davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Google Compare Credit Cards Inc. (IL)

My name is XXXX XXXX. I have been hacked with my computer. Someone had been using my info to attach another account to my XXXX  account XXXX and robbed me for my XXXX XXXX which contains my social security number, my business information, contact, bank account information, and personal information. XXXX allowed the activity to go during the month of XXXX. They are making more of my Gmails to illegally purchases
Consumer complaint received 2021-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

My home is in NJ. Im in a union and during COVID last year we were shut down for a period of time. I did not want to have a negative relationship with my lender so I avoided forebearance. I struggled to make the payments but kept them to a few days late. On one occasion it did go 60 days delinquent. As soon as possible, by XX/XX/2020 I brought the loan current with neither Quickens nor governmental assistance. 

I was under the assumption that during COVID the lenders were giving some flexibility and were not reporting borrows delinquent. Quicken Home loans has destroyed my credit with 6 months of late payments. Why? What did they accomplish other than to prevent me from acquiring a lower mortgage rate.
Consumer complaint received 2020-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Conn's, Inc. (TX)

An account was opened under fraud-deceit, misleading terms. I went to Conn 's XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/20. I was asked to sign for credit check. I did not consent to a purchase and did not leave with any property. I was XXXX and did not know what I was signing. I am a XXXX  and do not have a job, nor any credit in my name for the same reason. On XX/XX/20 I called the XXXX County Police Department when I received a bill for something I did not receive. They went to Conn 's and confirmed that my signature was on file. The police officer advised that they could not file a police report, but suggested I contact the FTC and Consumer Finance to fight this bill for property not received and to fight this item on my credit report. Please help! I now have a bill for {$5000.00} for nothing received. ( {$1800.00} XXXX, {$870.00} for repair service agreement, {$99.00} for Internet secure ) + tax plus interest of {$1700.00}. I will also put an alert on my credit to prevent unauthorized purchases in my name.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( TransUnion, XXXX ) claim they can not remove an unauthorized inquiry from my account.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

On XX/XX/2019 I received an email from BMO Harris Bank inviting me to open a Statement Savings account and offering me a {$50.00} cash bonus after qualifying transactions. The email stated : Get a {$50.00} cash bonus. Well reward you with a {$50.00} cash bonus1. Heres how : 1.Between now and XX/XX/2019, open a Statement Savings account with a minimum of {$1000.00} in new money 2.  Maintain at least {$1000.00} in the account for 120 days, and you'll receive a {$50.00} bonus. On XX/XX/XXXX I applied for such account using the promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been opened and that the {$1000.00} opening deposit from my external bank has been completed. The deposit posted on XX/XX/XXXX, I waited 120 days as the terms of the promotion stated but my {$50.00} bonus never was credited to my account so contacted BMO Harris Bank on XX/XX/XXXX through their websites secure message and the next day rep. XXXX replied my message and confirmed that I had met the requirements, however he said that he needed to escalate the bonus inquire but first I needed to call customer service and provide an statement of my external account I wasnt sure what he meant by escalate the bonus inquire so I replied back saying that that providing an statement of my external account was not mention anywhere on the terms and conditions of the promo but never received a reply. This is really frustrating because they lure you into opening accounts offering bonuses and then give you the run around when is time to pay, even though I meet the requirements.
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

XX/XX/XXXX I submitted information to SPS ( Select Portfolio Servicing ) that my property had over paid XXXX XXXX XXXX for the following years : XXXX {$960.00}, XXXX - XXXX, & XXXX - XXXX. 

I requested that they send me a letter stating the following so that I could submit to the XXXX XXXX XXXX office for a refund. 

Please provide a complete copy of all XXXX XXXX History on my account. XXXX XXXX has overcharged my property because the XXXX XXXX deduction was not applied. 

