davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

On XX/XX/XXXX, I purchased my XXXX home with a loan from XXXX mortgage company. XXXX listed I was behind 1 month 's payment. I filed a dispute with the XXXX because I never missed a loan payment. I requested a payment history, but did not receive it. I also requested my late payment and fees be removed from my account. 

* On XX/XX/XXXX, XXXX sold my loan, before resolving the missing payment issue. The loan was sold to XXXX XXXX XXXX  XXXX. I requested a loan payment history in order to rectify the missing payment. XXXX XXXX accessed an additional month of no payment. ( XX/XX/XXXX ) I sent canceled check to have the additional month of non- payment removed. It was not. My loan was sold, again. 

XX/XX/XXXX, Rushmore Loan company acquired my loan. I immediately send copies of my disputed XX/XX/XXXX payment, proof of insurance and requested a loan payment history. In the beginning of XX/XX/XXXX, I received a foreclosure letter from Rushmore. I received notice of lender placed hazard insurance. ( I submitted proof of home insurance ) I also received a letter indicating my yearly adjustable mortgage would increase {$300.00} in 60 days. 
In the 16 years of owning this home, the yearly adjustable rate mortgage has adjusted once annually, XX/XX/XXXX. ( not 2x annually ) It appears Rushmore is not honoring the terms of my original mortgage contract.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> on my Chase checking joint account with my partner, there were two auto-pay withdrawals for my joint credit card on XXXX XXXX XXXX Not only should there have just been XXXX payment, but this also caused the ledger to be incorrect simply in terms of addition and as a result we are missing {$500.00} from our bank account. 

Here are the relevant line items on our checking account to demonstrate the issue : [ XX/XX/year>XXXX XXXX XXXX, Charge : - {$140.00}, Balance : {$5700.00} ], [ XX/XX/year> XXXX XXXX XXXX XXXX, Charge : - {$1100.00}, Balance : {$5800.00} ], [ XX/XX/year> Chase Credit Card Payment, Charge : - {$4.00}, Balance : {$7000.00} ], [ XX/XX/year> XXXX XXXX XXXX XXXX, Charge - {$1100.00}, Balance : {$5800.00} ], [ XX/XX/year> XXXX XXXX, Charge : - {$1.00}, Balance : {$7500.00} ] ( Note the order of these charges is reverse chronological when you read from the top ). 

If you look at the balances, you can see that they are incorrect. The math on even just one of the transactions is incorrect : {$7500.00} - {$1100.00} = XXXX but the balance goes down to {$5800.00} ( this is the first XX/XX/XXXX transaction ). Then the balance jumps up to {$7000.00} after a charge of - {$4.00} which doesn't make sense ( why would the balance go up with a deduction? ). Then the duplicate XXXX charge happens. Transactions afterwards are correct but the balance moving forward is incorrect. 

Because of that first incorrect transaction, I'm missing {$500.00} from my account and it still has not been resolved. 

I noticed this about a week after the transaction. I checked XXXX XXXX online and called them and confirmed my credit card was only paid once despite there being two charges. 

On XX/XX/year> I went to my local branch and spoke with a very helpful representative who was on the phone for approximately 2 hours trying to get this resolved for me with her back office. At the end of the two hours, she filed a form detailing the issue. Since then, she has been following up with the escalations department every week but there has been no progress made on their end to restore the {$500.00}. 

On XX/XX/XXXX, they reversed the payment to XXXX XXXX but since the balance after the first transaction wasn't calculated correctly to begin with, I'm still missing {$500.00} from my account. They effectively charged me {$1600.00} and then gave me back {$1100.00}. 

As mentioned, I have been in contact with the bank representative via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this resolved. She has been as helpful as she can but the back office is being incredibly unresponsive. 

I have attached the XXXX XXXX transactions, the Chase checking account transactions, and my email correspondence with the Chase representative.
Consumer complaint received 2022-04-12
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: AMERICAN EXPRESS COMPANY (OR)

Number 1 : I made a reservation with XXXX XXXX XXXX XXXX in XXXX NY Almost XXXX years ago. I had to cancel the reservations because of travel restrictions implemented by the XXXX of NY. I called the hotel directly and spoke to the owner and canceled my reservations over a week before the date. I was charged with a " no-show '' fee even though I spoke directly with the owner. I contacted American Express and disputed the charge. They said the charge was " valid ''. I never authorized XXXX XXXX XXXX XXXX to charge my card, but American Express charged my card anyway. I want the money that was stolen from me and allowed to be illegally charged by AMEX. 

