davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

On XX/XX/2020, I remitted payment to my loan servicer, XXXX XXXX , XXXX via XXXX XXXX Bill Pay. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that XXXX XXXX , XXXX transferred the loan to Flagstar Bank. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XXXX , XXXX, thereby paying off the mortgage loan owed to XXXX XXXX , XXXX and its successor in interest, Flagstar Bank. 

XXXX XXXX  , XXXX. failed to deposit the XXXX mortgage payment. XXXX XXXX , XXXX further failed to forward the XXXX mortgage payment to Flagstar Bank. Irrespective of the XXXX mortgage payment, both XXXX XXXX  , XXXX and Flagstar Bank were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, XXXX XXXX, XXXX caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. XXXX XXXX , XXXX had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither XXXX XXXX, XXXX nor Flagstar Bank were permitted to treat any payments as late during the 60-day period following the transfer from XXXX XXXX  , XXXX to Flagstar Bank on XX/XX/2020. See 12 CFR 1024.33 3. XXXX XXXX , XXXX and its successor in interest, Flagstar Bank, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither XXXX XXXX, XXXX nor its successor in interest, Flagstar Bank have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.
Consumer complaint received 2019-10-03
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. (CA)

Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX  XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX  XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..Experian, XXXX, XXXX XXXX won't even release any of my information to me.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Received a letter from Citizens Bank in late XXXX of this year ( 2020 ) informing me my accounts would be closed with no reason given. I had been a customer for over ten years with an account in good standing. I emailed the CEOs office to try and get an explanation or reverse the decision, but they treated me like I was just a waste of their time. Ive done nothing wrong. Something is seriously wrong with banking regulations if banks are allowed to do this. Only XXXX  and XXXX  should be treated like XXXX  and XXXX, not innocent customers.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

The account in question in discussion is JPMCB Card Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at XXXX XXXX. When I was well enough to work I did make the payment immediately.
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: EQUIFAX, INC. (CA)

My letter dated XXXX which was mailed to you on XXXX. That letter was mailed to you by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter new documents in your XXXX System. I have filed a complaint with your Dispute Department and your Office of Consumer Affairs. 

THIS NEW AND RELVANT EVIDENCE. DO NOT INGNORE THIS COMPLAINT. 

On several occasions you have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. 

According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$540.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. 

CC : XXXX  State Attorney General CC : XXXX State Attorney General XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and XXXX
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX told me that the cost of my XXXX work would be {$40.00} because my wife had really good insurance. Then after the work was done it was {$450.00} because there was some kind of error. They told me they would do an audit of my account to see what the difference was and get back to me. They never got back to me. They just sent me a bill which I did not pay because they told me they would do an audit of the account. My wife and I called them numerous times and they never gave an explanation. If they had told me it would have been that expensive at the start I would not have had the work done. <P/>Then we came to find out that they reported the account to collections as it is now on my credit report to AWA Collections on XXXX XXXX, 2016. AWA has never contacted me to get the debt resolved they just added it to my credit report which I feel is unfair.
Consumer complaint received 2019-10-03
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. (CA)

Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, Equifax, XXXX XXXX won't even release any of my information to me.
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Already had a hardship deferment with previous collector ( XXXX ). New collector ( Navient -- who had it before XXXX ) took my {$5.00} a month, and then said I had to pay {$280.00} ( One-third of my Social Security for the month ). I paid them on XXXX XXXX {$10.00} to show my good faith to hold while the process the paperwork with documents provided. They acknowledged they had the documents in their system. I had been on deferment before, nothing said I was not on deferment anymore. They again sent me notice they were still collecting {$280.00}. I asked them why, and they said it was going through the process. Do n't worry. Oh XXXX XXXX they pulled {$280.00} ( 1/3rd of my month 's income ) out of my checking account. I called and asked why/? That left me nothing to pay my rent. The Navient 's customer service person said because I gave them permission to pull from my debit card for {$10.00}. That opened the door. I called my credit union, and they said the money was NOT pulled by my Debit card. They pulled directly out of my checking account. ( I tried to upload copies of Navient 's agreement to let me pay {$5.00} a month, my SS letter of my month allotment, and previous XXXX agreement, but my internet access is very poor and it did not process. )
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This account was never late I refinanced the car and they reported it late and it should not have need XXXX XXXX 30 DAYS LATE Auto Loans {$0.00} Status Date ReportedXX/XX/XXXX Payment Status 30 Days Late Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$14000.00} Date Account Opened XX/XX/XXXX Date Account ClosedXX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) On Time Payments 100 % Worst Pay Status Current
Consumer complaint received 2023-03-23
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$2900.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$200.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX, XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXX Opened XX/XX/XXXX Balance ;
Consumer complaint received 2021-07-19
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. (IL)

I currently have XXXX federal student loans serviced by XXXX XXXX XXXX XXXX XXXX. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX 's refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA.

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''.

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Consumer complaint received 2021-01-25
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: Experian Information Solutions Inc. (LA)

On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.
Consumer complaint received 2017-08-11
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. (IL)

I have been a victim of identity theft. I have a FTC affidavit and a police report and XXXX, trans union will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (WA)

I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the XXXX information is creating problems with my banking institution XXXX XXXX XXXX XXXX XXXX XXXX. I want justice for frivolous actions that EWS is doing. This been a going on since XXXX of 2020. I have provided them everything include evidence of EWS and Key Bank errors and misreporting.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

Was notified by mail by Chase that my account would be closed due to fraudulent activity, although all I had done with the account is open it online, changed my direct deposit info to this account, and deposited a rebate check for {$7.00}, I phoned in attempt to rectify the situation, but on day 1 I was placed on hold twice for 50+ minutes, and was eventually hung up on. Day 2 more of the same, on day 3 I was actually able to speak with someone in the " fraud bureau '' who released the hold on the account, so that I could close it as I have no intention of continuing to do business with Chase, however I had to be transferred to another dept. to close the account, now I'm dealing with someone whose English is horrible, she tells me she has to verify who I am by answering 3 questions first was which company I had history with ( I think ) I never heard of any of these companies, 2nd was Liscense plate registered to me, I have no vehicles registered to me, them I was told I didn't answer the questions right and couldn't close the account, so I guess they keep the {$7.00}, Chase is impossible to deal with on many levels
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C. (MN)

Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I currently have four federal student loans serviced by XXXX XXXX Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Consumer complaint received 2021-01-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (GA)

Pro XXXX a debt I owed for an unpaid rental apartment from 2017 has said they have been trying to contact me, send me letters and I have not received anything. I called to try to settle the debt for half because Im currently in the worse situation ever and need to move immediately. I have XXXX children and need to move forward and they are not making it easy for me at all. I was not able to pay the debt because I lost my job taking care of my mother and now XXXX isnt making it any better. Today I contacted the company and the refused to settle with me or to even let me make payments.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The CMI Group, Inc. (CA)

All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my XXXX   report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON ARTIST AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX IM A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.