Equifax [ Previous complaint ... ... ..I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Equifax with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told Equifax that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

My husband, XXXX XXXX and I, XXXX XXXX had a mortgage loan with XXXX XXXX. The loan was sold or assumed by XXXX XXXX. We did not receive the new payment information in time for us to make the payment to the new lender. We missed it by one day and they reported it aas a 30 day late. We paid that loan of in XX/XX/2015. Freedom Mortgage is reporting that the loan is paid off but stating over the various credit bureaus that we are 30 days behind but showing it as 30 days for different months under my name XXXX XXXX & my husband 's name XXXX XXXX making it look like we have 4 30 day lates. The account with Freedom Mortgage is XXXX. This was a joint loan that was acquired by XXXX XXXX. The item from our report shows the variation between XXXX and XXXX XXXX. XXXX doesnt have loan XXXX reporting to them. XXXX  is stuck at a 30 day late with the balance showing. For XXXX XXXX, its updated to a balance not owing but your items shows paid where XXXX XXXX is stuck in the 30 day late position. Plus, with XXXX XXXX, the 30-day late history differs. XXXX XXXX, has the dates at XXXX & XX/XX/2015 late and XXXX XXXX at XXXX & XX/XX/2015. This makes us look like we were 4 times 30 days late which is not true. This has caused us to pay a higher interest on all of our purchases since XX/XX/2015 and now prohibiting us from purchasing a new home. Please help us fix this error. Thank you
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

We bought our current house in XX/XX/XXXX, XX/XX/XXXX NewRez bought our previous lender, NewPenn, and took on our mortgage loan. As of XX/XX/XXXX of this year NewRez increased our mortgage payment 25 % ( {$560.00} ) and they can not explain why. Our taxes did not increase and our insurance did not increase. They are claiming that they need a {$5400.00} starting balance in the escrow account and a required cushion of {$1600.00} in the escrow account and with those two amounts pushed the escrow account negative and are saying we have an escrow shortage now. They increased our escrow payment from {$800.00} to {$1300.00} a month. According RESPA they are not allowed to charge us any more than 1/12 of our annual escrow charges and can not keep a balance in the escrow account of more than 1/6 of the annual escrow charges. They are doing all of the above. Our property taxes and insurance premiums come to $ XXXX, divide that by 12 months and our escrow payment should be {$860.00}, and they increased our escrow payment to {$1300.00}. I don't even know where they got that number from. We have called them twice since we became aware of this increase and they can not explain any of the increases, all they say is they advice us to look at the escrow analysis, which is what we told them we were looking at when we were talking to them. They said there was not a supervisor who could explain the details of the loan to us. I was on hold for 15 minutes waiting for someone to get a supervisor and she came back and said no one was available but she talked to a " Lead '' and they said they can legally do what they are doing. I told her that according to RESPA they can not require me to deposit in excess of 1/12 of the total amount of estimated charges for escrow and she said that they can collect two months worth of mortgage. I have never had a mortgage lender increase my mortgage because they state they require a {$5400.00} starting balance and an additional {$1600.00} required cushion in the escrow account. They have increased our monthly mortgage payment from {$2200.00} to {$2700.00} and can not explain any of it to us. Nothing has increased in taxes or insurance.
Consumer complaint received 2019-07-19
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: U.S. BANCORP (FL)

Fidelity Rewards Visa failed to protect me against a predatory and unethical merchant charging me for services not rendered, improper billing, damage to my property, and misrepresentation. Fidelity Rewards Visa is the branded credit card of Fidelity Investments and is operated by Elan Financial Services. Detailed complaints were sent certified mail to the credit card company on XX/XX/2019 and XX/XX/2019. The complaint was handled by a staff member who was not qualified to handle the complaint, never returned my phone calls, and accepted the merchants position despite thorough documentation supporting my dispute. The letters sent to me by Fidelity Rewards Visa failed to describe the resolution or the facts supporting the resolution. The result was a loss to me of {$1400.00} to a merchant who continues to prey on the public and stands to lose their license to operate as a result of their unethical behavior. Despite numerous phone calls to the credit card company to escalate the dispute to a supervisor, the supervisor has never made a serious attempt to contact me. Representatives of the credit card company make cursory calls but never leave a message so that they can document their internal files that an attempt was made to contact me. The failure of Fidelity Rewards Visa to protect its consumers is systemic and needs to be investigated.
Consumer complaint received 2019-07-19
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: Paypal Holdings, Inc (CA)

A property management company where I currently reside decided to offer me a lease renewal after my initial lease was up. 

Prior to signing the renewal I asked to speak with management as Im currently missing {$11000.00} identifiable directly to the property management company ( XXXX XXXX XXXX XXXX and where funds were deducted out of my company account held with ( PayPal ). 

PayPal statements show the funds have been processed and as I present this information to XXXX  XXXX XXXX they state the documents are not actual bank statements even though they are my companys merchant account statements. 

After mentioning the matter to XXXX  XXXX XXXX they are now not allowing me to renew my lease even though I would like to pay funds and sign as originally offered. 

PayPal statements show funds paid to XXXX XXXX XXXX as processed multiple times where XXXX  XXXX XXXX says they havent received any additional payments even though knowing about this situation since XX/XX/2018. 

I had management call me threatening to take me to court and that my credit would be ruined if I didnt comply along with the threats of suing me for slander after bringing up this complaint prior to signing my renewal. 

