davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Violation of the US Constitution 's Fifth and Fourteenth Amendment : I was not aware of any legal action against me from Capital One Bank prior to a shortage in pay on XX/XX/2019. After noticing my paycheck was minus several hundred dollars, I contacted my employer 's Human Resources Representative to see if they forgot to include my overtime pay. The Representative contacted payroll and then informed me of a GARNISHMENT they had received. I asked for an email copy of all records they had regarding this matter, went online to AZ Public Court Records, and then contacted the Superior/XXXX Justice Court to inquiry how this was possible. On XX/XX/2019, I called the Clerk of Courts and told them I had never been notified ( Served ) a summons, and wasn't aware of any legal action pending against me. The Clerk told me the Process Server 's ( XXXX XXXX ) told the court that I wouldn't open the door for him when he knocked, so Judge XXXX XXXX amended the the summons to where the process server could simply leave it on the door. I work nights and try to sleep during the day time with as much white-noise as possible. I do not get out of bed every time someone knocks on my door as this would be equivalent to someone working day shift being disturbed in the middle of the night ; from it being solicitors selling windshield replacements, newspapers, tamales, etc. The Clerk went on to say that she spoke with me directly about the pending court hearing and that I told her I needed to get back with her after checking some information. This NEVER happened! I go to the court once a month to pay a fine to the Clerk of XXXX Magistrate Court, a different Clerk in the same office. She went on to say that Judge XXXX XXXX then entered a Default Judgement against me because I never got back into contact with the Clerk after this bogus discussion. ARIZONA CASE NUMBER : XXXX
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Analysts of MN, Inc. (ME)

i have had a collection agency, " XXXX XXXX XXXX '', who has misrepresented my debt. Originally the three debts appeared as roughly {$800.00}, {$900.00}, and {$600.00}, but now they have combined the three into one for {$2400.00}, yet left the three uncombined on my report as well. This is illegal and i demand all be removed.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Transunion )XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXX  # XXXX ( XXXX ), as well as 2. DEPT OF EDUCATIONXXXX  # Installment XXXX XXXX : 3. US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX 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 an account without my written instructions
Consumer complaint received 2022-09-06
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: CL Holdings LLC (IN)

In accordance with the fair credit Reporting act XXXX Jefferson capital SY has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

This creditor is falsely reporting an account on my credit report that does not belong to me I have notified the creditor of the situation but the creditor has deleted the account and re-post the account as if it is a new account. The creditor is constantly doing this every year. This is not my acct and never has been.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My issue pertains to a recent interest charge from Captial One. As of XX/XX/, the balance on my account was for {$510.00}. This amount, which included interest on that amount of {$11.00}, was paid in full on the payment due date ofXX/XX/2019. My credit card balance was {$0.00} until this morning, XX/XX/, when I checked my account on my phone and saw that I had been charged another interest charge of {$11.00}. The only description on Captial One 's app of the interest charge was for " purchases made on XX/XX/2019'', of which there were none and, as of the writing of this complaint, remains as such. I called Capital One for an explanation and all the representative told me was that this interest charge " was for previous account balances from XXXX and XXXX ''. Obviously, this explanation was not satisfactory and I'm quite dumbfounded as to how I can be retroactively charged interest on a balance that was already paid in full, and which I was lead to believe, according to their billing statements, included any and all interest charges accrued. I will not allow Capital One to hoodwink me into paying interest charges that they know are completely and utterly fraudulent.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, Transunion, XXXX  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Great day to whomever is reading this ... .. 
I am sorry I have to ask to be protected by law but it seems I have no choice, can you help? I would like to request the Laws to be enforced on my " Borrowers Right to Cancel '' and the Law Regulation X. this final rule implements Dodd-Frank Act sections addressing servicers ' obligations to correct errors asserted by mortgage loan borrowers ; to provide certain information requested by such borrowers ; and to provide 1 Public Law 111-203, 124 Stat. 1376 ( XX/XX/XXXX ). protections to such borrowers in connection with force-placed insurance. The lender manages my taxes, and insurance in escrow and it shows in the lenders escrow that they paid for the regular billed insurance and then forced placed others at the same time I had insurance, so I had insurance paid by lender when the forced placed insurance fraud and the refunds were never refunded in my escrow. I have all org. copies of evidence to show that the mortgage added XXXX from XX/XX/XXXX to XX/XX/XXXX and I paid for XX/XX/XXXX insurance that the mortgage is charging me on their paper work the lender is suing me and will not show clear and understandable cost and refunds of the forced placed insurance from total breakdown of cost. Plus the evidence the lender is using was the cancellation of that contract and the lender is with holding evidence from the fax cover sheet that had the cancellation on it. The evidence is easy to get from a third party called XXXX and the info on the issue was faxed on XX/XX/XXXX and the fax cover shows the cancellation and the mod. agreement attached just as the law states. So my request is to have these laws enforced before trail. I am sorry I have to ask for this request but I you can see I had no choice. Just asking for XXXX things from the lender, show in writing that anyone can understand on dates, policy numbers, and cost, and the total paper work on how the lender got possession of the XX/XX/XXXX mod agreement meaning the fax cover sheet with withheld evidence. Thank you so much XXXX XXXX
Consumer complaint received 2023-08-08
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-06
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. (TX)

Experian you stated I need to contact my attorney general to get laws well open your wallet now Experian you have committed fraud I NEVER GAVE YOU OR XXXX XXXX  permission to verify anything READ THE LAWS ENCLOSED I an the original creditor and have full authority over any account READ THE LAW 15U.S.C.1602 { l } Also XXXX XXXX committed fraud by releasing any information with out my written permission 15U.S.c.1692 { b } I Never gave any, AGAIN REMOVE THE ACCOUNTS FROM XXXX XXXX AT ONCE FROM MY CREDIT REPORT
Consumer complaint received 2021-01-26
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. (GA)

For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.
Consumer complaint received 2016-09-26
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union had what they called a XXXX program ; they give you {$50.00} to start a savings acct if you are sponsored by a present member and an additional {$50.00} dollars for every one you sponsor up {$250.00}. My daughter was sponsored by a member that is a veteran ; my daughter in turn sponsored me because the rule was you could sponsor immediate family members ( verified this several times thru NFC customer service dept ). My acct was created successfully. I was able to login online and see the acct and change my password successfully. I then went on to try and sponsor other family members ; but when I tried to sponsor a family member to go thru the sponsorship process they were blocked and told by reps of NFC that my acct was not verified. I went back online and was not allowed to login to my acct.. I called Navy federal and ask why I could no longer login and after much questioning and asking for an supervisor I was told that the reason my acct was now not verified is because my daughters acct had not been verified. I contacted my daughter about it and when she contacted them she was told that her sponsors acct ( the veteran member ) had been flagged because another person the original sponsor of my daughter sponsored was a XXXX male and he sounded like a woman over the phone so they flagged him and every one associated with his sponsor. That just does n't seem right to me that you flag a person acct because they sound like a woman. I 've had numerous occasions over the phone that a woman sounds like a man and vise versa. But because of the way someones voice sounds you make a judgement call and not only flag their acct but everyone 's acct that maybe remotely connected to it ; especially after my acct was already setup. It just seems to be yet another fraudulent practice by a financial organization that I want to put out in the open and find out is this is a legitimate procedure to give a person an acct then disable it because of something like this. That 's my complaint. Just want to know if this is illegal or a fair practice.
Consumer complaint received 2015-08-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I have been fighting to get a fair and equitable modification for XXXX years. My original loan was fraudulently put into an ARM. My signatures were forged. I was a victim of the subprime mess. My mortgage was sold to XXXX, Litton Loan, Ocwen Loan and at some point had connections to XXXX XXXX and XXXX. I in the past I have filed bankruptcy to protect and save my home. Only to have attorneys who did not file the proper paperwork to strip the lien of the XXXX mortgage. The mortage was discharge but Ocwen is saying I still owe it. I was approved for a modification through Litton Loan that Ocwen did not recognize. I had to pay trial payments XXXX different times, citing I did not send in all paper work. When I did. Ocwen back dated dates and threatened to take my home. I have all the documents and proof that I was a victim of consumer mortgage fraud. I have been and still am being victimized by Ocwen. All I want is my principle reduced to market value, recognition that I do n't owe a XXXX mortgage and credit for all payments I have made including all trial payment that was never credited. I want the government to look into my case. I started this process before the CFPB was instituted I sent documents to the Federal Trade Comission.
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (NC)

I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint against XXXX, XXXX, Transunion because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NC)

I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX 2014 living with my grand farther in XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX 2014. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ 0High Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
Consumer complaint received 2019-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Continental Services Group, Inc. d/b/a ConServe (AZ)

In XXXX of 2017 I began attending XXXX XXXX XXXX University 's XXXX XXXX program. I was recommended by the school and my peers to pull out the max amount of loans, because I was attending a XXXX program and did not have time to get a job and support my means of living. Within a few weeks of attending school, family emergency 's came about, causing me to dropout of school. Since than I have had very little luck finding a job, let alone a good-paying and full-time career. I was under the impression when I was pulling out the student loans that it was to be handled via Dept of Education, just as my previous student loans were handled from my XXXX program at University XXXXXXXX XXXX. I contacted XXXX XXXX XXXX multiple times to try and settle this issue and devise a deferment plan until I got back on my feet financially and had a job, but they insisted I repay the entire amount or I would be sent to collections.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (IL)

My company had several business checking accounts with BMO Harris from XXXX - XX/XX/XXXX. We switched to another bank due to better interest rates. 

My accountant noticed in XX/XX/XXXX that one of our BMO checking accounts cleared the same check number XXXX twice for two different amounts in XX/XX/XXXX. The check in the amount of {$1800.00} was issued by our company. However, the check for {$5000.00} was not ours. I immediately went down to my old branch and spoke with branch manager XXXX XXXX XXXX. She pulled both check images and immediately recognized that the {$5000.00} check was a fraudulant check. It did not look like our other checks, our business name was spelled wrong, it was signed and made payable by names not associated with our business at all. She admitted that it was indeed a bank error, that we should've been notified at the time of the duplicate check number. She said to get a police report and come back and fill out a fraud affidavit, which I did. She said the money will be put back in my old account within 30 days. I called her 5 weeks later and she said she'd call me back. She called me back and said her request was denied because I did not file a complaint within 90 days. She also said that she would not be able to get decision over turned because I was no longer a customer. I asked for her boss ' info. I then spoke with XXXX XXXX XXXX XXXX XXXX who also admitted that this was clearly a bank error and that he would contact his superiors for a refund. I called him 10 days later and he said he had bad news. Because I did not report the fraud within 30 days that I was responsible for the fraud. He said the same thing as XXXX that because I was no longer a customer he would not be able to get the decision over turned. I asked for his boss ' info. He said he would email to me but never did. I have never had any fraud issues with BMO in the 8 years I was with them. This was the first and only issue.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXXXXXX XXXX  {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point