davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

" Midland credit management '' as they like to call themselves keep calling me saying that I owe them over {$700.00}. I have never ever worked with this company and frequent attempts to make them stop calling me has failed.
Consumer complaint received 2022-03-17
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: Early Warning Services, LLC (NC)

Early Warning, has broken the law-section 605B of the FCRA consistently XXXX since they 1st removed the XXXX account correctly, then reinserted it illegally without proper authority as provided in section XXXX subsection C of the FCRA. 
XXXX has never kept their word to contact me. Early Warning gets their contact information from ME. But Early Warning is wrongfully and illegally not investigating my claims at all. The police positively and absolutely CLEARED me of opening or maintaining the external accounts attached to my account with XXXX. 
It is these external accounts that caused the deficit with XXXX. Not me. But Early Warning is stupidly and arrogantly listening to XXXX and ignoring this fact. This is my MAIN claim to both Early Warning for reporting it still and XXXX, for not obeying the law and the police findings that I am cleared of those external accounts or anything to do with them.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

I have been a long time customer with Citibank, successfully paying bills with them for over 6 years with no late payments or overdraft or anything. I was successfully enrolled in AutoPay with Citi and so did not ever have to check the payments of these bills. On XX/XX/2022, I had a bill due for {$26000.00} and I paid this on XX/XX/XXXX, with the due date of XX/XX/XXXX. I was charged {$330.00} in interest for paying the bill one day late. This comes out to an annualized interest fee of 468 %. I did not receive any notification that the payment was late, that this interest was being applied, and I did not receive any notification that I was no longer enrolled in AutoPay. Because I did not receive any notification, this exact same event occurred in XXXX ( with similar annualized interest rate ). I believe that Citi is intentionally under-notifying their customers so that they can rack up these fees. When I brought this up to the customer service, they denied that I was ever enrolled in AutoPay ( not true ) and that this is not their problem because it is the terms of service. They make it very difficult to tell whether or not you are enrolled in AutoPay both via lack of notification ( for any bills due ) and via intentionally poor user interface on their website. Certainly, if I had known, I would easily be able to have paid these bills with no issue ( as they were paid one day late ).
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have been a Wells Fargo consumer for XXXX  years. I have worked for Wells Fargo for XXXX  years. Upon opening a new account, I deposited a cashier 's check and it was placed on hold for XXXX  days with no funds available prior which is Wells Fargo procedure from my understanding. My personal and business accounts have now been closed due to XXXX  per Wells Fargo. One week before, my personal information was verified in order to open a business account. Months prior, my personal account was verified by a branch banker with no issues. The bank closed my accounts, after verifying me and debited my funds which were needed immediately and has caused me major hardship.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (DE)

Made payments as reflected for total amount due. Next billing cycle indicated there was pass due balance. Was informed by several employees and supervisors that online payments system does not reflect correct information. A late payment fee is paid online, However as advise if a customer does not call back to Westlake Financial and advise the company and inform a late payment was paid online. That late payment fee Is applied to a principal. The term used is you must ask for an allocation Asked numerous representatives can I have a copy of terms and conditions of payment policy neither representatives does not have access to this information. Neither on payment portal does that state such policy. Attached is of the wording of payment portal, by Westlake Financial.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I have spoken with navient numerous times and expressed financial hardship I have made requests to start repayment that is affordable for me they have refused to assist and have reported on my credit inaccurate information. They have not furnished the information requested by attorneys and continue to evade my request to correct the information reported
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc. (NC)

I called Mr. Cooper on XX/XX/XXXX to inquire about a recent increase in my mortgage payment. I was informed that it was driven by a recent increase in property taxes. The representative then informed me that he could do a complimentary " health check '' of my mortgage, and asked for my consent which I obliged. After a brief hold, the representative informed me that he checked, but based on current market rates refinancing would not be beneficial for me. It was at that point I realized he ran my credit for refinancing options. At no point prior to this did he mention refinancing at all. Had he done so, I would have declined. I called back on XX/XX/XXXX and requested to speak to a manager to voice my concerns over how the matter on XX/XX/XXXX was conducted. In speaking with the representative, she continued to stall transferring me to a manager. We discussed my previous call and indicated that despite the previous representative 's advice, she believed refinancing would be beneficial. She indicated that refinancing would be my only option to remove PMI from my payment. I questioned whether the increase in interest that I would incur over the course of the loan as a result of refinancing would make sense and she assured me it would and that I would be responsible for paying PMI for the duration of the loan otherwise. Based on the Homeowners Protections Act of 1998, I know this to not be true. The representative also mentioned the amount of equity I now have in my home, and after doing some research of my own, it appears I in fact would be a candidate for PMI removal based on the current value of my home and loan. That said, the representative put me on hold for over 20 minutes while she researched further. I ended up hanging up at that point because I had zero confidence that she would finish assisting me. That call lasted for XXXX minutes without any resolve to my original intent for calling. It appears to me that the representatives at Mr. Cooper are influencing consumers into refinancing based on false and inaccurate information. They indicate to be " licensed mortgage professionals '' but lack full transparency when speaking to consumers as well as comprehensive knowledge of mortgage guidelines. If my credit is being ran for a loan application that should have been clearly communicated upfront, versus using vague terminology.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

This letter is for me to try and explain my dispute with XXXX XXXX, XXXX. 
On or around XX/XX/2021 XXXX XXXX called me and stated that the Federal Government was behind a program to go after credit card companies for taking advantage of senior citizens. she proceeded to explain to me that as an example $ XXXX balance could turn into a XXXX $ XXXX and five years to pay. she showed some other examples I didn't have time to write down. Then she said that all this credit card debt would be totally written off by the card companies within 18 months and that although my credit would go way down, that within 18 months it would rebound to be even better than what it was at this time. She went on to state that their fee for their services would be {$7300.00} and that I should get that money from Discover Card ( on the account ending in XXXX ) and that that amount would also be written off by Discover Card. I had to hand write everything she was saying because it was all over the phone. I never received anything in writing from XXXX XXXX XXXX. 
I had three differnt people that were to be taking care of my file, first XXXX, then XXXX and then XXXX. Neither of these persons ever answered phone calls or emails, no communication what so ever. The {$7300.00} charge was done thru XXXX XXXX XXXX, ADDRESS XXXX XXXX XXXX # XXXX XXXX, TN XXXX, phone number ( XXXX ) XXXX. 
All I've asked Discover Card is to charge XXXX XXXX  back for the {$7300.00}, XXXX XXXX is a part of XXXX  XXXX  as well as XXXX XXXX XXXX, all three are part of this scam and use different names so you can't get ahold of anyone of them!
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OR)

Hi team, I signed up and was approved for an American Express Delta Skymiles Platinum card in early XX/XX/2022. The card was supposed to have a XXXX $ annual fee but after multiple weeks, this fee was not charged. In order to budget for the holidays, I reached out to American Express support regarding the new card and asked when the fee would be charged. They explicitly stated in writing that there would be no annual fee charge until next year. I went on to budget and make purchases as planned until, after a few weeks, the annual fee was charged to my account on XXXX XXXX. This messed up my budget and caused financial stress due to the unplanned nature of the fee. I reached out to support again who told me that they could not cancel the charge but would put it up for review by the finance team. I reached back out over the next few months but it had still not been processed. I finally reached out on XXXX. XXXX and was told that it had been reviewed and the cancellation request had been denied. This has left me in a situation where a credit card company told me explicitly that I would not be charged a large fee, but they went on to charge it anyway. It is obviously in their best interest to surprise their customers with a fee that they claimed would not be charged. I have lost trust in their support and would still like my XXXX $ back. This is inexcusable.
Consumer complaint received 2023-06-16
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. (WI)

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. 


Account name : XXXX XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : FRONTIER AU Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now!
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are not correct, and it's causing me some discomfort.
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patient Accounting Service Center (CA)

Received a call on my cell which showed up as potential spam call and your agent started asking me for personal information to confirm Identity. I questioned him to confirm this is not just a phishing call and agent go upset and started threating me that he was going to report me as not comping to pay cause I didn't give him my confidential information. I am aware there is a debt that has to be payed and I am more then happy to resolve this issue but your agent had the wrong attitude and I don do not appreciate him threating me to report me to his client and create bad and false reports on my Credit. I just received a letter making me aware of this debt and will be taking care of it but I will not be dealing with any of your rude and unprofessional agents. This debt could be been resolved today but since he just got upset when I questions him to make sure I was not getting scammed he just hung up on me and did not give me a chance to speak. Agents like that should be fired in my opinion.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My Lender " Shellpoint/NewRez '' Loan # XXXX has incorrectly calculated my escrow analysis. They have raised my payment by ~ $ XXXX. This is related to a forced placed master insurance policy that was never needed. My building is a XXXX XXXX high rise condo that has always had up to date insurance. They did not do a good job working with my HOA to collect the information manually. 

I have been trying to get NewRez to recalculate my escrow analysis prior to my XX/XX/2022 payment ( which shows the increased payment ). They have not responded to me via messaging on their site. I chatted with their online tool and was told that they will escalate but it could take 30 days to review. This is unacceptable. 

Please help. 

XXXX XXXX
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (AZ)

I traded in my XXXX XXXX  for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXX added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute an inquiry that appears on my credit report. I have carefully reviewed my records and can confirm that I did not initiate this inquiry. I believe this inquiry is inaccurate and should be promptly removed from my credit report.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear CFPB, I am refiling this complaint I filed XX/XX/XXXX under number XXXX but was closed with the claim that it was the same complaint ( # XXXX ) filed in XX/XX/XXXX. The XX/XX/XXXX complaint was about the XXXX position - the new complaint ( see below ) is very different and is requesting the complete finances for the mortgage starting in XXXX and the associated mortgage paperwork for when Merrill Lynch assumed the loan and then when Bank of America re-assumed the mortgage on XX/XX/XXXX from Merrill Lynch. Please review and ask the Bank of America to provide the requested paperwork : I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the Merrill Lynch mortgage was then transferred back to the Bank of America on XX/XX/XXXX ( documentation attached ). 
. 
According to the XXXX XXXX XXXX of Deeds, Bank of America did not file the mortgage discharge paperwork when Merrill Lynch refinanced the mortgage in XXXX and never filed an amendment when it took over the Merrill Lynch mortgage XXXX XX/XX/XXXX, XXXX instead the XXXX XXXX XXXX XXXX XXXX only records the original Bank of America XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX XXXX XXXX of Deeds documentation attached ). 
. 
Please have the Bank of America send me a discharge of the of XXXX mortgage corresponding to when the XXXX Merrill Lynch XXXX XXXX as well as the modification when the Merrill Lynch mortgage XXXX transferred to the Bank of America XXXX XX/XX/XXXX as well as filing the required documents with the XXXX XXXX XXXX XXXX Deeds. Also, please have Bank of America send me a copy of all the financials associated with the original XXXX mortgage XXXX Bank of America only sent me XX/XX/XXXX- XX/XX/XXXX financials from the new transferred mortgage ). 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (DC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time XXXX