I need help resolving this matter with PayPal as my company is missing approx XXXX and PayPal has not been helpful in resolving the matter after months of recorded conversations.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking XXXXXXXX XXXX to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my XXXX and Transunion.
Consumer complaint received 2019-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been trying to dispute a charge on my credit report and it seems as if Bank of America dont want to help me. I was suppose to go on a cruise with my mom and we were not able to go because she got a new job. So I was not able to go on the cruise, I previously dispute the charge with the cruise line and they didnt want to help either. I also would like to negotiate my credit card debt with them and they are discriminating against me because I closed my credit cards with them. I closed the card because they never try to help me with anything I ask for. They keep telling me no they are not going to help me.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NC)

Recently, a collection agency named Sunrise Credit reported an unpaid bill of some kind on my credit report for {$2500.00}. I have no idea what this is. Prior to this collection account appearing on my credit report, I received no notice of this bill from Sunrise Credit. To my understand, a collection agency is supposed to notify you of a debt and give you 30 days to respond to it ; before they report it on your credit report. I discovered that after reading the Fair Debt Collection Practices Act. But it appears that this collection agency might have skipped a step here.
Consumer complaint received 2019-07-19
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: Navient Solutions, LLC. (TX)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX  several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This hard inquiries are not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Harley Davidson Financial Services Inc (FL)

XXXX XXXX XXXX Harley Davidson in XXXX XXXX Florida fraudulently esigned my name on my brother 's motorcycle loan as a co applicant. I did not authorize my signature on ANY loan, in fact, I wasn't even in Florida at the time when this motorcycle was purchased. It is my twin brothers motorcycle. He needed a co signer,  and although his salesman did call me in Nevada to ask if I would co sign, I told that salesman, and I quote " no absolutely not, for one my wife would not allow it, and second his bill collectors in the past were always calling me looking for him for his unpaid loans, and the insufficient checks he gave them ''. I knew his credit history therefore wasn't going to take that risk of destroying my great credit. However, the salesman apparently esigned my name to the loan anyway, and then proceeded to tell my twin brother I agreed to co sign, and that is absolutely a lie. I tried to dispute it with the credit bureaus but they all have refused to remove it from my credit history. This is a blatant XXXX  attempt to sell a motorcycle at any cost. For one I know the law states an individual has to be actually present to esign a document for a loan. Considering I was 2500 miles away in a different city at the time, that would be impossible to do. I didn't even move back to Florida until XX/XX/2019.
Consumer complaint received 2019-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was charged exactly {$21.00} from TransUnion WITHOUT my knowledge or consent which should be considered fraud. I have a screen shot of that translation made yesterday. Please help me resolve this and get my refund. I never agreed to pay ANYTHING and what they are doing is not right!!!
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (DC)

In XX/XX/2005, I purchased my home through XXXX XXXX XXXX  at the age of XXXX. I received a good faith estimate from one of their reps, XXXX XXXX stating that my mortgage would be {$1200.00} with a fixed interest rate. When I went to closing, the mortgage was triple that amount with a very high interest rate and a 2nd mortgage company was listed throughout the paper work with an even higher interest rate. Initially, I denied the purchase because of the false information I had received. After 3 of the members at the table, along with my realestate agent, informed me that I could always refinance, I decided to proceed. It's been 14 years since I purchsed. My mortgage turned out to be an ARM and I've been denied the opportunity to refinance numerous times. The mortgage has been transfered numerous times and XXXX XXXX is now CLOSED. I've contacted Mr. Cooper for a reinstatement balance including lawyer fees, NO CALL BACK. I requested refinance options, NOTHING. I left 2 messages within the past 3 days, NO CALL BACK ... Please help me!
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northern Trust Company, The (CA)

I had a trust account with northern trust company. XXXX Florida branch. My mom had her estate administrated by them and her will and trust became irrevocable when she died XX/XX/XXXX. Article Third of mom 's amended will which she amended XX/XX/XXXX, states the sole mention of the condo, in the will and trust.it says if my brother wanted the condo, he could have it and the value of the condo shall be deducted from his share of the estate. The plan of distribution of the amended irrevocable trust is 5050.the condo value was XXXX he took the condo in XXXX, sold it spent the sales proceeds. They never took the deduction for my equal share. Instead, in XXXX, they said his account was over funded by XXXX, so they deducted that from his account transferred it to mine. They called this half the value of the condo. They also called it the whole value of the condo.fact is, as the account statement showing the transfer says, the overfund was from a distribution in XX/XX/XXXX, made in error to his trust from our mom 's trust estate. In other words, nothing whatsoever to do with the condo. They also created a fraudulent accounting in which they falsely show the condo value as if added twice to the portfolio funding for both trusts
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion To whom it may concern : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$950.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Thank You
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF OMAHA (NE)

so I was trying to make a purchase with my debit card online and it was declined, I am aware that it would have been an overage but that is what my over draft protection is for I thought, I had to get a new account because my wallet got stolen and my acct and routing number was in there, and when I got this new acct my overdraft protection was apparently put the same as my old acct but with my old acct I could overdraft up to {$100.00} and it would still approve it without any problems.
Consumer complaint received 2019-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

I have found a report on my credit from a PCS Collections, I have never heard about this company and I have no knowledge of why they placed a collection on my credit. Frankly I don't know what this debt is for. I have pulled up reports on the XXXX and found that they appear to be a fraudulent company involved in debt scams and work through evasion and scare tactics. I am not afraid, but I do not know what to do. I want nothing to do with a dishonest scammer company. I have no knowledge or information of anything from them except for the reporting on my credit. The reporting itself is vague as it does not provide any detail for what it is for or from.