davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

Summary : CMG Financial has over-charged me interest on my mortgage loan. On top of that, they have not been cooperative with me in remediating that issue. 

Background : I used to have a previous mortgage with them, Loan number XXXX, which I paid off via refinancing with another company ( XXXX XXXX DBA XXXX XXXX ) on XX/XX/2021. 

However, CMG Financial reacquired my loan ( they bought it from XXXX  ) so now I have a new loan ( number XXXX ) with CMG again. I dont know the exact date as to when they acquired my loan from XXXX ; only thing clear is that they could not have acquired it until after the refinancing escrow had closed on XX/XX/2021. 

This means that for the XX/XX/2021 monthly mortgage payment, I should only be charged interest for the actual number of days remaining in the month of XX/XX/2021 after ecrow closing on XX/XX/2021. 

I have sent several messages to them using their website and also made follow up phone calls to no avail. In a phone call with them on XX/XX/2021, the lady I spoke to said they will do a loan analysis to confirm interest charged and get back to me within 24 to 48 hours. I did not get any reply. 

On XX/XX/2021 at XXXX XXXX  PST, I sent them a message ( using their website ) and I mentioned that if I still do not get an update from them by XXXX XXXX  PST of XX/XX/2021 that I will have to file a complain against them, since that would be already 3 days from the time they were supposed to do a loan analysis. 

Around XXXX XXXX  PST on XX/XX/2021, I called their hotline to try and get an update since no one has responded at all to me. I told the lady who I spoke with to relay my message to a manager that if I still do not get any response by XXXX XXXX  PST of XX/XX/2021, then I definitely will have no choice but to file a complaint against them. 

Note : I had already made my XX/XX/2021 mortgage payment.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I was purchasing a product from someone and they scammed/ frauded me out of {$2500.00} I messaged them many time to get my money back and I had no luck. 

I called my bank to get the money back they said they could not get it back. 

The transaction happened on XX/XX/2022 The persons name was XXXX XXXX and I used XXXX with Schoolsfirst.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Me and my wife refinanced our mortgage in 2019 with a new bank. The refinance process took some time and escrow closed on XX/XX/2019. 

Some months after the refinance process I noticed our credit scores dropped, I found Caliber Home Loans is reporting a 30 days late payment for the month of XX/XX/2019, I decided to contact Caliber Home Loans to resolve this mistake. 

Base on my own records the 30 days late payments marks are inaccurate and completely wrong. The payment, with Caliber Home Loans, was due on XX/XX/2019 and escrow paid-off the loan on XX/XX/2019, then closed on XX/XX/2019. When I called Caliber Home Loans they claimed to received the pay-off amount on XX/XX/2019, on their end the payment was received 30 days late. 

They are wrong, I send them proof of escrow closed on XX/XX/XXXX and before escrow closed they paid off the loan but I noticed they just don't care. I spoke with a manager of Caliber Home Loans and she accepted the payment was wired BEFORE XX/XX/XXXX BUT due to the time zone difference and processing delays the payment was posted until XX/XX/XXXX. 

This is unfair for me and my wife since our credit scores were destroyed due to " the time zone difference and processing delays ''. The payment was made before 30 days late and they should correct our credit reports.
Consumer complaint received 2018-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

XX/XX/2017 medial bill paid by my insurance and thru my health savings account to XXXX  Hospital XXXX balance yet collection agency states I owe XXXX dollars. XXXX XXXX  will not remove after numerous phone calls and repeated online filing. I've never heard of collection agency nor did I ever receive any information from them. Agency name is Capio Partners XXXX, TX according to credit report. XXXX  removed and verified XXXX balance. Keep getting info from XXXX XXXX to sign up for credit monitoring.
Consumer complaint received 2021-02-04
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)

XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.
Consumer complaint received 2021-02-04
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: BMW Financial Services NA, LLC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial. The Account Opened is BMW Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-01-05
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 (FL)

On XXXX I logged into online banking and see a higher than expected balance. I discover charges not authorized by me. They posted on XXXX ; the are vimbly {$140.00}, XXXX XXXX texas {$45.00}, the stereo shop {$1000.00} and there was a lowes.com charge for $ XXXX. Once I saw that, I called the bank and notified them these were not authorized. They took those 4 and flagged them, and issued a fraud dispute credit for those. Few days later I check again and I see the XXXX charge never left pending and then just dropped off, they must have caught that fast enough to not process. So somehow a XXXX in store charge of {$56.00} completed on XXXX was then flagged as fraudulent and was given {$56.00} in credit on XX/XX/XXXX. I realized that it was incorrectly labeled as fraudulent, and spoke to a fraud specialist, notified them the {$56.00} was valid and they took that as all the charges were approved. I called again explaining this and was told they see what happened and reopened the claim, called again today XX/XX/XXXX as the claim was still listed as resolved and still have the fraudulent charges and finance charges applied to my account. I was informed that the case will be reopened today and will take 45 days to reach determination. Meanwhile the first time the case was opened I was credited the next day.I
Consumer complaint received 2021-02-04
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: Complete Credit Solutions, Inc. (AZ)

I CONTACTED COMPLETE CREDIT SOLUTIONS ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO COM CRED SOL AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO PROTECT AMERICA OR COMPLETE CREDIT SOLUTIONS. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UT)

The company unfairly changed the terms of my credit card during the COVID pandemic. I have been making perfect on-time payments and have been a long time customer of Chase. I have a XXXX XXXX in the XXXX. I received a notice that the terms of my credit card was changed and it involved an increase in penalty APR ( i.e. for late payments ). I feel this is price gouging during the COVID pandemic when many people are financially strained. Shame on Chase for attempting to price gouge! According to the call center supervisor and email, I have the right to reject these changes. However, rejecting these changes will force me to close the account which is not an option with a current balance. I am not happy with this change and I am speaking up on behalf of myself and other people who are subjected to these unfair terms and price gouging. The change of terms for my credit card was received on XX/XX/2021 by email. 

I feel the timing of the change in credit card terms that involve increase fees is inappropriate and unethical considering the current COVID pandemic. I feel this is price gauging. 

I filed a XXXX  complaint but Chase responded that it has the right to change the terms. I was not happy with this response as it felt like price gauging with disregard to the COVID pandemic. I notified Chase that I will proceed with a CFPB complaint.
Consumer complaint received 2018-03-24
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. (CA)

In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian I contacted XXXX  and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact XXXX   and Experian separately please let me know.

Thanks, XXXX
Consumer complaint received 2020-10-20
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. (AR)

In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Transunion several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has  been a victim of identity theft. In addition, how can XXXX  currently be reporting the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Transunion seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for XXXX to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I placed a fraud / security freeze on my credit file with equifax and I requested them to remove it and delete it SEVERAL TIMES BY WRITTEN NOTice I also sent in proof of Identy as per their request several times It is still frozen for promotional reasons I want it deleted / removed ASAP its hindering my ability to buy anything. They are refusing to take care of this matter for me
Consumer complaint received 2024-05-06
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I received a {$200.00} US Bank Visa gift card for my birthday in XX/XX/XXXX. I didn't register the card right away because I was holding off on spending the money until I really needed it. Fast forward to XXXX or XX/XX/XXXX I registered the card online ( https : //www.prepaidgiftbalance.com ), used my Name, Address, Phone number and Email to register the card and verify the balance. At that time, the balance was still {$200.00}. On XX/XX/XXXX I tried using the card to buy my sister a birthday gift, and the card was declined. So I logged back into the website to check the balance and the card was empty! I checked the account information and someone had changed all the contact information. Everything! Name, Address, Phone number and Email. I checked the transactions and someone stole my card and used it to make multiple unauthorized purchases. I called customer service and after being hung up on multiple times by reps, I was finally able to speak to someone and they instructed me to upload documents to the website ( ID & Visa Card ). When I tried doing to, I noticed the account was now locked. So absurd to instruct me to go upload documents and then lock me out of the account! I was able to speak to someone in the XXXX, and they instructed me on how to upload documents. Its been 2 weeks and I still haven't heard back from anyone regarding this matter. They need to check the records and verify that I registered the card, and someone went in there and changed it all and stole my money! GIVE ME MY MONEY BACK!!!!
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (AR)

This account I have disputed over the past 60 days with a company by the name of Prince Parker & Associates does not belong to me and was the result of identity fraud/ Despite my previous disputes with both TXXXX and Prince Parker Associates the fraudulent account still remains on my credit file. Prince Parker Associates has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand XXXX  has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.
Consumer complaint received 2017-12-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (KS)

I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. 
The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.
Consumer complaint received 2021-02-04
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX is my second language. I have a friend entering this information for me. 

I cosigned two student loans with Citizens Bank in XX/XX/XXXX. I cosigned one loan in the amount of {$2900.00} for my sister XXXX XXXX and cosigned another loan in the amount of {$11000.00} for my sister XXXX XXXX. XXXX is a XXXX XXXX XXXX for fall & spring semester. My understanding was that both loans had no payment due. 
In XXXX I got a call from Citizens Bank stating I would soon be 90 days past due on the account for XXXX. I never received any bills, calls or notices for this student loan being due. 
I called XXXX on XX/XX/XXXX with help from a friend, XXXX XXXX - we spoke with XXXX at XXXX XXXX XXXX about why that loan was in repayment. We were told that when we filled out the loan paperwork at Citizens Bank - a box was checked stating I wanted to make payments right away on XXXX 's loan and a box was checked to defer on XXXX 's loan. Also XXXX XXXX stated that email communication was checked on the application therefore all payment notices were sent to student 's email even if the loan was co-signed for. The Citizen Representative filled out these forms for us and this was an obvious mistake. 
This was new information to me. XXXX is a XXXX XXXX XXXX beginning a 4 year program. She was in school full time from XX/XX/XXXX and is enrolled full time for the spring semester XXXX. 
We called back again to XXXX XXXX and spoke with a XXXX. We described what we had learned and he said we needed to fill out a School Verification form proving that she had been full time, then take it to the school XXXX XXXX XXXX and they would complete it, then forward it to XXXX XXXX proving she was a XXXX XXXX XXXX. Once that was completed they would reverse the late charge reporting. 
XXXX sent us the form XX/XX/XXXX and it was filled out by the school on XX/XX/XXXX and sent to XXXX XXXX. 
Today XXXX we checked with XXXX to see if the lates charges were removed. They were not removed. We called XXXX XXXX today and spoke with XXXX. He said they had received the school verification form from XXXX BUT he stated very clearly that the reporting can not be reversed even though a mistake was made at the Citizen 's branch. 
My credit score with these two late payments has dropped my credit score 90 points and I am trying to reduce my housing payment by {$300.00} through a refinance and now can not do it.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (NC)

Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXX XXXX. I have attached my last statement from XXXX XXXXXXXX XXXX to show the discrepancy. I will also attach my Equifax data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

Payment made in the amount of {$1700.00} for Mortgage Payment. Bank returned payment XXXX stating account number inaccurate. Account number was accurate and ACH Department returned payment in error causing 30 day late payment for XX/XX/2022. Bank addressed error but it is still reporting late which is inaccurate. Documentation has been forwarded to credit bureau and late payment is still reporting incorrectly.