davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

We have 2 condos and we have an escrow account with our mortgage company. Recently I found out my mortgage company wrongly over deducted our escrow account to pay for 2-condo taxes in XXXX. I called the mortgage company and requested our money back on XX/XX/XXXX, and until today the mortgage company said all the numbers on its statement are true and correct, and it doesn't refund our money. 
Base on the statement the mortgage company had sent to me through email, in XXXX it withdrew 2 payments {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ) and {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ). 
Then 2 more payments {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ) and {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ). 
The 2 payment on XX/XX/XXXX and XX/XX/XXXX are only the correct taxes which we should pay to the XXXX county for XXXX, but the 2 other payments total {$2600.00}, both are on XX/XX/XXXX, are wrongly deducted from our account. 
From XXXX to present, I do many phone calls to its Service center, email its Tax department, email its Research department, but my request is not correctly answered.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST GUARANTY MORTGAGE CORP (GA)

On XX/XX/2020 a loan officer from my current mortgage called me regarding an opportunity to refinance my mortgage. I told him I was not interested. The next day, he pulled a hard inquiry of my credit report without my authorization. He had my information as he was affiliated with my current mortgage lender. Ive attempted to contact him several times with no response.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I moved out of my apartment, cancelled my XXXX XXXX, and paid my XXXX bill in full in XX/XX/XXXX and then AGAIN in XXXX when they hit me with a {$20.00} charge for something. XXXX sold a {$71.00} collection account to diversified consultants in XX/XX/XXXX, a month after I paid my bill in full. No attempt to contact me about it, my bill online said {$0.00} was owed. I called XXXX sometime in XXXX. They apologized, told me the debt was incorrect, and they would get it off my credit report ( said they made a note of it in their system ). I called again yesterday XX/XX/XXXX. They told me to call the debt collection agency to get it off my report. Why would I call the debt collection agency?? XXXX sold them the debt, XXXX needs to give them their money back so they can take it off my report!
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

MY MORTGAGE COMPANY LOANCARE IS CONTINUING TO TAKE MONIES FROM ME I DO NOT OWE. IN XX/XX/XXXX MY HOMEOWNERS INSURANCE WAS DUE. MY INSURANCE COMPANY PEOPLES TRUST WAS PROPOSING TO CHARGE ME {$2800.00} FOR INSURANCE. I MADE ARRANGEMENTS WITH MY MORTGAGE COMPANY TO LET ME PAY A MONTHLY AMOUNT UNTIL THE INSURANCE INCREASE AMOUNT WAS PAID. THE AMOUNT WOULD BE {$20.00} MONTHLY. AFTER I CONTACTED MY INSURANCE AND AFTER MY HOME WAS INSPECTED THE INCREASE DID NOT TAKE PLACE. MY INSURANCE DECREASED TO {$2100.00} FOR THE YEAR. MY MORTGAGE COMPANY CONTINUES BILLING ME FOR THE {$20.00} UP TO KNOW. I HAVE CALLED SEVERAL TIMES. I FILED A XXXX COMPLAINT ON XX/XX/XXXX .I WAS CALLED ONCE SINCE THEN I WAS TOLD MY ACCOUNT WAS BEING LOOKED INTO. I KEEP CALLING LOANCARE .NO ANSWER THE MESSAGE IS LONG WAIT TIMES TO GO TO THE WEBSITE. I HAVE NOT BEEN ABLE TO GET INTO THE ONLINE ACCOUNT SINCE XX/XX/XXXX WHEN THEY BECAME MY MORTGAGE COMPANY. I CANT SEE WHAT I OWE ON THE HOUSE .I CANT SEE MY PAYMENTS TO MATCH WITH MY BANK STATEMENTS. I WANT MY ACCOUNT UPDATED .I WANT TO BE ALE TO GET INTO THE ONLINE SERVICES. I WANT MY MORTGAGE AMOUNT CORRECTED. PLEASE ANY HELP YOU CAN PROVIDE WILL BE GREATLY APPRECIATED. 

THANK YOU
Consumer complaint received 2020-06-28
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)

The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2018-03-31
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX CHASE placed inquirys on my XXXX and XXXX  reports even while there is a fraud report and police in place I have contact chase thru mail and was sent a letter saying they were to be removed, to date none have been removed!
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

NO COPY OF WHO ENDORESED THE MONEY ORDER HAS EVER BEEN RECEIVED from Western Union. 

DEFINITION OF ENDORESED - Sign ( a check or bill of exchange ) on the back to make it payable to someone other than the stated payee or to accept responsibility for paying it ) I am not asking for payee information.  Western Union please send a copy of facts : a copy showing bank account tracking information such as the XXXX XXXX routing number and account number that the money order was cashed from that also shows that XXXX stamped or signed the money order. A blank money order shows nothing and just saying that Western Union sent three copies and to call XXXX XXXX means nothing. Fraud and Scam. Money was paid to Western Union to provide this information to me.

Western Union has been deceptive in providing me with proof/factual information on who cashed the {$130.00} money order that I paid for and has refused to provide me with a copy on who endorsed the money order. I have requested for months that that Western Union ( Western Union Reference Number : XXXX ) give me traceable information on who cashed the money order and as of today, XXXX, they have refused to provide facts and keep providing useless responses. A copy of the money order is attached. The problem occurred in XX/XX/2020 after my bill was not paid. I contacted the XXXX XXXX XXXX ( complaint ID # XXXX XXXX to resolve this with no conclusion after Western Union refused to send me a copy on who endorsed the money order. Western Union also closed the case since they  sent me a copy of the front of the money order and a blank copy of the back of the money order. I also contacted FTC with a complaint and never received a response. I need the following facts on who endorsed the money order who cashed it and where did the money go since XXXX never received it. Western Union refuses to send me the following after they told me to pay them {$15.00} to receive a copy of the front and back of the endorsed money order. I have never received the following from them : company name or person who endorsed the money order a copy of the back of the endorsed money order ( not a blank copy of the back of a money order ) the bank account number that the money order was deposited to the banks name or routing number. I am requesting that Western Union send me a full refund of {$150.00} - {$130.00} for the money order and {$15.00} for the requested copy of the endorsed information from the money order to resolve this complaint. Western Union please contact our Corporate Headquarters at XXXX, and provide the Western Union Reference # : XXXX. You may also email us at XXXX.
Consumer complaint received 2018-03-31
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. (NM)

XXXX  XXXX, XXXX  and Experian  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

In XXXX of 2020 after checking my credit I found fraudulent collection charges from National Credit Adjusters on my credit report. I contacted the company and also filed a ftc complaint and sent letters to the collection agency and credit bureaus with proof that this is not my debt and an identity theft issue however, on XX/XX/2020 ; I received notification that National Credit Adjusters placed the collection on my XXXX   report although I have submitted proof that debt is not mine and put fraud alerts on my credit. The debt was even removed from the other credit bureaus because it is not my debt. I am requesting that this debt not belonging to me be removed.
Consumer complaint received 2020-06-28
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. (IN)

The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: GreenSky, LLC (NV)

Have a credit card balance with GREENSKY and have paid all payments, ( a total of 41 or 42 now ) but in XXXX they said I did not pay. Twice I printed out the transaction pages from an electronic payment transfer service offered by my credit union XXXX XXXX XXXX XXXX. I also sent an Email to the XXXX XXXX  XXXX XXXX explaining I paid but GREENSKY is saying no. ( At this point I thought I have fullfilled the requirements of CFB 12 SUBPART A SECTION 1005.1 TO 1005.20, as well as Regulation k and Regulation E. GREENSKY JUST WANTS PAID, in fact before the last letter I paid the usual {$200.00} I have paid on all previous payments. The amount billed monthly is {$65.00},- there when I paid {$200.00} in XXXX HAD I NOT PAID IN XXXX I would have been current,- but after that said payment they billed {$200.00} that included late charges etc., which is XXXX XXXX, because I paid before letter. I'm ahead on my payment schedule. Greensky has offered no rebuttal to my two letters, printouts of accounts, the XXXX XXXX  XXXX XXXX HAS NOT REPLIED OR CONTACTED ME. Now Greensky wants me to just pay using their patient solution, so IF YOU NEED PROOF THEY DON'T CARE ABOUT RULES AND REGULATIONS THERE IT IS!
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (SD)

We paid {$10000.00} in  XXXX  on Student Loan managed through Aspire. Aspire is reporting us 90 days past due but our credit report for  XX/XX/XXXX  as well as  XX/XX/XXXX  shows the student loan status as current. This 90 day delinquency has resulted in a   XXXX   point drop in credit score. Upon seeing this on the report, I made payments to bring the account current and sent in an auto-pay authorization form to prevent future late payments. I contacted Aspire to ask them to rectify this inaccurate reporting of my account standing as my credit score has been significantly diminished. But they have refused to remove the lates from my report. I have had impeccable payment history on this account as well as my credit card accounts for many years.
Consumer complaint received 2021-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Morris & Parnters, PLLC (NY)

This has been happening since i was a child, someone using my information. My parents filed for me and i filed id theft reports in XXXX, XXXX and XXXX you are requesting documents that were sent years ago to XXXX and XXXX Bank, XXXX XXXX XXXX and others here is the latest. 
You are requesting documents that were sent years ago and before you acquired this case. 

This letter serves as notice to you and your company to immediately cease and desist all contact and communication with me AGAIN regarding the collection of an alleged debt and all related matters. Unless you have absolute proof and not printouts of BILLS as proof. 
a telephone call a letter an email numerous telephone calls and messages in one day numerous calls on the home, cell and work phone You claim that I owe debt. I do not owe this debt, and I dispute this claim. ) Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : embarrassing - harassing - aggressive - deceitful - threatening causing emotional and physical duress causing undue stress. 
If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek all available damages and remedies.
Consumer complaint received 2020-06-28
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. (MO)

My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Im a self employed XXXX XXXX XXXX, and also own XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Sba approved me for the first draw of ppp loans being as though my business was highly affected due to the current pandemic that we are all facing. My clientele was limited, and my business is suffering immensely. Ive provided all proper documentation to Capital One banking institution as proof of my business and income from XXXX XXXX. They asked me send send in 1040 form, which I sent in the same day it was asked of me. My business is still recovering and I would like answers as to why this is happening to me. I literally went from being self employed to employed because I have to booth and suite expenses out of pocket. Can someone please help. Im a XXXX XXXX who has been held against my rights for no reason at all. I call Capital One daily for updates, and no one has looked at my case or documents.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I have these accounts that are not mine and i want them to be removed. 

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

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

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

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I disputed paid and closed accounts from the Dept of Education on my credit report on XX/XX/XXXX after my taxes were garnished to pay off my past due balances. It remained on my credit report. On XX/XX/XXXX, I disputed these accounts again in an attempt to have these removed. These accounts still remain on my credit report and have significantly impacted my credit score, regardless that they are paid and closed. I have been declined by creditors due to this unfair credit reporting. Please remove so I can be able to build my credit. I can not with these on my report, I am denied even after I have paid off almost all of my debt and have very little monthly bills. Thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a {$600.00} principal payment against my outstanding loan balance. Bank of America posted it, reduced my outstanding balance and then immediately posted " Misapplication reversal '' for an amount of {$600.00}, and adding {$600.00} to my outstanding balance. In essence they accepted my payment, reduced the outstanding balance and then immediately reversed the payment adding to my outstanding balance. My payment was with good funds and from a B of A checking account. 

I contacted B of A 4 times about this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told it would be resolved within 3-5 business days. It was not. That call was with XXXX in XXXX XXXX, ID # XXXX at approximately XXXX PDT. Claim # XXXX On XX/XX/XXXX at XXXX PDT XXXX, ID # XXXX issued a complaint on my behalf # XXXX and said someone would contact me the next day. No one did. 

I was told by B of A personnel during these 4 calls that the problem was systemic as B of A implemented a new loan software program.

Typical hold times for each of these calls was 1 hour minimum.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I have noticed an unauthorized charge on my bank account I have reached out multiple times to the US Bank fraud department who mishandled the issue. Finally, I was able to freeze my account at my local branch but the US bank did not stop the funds from going out and never returned the funds back to my account
Consumer complaint received 2020-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I always make my payments before they're due. On XX/XX/2020, I made my mortgage payment {$2500.00}. I did not find out until XX/XX/2020, they put my XXXX payment all to principal. Since XX/XX/2020, I have had to call every month, because XXXX told me I never made a payment. The incompetent customer service representatives did not figure out the issue until XXXX of this year. They have charged me late fees every month, and continue to tell me I didn't make a payment each month. They're going to ruin my credit due to their own mistake. I have called at least 5 times, for them to fix the problem. Each time I have called, they have refused to fix the problem that they created.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (AR)

LENDING CLUB CORP XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. lending corp has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I have an account with Conns, and have never been late with my payments on my account. I was due for my payment on the XXXX of XXXX and they have constantly been calling and calling more than XXXX  per day. I have tried to work out something with them, however they stated that they will continue to call as they want to set up and reserve the payment with XXXX of my cards on file. I did advise them that if they continue the repeated calls, I would escalate and they did state that its due to that XXXX payment pending. Please advise what can be done in my situation. I do plan to make the past due payment on Friday, I am aware and looking to just close this account out as soon as possible to avoid any other fees.