Because ( SPS ) my mortgage company paid my taxes, the XXXX and XXXX XXXX Collector is requesting verification of payments. The letter must be on your letterhead and contain the following information : The letter must be on your letterhead and contain the following information : Homeowners Name : Property Address, Property Tax Account Number, Mortgage Company Account, Amount of XXXX XXXX Taxes Paid Year : XXXX, XXXX, and XXXX Physical Mailing Address of ( SPS ) Mortgage Company : ________ I contacted ( SPS ) XX/XX/XXXX, and they said they never received an over payment check for my escrow account. They requested I contact XXXX Taxes to request the USPS tracking number. On XX/XX/XXXX I contacted ( SPS ) provided them the XXXX XXXX Check #, the Amount {$2800.00}, again, and the USPS Tracking number. Once I provided this information, on Friday, XX/XX/XXXX, ( SPS ) said they had received the check, but XXXX XXXX Tax office did not include what account it should be applied to. Therefore, they were sending a letter to XXXX XXXX requesting additional information. I could not understand their rationale because I had provided ( SPS ) all the information pertaining to my mortgage account and that the refund amount that was coming. So, I contacted XXXX XXXX Tax office and they informed me that the check had all the proper attachments and apparently the ( SPS ) separated the information upon receiving it.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

In a letter dated XXXX XXXX, XXXX, a Debt Collector by the name of NRA Group , LLC, stated that XXXX SCRIPTS, has indicated a delinquent debt of {$250.00} that is owed to them. EXPRESS SCRIPTS is the pharmacy provider for my employer 's private insurance provided through XXXX XXXX XXXX XXXX XXXX. The only phone number provided for XXXX XXXX was XXXX in which to make a payment. I contacted our XXXX XXXX XXXX XXXX XXXX XXXX, a service provided by my employer to assist with benefit resources. 

They were able to determine that the actual pharmacy involved was XXXX, a specialty pharmacy that is a subsidiary of XXXX SCRIPTS. XXXX was able to contact them and arranged a conference call with XXXX on XXXX/XXXX/XXXX. We spoke with XXXX of XXXX and asked for the date, medicine, and individual that this was prescribed for. XXXX indicated that this was a medicine that they had filled for my XXXX year old daughter, XXXX. 

I specifically told XXXX that we never were told by XXXX when they arranged the shipment to XXXX 's doctor that there would be a {$250.00} co-pay, they never sent us a bill, either XXXX nor XXXX SCRIPTS, and when asked, XXXX stated XXXX, you 're the primary insurance holder. '' I told her the debt was not mine and they should 've sent a bill. XXXX stated that it was probably sent to the doctor 's office. 

XXXX is supposed to send a bill but stated it XXXX take up to XXXX weeks before I will see it so that this can be submitted to my daughter 's secondary insurance ( which they never asked for XXXX. 

Complicating this issue is the fact that XXXX stated that this was for a Lupaneta XXXX, which was never prescribed by the doctor. In fact, XXXX attempted to send that out but we stated that it was never prescribed and contacted the doctor 's office to ensure that this had not been ordered by their office. The only medicine prescribed was a XXXX single pack.
Consumer complaint received 2021-08-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I was in forbearance due to COVID-19 with MyLoanCare for my mortgage and anticipated exiting in XX/XX/2020. I set up a payment arrangement for my payment plan to get caught up and made a {$2000.00} payment at that time. I was told that I would receive a packet in the mail that needed to be signed. I never received a pack but called and made another payment manually. They said they would send out another packet to enter the plan. Again, I never received the packet. Since then I have called and e-mailed multiple times about my plan and have tried to make a payment, but have been unsuccessful. I finally received a letter today saying that they were going to start foreclosure proceedings. I called and was able to speak to a representative, however, they have no record of my repayment plan or payments and said that they reported me to the credit agencies ( the agent was " XXXX '' # XXXX XXXX. I am fully prepared to pay a large portion of what I owe. I just need to be able to make a payment! Please help!
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$100.00} ACCOUNT # - # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$750.00} ACCOUNT # - # # # # # # 1929, both of these creditors has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (AZ)

on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, Experian and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC  complaint attached to my file. That have all the inquiries and negative accounts listed
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

