davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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: TRUIST FINANCIAL CORPORATION (NC)

Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with regional acceptance that was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The address Regional Acceptance had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand XX/XX/XXXX to remove this Account from my credit file at the Earliest Possible Time
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (TN)

I have never heard of this company nor have I received any documentation regarding oweing a debt. They have never tried to get in contact with me. I never opened this account and have asked twice now for proof that I owe this debt.
Consumer complaint received 2022-04-28
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. (MD)

I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

On XX/XX/XXXX, we closed on a new construction XXXX XXXX house. Our original loan was through XXXX XXXX, which is a part of XXXX XXXX. Our loan was sold to RoundPoint Mortgage shortly after closing on our house. 

On XX/XX/XXXX, an escrow analysis was performed. We received the escrow analysis statement letter on XX/XX/XXXX. Upon opening the letter, I noticed that our mortgage payment was going up 134 % from {$1500.00} to {$2000.00} due to a shortage that was calculated from an incorrect entry of the estimated taxes. 

The taxes on the property will be approximately 1 % that is paid out in two annual payments. This information was clearly provided by the original mortgager in the closing paperwork but was incorrectly entered into RoundPoint systems. 

On XX/XX/XXXX, upon receiving the escrow analysis statement, I immediately called into the support number at RoundPoint Mortgage. The person I spoke with said that they would schedule a new analysis. I was told the analysis would be completed XX/XX/XXXX. 

I have since called in several times to get an update on this new escrow analysis, but there has been no update. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - there are no updates. On one of the calls, I was asked by the person I spoke with if I had a tax statement that I could send them showing the taxes on the house - to which I responded, this is a new construction home and has not been assessed yet. 

RoundPoint should know that this is a new construction house and has not been assessed yet. They should further know that making changes to the escrow in this fashion given the details of the mortgage is irresponsible. Given that it is more 30 days since I originally contacted RoundPoint in regards to this error, they are now being negligent in this issue and I will be reporting this to the Consumer Financial Protection Bureau. 

Additionally, because RoundPoint does not accept any payments less than what they deem to be the full amount, I am unable to make my normal mortgage payments until this gets resolved as I don't have $ 500+  that they have increased my payment to. I am concerned that this will not be resolved during the grace period to make my monthly payment. 

I was also told by the people I spoke with that there is no way to directly contact the part of the organization that does the analysis. They additionally told me that they don't have direct connection to this part either, all they can do is email them. How is this an acceptable practice that there's no direct contact with the part of the organization that performs the analysis and the homeowner is subject to whatever is decided and has no active way to resolve the issue - which I am attempting to do.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I recently was told to check my account because Wells Fargo has been reported for opening fake accounts. I checked my credit report and there is a card that I never owned open. I applied for a secured card back in 2013, but the lady at the bank told me that I didn't get approved and to try again later. There is a secured card that has been reported on my credit from 2013 that states it was opened on XXXX XXXX, 2013 for XXXX dollars. That account was closed in XXXX 2013, not sure what happened because I never got approved for this card and it should not be on my credit.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Dates of late : XX/XX/XXXX, XXXX, XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$220.00} Dates of late : XXXX, XXXX, XX/XX/XXXX This is a formal complaint against Equifax. I have paid for this on time during those months. The credit bureaus could not have validated and investigated every piece of information to make sure this is correct and that the payment history is reporting the right information. If the late payments are not reported 100 percent accurate, please remove them from this account and update the account as paid as agreed.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My wife and I have been trying to close our checking accounts with Huntington Bank since XX/XX/XXXX. After withdrawing our money on XX/XX/XXXX, the account did not close. 

I called on XX/XX/XXXX, and they told me that it was " waiting to close '', and that I should wait longer. 

I called again on XX/XX/XXXX, and they said it didn't close because {$0.00} and {$0.00} worth of interest was deposited in the 2 accounts after the closing, preventing them from closing. They then told me to wait 7-10 more days. 

They then removed double the remaining funds from each account, making the balance go negative and started sending us Overdraft notices. 

I called again on XX/XX/XXXX, and they told me to continue to wait. 

I just want to close these accounts!
Consumer complaint received 2021-09-19
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)

Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}
Consumer complaint received 2021-01-22
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. (MI)

Opened a case with CFPB in XXXX of XXXX. It was resolved on XX/XX/XXXX when XXXX XXXXXXXX XXXX XXXX- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in Equafax. We have tried disputing it with Equafax several times with no luck, using the letters provided to us by XXXX XXXX on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2018-12-09
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. (NC)

I've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.
Consumer complaint received 2018-02-03
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. (GA)

I am having problems with my credit score. For some reason on XX/XX/XXXX my credit score was in the 600 's,  the next day it is XXXX. I don't know what happened. I need some answers to why my credit score dropped so low.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a zero balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX  and Equifax. 

I checked my report on XX/XX/XXXX, on both XXXX and Equifax my credit account still noted closed. At this time I received results from XXXX  stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with Equifax ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IN)

American Express serve is claiming I owe them {$740.00}. I have a prepaid card with them so I'm so confused how I owe them. I do frequent a bar in my local neighborhood and they believe i purchased goods on XX/XX/XXXX. Multiple times which i haven't. They refuse to reverse the charges. I had money on the card from payroll funds as well as my tax refund. I dont owe them any money. As a matter of fact it is always something with this company.
Consumer complaint received 2018-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CHARLES SCHWAB CORPORATION, THE (TX)

Please see the latest complaint sent to the company # XXXX. We have not received any indications when our interest rate has changed or payments due and the amounts of these payments. A representative informed me indications of change in interest rates can not be communicated because the change happens to quickly to allow notifications to be sent to us. However, this results in missed, past due payments and collection activity. This has been the case since we have completed our five-year bankruptcy terms. Although the BK completion charged us to be on time for every payment. This is contradictory information and seem to be set up in an effort to attempt to foreclose on our home again ( which happened while we were in bk )
Consumer complaint received 2022-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

The loan closed on XXXX XXXX I was told the funds would be wired. Part of the loan agreement was for a previous loan to be paid off. It was paid off but not until XXXX XXXX. so for 20 days I paid interest on two accounts I called several times and was told that the Payoff would be backdated to the origination date of the loan. That did not happen. I was also charged a wire fee of {$20.00} from bank to bank ..and these are two banks that are sister banks. Theyre both coming under the umbrella of Truist ..bbt and sun trust The loan payoff was not wired it was sent by check therefore it went into the mail
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (ID)

I received a robo call from Chase bank about " my account. '' I don't have any accounts with Chase. The phone number they used was XXXX. The XXXX prefix is usually XXXX XXXX XXXX cell numbers in Idaho.
Consumer complaint received 2019-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Dear Consumer Protection Personal ; I need your help to solve the HSBC bank issues I have now. 
My HSBC advancing checking account # XXXX opened on XX/XX/XXXX with promotion for {$350.00} welcome bonus. welcome bonus suppose to come in on XX/XX/XXXX. Nothing happened, no bonus seen. Call on XX/XX/XXXX, XX/XX/XXXX HSBC file number of investigation XXXX XXXX ect. Online chat with HSBC rep. No response or answer from the HSBC so far. Call on XX/XX/XXXX no help at all. I could not get hold of anyone from HSBC bank to get an answer. I wish you could help to solve this issue. 
Thanks. 

My phone number XXXX XXXX XXXX My name is XXXX XXXX