davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

The mortgage company that purchased my loan from the bank from whom I originally obtained the loan has notified me that they are raising my payment by {$220.00} per month. They have stated that this is because either my taxes or insurance have increased. My insurance has gone up by {$4.00} total for the year. I have forwarded my tax bill for {$990.00} to them and repeatedly asked them to explain how {$220.00} times 12 months is the equivalent of this increase. No one can answer my question. No one will return my phone calls. No one will agree to look into this matter. I believe that there is a possibility that they are attempting to charge me taxes for the entire property, however the house was split in two halves when it was sold and I only purchased one half of the home. My mortgage is a fixed rate and while I realize that there is the possibility of yearly increases, as well as decreases, per changes in taxes/insurance the idea of an increase of this size makes no sense. I have tried to explain that I am unable to cover that much of an increase and NEED them to look into it to no avail. The most they would do was spread the extra payments over 24 months instead of 12 but that is still an exorbitant amount.
Consumer complaint received 2022-07-22
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

Lost job during Pandemic and XXXX XXXX issued a State of Emergency. Applied for Unemployment and did not receive any  payments until the end of the month. I have a Judgement that I have paid religiously since XXXX every month for XXXX dollars. Since my money was reduced drastically, I still continued to pay at least XXXX dollars a month, just to keep going and just not pay. I finally get a chance to get mail today and the XXXX County District Court placed a judgement on me. Instead of the XXXX a month, they now want all their money, and I am unemployed. I tried to work it out but they both refereed me to each other and would not make any attempts to discuss alternatives. This is illegal during the State of Emergency and should be exposed to other hard working  Americans that want to work. I am officially filling an Appeal in hopes that this can be reversed. 

I have all necessary communications from XXXX XXXX concerning this exact topic and its predatory debt collectors. Posted by Governor XXXX XXXX on XX/XX/XXXX, " Financial institutions will have expanded lending authority and debt collection activities will be suspended. '' This is illegal and will be presented to the Governor of Md concerning this predatory practice.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I logged into my Citi account for the first time in a while and noticed that I had started receiving monthly service charges of {$30.00} ( each month ) beginning in XX/XX/XXXX. 

This is after I had already dealt with a previous issue the prior year in XX/XX/XXXX where I noticed the same thing and had to call Citi to get the charges reversed. At the time, they told me they were switching my bank account to a basic one so I would no longer receive these charges. I accepted their word, they confirmed they had changed my account over the phone, and that I would no longer be receiving service charges. 

No explanation has been given as to why my account status switched or why I have been once again charged a monthly service fee of {$30.00}. As of this writing, they have stolen XXXX XXXXfrom my account and their customer service team says they can only refund me for 5 months which is unacceptable. Citi still owes me {$120.00} for fraudulent and invalid fees. Citi is stealing money from me and its customers and needs to be investigated for shady business practices.
Consumer complaint received 2021-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-18
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: PENTAGON FEDERAL CREDIT UNION (MD)

PENTAGON FEDERAL CREDIT UNION reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with Pentagon Federal Union a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do.

The only documentation they were able to provide was a Notice to Guarantor from Pentagon Federal Credit Union and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from Pentagon Federal Credit Union clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they Pentagon Federal Credit Union have fail to follow and adhere to.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I received notification that a payment had posted to my Nevada Bank of America debit card. The payment totaled {$960.00} between federal and state benefits after taxes were withheld. When I went to access the account and transfer the money to my checking account, I found the account had been closed. Both NV XXXX and Bank of America repeatedly told me it was the other party 's fault. Eventually I found out that my card had been closed for suspected fraud. When I filed my next weekly claim to be paid out XX/XX/XXXX I discovered that payment was not released because I needed to confirm my identity with XXXX. When I called XXXX nobody could tell me how to do that. Luckily the next week I started a new job so those two weeks of payment were the only weeks I did not receive. Finally I emailed copies of my license and my passport to XXXX and on XX/XX/XXXX was notified that the hold had been released from my account and my XXXX XXXX XXXX Pending resolution had been removed from my account. It showed my final unemployment payment had been issued. That payment was a partial payment of {$630.00} combined federal and state benefits to rectify a previous accidental overpayment ( due to a vacation time issue ). I went to the Bank of America website to check my balance and found the account was still closed. The XXXX fraud phone number has been disconnected- I can't get through. The XXXX main phone line refuses to let me talk to a representative or receive a callback. When I called Bank of America about this issue they claimed that it was XXXX 's problem again, but since XXXX has clearly released the hold on my account and released payment to BofA, I have no choice but to understand the situation as BofA unlawfully holding my payment and refusing to release my money to me. The most recent time I tried to contact BofA about this they hung up on me with no discussion. The total amount I am owed is XXXX and it has been six months that this money has been withheld from me.
Consumer complaint received 2022-07-22
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. (FL)

For almost a year I have attempted to have the Credit Reporting Companies to stop the unlawful reporting of my private bankruptcy. TransUnion and XXXX have repeatedly responded back stating that the Bankruptcy Court has verified even after receiving the letter from the Bankruptcy Court stating THEY HAVE NOT REPORTED the account. 

XXXX has removed the account but TransUnion and XXXX are knowingly and willingly being non complicate. 

I have provided the Credit Reporting Companies via Certified Mail with Green Return Receipt a Notarized Affidavit of TRUTH, to confirm both my Legal identity and my legal address. Still both TransUnion and XXXX keep returning letters stating they have complicated an investigation and reinvestigation that the account was verified by the bankruptcy court, these are false and fraudulent statements by both TransUnion and XXXX as neither have never completed an investigation nor have they ever provided a Certificate of the identity to whom verified the account. 


15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) ( 1 )
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Partners, LLC (TX)

I paid my balance to RMP collection last XXXX. During payment receipt they said they will delete the collection from my report. Seemingly they never did. I called them few times again and they have been telling me they sent the request again but Transunion still showing the collection. Because of this I am not able to take out new mortgage. 

There are few accounts ranging from XXXX to XXXX dollars. One of the account is XXXX On XXXX it shows up as RMP SERVICES LLC # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX It does show account paid in full, but it needs to be deleted.
Consumer complaint received 2019-06-03
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. (MO)

I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NV)

On XX/XX/2020, I received a letter from CCCH stating that due to financial hardship, they are willing to let me settle my account for {$1900.00}, which will satisfy the debt in full. On XX/XX/2020, I made my last payment which fulfills my end of the agreement. On XX/XX/2020, I have received and email containing a receipt that states my account has been fully settled. To this day, my account is still being reported as delinquent despite all of the on-time payments that I have made based on the agreement. I see this reporting as fraudulent. Can you please look into this? I would appreciate it.
Consumer complaint received 2018-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (MS)

On XX/XX/XXXX i received a text message saying a have been approved from a man XXXX XXXX saying he is a rep. from XXXX XXXX  and that i was approved fir XXXX $ and pay XXXX monthly. I was told that i have to pay a security deposit if XXXX in case i couldn't pay one month that security would cover it. XX/XX/XXXX i called him and he told me to go to XXXX and purchase a XXXX XXXX for the amount ofXXXX i had to buy oneXXXX card and a XXXX dollar card. He received the information and then said he was contacting the account department XXXX then later said i said have to pay an additional fee ofXXXX dollars because i was late accepting the loan. I refused to do so so i asked for my money back. He then hung up anger i haven't heard from XXXX XXXX since..
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

I disputed the debt in writing with the company once it appeared on my credit report. I previously had not heard anything about the bill. I found when they send me a copy, that the hospital failed to bill my insurance and also had incorrect address information in their system. The hospital has since admitted fault and has written off their portion. TSI has closed the account based on my communication, but it still remains on my credit report, which is effecting my credit score by more than 100 points.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (OR)

My XXXX report was improperly accessed by KeyBank on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19. When I inquired about this with the bank, they said there is no record of me applying for an account and therefore no inquiry. No account was ever opened, but they still made 4 inquiries, so either they fraudulently accessed the account, or fraudulently denied an account for some other factor.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

this concerns wells fargo I appied for mortgage modification in XXXX Iwas told by bank that I had to be 90 days late to apply when I applied my mortgage was XXXX a month It was a extensive process I faxed them information 2 times a week After about 8 or 9 months they said my payment was about XXXX a month I told them it was too high and I could not afford it Lost our house in XXXX We are in our XXXX we thought we were going to spend the rest of our lives there
Consumer complaint received 2018-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I opened 2 accounts at Citibank. I funded the accounts with checks from a different bank. The next day Citibank initiated ACH transfers from that different bank without my authorization or access information ( account numbers ). They withdrew funds from my other bank without my authorization.
Consumer complaint received 2022-06-14
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. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX BANK ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND 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 2022-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

1. Received a letter from XXXX, XXXX stating that I owe a Paypal debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ).

3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (NC)

Fed loan service has me at a CLOSED status and a {$0.00} dollar balance and I ask them to remove the account because the remarks and late are effecting my score negatively. I am in the process of trying to buy a home and cant do so.