davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (KS)

I have multiple accounts on card and after AMEX changed statements to include pay over time feature statement balance on cards is not true or correct. 
The reason AMEX is unwilling to correct is that new statement format balance includes credits in balance and people who pay over time are being charged int rest on credits as well-as charges with current method of accounting. 
Since this dispute started my card info has been stolen once and AMEX has deliberately harassed me by canceling and or modifying my cards causing many calls to them always resulting in further issues never correcting fraud that resulted in original complaint!
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (NV)

I had my mortgage payment setup to automatically send from my bank to the mortgage company Caliber Home Loans on the 1st of every month. In XX/XX/XXXX/XX/XX/2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because Caliber Home Loans had purchased my Loan from XXXX XXXX Loans I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XX/XX/XXXX/XX/XX/2018 because I didnt know to update the automatic payment I was sending. When this happened Caliber Home Loans reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with Caliber they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of Calibers failure to notify me of the change in payment amount. The account has since been paid in full and closed, and Caliber is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Consumer complaint received 2024-04-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC (SC)

On XX/XX/2024 I got a response from XXXX through the CFPB stating they never sell members personal information to third party agencies which is false information. I received a letter from MRS BPO XXXX XXXX stating that they were collecting a debt that is owe to XXXX XXXX XXXX XXXX which is a violation of my rights and I want this debt gone IMMEDIATELY. They been violating me for a year straight and its gendering me from moving forward in life and hurting me financially. Ill submit photos below
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

****FLAGSTAR BANK IS THE SERVICER OF THIS LOAN SEE ATTACHED**** XXXX and XXXX XXXX fell behind on their mortgage due to health issues. They are elderly and infirm on a fixed budget. They will be able to afford a slightly lesser payment than the one they have now and just need some assistance to get caught up and back on track.Their daughter lives with them and contributes {$1400.00} to the household, per month. A full assistance request will be uploaded through the Flagstar website, along with copies of this CFPB complaint and QWR.
Consumer complaint received 2022-04-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Consumer complaint received 2021-05-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, EXPERIAN AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NM)

I received a letter ( see attached ) which at first glance appears to be a " final notice '' for some sort of loan. It isn't, it's a solicitation for a service from an ambiguous company ( " XXXX  '' ) to assist with an otherwise free, self-service process for federal student loan recipients. 

It includes information that is not publicly available and obtainable only through a detailed credit report ( " hard pull '' ) which may have caused my credit rating to drop slightly in recent months. This appears to be in violation of the Fair Credit Reporting Act.

Upon calling the company, two different call center associates claimed the information in the report was obtained from publicly available information. When I asked where this information was found, neither agent admitted knowledge of the actual source. I didn't get the impression that they were lying about not knowing the source nor realize that the information they are claiming is publicly available, definitely is not, and can only be obtained from a credit report. This suggests to me that the phone agents are trained by a company that knows the information was obtained from an illicit source. No more information about the company is available on the letter. There was not even a return address on the envelope, although the envelope was stamped " mailed from zip code XXXX '' and " U.S. Postage paid permit No. XXXX '' After obtaining and reviewing my credit reports from XXXX and XXXX, and following several obstinate phone interactions, I believe Chase Auto finance may have given information from, or access to my credit report to third parties for this sort of advertisement. Chase Auto Finance has been difficult to work with, failing to follow instructions given to them about my auto loan repayments over the phone, so I wouldn't put it past them to give out this information to third parties who are unauthorized to access it.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

This is in regards to CFPB complaint number XXXX. You marked it as duplicate. This complaint is NOT a duplicate. The complaint is as follows ... 

I have several unauthorized ATM transactions on my PNC SmartAccess debit card. I filed a claim with PNC and it was apparently denied. I called to ask why and they said its because of previous spending pattern. I have no control over how or where a criminal used my stolen debit card. Now, you should also be aware that PNC alerted me to the fraud! They would only do that if the spending pattern was unusual. Now they change their mind because they dont want to honor their zero liability policy. The transactions Im disputing are {$500.00} from XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX  on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, and {$500.00} from XXXX XXXX  on XX/XX/2018.
Consumer complaint received 2018-11-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

My mortgage started on XX/XX/XXXX with XXXX XXXX. It was sold to Statebridge starting XX/XX/XXXX. Statebridge then increased the rate and changed the escrow terms illegally. 

