davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

On XX/XX/XXXX I noticed my " XXXX County Property taxes '' of {$10000.00} had not been paid by my Mortgager " Guaranteed Rate '' via my escrow account. I called Guaranteed Rate and asked why they had not been paid ( they had no good reason. ) They advised me to email a copy of my " Property Tax '' bill and they put in a work request to the escrow - property tax dept to get them paid. They acknowledged at that time if they were not paid on time they would be responsible for the 7 % Penalty Fee ( {$710.00} ) I made several phone calls from XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to resolve this issue as we ended up selling our home and closing on it on XX/XX/XXXX. Because the property taxes were not paid, our escrow company paid XXXX County property taxes {$11000.00} through the proceeds of our sale. When I spoke to the " Supervisors '' on XX/XX/2018 & XXXX. They all acknowledged that Guaranteed Rate was responsible for the penalty Fee of {$710.00} and assured me that Guaranteed Rate would reimburse me when the loan was paid off. 
With no recourse in sight and no follow up from the elevation of our complaint with the reps at Guaranteed Rate, We filed a complaint with on XX/XX/XXXX with the XXXX with no response or On XX/XX/XXXX we spoke to " XXXX XXXX '' who follows up with BBB complaints who said he would look into it and call me back by XX/XX/XXXX - Again no call back. We finally called him back today XX/XX/XXXX. XXXX stated that Guaranteed Rate would NOT be refunding me the late fee because 1 ) The account is closed and 2 ) I put a stop on the payment?! ( after a recommendation from their representative who noted that since the escrow would be paying the taxes the next day it made no sense for Guaranteed Rate to make a double payment to XXXX County. The rep again acknowledged and reassured me that since Guaranteed Rate failed to meet their Fiduciary Responsibility we would receive a reimbursement of the Late Penalty. ) Although Im sure Mr. XXXX is sincere in his trying to help me, Im not confident that the Loan Servicing department he is working with is using any common sense in this department.
Consumer complaint received 2021-01-31
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account :
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX my card was fraudulently used for a cash advance of XXXX plus a XXXX cash advance fee. I very rarely use this card and did not activate the card after receiving it, so I was shocked that there was a charge. As soon as I realized there was fraudulent activity I called Barclays to let them know, that was XX/XX/XXXX. I received a letter dated XX/XX/XXXX that the fraud investigation has been completed and I am not responsible for the activity. In late XXXX I received an alert that I had a payment coming due. I called Barclays again, several times to try and get this resolved on at least XXXX, XX/XX/XXXX, I've been promised calls back, I got one call back on XX/XX/XXXX and was told that I had to speak to another department and they would call me back within 2 business days. This is the 4th business day without a call. I called again today to learn that someone tried to change the pin on my card on XX/XX/XXXX. At the moment the charge is still on my card, my payment is now past due and the card is accruing interest. I've now been told I have to call another department tomorrow during their business hours. This is very frustrating and concerning!
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (LA)

I received a dunning letter from Central Portfolio trying to collect on a debt that I don't owe I've never heard of them. They have that they are trying to collect on behalf of XXXX XXXX in which I've never done business with. I've wrote them via mail telling them to contact me via mail to provide me with legal documentations showing I've done business with them or XXXX  in which I have not. They constantly call me and I repeatedly tell the to contact me via mail, they get rude and hang up or act like they can't hear me when I ask them to contact me via mail not phone or respond they will note I was uncooperative when they tried talking to me even though I keep telling them contact me via mail. This is not my debt, I have never done business with these people or any of its affiliates. I would like for them to stop contacting me or trying to collect on a fraudulent account as I have never heard of Central Portfolio nor have I done business with XXXX
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DataMax Corporation (FL)

This new medical collection just appeared on my credit file. I was never informed of this and DO NOT OWE. I have insurance and for any bills, I went to my approved providers which to receive the agreed-upon premium of the insurance company. This is wrong and again I was NEVER called or notified in ANY way.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-11-09
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: Experian Information Solutions Inc. (CA)

There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NH)

JP Morgan Chase Bank does not provide copies of statements with a XXXX-balance, notwithstanding payment activity on the account. I requested copies of several statements with payment activity and a XXXX ending balance, and the bank indicated no statements are available verifying payment. 