Number 2 : I sent in a payment last month even though a payment was not due because I knew there was a charge coming up. I sent the payment on the XXXX of XXXX. AMEX held the payment until the XXXX of XXXX before they applied the credit to my account. They were allowed to charge me for interest because they decided not to apply my payment when it was sent.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (AL)

On XXXX XXXX, my check for {$3000.00} was returned to issuer ( my attorney ) because she accidentally wrote the check wrong but the funds have not been released to my attorneys account so that she can reissue the funds back to me. The money has already been debited from my account. Ive called chime numerous of times including today with my attorney and her bank, nobody from chime is able to tell me where the funds are. 

We are well over the time period of awaiting the returned check.
Consumer complaint received 2020-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. 

Citibank is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. 

I have the full amount in hand in my bank and I am moving out of my XXXX dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay Citi the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk to me.
Consumer complaint received 2017-08-28
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. (MI)

on my credit report it shows XXXX/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has been pulling my credit report, XXXX fraudulent pulls, the bank says it want remove them even though it has wrong info, TransUnion has refused to remove them after several disputes,
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MO)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

Equifax does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filed XX/XX/XXXX ( one for each mortgage company ). I received a response from EquifaxXX/XX/XXXX stating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to Equifax each month. 

I would like the history corrected for both mortgages.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

THIS LATE ON MY AMERICAN HONDA FINANCING ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT XXXX DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT XXXX, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU
Consumer complaint received 2021-05-17
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: Credit Plus Inc (GA)

The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : XXXX XXXX Credit Plus, XXXX XXXX XXXXXXXX, 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 2019-07-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

I'm not actually applying for a mortgage, but none of your options fit my complaint. 

I received a letter in the mail which is dressed up to look like an official notice of my home being foreclosed on if I don't call the number listed and arrange a loan with them. The letter reads : " Statement Date : XX/XX/2019 Subject : Property Tax Bill Changes Subject Property : ( my address is listed here ) ( my name is listed ) : Notice : XXXX This letter is to inform you that when you borrowed money for the Home Renovation Program you agreed to amortize the loan payment in your property taxes for up to 20 years. 
Failure to make these payments could result in mortgage delinquency or even forclosure. 
For a limited time, you are still able to pay off your home Renovation Loan obligation and receive a much lower payment which will drop your property taxes back to their normal amount. 
All parties must register before XX/XX/2019 to be considered for this financing option without restriction. Call today to find out how this might affect you. 
All applications submitted 30 days after the statement date of this letter will not be reviewed. Due to the severity of the issue we anticipate longer wait times. Please call customer support to receive a detailed explanation. 
Call ( XXXX ) XXXX Statement Id Number XXXX Monday to Friday XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX PST ******** *Please see Reverse Side for Disclosure information '' Note that I have never borrowed money for any home renovation program, but I can easily see how someone who may have done that would be duped into thinking this is a serious letter. I should also mention that the letter is of the format typically used for one 's tax documents ( including the outlined XXXX followed by all black XXXX ), and states " Warning : {$2000.00} fine, 5 years imprisonment, or both for any person interfering or obstructing with delivery of this letter U.S. Mail Sec. 1702 U.S. Code '' as well as " Information Regarding your Upcoming Property Tax Bill. '' On the back of the bottom half of the page I quoted in full above, there is very fine print which states, among other things, that the company perpetrating this scam is " American Financial Network, '' and that " The content in this advertisement is for informational purposes. ''
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

To Whom it May Concern : My name is XXXX XXXX, and Ive been a victim of Identity Theft. I reside in XXXX, IL, and have lived here for XXXX years. Im originally from XXXX California and have not left Illinois to live anywhere else in the last XXXX years. At the beginning of the year, I received a credit notification that there was a {$1000.00} collection for a utility company in Texas! I started frantically calling the credit bureaus, and filed a police report in XXXX ( I will send a copy with this letter ). It turns out there are numerous accounts this criminal opened for electricity in the following cities ( XXXX, TX, XXXX, TX & XXXX, TX ). I now need a report to ensure there are no other accounts opened in my name outside of Illinois or California. 

