davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I have a business Chase account that was opened in XXXX. Unfortunately, due to my business not doing well I am not able to make payments on this account. ON XX/XX/XXXX Chase reported the late payments to my personal credit. I called Chase on XX/XX/XXXX and asked them how they can report a business credit to my personal credit report.

They told me that is was in my original contract and stated that if I went 120 days that they would report to my personal credit. I asked the Chase rep to please send me the original singed contract so that I can see where it states that. I got a letter in the mail 2 weeks later from Chase stating they can not locate this contract. 

I am 100 % sure that this account should have never been placed on my personal credit and since chase can not provide the contract they should have this deleted ASAP from my report.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DC)

I deposited a check for {$700.00} ( XXXX XXXX XXXX ) from a tenant in my home through Mobile banking. I was not aware until the next business day that a hold was placed on the account for 6 business days. I received a call earlier that morning regarding charges on my account that the bank wanted to verify. I verified the charges through a recorded system. When I spoke with my bank ( TD Bank ), I was told that I would just have to wait and that the instructions on my account were : 1 ) do not call the fraud dept. 2 ) do not allow the customer to call the fraud dept, and 3 ) the hold is a dynamic hold and that it will not be released until the end of the 6th business day which is actually 8 business days. I  deposited the check on XX/XX/XXXX, the hold is on until XX/XX/XXXX thus not giving me access until XX/XX/XXXX.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

I was involved in a auto accident in 2015 where I was hit by a impaired driver.During the lawsuit I had to get Medical treatment from different doctors, and after we came to a settlement, my attorney advised me that all my medical bills before and after my accident needed to be paid and the 2 accounts that XXXX XXXX have has already been paid via my attorney @ XXXX and XXXX in XXXX FL. Whatever my insurance did n't cover the insurance money covered.Company needs to investigate and remove from my credit report
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Trans Union, XXXX is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within XXXX  days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2022-10-04
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. (MO)

In accordance with the Fair Credit Reporting Act, 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  Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-12
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. (CA)

I have several inquires dated back to XX/XX/XXXX from a company called XXXX for XXXX , XXXX XXXX XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Original Creditor " XXXX '' sold this debt to Diversified Consultants they also wrote off this debt on their taxes which wrote off obligation to pay. Disputing this item being the contract was cancelled. I have no contract
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi. 

I was making a payment on my Capital One credit card on XX/XX/2017, and missed their XXXX XXXX   deadline by about an hour. The penalty was {$35.00}. I called a rep and they tried to waive the fee, but since I had one penalty waived this year, their computer would not let them. 

Unlike most credit card companies, Capital One requires you to make the payment at XXXX XXXX. Any payment after that is moved to the next day. Mine was paid over the phone at about XXXX XXXX - one hour or so past their deadline. Most credit card companies take payments to XXXX. I live on the West Coast and the work day for me does n't end at XXXX XXXX. The payment due date fell on a Friday. It also happens to be a day when a lot of people get paid and have to get to the bank before the end of the work day. 

If you make a payment during a 24 hour period, it should be credited that day. I cant think of any reason for a cutoff time other than to bleed their customers. Can CFPB do anything about this?
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I discovered credit item XXXX XXXX account number XXXX had been re-inserted into my credit file. I disputed the tradeline with TransUnion and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report dated XX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX. As evidenced by my report dated XX/XX/XXXX, the XXXX XXXX tradeline is no longer listed. Now according to my report dated XX/XX/XXXX, the tradeline is listed with a Date Closed of XX/XX/XXXX and estimated removal date of XX/XX/XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). 

It 's been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). 

However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my  behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I would like to report this illegal and fraudulent activity by this incompetent mortgage servicing company so proper actions can be taken against them. 

It appears that this company is not managed properly and their harassing activities combined with their incompetence has caused agony and hardship for my family and I. 

Please process this complaint and provide the results as soon as possible. 


Thanks, XXXX ( XXXX ) XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CT)

I hold an adjustable mortgage with Caliber Home Loans. I have an escrow account for my local property taxes with the XXXX Ct. I have made every mortage payment on time. I also have a near perfect ( near XXXX credit score ). Since the loan was transferred to Caliber Home Loans, there has been an extremely frustrating, time consuming, stressful issue with their tax department, which is now sub-contracted to a company called XXXX. For the past three years, there have been at least XXXX different instances of the tax department missing payments, nearly to the point of lien status. This most recent incident did in fact lead to a lien being placed on my property several weeks ago. I have documented over 9 hours of my time being spent in endless phone chains and conversations trying to resolve this issue between XXXX/Caliber and the XXXX. I have written letters to XXXX as well as to the XXXX of Caliber Home loans to no avail. Each entity denies responsibility for the problem, but the most frustrating aspect of the situation is the complete lack of coordination between Caliber and XXXX. Caliber assumes no responsibility for the work of XXXX. Now that the lien has been placed, it will likely impact my credit rating for 7 years into the future, negatively affecting every area of my financial well being. Additionally, I had planned to refinance my adjustable mortgage this year, while rates are still low, which I will now not be able to accomplish. Thank you for helping me to resolve this issue with Caliber/XXXX
Consumer complaint received 2015-12-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (GA)

Was told by hospital that I would only need to pay my co-pay ( {$200.00} ) and that my insurance would pay the balance and/or the hospital would write off the balance in agreement with my insurance company contract - The hospital did not do that and they in fact turned it over illegally to a collection agency who then posted it on my CBR 's!
Consumer complaint received 2022-08-11
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. (VA)

I over paid my XXXX 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXX.They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, XXXX XXXX customer care stated I had a store credit of XXXX. 
XXXX XXXX is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and Transunion. I also contacted XXXX regarding the alleged missed payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX with XXXX 's owing me money.
Consumer complaint received 2018-01-10
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. (FL)

My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my Transunion and XXXX reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (GA)

XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX and after they did there own investigation that the account was not mine they closed the account and debt was settled to a zero balanced and deleted in from my credit report. But XXXX XXXX is still showing the debt on my credit report and is showing as a late on my credit report. Which is hurting my credit and my credit score.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I had checking account that was transferred from late Wachovia bank to Wells Fargo. It was originally no fee checking account. After I made few withdrawals I did n't touch the account. The bank started to charge extremely high fees of {$25.00} a month for a positive balance. The charged me approx. {$500.00} in fees, until all funds were gone, and shut down my account.
Consumer complaint received 2022-04-01
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. (PA)

I believe XXXX collection accounts on my credit am inquiring about XXXX XXXX and XXXX XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Consumer complaint received 2019-05-12
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. (CA)

I have several inquires dated back to XX/XX/XXXX from a company called XXXX/ for XXXX , XXXX , XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX  for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (TX)

XXXX XXXX for a dependent initially billed incorrectly. In efforts to resolve billing, situation enters collections. Insurance situation resolved, and original service provider was paid as far as I understand. However, collection agency is still trying to collect a debt related to this circumstance. 

I have received no communication about this for years. 

I find it on my credit report and dispute the derogatory claim. 

It comes back as XXXX XXXX as still an open collection. 

I do n't understand how I owe them anything and why they are claiming I owe anything at all in this case.
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

I received an alert from the credit bureaus that a collection account was added to my credit reports. I never received any notices in regards to this collection, nor do I have any knowledge about this. This also is in violation of HIPPA.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.
Consumer complaint received 2020-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

On XX/XX/XXXX I filed a complaint against XXXX XXXX case number XXXX based on an error that XXXX made on my escrow account and request that I make up the error payment over 12 months. The result ended with XXXX agreeing to spread out on 60 months. 

XX/XX/XXXX, XXXX sold my mortgage account to NewRez Mortgage. NewRez continued to charge the amount of {$2000.00} until they increased my payment in XX/XX/XXXX and XX/XX/XXXX, {$2400.00} that included the escrow amount that was not spread out. There are 2 years remaining of the 60 months from XXXX. 

I am asking NewRez to spread out the escrow amount the was in error, the remaining 2 years so that I can afford to pay monthly. Below is a summary of failed attempts to resolve my issue of overcharged monthly amount, in order to afford payments. They do not want to refund the overpayment in XXXX or XXXX and charge the correct amount for XX/XX/XXXX. 

I have called NewRez Mortgage company to follow up on my original complaint of overcharging my account XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On Saturday XX/XX/XXXX, at XXXX am ( after 42 minutes ) I spoke with XXXX XXXX in collections, who stated that NewRez company is not going to credit my account from XXXX and XXXX the amount you overcharged. She stated your escrow department will only begin to charge the correct amount starting XX/XX/XXXX. To summarize the issue : On XX/XX/XXXX, I emailed New Rez company the documents that support my escrow account to be spread over 60 months since XXXX. I was told from XXXX on XX/XX/XXXX, that the correct amount should be {$2000.00} and would be corrected once I send the letter from the Consumer Financial Protection Bureau. Then on XX/XX/XXXX, NewRez refunded my account the XXXX payment that was auto draft of {$2400.00} as oppose to the amount requested of overpayment of {$380.00} for XXXX and XXXX months totaling {$760.00}. On XX/XX/XXXX I followed up with a call to state I was refunded the total XXXX payment and was told the reason NewRez refunded the one month payment was that they were investigating and refunded my account while this was occurring. Thus, after not hearing from NewRez, I followed up again XX/XX/XXXX and spoke to XXXX XXXX. 

My payment for the month of XXXX is now showing non payment of the incorrect amount and shows LATE. Due to the lack of cooperation with NewRez, I am  submitting a formal complaint to Consumer Financial Protection Bureau to request consumer right by spreading my account over the 60 months that started in XXXX per XXXX XXXX account. I should not have to bear the burden with the two Mortgage company transactions that took place with NewRez purchasing mortgage accounts from XXXX XXXX. 

Can you please help to resolve this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX