davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

From XXXX through XXXX I had a VA loan serviced by Wells Fargo. During the 4 years, Wells escrowed my property tax and hazard insurance payments. In those 4 years, my property tax bill went up 18 % and my hazard insurance went up 20 %.

My Wells escrow went up 81 %! There are 4 reasons this happened : 1- Wells escrowed the hazard insurance even though a H O A master policy made that unnecessary.

2- They paid the hazard insurance 12 months in advance, going into the next year, rather on a monthly schedule, then claimed I was up to 11 months short in my account. 
3- They paid my property taxes a month early before the XXXX and XXXX due dates, then claiming I was a month short in my escrow account each time. 
4- Wells offered to increase my monthly escrow by 1/12th of the shortage to catch up. 
They started this in XXXX, but then reassessed the escrow account in XXXX of the next year, adding another shortage to my balance. In one year the shortage went from {$170.00} to {$970.00}. 
I'm on Social Security and a VA XXXX wage. I have the paperwork. My question is, can they do this legally? It would eventually overtake my ability to pay the loan. 
Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I would like to know why do I have to pay back interest on my student loan. I have a forebears until my case end my be up to 2 years, because my school misled me and closed down. i have a case with the federal borrower defense. It's been 8 months. I don't know why i have to pay navient interest on my loan for something that not my fought.
Consumer complaint received 2022-04-14
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. (MD)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ), XXXX ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date OpenedXXXX XXXX High Credit : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  Account # 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 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

In XXXX my mortgage with PHH Mortgage was in default. I was unemployed at that time. 
In the same year I received financial help and assistance from Florida Hardest Hit Fund. 
The PHH Mortgage on service for XXXX XXXX accepted close to {$40.00} in payments and promes to reinstate the mortgage. In XXXX XXXX I start full time work and gain the ability to pay my mortgage. This is the time that all problems started. The PHH accelerated the mortgage and never reinstated the payments. I retained attorney to represent me in court but the PHH mortgage is playing words game sense that time. 
PHH Mortgage office was already provided with all of the information previously requested and all the information needed to settle this matter. It was supposed to be processed as a reinstatement pursuant to the FHA paperwork. 
Is the bank refusing to settle by reinstating the loan as they promised when they accepted the Hardest Hit Fund money? 
I need a straight response to this question, whether the counterclaim must be forwarded to the CFPB and the Florida Attorney General, and whether we need to set the matter for hearing on our counterclaims.
Consumer complaint received 2022-02-23
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. (MD)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-08-30
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. (CA)

On or around XX/XX/2017, I submitted documents to Experian and XXXX  showing that I demanded debt validation from XXXX XXXX XXXX XXXX. Experian and XXXX concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed for bankruptcy in 2016. The lawyers office notified all my creditors and the bank. My bank at the time was Bank of America. The bank allowed XXXX to retrieve the funds from my account during the bankruptcy and left my account in a negative state. The lawyer 's office faxed the bank over documents to show that nothing is to be paid until we go to bankruptcy court. The bank still allowed the transaction to go through and now I 'm left with a balance of over {$900.00} and a mark on my credit report.
Consumer complaint received 2022-02-23
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: Resurgent Capital Services L.P. (NY)

Accounts 

Creditor name: XXXX XXXX XXXX  Amount: $29,518
Date Opened: SEP 11, 2016

Creditor name: XXXX XXXX XXXX
Amount: $5,583
Date Opened: SEP 21, 2020

Creditor name: LVNV FUNDING LLC
Amount: $323
Date Opened: AUG 20, 2019
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX, XXXX Account 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 2018-07-13
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: Bread Financial Holdings, Inc. (AL)

XXXX XXXX / XXXX XXXX Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (AZ)

On my experience on XX/XX/22 was the worst experience I had when I went to this Dealership. I went in looking to purchase a vehicle I can use to get to and from work as a household necessity. I worked with a sales rep by the name of XXXX  at XXXX car sales in XXXX, AZ. I gave the company my SSN and they ran my credit and I was told to purchase a vehicle Santander is requiring I need to put down {$3000.00}. The company denied me a car loan unless I put money down. 15 USC 1662, Prohibits Downpayments on a car loan. Santander should already know this as the sales rep told me they are under truth in lending regulation Z, The transaction is a credit transaction and not cash so my finance charge should have covered my vehicle purchase under 15 usc 1605, finance charge sum of all charges. Santander USA was in violation of the Equal credit opportunity Act for denying me credit on a auto loan and requiring a down payment
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 my written instruction.
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

My Equifax report shows many collection that does n't belong to me. Are result of identity theft. None of those collection accounts are linked to my Social Security number. Some of them are using my name as a stolen identity.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I think Chase Bank 's behavior is discriminatory and even unreasonable. I have repeatedly told them that someone stole my Chase account and tried to deposit my Chase check into my XXXX  XXXX XXXX. After the incident, I contacted XXXX  XXXX XXXX and Chase in time to inform them that the bank account had been stolen. Chase Bank also restored my account access rights in time, but after the most recent call with Chase, their staff closed my card without my authorization and said they would replace it for me. After I refused, their staff reopened it again, but just one day later I received an email telling me that my account was closed and permanently. I have been a Chase Bank customer for more than three years and have never had such a situation. I am really frustrated. I tried to communicate many times but in the end there was no positive response, and I was not even given any opportunity to prove myself. 

I just asked for fair and equitable treatment, but Chase Bank 's way of hurting customers really makes people feel serious discriminatory service. I will have to complain to more institutions and departments and report Chase Bank 's mistakes and discriminatory services in the entire incident. I will also entrust my lawyer to formally file a lawsuit against Chase Bank.
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 my written instruction.
Consumer complaint received 2022-02-23
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: Resurgent Capital Services L.P. (AE)

I have the same complain with XXXX XXXX Bank XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to LVNV Funding LLC who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything transunion told me to mail. STILL THERE. I would like all 8 removed immediately
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XXXX to the XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2022-02-23
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. (NC)

Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Experian : 1. XXXX XXXX XXXX - XXXX ; 2. XXXX XXXX XXXX - XXXX ; 3. XXXX XXXX XXXX - XXXX ; 4. XXXX XXXX - XXXX ; XXXX XXXX  - XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report.

DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to deposit money on ATM at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I use the first in on the left. That ATM was malfunctioning and I couldnt even deposit the money. However I have a receipt. I have called the Bank of America multiple time and they told me that they going to closed my account without any assistance and reason why? Assuming the situation.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Genesis is attempting to collect a FALSE claim. The collections person outright said " I know you can afford to pay ''. This is extortion. 
XXXX XXXX, an apartment building is attempting to extort me to pay a completely bogus amount. They hired Genesis to collect. The collections person outright said " I know you can afford to pay ''. 
The building had an onsite management office and everything was handled through them.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.