davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC (NV)

We were selling property in XXXX, NV in XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXX XXXX to have the tax payment stopped as the payment would be handled through closing. The loan closed on XX/XX/XXXX with the taxes paid through the title company. On XX/XX/XXXX I received a  letter from XXXXXXXX XXXX stating that the tax amount of {$280.00} was disbursed from the escrow account on XX/XX/XXXX and they could not stop the check. Receipt of this letter was after the loan had closed. This resulted in a duplicate payment of the taxes. I was assured that they would receive the funds back when the tax office refunded the money. On XX/XX/XXXXI contacted XXXXXXXX XXXX XXXX XXXX and they told me that had not received the refund and referred me to Corelogic Inc. as the  refund would go to them first as they make the bulk payments for XXXXXXXX XXXX. I called Corelogic Inc. and was told that they had not received the refund from the tax office. I called the tax office and was informed that the refund had not been sent and could take up to 6 weeks. 

OnXX/XX/XXXX, I followed up with XXXXXXXX XXXX and Corelogic and was informed that they had not yet received the refund. I went to the tax office that day and they told me that the refund was going out that day. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX again and again was referred to Corelogic. I spoke with XXXX who told me that the tax office sent the refund to the wrong company which made no sense to me because the tax office told me it would go back to Corelogic. Corelogic told me that the refund went to XXXXXXXX XXXX and they had contacted XXXXXXXX XXXX onXX/XX/XXXX to get them to send the money back but was uncertain how long it would take. I contacted the tax office for verification and the tax office told me that the refund was sent back to Corelogic Refund Department on XX/XX/XXXX. 

My opinion is that Corelogic sent the refund to the wrong Company and they are trying to cover their tracks. I has been over 4 months since this property closed and I am no closer to getting this refund than I was at closing. This is obviously the mistake of Corelogic Inc.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NV)

AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX. 

On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment. 

I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed. 

I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund. 

I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.

I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.
Consumer complaint received 2018-06-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (VA)

With PNC Bank, I opened Virtual Wallet with Performance Select accounts on XX/XX/XXXX based on an offer I received in the mail and online after entering my zip code that if I opened online through the link and setup direct deposits of {$5000.00} within 60 days I'd get {$500.00} within 60-90 days ( see attachment 1 ). I met all the qualifications on XX/XX/XXXX ( see attachment 2 ) so should have received the {$500.00} bonus by XX/XX/XXXX at the latest but didn't. I followed up with PNC but they said I didn't meet the offer terms because I wasn't targeted, which is false because I received the offer in the mail, and also qualified online after entering my zip code and applying through the proper link. PNC also had a {$300.00} nationwide offer ( see attachment 3 ) that didn't require any targeting ( even though I was targeted for the higher {$500.00} offer through a mailer and through website qualification with my zip code ) that PNC also hasn't even given me. Clearly false advertising, consumer fraud, and unethical behavior from PNC.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-15
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. (CA)

My student loans have been dismissed due to XXXX XXXX  XXXX   XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/20, I went to the drive thru for BBVA Compass Bank in XXXX XXXX, CO. I asked for a copy of my checking account statement, but the teller and the branch manager refused. The falsely stated that their system was down and that it could not be rebooted because it was a nationwide outage. After checking in the internet I found no such outages nationwide for BBVA Compass Bank. There is a order in place in this state for banks to remain closed due to COVID-19. So I was not able to go inside the bank to request this information. This is the second time that this bank has refused to provide me with a copy of my bank statement during the pandemic. It is always with the same excuse that their machines are either slow or down. I believe they are stealing my stimulus money, or other XXXX funds from my account and are trying to cover up the fact by not allowing me to see my statement. They have also been unlawfully sharing my personal bank information with other persons ( XXXX females ) without my consent.
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (FL)

( 103 true Identity theft ) 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 Please block this information from report Experian Report Number : Transunion file Number : XXXX Equifax CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX Account number : XXXXXX/XX/XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXX/XX/XXXX{$670.00} Acoount name : XXXX XXXX XXXX Account Number : XXXX also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (LA)

A factoring company called XXXX was supposed to send a payment to me in the form of a check for {$2000.00}. I asked them before beforehand to send a check because I had to close my bank account. They told me they would mail the check to me, but they did not. The company sent the payment to the closed account using ACH from Wells Fargo when they told me they were going to send a check. I contacted Well Fargo an they stated the company that sent the money would have to request the trace because I was not their customer, they could not help me. I feel like they are trying to defraud me. I contacted the bank XXXX XXXX that the closed account was sent to. They stated the account was indeed closed so they rejected the payment as it could not be posted to a closed account, that payment was sent back to originator. They told me to contact Wells Fargo. I have contacted XXXX, XXXX XXXX and Wells Fargo multiple times with no resolution. The vendor is not being helpful tracing the funds. I feel like they are just trying to keep my payment. It should not be this difficult for an average hard working American to trace and collect a payment that is due to them. Please help.
Consumer complaint received 2020-04-29
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: HW Holding, Inc (NY)

I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.
Consumer complaint received 2018-06-16
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: Bread Financial Holdings, Inc. (NY)

I'm contacting your company again because I just checked my credit report and now XXXX is also displaying fraudulent account balances to lower my credit score. XXXX   is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX which these accounts are fraud and I want them removed from my credit report at one.
Consumer complaint received 2018-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate of Complaint number : XXXX as the date ( s ) of occurrence ate different occurring between XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX to present as in complaint XXXX. 
Product : Mortgage Issue : Improper use of your report Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports for unlawful purposes after foreclosure processes had been initiated. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/XXXX and XX/XX/XXXX. 
What would be a fair resolution to this issue? 
Credit report corrections and other related updates, changes and correction such as new identification numbers as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture identification, new social security number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (MI)

I recently lost my wallet this spring with all of my personal information included. This debt collection appeared on my credit in XXXX, but was opened in XXXX. The address of where the collection is from is XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Phone # is XXXX. When I looked up this address, it did not match the one listed here. I have never been in Missouri and none of the information is mine.
Consumer complaint received 2018-02-07
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. (CO)

XXXX XXXX/XXXX XXXX XXXXXXXX is reporting that I have filed bankruptcy and defaulted on a credit card with them in XX/XX/XXXX, Experian is reporting this information. They are also stating that the account was closed in XX/XX/XXXX. This information is incorrect and harmful to my credit. I filed chapter XXXX bankruptcy in XX/XX/XXXX,  this creditor was included in the filing and all was discharged in XX/XX/XXXX.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I opened the saving account for the {$25.00} bonus. I was supposed to received the {$25.00} bonus after 3 consecutive auto transfers from checking to savings. I notice on XX/XX/2019 that automatic transfer was cancelled for not enough funds into my checking 's account. Therefore, I put enough funds in my account on XX/XX/2019 requested that the executive team reactivate my automatic transfer for the month of XXXX. Although Ms. XXXX reached out to me from the executive office, she failed to try to resolve my concerns ( case # XXXX ).
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA (CA)

My monthly bill is due on the XXXX of each month with a 10 day grace period. For the last 10 months I have received harassing phone calls that are placed within the 10 day grace period asking me to pay my bill. Last week on XX/XX/XXXX and XX/XX/XXXX I received two harassing calls from Kia Motors Finance Company. All the while the payment was made on the XXXX and received on the XXXX. I asked them to stop harassing me and told them I will file a complaint. In retaliation my credit score dropped 68 points. 
Prior to this situation Kia Motors during the fall of XXXX Finance Company took {$1400.00} out of my account that was not authorized and I had to have XXXX  XXXX XXXX return {$710.00} or so back to my account. This caused financial hardship for 6 months.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law offices of Steven Cohen LLC (NY)

Mr. XXXX forwarded an expired judgement that is not mine, and has told me he will take legal action, I responded with that I take legal action, and he has forwarded a letter stating " I will report you to the appropriate authorities '' " I will be reporting it to the police '', I am very scared, I don't want to be arrested for something that is not mine, nor for defending myself, I don't want this lawyer to call the police make something up and I am in jail! I have the letter stating all of this.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXXXXXX company for {$800.00} from XX/XX/XXXX. The debt collector is XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

XXXX XXXX XXXXXXXX sold a debt that was paid off. The duplicate account, now owned by I C System Inc ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to XXXXXXXX XXXX XXXXXXXX, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a complaint XX/XX/20 regarding Trans Union. I still have not received my credit report. I attempted to request on line but the system rejected my response after submitting the numeric portion of my address. I could not complete the request.
Consumer complaint received 2022-09-11
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX  and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District  of Illinois does not provide data to 3 party companies/vendor