I requested to cancel the escrow account in XXXX and provided the proof of payment for the XXXX whole year property tax as requested by Statebridge. After I called them many times, they finally responded in XXXX. that they rejected the request stating that the escrow account must remain open for one year. I notified them that the original mortgage agreement I signed with XXXX did not have this requirement and according to the federal law, they cant change terms when the mortgage was sold to them. Ive also requested them to provide documents and proof that they have legitimate and legal reason to add this requirement. They just ignored my requests whatsoever. In XX/XX/XXXX I notified them that the mortgage had been one year and the escrow account should be able to be cancelled as they promised even with their newly added requirement I did not agree. But they again postponed the cancellation date to XXXX. 

During the time Ive also repeatedly requested the balance on the escrow account to be refunded or applied to the principle balance. They just ignored all my requests. And the escrow account had accrued more than {$15000.00} balance at this time. According to the service terms, the escrow account was established to pay the property costs so that the borrower did not have to pay one or two large payments a year. Since we had already paid the property tax for the whole year and requested to cancel the escrow account ( and would pay insurance by myself ), the escrow account was not servicing its purpose. They kept collecting the escrow funds each month and holding the funds there not servicing its purpose, which was against the service terms and illegal.

When the mortgage was sold to Statebridge in XXXX, they secretly increase our mortgage rate from 2.75 % to 3 %. When I found out the rate change in XX/XX/XXXX. and contacted them, the representative over the phone tried to lie to me that the rate did not change, and then lied to me that the rate increased because it was on the XXXX ARM. Though they finally reversed the rate on XX/XX/XXXX after my insistence and contacted them multiple times, Id like to point out they were committing something illegal.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (MO)

On XX/XX/XXXX, I received an email to log on and verify my information. I attempted to do this, but immediately received an error message. As an result my account was restricted and Im unable to use it. I immediately contacted support and customer service, but they provided NO assistance! I have reached out several times about the system not allowing me to verify me information and still no assistance has been provided. They always send the same scripted message. Now, my credit score is impacted because it will shows I am using all my available credit with them. They also charged me {$100.00} annual fee for a card I can no longer use because of an error caused by their system.
Consumer complaint received 2019-06-28
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. (FL)

I have accounts on my credit report that don't belong to me. These inaccuracies are negatively affecting my ability to buy a home. 

I also have inaccurate late payments on my report although I never actually paid anything late. My information is all over the place and each credit report agency is reporting completely different information about the same accounts. 

Something isn't right here.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

I, the consumer and natural person, was denied credit by American Express when I applied for an American Express XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the adverse action letter I received which is included with this letter.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

XXXX : XXXX  / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (GA)

I've sent a letter about 2 accounts listed on my personal credit report and Equifax replied in a letter stating one of those were not reporting. That account is still reporting as of XX/XX/19 and I want it removed immediately.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Arco Collection Services LLC (TN)

I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company XXXX XXXX on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my XXXX XXXX XXXX loan was sold to a third party collection firm named Arco Collections. The original loan amount from XXXX XXXX was XXXX. Arco Collections had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company XXXX XXXX refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-09
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. (AK)

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX FXXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXXXXXX XXXX APTA XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (AK)

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX SXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXXT XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NY)

XXXX OF XXXX XXXX XXXX date of servicedid not bill insurance company evertried to collect from XXXX XXXX XX/XX/XXXX after sold to XXXX XXXX systems. XXXX was insurer of record and verified coverage and that XXXX has no obligation to pay. Now " debt '' sold to another entity XXXX XXXX XXXX XXXXand Dynamic Recovery Solutions is now billing XXXX XXXX for same {$630.00} which he is not obligated to pay.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer credit report immediately.
Consumer complaint received 2019-01-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,
Consumer complaint received 2019-01-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,
Consumer complaint received 2022-10-24
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. (MS)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose