davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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. (MI)

i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX and experian but still showing on my XXXX XXXX, the account is from Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my experian report which is simular to my problem with XXXX report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-28
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. (NV)

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXXXXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Consumer complaint received 2020-04-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Its about receiving my monthly statements, they stop sending me my monthly statements XX/XX/2018 and they are saying the reason why is because i file for bankruptcy its been ten years ago so if that was the reason why did they send me statements all the way up to XX/XX/2018 I need a better answer then that i have file for bankruptcy so if thats the case then they are legally wrong.
Consumer complaint received 2020-10-28
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. (MD)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2021-10-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Issue is with mr cooper mortgage They gave me a loan modification trial back in XXXX of 2021 payment was XXXX I thought it was XXXX ipaid the first month and second the XXXX dollars then told i was in default because of the 5.11 short I called numerous times becauseI never or my attorney in case never received the actual documents for the amount requested I offered to pay the difference once i knew I was off the 5.11 They would not accept this They have since refused to help I have called for a supervisor many times without any response I feel during the height of the covid the paperwork wasnt transmitted properly and no customer servcie to help me I do not want to lose my house because of 5.11
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (CA)

I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

Conns lost my accts XX/XX/XXXX. I could not pay as there were none with which to pay. In XXXX of XXXX Conns XXXX XXXX found my accts. They had reported all 4 accounts closed in XXXX to the credit bureaus. In XXXX, Conns put on the credit bureaus that my four accts wee open and 5 months past due. I asked them to consolidate the 4 accounts but they refused and wanted 4 payments Xx 6 months. I told them I couldn't pay that much at one time. The only other choice was to settle with them which was more than the 4 payments of the 4 accounts. I was working part-time and then the pandemic hit. I could do nothing. I did however ask them to remove the incorrect address for in their files and to remove my social security number off of a MRXXXX XXXX XXXX files and purchases. His {$5000.00} charge off is currently on my credit files at the credit bureaus. Mr. XXXX has my Social Security number on his Conns file and on his purchases. Mr. XXXX XXXX has access to my Social Security number. Whether he uses it or not, Conns has used it! I was working very hard to improve my credit and this has made my credit go way down i have a balloon note on my house and if I can not refinance, I will lose it. These account entries that are not mine need to be un-associated with my SS #, my credit reports, my phone number that I have had for several years, and remove addresses that not mine
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MD)

I took a hardship extension for 3 months due to Covid19. I was told that those payments would put to the BACK of my loan. I have now noticed that when I restarted my payments up in XXXX, Ally is applying my ENTIRE monthly payment towards interest. So why am I paying double the interest if when I was told that those payments would be put to the back of my loan? How does this make any sense? No one ever explained this to me. I am already suffering and now this on top of everything else. This company is bias and I would not recommend that anyone do business with them. This has put me deeper in debt with this lender and for the past 3 months all I have been paying is interest. BUYER BEWARE.
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

Since XX/XX/2020, Santander Bank has been charging me Overdraft Fees for purchases I originally had enough balance to cover from. 

I have activated all the types of Overdraft protection given by this bank : Even my card is not supposed to authorize any payments when I don't have enough funds to cover a purchase, and still, overnight my balance becomes negative and therefore I'm charged. I'm very tired of discussing with the bank people who can only 'speak to what they see ' and don't know the processes of their own products. 

There's even XXXX transactions authorized in my account that supposedly overdrafted it, however, XXXX doesn't authorize any payments unless you have funds to cover them So, how did XXXX was capable of overdrafting my account in the first place?
Consumer complaint received 2020-04-29
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. (MA)

I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

I received a statement dated XX/XX/2020 indicating that I have an escrow shortage of {$7200.00}. This is an error, because my servicer mistakenly paid my property taxes twice. On XX/XX/2020 they made a disbursement for " City/County/School/Utility '' taxes of {$6900.00}. And on XX/XX/2020 there was an additional escrow disbursement of {$6900.00}, triggering a negative escrow balance. Please see the uploaded attachment ( with word " documentation '' in file name ) for evidence of this double payment. 

On XX/XX/2020 I reached out to my servicer via their online messaging portal to inform them of the error and ask that they fix it. On XX/XX/2020 I received a response informing me that they are waiting for the City to issue a tax refund. A copy of that communication is attached. 

On XX/XX/2020 I noticed that the servicer still had not corrected the issue, and in fact, they had increased my monthly mortgage payment ( effective with the XX/XX/2020 payment ) by about {$500.00} to begin chipping away at the alleged escrow deficiency. I contacted them on that day via their online portal to ask a representative to speak with me. A copy of that communication is attached. A representative contacted me by phone on XX/XX/2020. The servicer acknowledged the error but informed me that an escrow deficit will remain until they are credited back the payment by the City. 

Unfortunately, the City of XXXX 's Department of Revenue is closed because of the Coronavirus crisis, so presumably no payment is coming. I insisted to the servicer that this is their error and therefore I should not have to make a higher monthly payment. However, the servicer representative insisted that the company was unwilling and unable to credit my escrow account by the amount they had overpaid, insisting that they wait for the City to reimburse, and in the meantime treating this as a deficient escrow account.

