davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

I signed a contract that my monthly mortgage including taxes will increase from {$1600.00} per month to {$2500.00} per month for 30 years. Quicken loans is using predatory lending practices. They agreed it was their error..stated to that from their error. I would not have purchased my home for this amount. I 'm retiredd and I am on a fixed income. Quicken loans escrow representative name is XXXX XXXX.His number is XXXX. He said the XXXX XXXX is also at fault. The XXXX XXXX is XXXX in XXXX. Quicken loans representative told me to move.I just purchased this home 5 months ago. XXXX XXXX, XXXX, was my settlement date.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 -XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

The way this bank clears transactions is extremely shady. Although all my transactions are posted on my ledger, the account balance is not accurate. On Monday XX/XX/2017, my account balance kept jumping from {$98.00} to {$140.00} and back down to {$98.00}. I 've mentioned to them in the past that their banking practices are dishonest and sometimes lead to me over drafting but they told me they can not control this, which is odd to me. On the day in question, they are having technical issues with their phones so I can not call. I reached out on XXXX and they did not address my issue with my account balance.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I purchased XXXX BTC From coinbase.org on XX/XX/XXXX. I went to check my account on XX/XX/XXXX and because I no longer have access to the cell phone number I originally signed up with, I cant access my account. 

I reached out to their support and they have not come back with a response. Last response received was XX/XX/XXXX Hi there, Thanks for contacting us on this, Im sorry for the account setup difficulty! Our ID verification partner may be having some difficulty verifying the information on your account. Ive reached out to them for help with a resolution on this issue. 

Ill get back to you as soon as I have an update. If everything checks out your account will be ready to go. Thanks for your patience in the meantime! 

I followed up at least 3 times since then but have not received a response. 

Please help!
Consumer complaint received 2022-09-09
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (PA)

I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with Citi and then XXXX XXXX bought the debt. They sued me through XXXX XXXX. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to XXXX XXXX and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. XXXX XXXX said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022 I sent Capital One a Notice of Rescission letter.In response, Capital One then sent me a letter in the mail acknowledging my account being in a cease and desist status and stated they will not communicate with me in regards to any debt collection. Yet Capital One has still been sending monthly statements in attempt to collect a debt in the amount of {$16000.00}. This has caused me financial injury and suffering and i am demanding monetary compensation immediately for violation of my consumer rights.
Consumer complaint received 2019-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (IL)

Hello, I have had trouble with my mortgage company. I am in a trial payment plan, that should have ended. I have made payments on time, but yet Amerihome has not granted and the payment plan on a permanent basis. They are also reporting this account late on my credit. When I asked about the modification, I was told that they have just taken over XXXX accounts from XXXX. That has nothing to do with me. I want my modification permanent that has been long overdue
Consumer complaint received 2021-08-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SL Finance LLC (MN)

On XX/XX/2021 a " XXXX XXXX '' from " SL Finance '' called and used manipulation to hack into my Federal Student Aid Account and gain access to my Federal Loan information. They then had me sign a fake contract requesting XXXX payment for 5 months to assist with my loan repayment. They also filed a Forbearance Request under my name. They gained access to all of my personal information including social security number, address, and contact information. They stated they were from the Department of Education and a government entity.
Consumer complaint received 2019-10-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

On XX/XX/2019 I contacted Deville Asset regarding a collection account asking them to validate the account they are trying to collect for specifically requesting they send me the Calculation of Surplus or Deficiency. Deville did reply by sending the contract but did not send me the calculation of surplus or deficiency showing a breakdown of how they came to the amount they say is owed. After researching I found out they were suppose to include all this information in their reply within the 14 day time frame per federal UCC laws.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, Transunion, and XXXX credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, TransUnion and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel Transunion, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXX XXXXXXXX sold account number XXXX to XXXX XXXX as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXX XXXXXXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXXXXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I have had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (IN)

I was receiving unemployment through the Eppicard bc I didnt have a bank acct. I had {$470.00} on the card once my unemployment ended. The money stayed on the card and then unemployment announced they were no longer using eppi card and switching to Way2Go card services. So we either had to have our balances switched ( if still receiving unemployment ) since I want still receiving unemployment they told me to call to request a check be sent out of remaining balance. Which I did in XX/XX/2020. They were supposed to have sent it out by XX/XX/2020 I still hadnt received check so I reached back out. They said oh well resend never received again. So again I called and they said oh well its probably in unclaimed property. Called that office and theres nothing there. Again I called and no one seems to be able to help. They can see my balance but cant send a check. Ive had them send messages to supervisors talked to everyone and cant access my own money. I need help getting my funds to me and being able to use them
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (FL)

Branch Banking and Trust aka BBT has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. BBT admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked XXXX   to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. XXXX   also needs to be in trouble for not investigating what BBT are doing here. BBT reports false info on your credit file BEWARE!!!!!!
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (FL)

In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXXunder affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XX/XX/XXXXXXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

A couple of weeks ago I discovered my credit report in XXXX showed an unpaid balance of {$250.00} due to a company called XXXX XXXX XXXX. I do not recall ever using or seeking treatment for a sleeping disorder, nor do I recognize the name of the company, so I disputed the charge and asked XXXX to investigate. 

Today, XXXX came back stating they had investigated the account and it had been " verified as accurate ''. They also informed the account is now in the hands of a collections agency called Merchants & Professional Collection Bureau Inc., and has been given an account number XXXX. XXXX 's report shows the original charge or invoice date to be XX/XX/XXXX, and shows it past due as of XX/XX/XXXX. 

Simple online research showed both companies share the same address : XXXX XXXX XXXX, XXXX, Texas XXXX. I reached out to XXXX XXXX XXXX asking for documentation or proof that I incurred in such a charge. They have yet to replied.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

Someone opened an account with TD Bank in my name. I did not initiate the opening of an account ever with TD Bank. I have reached out to TD bank several times now and was told it was taken care of and it has not. 

I have now received a debit card, overdraft fees on an account that is fraudulent and been going in loops with the bank yet again today.
Consumer complaint received 2019-10-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have disputed and requested 5-TIMES that my address be corrected. It is still incorrect!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-03-11
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. (MO)

On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( Equifax ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. 

Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX and the attorney generals office as well as but not limited to other legal actions available to me.
Consumer complaint received 2018-01-15
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. (TN)

XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and Bank of America 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through Bank of America, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.