davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (FL)

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. 

XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC. (LA)

I monitor my credit report constantly. On XX/XX/2018 I sent a letter of validation to the company called CBS Collections in XXXX, LA asking for proof that I have a debt with the company. They send a piece of paper with my name typed and a dollar amount stating I owed money. I submitted a complaint XX/XX/2018 about this company on Consumer Financial Protection Bureau and receive invalid response stating there is no company with the name. There is no occupational license for operation for this company in the state of Louisiana. I have no acknowledgment of this account and ask for removal from XXXX and XXXX credit bureaus.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I received an email from Chase stating that a payment was scheduled from an account, but I don't have any accounts with Chase. I've called Chase several times to determine if someone has opened an account with them using my identity. Chase refuses to help investigate this possible fraud. Thank you.
Consumer complaint received 2023-08-12
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: Mercedes Benz Financial Services (PA)

In accordance with the fair credit reporting act this creditor ( Mercedes benz financial ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sa-Vit Enterprises, Inc. (FL)

1. Savit Collection Agency ( 2 ) amounts reported {$300.00} & {$200.00} 2. XXXX XXXX XXXX reported {$170.00} 3. XXXX XXXX Solutions reported {$55.00} I have previously disputed to all ( 3 ) credit bureaus of the above stated amounts that is wrongfully reported on my credit report. All of the accounts are related to medical services related to tests, etc.. I did not approve of these services that was given to such agencies that was outside of my medical insurance company 's network. These types of unresolved issues with the doctors office should not be a part of my credit file.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Here are the fraudulent items : 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 2023-04-06
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. (IN)

I spoke with and applied for a forbearance with XXXX XXXX  on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana HAF and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana HAF.
Consumer complaint received 2023-06-12
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. (NY)

I told Experian, XXXX and XXXX to investigate this account XXXX  XXXX XXXX Date opened XX/XX/2013 however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate. 

also they are not in compliance with metro 2 credit reporting.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
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. (SC)

These accounts are reported inaccurate information on my credit that's not allowed by law everything has to be 100 % accurate 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 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

The mortgage is in my deceased Mothers trust ; XXXX XXXX Trust. I am one of 4 executors of the trust and have been living on the premises and making payments on the property since purchase. 

Out loan was sold by XXXX XXXX XXXX  to RUSHMORE LOAN MANAGEMENT SERVICES for a profit last summer ( XXXX ) and since then I have been : 1. Falsely accused of missing one whole month payment 2. Falsely charged interest and Fees 3. Subject to late Fees 4. Advised I may be subject to Foreclosure 5. Subject to increased unnecessary Stress due to not being able to contact the Mortgage Company to resolve the nightmare of their  mistake. 

I continued to make my monthly payments to XXXX XXXX XXXX until I received a new loan payment statement from RUSHMORE LOAN MANAGEMENT SERVICES and then started and continue to make my payments to RUSHMORE LOAN MANAGEMENT SERVICES Since I had not missed any payments In XX/XX/XXXX I noticed that a payment was missing on my RUSHMORE LOAN MANAGEMENT SERVICES statement. 
Since I had not missed any payments I assumed that RUSHMORE LOAN MANAGEMENT and/or XXXX  XXXX XXXX had an error in sending over my payments. 
As the XXXX statement from RUSHMORE LOAN MANAGEMENT SERVICES showed the same error that I was missing a payment. I called XXXX XXXX XXXX  and was told they had closed their mortgage dept. in XX/XX/XXXX. I dtried to find out who to contact and was sent in circles until I gave up. 

This whole scenario is very stressful for me. I am a XXXX XXXX XXXX woman with health issues .which have been amplified due to their predatory actions and now worry about being foreclosed upon. 

When I reached out to RUSHMORE LOAN MANAGEMENT SERVICES i never got to someone who could help They want me to prove that they are wrong. 
I would like a forensic accountant to go through the paperwork and find the banks error. have gone through all of my statements and found every payment made. 

RUSHMORE LOAN MANAGEMENT SERVICES has increased my payments a few times this past year whether or not interest rates have gone up or down. while they only increased once a year while with XXXX  XXXX XXXX. 

I am not the only victim in this process of selling my Mortgage from XXXX company to another for profit. I am sure there are millions of other home owners who have been victimized by XXXX XXXX XXXX or RUSHMORE LOAN MANAGEMENT SERVICES when selling their mortgages to another company for a profit. I would love to hear how they feel. 

To me it feels like another shakedown happening like the shakedown in XXXX and XXXX. 

I need the help of the CFPB to help me resolve this issue and find the missing payment, reverse the FALSE, MIS-LEADING and PREDICTORY FEES I am being charge. 

In conclusion, I am asking for a complete forensic accounting to reverse the false interest and fees I have being charged and a call from whoever is responsible for this mess as I have proof of all payments.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (IL)