After speaking to her manager, the representative informed me that she was authorized to accept a partial payment for my mortgage, and that I could proceed with that partial payment. I requested that I receive a written notice indicating that I was allowed to make that partial payment and that it would not impact my credit report or my loan payment status. The representative agreed that a document would be provided and posted within a day or so. That was on XX/XX/2020. It is not XX/XX/2020, and no such documentation has been posted, and my minimum payment online still is reflected as about {$500.00} more than I should owe. 

I think it is egregious that the servicer has increased my monthly payment as a result of their own error. They have not been sufficiently responsive to help me work through this. I understand that this is a very challenging time for mortgage servicers, but it is unacceptable to expect a borrower to to pay additional funds to mitigate the servicer 's own error.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I received a letter in the mail from Capital One about mu online request for pre-approval that had been denied. I have 3 Capital One accounts currently and did not apply for anything else from them. I called Capital One and they said they do not have any way of tracking if there was a letter sent out to me and that there was no credit applied for. I also submitted a police report since someone used my info to file for unemployment insurance as well.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MT)

This moving company never provided the service for my move and i was still charged and when I dispute the charge with Chase bank they reversed it until today when I noticed they reversed the claim upon a fake documentation from the moving company falsely saying they completed services. 

This moving company never provided the required services for my move. When I called about the move, they stopped responding & didn't refund full amount. This company never provided the services required under the contract for my move in early XX/XX/XXXX. I paid the deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my calls and emails. I was able to reverse the charges and they sent paperwork to Chase Bank saying the services were rendered.There was no services fulfilled and I was still charged. But they reversed that claim today XX/XX/XXXX upon fake documentation of receiving services.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I discovered two fraudulent charges on my Bank of America credit card dated XX/XX/XXXX and totaling XXXX. I only discovered them due to a routine check of my finances. I received no fraud alert for these charges. 
I reported the charges immediately to the bank by phone and stated that I did not make these charges and have never received the new card the bank issued for me. 
On XX/XX/XXXX my fraud claim was declined with a wording " the chip was read, my PIN was entered, and/or you signed for the merchandise or service ''. They also stated they verified signed receipt or contract with the merchant. 
I called on XX/XX/XXXX to ask the bank about the transaction details, such as the merchant information ( location, phone number ), the amount of goods or services purchased, a receipt with my signature etc, but the bank was unable to provide any of it. I believe no investigation actually took place. Instead, they simply made me responsible for an enormous charge that I didn't make. During the call, the associate reopened the claim and told me she will inform me about the results in 3-4 weeks. 
On XX/XX/XXXX I sent Bank of America a follow-up letter asking to reverse the charges and provide an explanation to the denial of my fraud claim. 
On XX/XX/XXXX I made a follow up call to the Bank of America. I was informed that they did not have the information I requested available. And said " as you were informed during your previous call it will take up to 90 business days ''. I was not informed about 90 business days during my previous call. They have also mentioned something about their shareholders, which I find impertinent to my case or providing me with the grounds for denial of my fraud claim. 
To provide context, I'm a XXXX XXXX and a single mother, and with their non-existent fraud prevention system, Bank of America just ruined every slim hope I had for ever becoming financially secure.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (DE)

Company has not paid our property taxes from our escrow account. There are now penalties and itnwrest added. Calls are always put on hold due to high volume. Callbacks aren't always received when requested. No response through the online messaging system. 

When we finally got in touch, the representative told us to email a copy of the tax bill. The phone call was difficult to hear as the representative 's voiced echoed the whole time.We were sure to include all pertinent information in our email, and have not received a response ( not even a confirmation of receipt ). 

A week later and we are trying to call again to no avail. If the bill is not paid in the next four days, more penalties and interest will apply.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (GA)

I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions, LLC (KY) (OH)

On XX/XX/XXXX I had a sever XX/XX/XXXX I could not get into see my family doctor. I called my insurance at the time. They recommended a urgent care facility instead of an emergency room. The cost would be less. I went to the urgent care which was in my provider list. When I arrived they checked me in took my XXXX co pay for urgent care. I saw a PAC who sent a prescription to my pharmacy. There were no tests or further interaction. I went home, about 3 months later I received a bill from XXXX XXXX XXXX in XXXX Oh, the amount was XXXX. I called my insurance and they told me that the billing was incorrect and that XXXX billed it as a XXXX, that copay would have been XXXX. I called XXXX and told them they needed to resend the bill as they had collected my copay from me as a urgent care. They said they would send it back thru. I only had the insurance until XXXX of that year I then turned XXXX and my insurance went thru XXXX. I did not hear anything from anyone on the bill until XXXX on XXXX. A collection agency sent me a demand letter for the XXXX. I called them explained the issue. They deemed it uncollectible. Again a period of time went by about 18 months. Then I received another demand letter from Credit Solutions of Kentucky, I again called explained the situation, they told me that XXXX said I owed it and if they said I owed then I did. I said I was not paying it. I started getting phone calls daily, I finally told them I was not excepting anymore of their calls and the woman told me the calls would not stop. And they did not they call sometimes several times a day some weeks every day. I am not going to pay this I do not owe it. I have kept my call log since XX/XX/XXXX when she told me that the calls would not stop. I answered one more time and told them that they can take this issue to court I would be happy to take the issue before a judge. I want the harassments to stop.