For 11 months now, I have been trying to get Comenity Bank to remove a payment block on my bank account so that I can make online payments for three of my Comenity credit cards ( XXXX XXXX, XXXX XXXX and XXXX ). On XXXX XXXX, 2016, my online payment for my XXXX XXXX credit card was returned because of a state tax lien. It was listed as a No Fault returned payment and no fee was charged. The tax lien was resolved, and my bank account was quickly restored and is in good standing. However, Comenity Bank continues to have a block on my bank account, so that I am unable to make payments online for my XXXX XXXX, XXXX XXXX and my XXXX credit cards with Comenity, even though online payments were not returned for the XXXX XXXX or the XXXX account. I have tried to resolve the problem with Comenity for almost a year now, and have followed their customer service reps and supervisors ' advice to pay by check from the same bank account ( which was supposed to resolve the problem once their system cleared the check from the bank account ), to removing my online profile and re-entering it, to calling the Federal Reserve ( the most idiotic suggestion yet, but I did it ). It would n't be such a problem if it were n't for the fact that paying by check makes it difficult to gauge the timing of when the payment will hit my bank account, and Comenity charges a {$9.00} fee to pay by phone. For the past several months, I have been able to get the {$9.00} fee waived in making payments. However, I have had some late payment fees that I would not have incurred had I been able to pay using my bank account online. Moreover, Comenity has accepted my monthly payments by phone, using the debit card associated with the same bank account that is blocked online. There should not be a block on a valid bank account that Comenity continues to accept payments from by check and by debit card. The block on my bank account is punitive ( I have n't had this problem with other creditors that were affected by the tax lien ) ; I also believe it is an attempt by the credit card company to exact extra fees and a failure on their part to address flaws in their credit card payment system.
Consumer complaint received 2019-11-08
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : US BKPT CT NJ XXXX Liability : {$0.00} Exempt Amount : {$0.00}
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Funding LLC is negatively reporting to the three major credit bureaus collection information about me. Midland Funding LLC was sent a Notarized Cease & Desist from me that they are not my original creditor and that I do not wish to work with them. I had  also sent them a validation of debt letter which was ignored. I want the negative reporting they are reporting to XXXX, XXXX, and XXXX  removed as they are damaging my credit profile.
Consumer complaint received 2019-11-08
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On our XX/XX/XXXX Bank of America mortgage statement, the fixed principal balance is {$190000.00} Original BofA balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXXXXXX transferred/sold the account back to Bank of America BofA has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with Bank of America Office of the President, CFPB and all three Credit Bureau with no success.

Errors include, but not limited to : Bank of America ( website/statement ) Opened XX/XX/XXXX Original balance XXXX  Current Balance XXXX  Current interest rate XXXX  Transferred to XXXX XX/XX/XXXX XXXX Credit Report Bank of America- Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit XXXX  Months reviewed 99 Balloon payment {$180000.00} Bank of America -closed Date open XX/XX/XXXX Date closed XX/XX/XXXXBalance {$0.00} High credit XX/XX/XXXX Months reviewed 12 Date ReportedXX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX  ( Closed ) Date opened " XX/XX/XXXXDate Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report Bank of America ( Open ) Date opened XX/XX/XXXX Date of updatedXX/XX/XXXX Balance XXXX  High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXXXXXX XXXX- ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XX/XX/XXXXMonths reviewed 13 Date reportedXX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXXBalance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXXwell as a spreadsheet ( data from credit reports and Bofa bank statements ) which will highlight errors.

I would appreciate any assistance you my give me. My email address is XXXX  or I may be reached by phone at XX/XX/XXXX feel free to leave message.

Thank you XX/XX/XXXX Attachments
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (AL)

Cease and Desist have been sent to ARstrat. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. ARstrat is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NE)

Hello, my name is XXXX XXXX and this will be my 3rd attempt trying to pull my credit report and my credit file from Equifax on XXXX. I have uploaded the last screenshot of my attempt. I have been reaching out to Equifax. I recently sent over an identity theft report as well have been trying to pull my credit report and they have yet to respond. They say reach out to them at the address but they are not responding to anything at this address within the 30 day time frame. I am reaching to get assistance for my credit report and credit file.