Account # XXXX : XXXX XXXX Services XXXX Owed {$990.00} for Utility Services at the address : XXXX XXXX XXXX # XXXX XXXX Texas using the name XXXX XXXX Opened on : XX/XX/12 Closed on XXXX with a balance of {$990.00} Account # XXXX : XXXX XXXX XXXX balance of {$130.00} for Utility services at the address : XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX I'm tired of fighting with companies all over Texas because criminals are opening up utility accounts and not paying by using my social security number which has ruined my financial wellbeing!
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I had a loan with Santander Consumer USA from XXXX XXXX, TX, and just before I was refinancing with XXXX XXXX, my wife sent an early payment to them. We got a refund from them, but not in amount that our CPA calculated. My account number is : ,my name. We sent them a letter with a report from our CPA. but they did not reply. 
My phone number is Thank you,
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (TX)

I have been contacting Equifax, XXXX, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but Equifax in particular are not cooperating and is insisting that they have not received any of my complaints or documentation.

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 XXXX XXXX XXXX  and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 The collection accounts that are not accurate are XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (PA)

In XXXX of XXXX  I paid off my balance with XXXX. I failed to realize that I didnt cancel a reoccurring charge and missed a payment date of XX/XX/2022. As a result XXXX decreased my credit limit by {$6000.00}. They stated the primary reason in doing so was because I missed a {$60.00} payment right after paying over $ XXXX the end of XXXX. This dramatic decrease is and will impact my credit score.
Consumer complaint received 2022-04-12
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. (CA)

Experian make it very difficult to work with XXXX mean cold hearted people with no sympathy on someone in regards to something on the credit such as an inquiry were not criminals here and not every inquiry is authorize by the person in my case I didnt authorize this inquiry and I submit a proof and an email that was sent to me by my leasing XXXX along with an attachment I dont understand why Experian wont work with me it doesnt make sense and they treat us like were bad people were human beings and it shouldnt be so difficult to be able to dispute something on a credit they make it so hard even though we have proof they still make it difficult and its not right at all I hope that you can resolve this matter and this inquiry can be removed off my credit thank you and I appreciate your time sorry for the inconvenience the account is rent grow that needs to be removed
Consumer complaint received 2022-04-12
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: CBC Companies, Inc. (MS)

On XX/XX/2022 I contacted Innovis to ask to have a freeze put on the consumer report that they have in their records. Upon the representative answering the phone she asked me for my information to verify my information so that she may put a freeze on my account. I gave her my name, social security information and date of birth. 

A few seconds later she called me a name that i am disputing that is on my credit file that doesn't belong to me. I kindly repeated my name for her to put me on hold. She then comes back and ask me to verify more information so that she will be able to put the freeze on and to send me the copy of my report that they are sending out with false information on. She starts to asking me to name the credit cards i have and when i tell her she ask me are you sure you never had any more ... .I said you ask me to tell you XXXX credit card that i have and i gave you that, now your asking me for another and i gave you that... 

Why would i tell you i have a credit card and i dont have whatever it is your looking at in your records. She put 's me on hold and finally after about XXXX minutes on hold another lady comes on the phone and does the exact same thing ... .but this time she starts asking me about a address that is not even mine but was my grandmothers address. I never lived there, nor have i ever received any mail or nothing there. 

This is causing severe harm to my life and reputation for this company to be giving out false information on me and refusing to stop this by not putting a freeze on whatever the lies their sending out and letting me see what it is they have in their file so that i can dispute it. However, i dont wan na dispute anything... 

I want my file deleted from their records. They have no right to be invading my privacy and sending false information to companies and verifying the information with information that they are requesting from me. How can you be giving out consumer information on the consumer demanding information from the consumer... but making judgement 's on the consumer 's life and financial well being by saying if he's a good person or a bad person. 

These people are still going to be sending out false information on me even after i have asked them to stop.
Consumer complaint received 2023-04-01
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.