davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
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. (MI)

These accounts are fraudulent : XXXX XXXX {$290.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My daughters identity was stolen last week and used to open a check account with Bank of america. they then bounced a check and incurred a fee. the account was closed with a negative balance which triggered a freeze on her actual checking account at another bank. BOA was contacted by my daughter but they will not give her a letter indicating it was fraudulant for 90 days. I posted about this on Social Media and several people responded the same thing happened to them with BOA. I believe an investigation should be opened to look into potential fraud within BOA.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

My mother died XX/XX/XXXX .My brother and I lived with my mother and paid her XXXX monthly for six years.We never knew the what the mortgage payment was.When we called the lender they refused to give us any information even though we told them the CFBP issued in XXXX and a rule issued in XXXX gave successors in interest certain rights such as being added a borrower without triggering the ability to repay rule.We are now in court going through a foreclosure. All we want to do is find out our options to keep the home.We have been in court two years with attorneys  that will not speak with us because instead of them trying to resolve the situation with us they foreclosed on the home even though they were aware of my moms death and we brought it to the attention of the court and filed a motion to dismiss which was granted, We are now going through the process a second time, They knew they could not foreclose on a deceased person so there is no way they are going to be nothing but adversarial which they are because we informed the court about what they were doing was illegal .We would like to speak with the lender.
Consumer complaint received 2019-09-24
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: Experian Information Solutions Inc. (FL)

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I called to the bank, they didn't provide any information. They couldn't find anything on my name.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (KY)

I disputed this collection through the CRAs many times, and each time it was verified. I mailed a debt validation letter directly to National Credit Systems on XX/XX/XXXX. No response. I mailed a similar letter to the property manager on XX/XX/XXXX. No response.

I was forced to leave apartment due to ownership change and new rules about pets immediately, with no warning. I am asking for a complete breakdown of the {$2700.00} charges.I have no idea what these charges could be for? I left the apartment in cleaner and in better condition than when I moved in.

The only response I have received was a settlement offer from NCS on XX/XX/XXXX, so NCS can find me.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I purchased my home through Chase mortgage in XX/XX/2017 as a first time homebuyer. On XX/XX/17, an escrow payment of {$320.00} was applied directly to the escrow account. Going forward, the original agreement, signed in good faith, indicated of the {$1000.00} monthly payment, {$140.00} would go towards the escrow account to cover insurance and property taxes. I set up an auto pay for {$1100.00} so {$88.00} additional principal would also be applied. These amounts were paid and applied appropriately until the payment on XX/XX/2017 where the escrow payment applied was dropped to {$64.00} ( down from the {$140.00} ) to continue paying the insurance but not the property taxes without my knowledge or consent. I was confused and unsure as to why this happened but, being a first-time homebuyer, assumed that because the previous home owner had a homestead exemption that granted him complete exemption from property taxes, the taxes may have been re-assessed and with already almost {$1000.00} in the escrow account the monthly amount withdrawn could now be reduced. Believing the bank would apply funds as necessary, I did not change my automatic payment - I continued the autopay that was set up to pay the monthly mortgage amount dictated by the bank plus the {$88.00} additional principal. 

Recently, I noticed a message on my online Chase mortgage account that indicating my monthly payment would be changed once again but this time from {$970.00} to {$1800.00}! It appears that because the bank failed to continue applying escrow towards the property taxes, they are now unfairly demanding that I double up on tax payments this year to clear last year 's property taxes and put money into escrow for this year 's property taxes. Of the {$1800.00} payment, it appears they are applying {$510.00} towards " escrow shortage '' ( short due to the bank 's error )  and {$390.00} towards property taxes. As you can imagine, nearly doubling the monthly payment on a mortgage would no doubt create a severe financial hardship on a single mother. I feel the bank was misleading and deceptive in their erroneous practice of changing the monthly payment without my consent and then expecting me to pay twice the amount in property to make up for their mistake.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, I opened an XXXX  XXXXSynchrony Bank store credit account to purchase {$3900.00} in merchandise from the XXXX XXXX XXXX Store, I made the purchase on a XXXX   month interest deferred plan, to expire XX/XX/XXXX. I setup my account to pay automatic equal payments, no interest. 
On XX/XX/XXXX, I made an additional {$2300.00} purchase from the XXXX XXXX store on a XXXX month interest deferred plan, to expire XX/XX/XXXX. 
The entire monthly payments made were applied to the XXXX purchase until it was paid off leaving the XXXX purchase subject to interest. This is an unfair practice. I did not receive the promotional terms I agreed to. 
I am requesting CFPB to investigate XXXX XXXX/Synchrony Bank practices. Also, I am requesting a refund in the amount of {$910.00} for interest paid on this account due to their unfair practice. Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit information. Please remove all accounts listed below immediately. 

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-01
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. (CA)

I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3.  XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.
Consumer complaint received 2019-10-01
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

On XXXX XX/XX/, XXXX, CT branch of JP Morgan Chase was entered and three ( 3 ) checks were deposited. Two ( 2 ) of the checks were Official Bank Checks from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The third check was an attorney 's escrow fund check from an unknown bank. The two ( 2 ) Official Bank Checks totaled approx. {$1.00} XXXX and the third check was for about {$110000.00}. A fairly typical real estate transaction. 

I have been advised that the Official Bank Check deposits will not clear until XXXX XX/XX/2023. That is twelve ( 12 ) days!!! The third check is scheduled to clear in five ( 5 ) days!!! The " lost '' interest on these funds exceeds {$1000.00} per week which I formally request reimbursement.The checks were made payable directly to the account owners and deposited into an account titled in the account owners names ( s ). There is absolutely NOTHING out of the ordinary with these checks. 

I have been a JP Morgan Chase depositor for in excess of fifty ( 50 ) years. Balances in excess of {$250000.00} are consistently maintained and I am a so-called " Private Client ''. 

These funds are needed and it is incomprehensible that funds are being held for almost two ( 2 ) weeks when they should have been available the next business day.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity Properties Inc. (OH)

Several times I have reached out to Fidelity Collection regarding this issue. During the time of this service, I was XXXX and the XXXX XXXX XXXX XXXX Ohio covered all medical expenses. This debt was sold to Fidelity collection who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX XXXX XXXX. As a XXXX, I do not pay for any medical services and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had cashed out on XXXX  XXXX  for the amount of {$490.00} on XXXX at XXXX, was supposed to be sent to my Bank of America checking account and I never received the funds, Bank of America says they cant help me and to contact XXXX XXXX. XXXX XXXX send me the transaction summery and says that they sent it to my account and Bank of America has my funds.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2019-05-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I believe that I was pressured into purchasing a vehicle which was recently leased from XXXX XXXX XXXX dealership. I wanted to trade my XXXX XXXX XXXX XXXX XXXX but the dealer did not want my trade in vehicle as they were offering too low of a value which I believe I should have received more for the value and condition of the van. So I told the dealership that I will not be able to afford anything more that {$250.00} per month but the dealer still insisted that the vehicle that I wanted to lease is much higher and {$460.00} + XXXX for insurance toward excess wear and use. So I ended up paying {$470.00}. After 2 weeks I was talking to a co-worker whom recently leased the same exact vehicle for another XXXX dealership and ended up paying almost 1/2 the amount per month that I am currently paying. I believed that I was a victim of over pressuring salesman.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (OH)

Several times I have reached out to Commonwealth Finance regarding this issue. During the time of this service, I was incarcerated and the XXXX XXXX of XXXX Ohio covered all medical expenses. This debt was sold to Commonwealth Finance who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX  XXXX XXXX. As a prisoner, I do not pay for any XXXX XXXX and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.
Consumer complaint received 2017-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