I need these statements for tax purposes and when I spoke with Chase about this, they said would not provide them.
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (WI)

Fraudulent loans!

Santander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.

Santander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

We sent payment buy they continued to take out on wrong date sent letter no  response , They took out in XXXX for payment  then said we are foreclosing which is now in affect, If  they would have takin payments as said we would not have this problem , I would like to start Class Action Suit .
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MO)

I do not, nor have I ever had a XXXX debt. This debt is from Minnesota. I live in Missouri. It would appear to be in violation of HIPPA considering that the relentless collection AMERICAN ACCOUNTS ADVISORS INC continues to ignore the disputes per this identity theft/ false account that I refuse to be bullied into paying.
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (PA)

I have been trying to get this off my credit report, if I owed a small amount of {$56.00}, I would of paid it a long time ago! But I do not owe this, I received a letter and called to see what this was about and it is about a school ring. I have been out of college for 55 years and I never bought a school ring. I told them this is not mine! And I want it off my credit history! I do not know how my name got to them and why they think I at my age purchased a school ring!
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (IL)

Trygrain.com is a digital app on XXXX  that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over 50 points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AZ)

I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

13 overdraft fees charged to my account for transactions that are DOUBLED, listed as both gone thru and then listed again as pending!

Along with my overdraft protection has been turned off, so my fees are {$36.00} instead of {$12.00} each!

Transactions with no name or identification, with amounts we never spent!

NO EXPLANATION!!!!!! NO RESOLUTION!!! 

I am being charged fees for transactions that should not even be there!
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is the bank where i have a joint account with my mother. Recently, all local branches in my area were closed. As a result, I went on the Capital One and used the branch locator feature, which directed me to various ATM locations, including ATMs at XXXX and at XXXX XXXX. I used an ATM at each location because I believed the branch locator feature was directing me to an ATM that was a Capital One access point and that I would not be charged a fee. Unfortunately, I was charged fees at each of these ATMs. I called Capital One and they agreed to reimburse the fees. However, the branch locator feature is deceptive in that it makes you believe you can access your account as if you were going to a branch, when in fact, that is not true. To make matters worse, there are no branches in the area sufficiently close. How on earth are people who can not drive or use mass transit able to access their accounts without fees if both the branch locator feature is deceptive and there is nothing reasonably available within a short distance? 

This is problematic and I don't think reimbursing the fees really solves this problem. I will still have no ATM near me at which I can access my account.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

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

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

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

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

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

7. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Corporation (SC)

This number is repeatedly calling my husband 's cell phone asking for me. He said they will not give him any information. When I look at my credit report I do not have anything listed for this company. It is very strange they would call my husband 's phone number, yet ask for me. Our cell phone are not connected to either my name nor my husband, as they are company phones.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2021 a friend of mine send me {$100.00} thru XXXX by accident, I called and asked him why he was sending me the money, he said it was not meant for me, it was meant for someone else, so I sent the {$100.00} back on the spot, they stood as pending on my banks side and posted the following day causing my account to be overdrafts and being charged a {$36.00} overdraft fee, I have requested the bank to refund the fee but they said no, and now they are charging me an extended fee, which is another {$36.00} dollar, so in total I have been charged {$72.00}, this happened with SunTrust bank, now Truist.
Consumer complaint received 2021-05-25
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. (TX)

XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX. XXXX, XXXX wont give me break down or signatures regarding these collections
Consumer complaint received 2021-11-09
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. (VA)

Transunion has AGAIN placed this collection back on my credit report after it has been remove they have not been able to successfully validate this account and when they think Im not paying attention they placed it place on my credit and increase the balance