Key Bank in XXXX Florida has let XXXX XXXX XXXX XXXX XXXX XXXX and a couple other companies still over {$620.00} worth of personal funds that were mine they were unauthorized debit transactions and key Bank took two years to return only {$350.00} of the {$620.00} and it's playing a game to get my own money back if you total amount of {$360.00} they are putting blame on each other 's departments for example the supervisor in the dispute department even stated yes sir you are still owed {$360.00} however the car department is responsible for issuing or returning any credits or refunds back to that account I called the card department and they stated it with the dispute department. I have called the XXXX XXXX XXXX with no response it's been over 2 years and I have been patient enough to get my money that was stolen from me back fraudulently so what I'm going to do now is issue a request from you guys to please help me out in return I'll put a ratings to the Federalist reserve and state how great you guys are at helping people out because you've helped my friend before get his bank account fixed. Please my card number is XXXX exp XXXX my name is XXXX XXXX XXXX I really appreciate you guys thank you and have a nice day.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On XXXX XXXX, my family member was in need of a vehicle, and I was asked to cosign. Although I was dealing with a XXXX XXXXy on-the-job injury, of which was told to the sales people and others prior to any transactions. I also informed them of the pain medicine that caused me to tire and become incoherent, also my medical condition were very visible, but they continued to be very persistent. The loan finance company of the vehicle is Credit Acceptance Corporation. In or about XX/XX/XXXX the vehicle was in a total loss accident. I filed a claim and later was told that my then insurance company paid off a large percentage of the vehicle, and left a balance, of which I requested payment information, but did not receive any written documentations. Since the vehicle loss, on many occasions I've unsuccessfully requested information of payment and balances Also, during the beginning of the vehicle loss, it was listed as a natural disaster loss and account closed. Throughout time Credit Acceptance has changed this notation on my Credit Reports and reopened the loan also adding more fees to the account.The loan agreement was not completely explained to me, I later learnt the information. The vehicle was a XXXX XXXX XXXX, amount {$15000.00} @ 60 months @ {$450.00} monthly. XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

On XXXX XXXX, XXXX my property sustained significant fire damage. 

Later that year, XXXX XXXX issued an insurance check for more than the amount that was due on the mortgage. The check was issued w/ my name & co-signer PennyMac ( the mortgage servicing provider ). I mailed the check to PennyMac and as soon as they deposited it, my life became a living XXXX. 

They refused to release the funds to allow me to fix up the property & then they " neglected '' to apply the funds to my mortgage & then they " accidently '' attempted to foreclose on the property & then they again " neglected '' to fix the foreclosure-problem ( both their home-office and their lawyers XXXX. 

We ended up in Court. 

They offered a " settlement '' that was far below my actual financial loss and also included a " Confidentiality Agreement. '' The case ended up being " discontinued '' in court as of XX/XX/XXXX. 

As of XX/XX/XXXX, I've held title to the property. 

Please see within the court documents where I was informed by a PennyMac representative that it wasn't PennyMac 's " policy '' to apply insurance proceeds to the balance of what was due, unless the mortgagor paid the difference. 

# 1 ) They refused to provide the " difference. " ... and if they had it would have been minimal. I ended up receiving an escrow check in XXXX XXXX from them. 

# 2 ) This " policy '' is in direct contradiction to the NYS FHA contract that I had ( see attached ).
Consumer complaint received 2020-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

1. I took out a loan with NetCredit. LACK OF TRANSPARENCY REGARDING PAYMENT ALLOCATIONS 2. Along with the loan, came an amortization schedule outlining how payments would be applied -- how much to interest and how much to principle -- for each payment, over the life of the loan. 3. I've made at least one early partial payments and one full payment ahead of the original amortization schedule. 4. I made several late payments behind the original amortization schedule. 5. On XXXX XXXX, 2020, I made a payment and was distressed to see that it did not seem to bring down the principle balance on the account. I was given a total balance that was higher than the principle balance, but when I log in to my account it only gives the principle balance. 6. I called Net Credit on XX/XX/2020, and I requested to find out how much of each of the five payments I had made so far on the account had been applied to principle and interest. The representative said she could not provide me with that information, but that she would send me a new amortization schedule by email. 7. The new amortization schedule did not arrive by email. 8. Today, I  called to follow up regarding the missing amortization schedule. I spoke with XXXX and asked for a supervisor. XXXX transferred me to XXXX. 9. XXXX   emailed me with the payment application information for the first five payments, which I received. 10. I asked to make a debit card payment and XXXX  transferred me back to XXXX, 11. On today, I made yet another payment with XXXX, which was all completely applied to interest, with no transparency about where my money was going. The allocation of the payment was this time revealed to me upon request. 12. Upon learning that there had been no principle reduction yet again, I asked XXXX for a supervisor. 13. I was disconnected. 14. XXXX called me back and transferred me to XXXX, a manager. 15. I began telling XXXX what was going on, then I was placed on hold with no warning. I disconnected the line, and XXXX has not called back.
Consumer complaint received 2018-06-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (PA)

In XX/XX/XXXX, I paid my mortgage as usual ( automatic payments ) Towards the end of the month in XX/XX/XXXX, I got the the money credited back to bank account. When I finally got in touch with someone ( after numerous attempts of being left on hold for 40 minutes+ ) they  explained my taxes hanged therefore my payments increased slightly. Because of the increase, my payment wasnt considered a full payment so it was returned. I asked about being informed of this and was told I should be getting the notice any day. Why wasnt told about this prior to the payment due date?!?! Needless to say I sent a double payment to cover XX/XX/XXXX and the XX/XX/XXXX payment which was refunded, enough to cover the increase. I have paid every month since! I continuously get calls and letters and that I am in default of my mortgage! I called 4 times! First, they apologized and explained that since it was a double payment they applied the additional money to my principal rather then applied it as my regular payment. I continuously call and Im told they fixed it and reapplied my payment appropriately and the calls and letters are an error and to ignore them. However, they are saying my loan is in default and have reported consistently to my credit that I am not paying! When I called and explained this they told to write a letter to the credit bureau!!! But yet I got another letter today saying Im in default and get calls from them 5 times a day asking to call them for a collections matter!