davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (TX)

I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

LoanCare deleted the escrow account by my request on XX/XX/2021. However, LoanCare did not refund the balance of that account. Additionally, LoanCare didn't recompute the new monthly payment without the escrow contribution, so my monthly statement still shows the old payment amount. 

I have attempted to resolve this issue with LoanCare in writing twice by sending Error Resolution Notice under 12 C.F.R. 1024.35. LoanCare ignored both attempts by simply directing me to call them. LoanCare doesn't maintain live agents at their call centers, as I have not been able to reach one in the last three weeks. 

I kindly request your mediation in obtaining the refund of my escrow balance and recomputing my monthly payment.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

I/we bought a home which was financed through US BANK XX/XX/XXXX as a 30 year mortgage through the American Dream Down payment program. Over the years, payments were made to US BANK and often placed in a " suspense account '' which I/we weren't aware of. I/we were making many payments which they accepted, and failed to apply toward the mortgage loan. As a result, not only did they have the funds in their hands, I/we received no credit for it and therefore were forced to pay late payments and damaged credit. For the last couple of years, I/we attempted to make extra principle payments and found out that they too went to a suspense account which I/we knew nothing about. As a result, I/we attempted to remove the escrow ( which I was told multiple times could be done since there is quite a bit more than 20 % equity in our home, only to find out we had been misinformed multiple times. They are now saying that because this is an " American Dream '' loan, It can not ever be removed from escrow. This was in complete contrast to what was being told throughout this process. My regular mortgage payment is only {$500.00} and is now going to about {$1000.00} which is unaffordable. The way this mortgage has been handled ( whether is legal or not ) has been very costly with SEEMINGLY late payments and fees and they have offered no relief. I offered to prepay my taxes ( which the county allows ) and pay my mortgage premium in full for the year and was informed that if that even if that was done, they would still require that I/we pay the XXXX dollar a month. Refinancing would probably be a problem since payments " appear '' to be late. If they weren't going to apply the payments to the loan they should have been returned not held for the benefit of the bank. All I'm asking is to be allowed to pay my own taxes and insurance so that my money can work for me and not US Bank. This bank claims that they waived a couple of late fees which they should have done because THEY posted a payment to their " suspense '' account which was clearly a mortgage payment and caused a domino effect. After proving it, they went back and made adjustments ( still affecting my payment history ). This is an attempt to do some damage control and get my mortgage under control. There is no risk to this loan by allowing me to pay my own taxes and insurance. That's all I'm asking as it would be a great relief. A look at the history of payments that went to their " suspense account '' would tell a lot. I/we also requested a history of the payments that were processed since this loan began and got one only since XX/XX/XXXX. I will request another one from the beginning of the loan. Any assistance will be greatly appreciated. Thank You!
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I use Bank of America for my conventional mortgage, and have automatic payments set for principal + interest on the 1st of every month. 

For the second time this calendar year, I have attempted to make an extra PRINCIPAL-ONLY payment to pay down my mortgage faster, only to discover that Bank of America misapplied the extra payment to the next regular payment, 1 month too early.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my credit reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-09-14
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. (CA)

I'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Consumer complaint received 2015-06-26
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XXXX XXXX I made a payment to Bank of America from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The BOA account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by BOA they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Bank of America to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with BOA so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Bank of America has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Bank of America has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from BOA I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of BOA could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This is in regards to my complaint sent on XX/XX/2021 on PayPal. Not only has an unauthorized charge on my account by someone in XXXX ( I've never been to, nor do I know anyone in XXXX mind you ) been allowed by PayPal, they have retaliated by limiting my account usage. I have tried twice to dispute the UNAUTHORIZED charge but they have denied me both times. I will attach screenshots. Now, to my knowledge this is the CFPB 's main function- keeping big bad consumers from violating the rights of consumers. 

Paypal states ( on the screenshot ) that the limitations are a result of questionable activity on my account. If they had used some common sense and put limitations on the transaction going to XXXX, we would not be involved in this dispute right now. Additionally, why would a transaction to XXXX not be considered questionable? There are no transactions to XXXX or anywhere else internationally on my account EVER! As one can easily see, this is willful malice on Paypal 's part. 

I am counting on the CFPB to con duct a thorough research into this as this is not the first time Paypal has acted with malice to me. The only reason I still do business with them is because there's a client or two who comes along that I am unable to convince to use another form of payment ( due to Paypal 's protection program ). And on that note why does the protection program not apply to me? 

