davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (TX)

I am a natural person, I am a living human being I have rights under 15 USC, 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because A According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$8900.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$3900.00} In XXXX standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$5800.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$3500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$6000.00} In good standing
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums. 
I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.
Consumer complaint received 2015-08-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (AZ)

I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!
Consumer complaint received 2015-11-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (TX)

I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report.
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Selip & Stylianou, LLP (NY)

Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith.
Consumer complaint received 2022-10-06
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I refinanced my Wells Fargo mortgage. Final payment for the mortgage in full was received on XX/XX/XXXX. Wells Fargo took Private Mortgage insurance for the entire month of XXXX, because they received the monies for payment in full on XX/XX/XXXX. They refused to prorate this amount. My Mortgage agent - XXXX from XXXX XXXX XXXX XXXX in XXXX, Minnesota said that Wells should have prorated and only charged the two days PMI as all the other lenders do, but was stealing the rest of the monies. When I challenged this with Wells they said they take for the whole month. They escalated to people that either knew nothing about how the PMI was supposed to work or just said we did what we can and you 're out of luck. My understanding was that in XX/XX/XXXXthe laws changed to favor the consumer and said lenders must prorate Private Mortgage insurance. We closed our Wells Fargo Mortgage loan on XX/XX/XXXX. We had PMI taken in XX/XX/XXXX that I understand would have covered the month of XXXX because it runs behind and we paid an additional {$290.00}. representing another two months of PMI at {$140.00} per month and we should have had to pay the {$140.00} for the one month and only two days Interest for XX/XX/XXXX and XX/XX/XXXX for {$9.00} total and they should have refunded us {$130.00}. Their customer service just keeps talking to you saying we get to keep the money and then keeps polling you to ask if you 're satisfied. Of course I am not because I feel they wrongly took the {$130.00} and should have prorated and just charged us for the two days PMI. I spoke with XXXX XXXX at Wells Fargo and others to no avail. He is a really nice man but really did not know if Wells Fargo should have prorated and it seemed outside of his expertise and others had told him Wells will keep the money and that 's where it stood. Our loan closed out and we had a zero balance on XX/XX/XXXX and then were charged PMI of {$290.00} on XX/XX/XXXX. We had also paid {$140.00} in PMI on XX/XX/XXXX and of course, we paid PMI every month out of our payments and were never behind.
Consumer complaint received 2022-08-10
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (IL)

Place correct the information on my credit report .The info is damaging me, a defamation of character to my personal identity.The incorrect name XXXX XXXX XXXX is Mis leading my commercial transactions.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I closed on a refi mortgage two months ago with XXXX XXXX XXXX who is using Dovenmuehle mortgage as their servicer. The insurance details were provided to them as part of the specifics of the closing ( insurers is XXXX XXXX ). I received a notice last week from XXXX XXXX that my homeowner 's insurance had not been paid and was going to be cancelled on XX/XX/XXXX ( today ) if payment is not received. I escalated this to XXXX XXXX XXXX/Dovenmuehle and did not hear anything from them. I ended up working with the realty company to help escalate the issue and did receive confirmation that the insurance had been paid via email on XX/XX/XXXX and a text message on XX/XX/XXXX that the payment had been made, but as of today XXXX XXXX had still not received/processed the payment. I ended up having to pay for the premium out my own personal funds until this payment clears. I have still not received any kind of email/call from an actual person. I couldn't connect via telephone because of the long wait times ( I spent over an hour on hold before I gave up ).
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (WA)

I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?
Consumer complaint received 2022-09-07
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. (GA)

Transunion has reported on mye removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Starting in XX/XX/2022 of last year, someone had been making fraudulent orders on my XXXX Contacts account. Apparently XXXX Contacts did not verify that it was me because the person ordering contacts lives in California. I have never lived in California. I told them that I did make these transactions. They told me that I needed to go through Paypal to get my money back, which I found to be strange when Paypal always tell the customer to settle it with the merchant first. So when I tried to dispute it with Paypal, they immediately closed my case because I have ordered contact from XXXX Contacts in the past, which again does not make sense. Ordering contacts in the past does not give the company the right to charge my account by someone other than me. There a total of 5 unauthorized charges on my account and I am requesting a refund of all of my money. Please see the unauthorized charges below. 
XX/XX/XXXX, XXXX {$180.00} XX/XX/XXXX, XXXX {$330.00} XX/XX/XXXX, XXXX {$350.00} XX/XX/XXXX, XXXX {$350.00} XX/XX/XXXX, XXXX {$350.00}
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX  account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to XXXX XXXX and Experian. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX  claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (GA)

Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX. 
On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX. 
My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law. 
Please assist. 

Thank you
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NY)

XXXX alleged that I owe them {$76.00}. for a phone bill. That debt was passed on to a collection agency known as Southwest Credit Systems, L.P. located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Be advised that I was never in any phone contract with XXXX during the time period they alleged I owed them {$76.00}. Notably, neither XXXX nor Southwest Credit System ever notified me of this debt in writing or otherwise prior to its submission to the collection agency or to the credit bureau. In fact, I first discovered that I was in collection status while viewing my XXXX XXXX account. These facts withstanding, I wrote directly to Southwest on two occasions ( one letter returned as " returned to sender not deliverable as addressed '' ), and the second letter was confirmed as received due to return receipt requested. However, to date I have yet to hear from Southwest with respect to an explanation, or whether they contacted XXXX to have the collection removed from my credit report. I also disputed the collection online with XXXX on XXXX occasions to no avail. This was followed up with XXXX letters of dispute ( certified mail - return receipt requested ). The XXXX confirmation response letters that I received in regard to my XXXX letters to XXXX had absolutely nothing to do with the instant disputed XXXX collection. In fact, in XXXX replies XXXX provided confirmation in regard to an unrelated matter. Additionally, I tried contacting XXXX agencies via phone, but was not afforded an opportunity to speak with anyone. As a last resort I am formally requesting that the FDCPA take the necessary steps to have Southwest and/or XXXX have this erroneous collection debt removed from my XXXX credit report. That collection debt is damaging my credit report, and is currently hindering me from purchasing a vehicle.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

I disputed my a credit report Collection entry by a collection agency which took me to court on a debt that they did not legally prove that they owned. A Judge in Massachusetts Ruled in my favor dismissing the lawsuit and Equifax still verified the debt and wo n't remove it.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to you because Bank of America for the past 24 hours, actually more than that, has denied me access to my account. I have called and been transferred and/or given a different number to call 10 TIMES!!!!! No one can tell me why the account was frozen and even more shocking no one has unfroze the account. 

That is stealing, that is theft, I believe that the legal terms would be robbery, fraud and the list goes on. I work hard for my money, and I am here 24 hours without access to MY money and no reason as to why! When I asked about compensation for the stress caused and time taken away from me without an apparent reason as to why I was told that Bank of America does not compensate for mistakes. I have recordings if you would like them. 

I recorded all the calls with the poor customer service displayed by BOA. I went to the branch location on XXXX and XXXX in California and that sad excuse of a manager XXXX, had me waiting for half an hour and left through the back! 

At this point I just want my money and compensation and I 'll leave the bank. I have been a loyal customer for 20 years and this is the treatment I get.
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (NY)

I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (FL)

When I signed up with credit karma it was to help my credit, not to impact it further. I received several credit offers that promised at the time when my credit was stable. Instead i received several companies that were phishing and cause several inquiries that impacted my credit. This situation cause my my score to go dangerously low.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have recived a bill from capital one saying I owe XXXX $ From a credit card I never own. Now a bill collector send me a letter saying that they sold the acct to them. I talked to a representative one time and told her it wasent me. We end up arguing and the representative told me If I cant keep my spending under control and if im not going to pay why get a credit card? Now they calling family members ebery other day asking for the payment and harrasing my family members.