On XX/XX/XXXX I received notification that my credit score on XXXX and XXXX credit reports dropped 29 points! Due to a collection from Grant and Weber. This account was put on my credit report, I did not receive a notice or bill from Grant and Weber so I left them a message on their web portal asking why they put this on my credit report and received no call or response. On XX/XX/XXXX, I called Grant and Weber and was put on hold for a very long time and then got disconnected. On XX/XX/XXXX I sent Grant and Weber a letter requesting verification of debt from the original creditor. The letter was sent to them via certified mail and signed for by a person named XXXX tracking number XXXX XXXX XXXX XXXX XXXX and signed on XX/XX/XXXX.  Today is XX/XX/XXXX I have checked my credit report and the negative collection account remains on my credit reports negatively impacting my credit score. I have not received anything verifying this debt and do n't know what this is for. In my letter I asked to to verify the debt from the orginal creditor and to clean up my credit reports. I currenlty have a XXXX score with XXXX that I have worked very hard to maintain.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST INTERSTATE BANCSYSTEM, INC. (IA)

My account had a balance {$57.00}. At the branch manager 's discretion an item for {$190.00} posted to my account bringing my account negative - {$130.00}. Previously with my account multiple fradulant debit card purchases were allowed to process in my account overdrafting it again at the managers discretion. While resolving the dispute at the financial center I requested that no debits of any kind post at the manager 's discretion. My wife had left with my children and I moved to an area with no cell reception. My mail was forwarded to my parents address and I assumed I had just received statements from FIB. I was then charged {$380.00} in fees and am being charged interest by the collections company.
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (CA)

Experian is reporting incorrectly a collection in the amount of {$2300.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never rented property from XXXX. This account has clearly been added to my credit report in error with incorrect information and needs to be deleted from my credit report. I have contacted XXXX XXXX XXXX directly to address this as well as the credit bureau however, I have not been successful in getting this item removed. This incorrect reporting is harming my credit score.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

Today XX/XX/2023 tried to pay online and does not recognize PC. Called Customer support again as this happened first time as well. It asks for personal questions which we never entered. Nothing works and will not recognize or allow processing payment. I noticed all financial instruments with Valley XXXX Bank whether credit card or Heloc payments. They should not be allowed to sell instruments like this as credit card is through Elan. I even tried using app on phone same thing will not allow.
Consumer complaint received 2019-05-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

This company that calls itself XXXX XXXX, called my husband, mother, father and step brother all on XX/XX/2019. To which this company proceeded to let them know that there was a warrant out for my arrest and a subpoena for debt owed. I called the number that was given to them XXXX and the case number : XXXX. I called and asked for company name and Info and was hung up on. Second call was told to verify the last 4 of my social ( they had my complete SS # and date of birth ) said I owed money to Ace Cash. I said well I havent received any written statements in the mail. If I get a mailing I will pay. They said no. We will not send anything out, you will be served or pay through the phone with a debit/credit card. I said no, is there a website to send payment and get more info? and once again got hung up on.
Consumer complaint received 2019-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Complaint about Mr Coopers field insperctor, XXXX XXXX, XXXX XXXX, said came to house and was VACANT SEE FORM i was in back, saw him taking pictures trash cans in front! THIS IS HARRASMENT AND LIARS!!! ( have been trying to mofify loan )
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (TX)

That was on or about XX/XX/2019 I received a letter from Professional Account Services collection agency to collect the debt amount {$300.00} on behalf of XXXX XXXX XXXX XXXX XXXX listed as creditor. Then, I directly contacted the creditor and spoke to a rep named XXXX regarding the alleged debt. He informed me my installment account is current since I've enrolled automatic draft from my bank every first of the month. He also stated that the management will get back with me within XXXX from the dated we talked. As of today XX/XX/2019, no one has not been called me and this alleged collection account is on my credit reports.
Consumer complaint received 2019-05-01
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)

After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.