davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

I was contacted by Loan Care and informed that they would be collecting property taxes from my escrow totaling over XXXX dollars. 
I called Loan Care and informed them that my property taxes are exempt because I am a XXXX veteran. I also explained to Loan Care that the Title Company submitted the property tax information in closing of the mortgage loan and the exemption is recorded in XXXX County Deed of Records. Loan Care informed me that I am not allowed to speak with the tax department and to send them a tax bill. 
I explained that I do not receive a tax bill from XXXX XXXX XXXX because the taxes are exempt and I had already sent Loan Care the property tax information. Loan Care disconnected the call. I called back to Loan Care and they told me that they were not going to ask the title company for any information and they did not receive my tax information. 
I am asking for Loan Care to accept my Property Tax information from XXXX County and the Department of Veterans Affairs and then update my records. I am also asking that Loan Care stop having people answer calls that do not have authority or competence to handle customers needs. 
Finally, I am asking Loan Care not to collect money from my escrow account for property taxes and to address the issue of the Loan Closing being improperly handled.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (SC)

Beginning XX/XX/2023, I have received more than the permitted 7 calls per week in an attempt to discuss debt collection. I receive at least one, if not two, calls per day. They call from multiple different numbers with local area codes and conceal their identity, pretending to be someone I may know until I ask who is calling. I have informed them not to call me during my business hours of XXXX to XXXX, yet they repeatedly call during those hours regardless.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (WA)

On my credit card I had XXXX charges from XXXX for XXXX on XXXX/XXXX/2015. XXXX said they never billed me XXXX times and this was a mistake on Chase 's side. XXXX recommended I do a chargeback, which I then did. 
Chase just denied my chargeback saying that XXXX did provide the service provided. This does n't make sense as XXXX states they only charged me once, not XXXX times. 

This is from an email exchange with XXXX : No XXXX XXXX, We did n't bill you XXXX times. 

XXXX
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NCC Business Services, Inc. (FL)

There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.
Consumer complaint received 2021-11-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (AL)

I was in forebearamce due to covid. I never received documents relating to modification. I have tried and they have taken payments but send back refund because they want entire balance due. I have tried repeatedly to speak with home preservation representative but has not emailed or called back. You get misinformed & misinformation relating on what to do about loan. I have tried to tell them I was in forbearance & have a FHA loan but not trying to work with me even though I have tried to make payments. They sent a package to answer questions relating to ability to repay on XX/XX/XXXX but say I must pay over XXXX by XX/XX/XXXX. I can pay monthly mortgage but I dont have XXXX. Please help!!!
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

After no less than 3 request ( this being # 4 ), Experian has refused to provide the name of the vendor supplying their public records information in malicious contempt for the following FCRA regulation : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

This is my final request for this information before litigation. If Experian still refuses to provide the required information, no matter, I just what to firmly establish with the court that I have completely beyond exhausting all efforts in this matter ...
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (TX)

XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!
Consumer complaint received 2016-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (MD)

A ever-changing representative from 'GC Services Debt Collection ' ( XXXX ) calls my work phone number from a spoofed or sometimes local ( XXXX area code ) phone number. Without providing any details, they leave a urgent-sounding message asking me to call back to an XXXX phone number, sometimes with an extension, sometimes without. Every single version of their phone number has multiple complaints ( i.e. ) : XXXX This has been going on since XX/XX/XXXX and I have reported them multiple times to my Security office, the FTC, and the Maryland Attorney General 's office but they keep calling and disturbing my work hours. I do not dare pick up the phone unless I know the ID.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

The debt is court-cost misdemeanor fine of {$1600.00} incurred on XX/XX/XXXX. In writing with a Recorded, Certified letter, I asked company as to stop calling as of XX/XX/XXXX. I currently receive ONLY XXXX ( Federally determined XXXX ) as income appr. $ XXXX The last phone call was XX/XX/XXXX.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.
Consumer complaint received 2016-06-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX. 

I want these calls to stop.
Consumer complaint received 2016-05-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MD)

On or about XXXX XXXX, XXXX XXXX XXXX wireless merged my cell phone account, acct # XXXX, was merged to account # XXXX, without authorization. The " unified account '', was merged with a " ghost '' or " non existent '' Account. This unauthorized " unification '' caused numerous and ongoing billing issues. These billing issues resulted in XXXX XXXX XXXX being unjustly enriched. Additionally, the change in denied me of services for which XXXX XXXX XXXX billed. Upon realization, I contacted XXXX XXXX XXXX XXXX, spoke with XXXX ( ID # XXXX ) and received Case Number XXXX, XXXX XXXX, XXXX, approved by his manager XXXX ( ID # XXXX ). Per direction, I contacted the credit card companies for which the charges were tendered to XXXX XXXX XXXX XXXX, due to XXXX XXXX XXXX XXXX Fraudulent Billing. One of the credit Card companies being, American Express Serve. American Express Serve was very unprofessional, leaving me on hold for an extended amount of time, requesting I send copies of my other credit cards, and information unfitting to the situation. The representative was not English savvy or helpful ... leading me to filing this claim. 
Rescission of contract to XXXX XXXX XXXX XXXX for failure to provide contractual services, unjust enrichment and other violations Under Maryland law, a claim of unjust enrichment is established when : ( 1 ) a party confers a benefit upon another ; ( 2 ) the benefiting party knows or appreciates the benefit ; and ( 3 ) the benefiting party 's acceptance or retention of the benefit under the circumstances is such that it would be inequitable to allow him or her to retain the benefit without the paying of value in return. XXXX v. XXXX, XXXX Md. XXXX, XXXX ( XXXX ), quoted in XXXX v. XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ). " The doctrine of unjust enrichment is applicable where a party, upon the circumstances of the case, is obliged by the ties of natural justice and equity to refund the money, and give rise to the policy of restitution as a remedy. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ) ( citations omitted ) ; XXXX, XXXX. has tendered accordingly to XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion Credit Reporting Agency showed XXXX ( XXXX ) Collection against me in XXXX 2015. I disputed them with a CFPB complaint, XXXX! The original Creditor, XXXX XXXX XXXX and the Debt Collector, XXXX XXXX XXXX XXXX responded and sent letters. I was told that there was an error in the reporting. I was told that the original creditor ( XXXX XXXX XXXX, XXXX XXXX ) instructed the Debt Collector to remove my name from the account ( s ). The Debt Collector ( XXXX XXXX ) told me that TransUnion would remove the Collections from my Credit Record in 30 Days. I waited 45 days and checked. It was still there. I filed a complaint with TransUnion and they never responded. So I am back again to you, CFPB! Please help me to resolve this issue as it is affecting my ability to refinance my home!
Consumer complaint received 2021-10-02
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: Exeter Finance, LLC. (CA)

My husband went to XXXX  XXXX to view a car. I was not present. 
XXXX XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies
Consumer complaint received 2020-07-10
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. (GA)

I have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (MA)

I just found out that American Express increased my APR to almost XXXX % a little under a year ago. I contacted them to see when they notified me of the increase, and they claimed they did so on XXXX/16. I never received any notification through the mail or telephone, and I also searched my email around that date and see no notifications from them.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 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 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP (CO)

I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (IN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 : 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 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 2022-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER COMPANY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAINE & WEINER COMPA ( original creditor : XXXX ) XXXX Balance {$1500.00} ; CAINE & WEINER COMPA ( original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$79.00}
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (FL)

I submitted disputes to XXXX, Equifax and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ALDOUS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

ALDOUS ( original creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance {$130.00}
Consumer complaint received 2022-02-08
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. (TX)

I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my report.