Is it because Paypal does not count this as unauthorized transaction? An unauthorized dispute means that an account has been hacked and used without their consent. My account was hacked by an individual in XXXX and the individual used my account without my consent. Why is it that my funds are not being restored to me? Maybe it's retaliation. Maybe it's discrimination. Maybe it's laziness. Whatever it is, it is also a violation of my rights as again this charge is not authoirized by the account owner, who is myself.
Consumer complaint received 2021-07-16
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

2. Identity Theft CITIBANKNA Account Number : XXXX This is not mine.

3. Identity Theft CITIBANKNA Account Number : XXXX  This is not mine.

4. Identity Theft THD/CBNA Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is not mine.
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valley Credit Service, Inc. (OR) (OR)

This complaint is consequent to wrongful demand and collection activity reported to major credit bureaus for insurance co-payment arising from incorrect, wrongful, and disputed reporting of medical services and tests provided to me that were performed XX/XX/XXXX by XXXX [ Oregon ] XXXX XXXX, XXXX XXXX, ( " XXXX '' ) ; together with wrongful and damaging debt-collection subsequently entered on my Credit Bureau reports by XXXX 's collection agent Valley Credit Service , Inc., XXXX, Oregon ( " VCS '' )  that began XX/XX/XXXX, and was updated XX/XX/XXXX, by XXXX 's collection agent ~ altogether as attached hereto. 
Both XXXX and VCS have refused to answer, let alone consider, any attendance to my concerns and complaint. 

This unjustified conduct and actions by XXXX and VCS have caused, and continue to cause, specific serious-and-unwarranted damage to my credit standing with consequent reduced or denied credit availability from both existing and new creditors. 

My repeated and detailed written communications to both XXXX and VCS have been ignored by them.
Consumer complaint received 2017-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MD)

On Sunday XX/XX/XXXX at XXXX XXXX commenity bank called in regards to my credit card accounts. I did not answer as I was asleep they then called again at XXXX XXXX, 2 minutes after they had just called. I answered and gave the phone to my husband as I have repeatedly told them I am unemployed and job searching and have been in contact with them with updates on the situation. He then asked them not to call on Sundays as well as to not call anytime before XXXX XXXX the rest of the week. They said ok they will notate the account with the request. 
At XXXX XXXX on XX/XX/XXXX commenity bank called again. I answered and gave the phone to my husband again and he said we asked you not to call on Sundays you were supposed to notate that in the account this morning when you called the lady said she was sorry and my husband stated he would contact a lawyer and hung up.
Consumer complaint received 2020-05-09
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)

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX. 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage.

13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with XXXX, Equifax and XXXX XXXX respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) XXXX XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

XXXX XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lien Enforcement Inc (CA)

I got a recorded message on XX/XX/2018 from ( XXXX ) XXXX at XXXX XXXX, PT. The content of the message is as follows : " Message from we have an important message from XXXX XXXX XXXX this is a call from a debt collector. Please call XXXX again that number is XXXX. This message will now repeat in XXXX.
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (FL)

I am putting a complaint on Diversified Consultants because they are reporting a collection with XXXX that was a result of Idenity theft. I have attempted to resolve the matter with them and sent them in my police report which I am going to attach to this complaint as well. But they have continued to try to collect on an Identity theft Account.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC (FL)

They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message.
Consumer complaint received 2022-08-11
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. (LA)

inquiries appear on my credit report that were not made by me I believe I may have been affected by the XXXX data breach and my information may have gotten into the wrong hands. ive filed with reportfraud.ftc.gov and identitytheft.gov FTC Report Number : XXXX The inquiries listed below are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I deposited a loan check in the amount of XXXX on XXXX XXXX into my checking using the mobile app. It was accepted by Chase, however they sent me a notification that the check would be held for 2 business days at which XX/XX/XXXX would be the release date. I had already made a fund transfer for XXXX into my XXXX XXXX account and figured it will be in by XX/XX/XXXX, but come XX/XX/XXXX, I get a DIFFERENT notification from Chase, this time telling me it's held til XX/XX/XXXX, in the meantime I've now got a negative balance of XXXX and I was blown away, as this loan check from a lender had already been marked as immediate access by the bank it was released by. Now I called chase Bank 3 x and got the run around, in the meantime I am subject to nsf charges that Chase will apply with 24 hours each day, eating up the funds. I'm pretty tired of their crap. They are to release that money now! There's no fraud here except by them!
Consumer complaint received 2022-04-05
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. (MS)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 5 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 I HAVE NOT GIVING XXXX, EXPERIAN, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH
Consumer complaint received 2021-09-14
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. (CA)

On XX/XX/2021 I sent letters in regards to inaccurate and unknown things on my credit report. Til this day I have not received a response. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items be deleted immediately
Consumer complaint received 2020-05-09
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. (FL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )