davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (FL)

I am in receipt of a debt collection notice dated XX/XX/XXXX for the amount of {$340.00} being a XXXX XXXX bill from XXXX from ARstrat. This was previously sold to a different credit collection agency As mentioned to the previous debt collection agency, I do not have any knowledge of this amount. In XXXX my provider recommended lab services that I never authorized. When XXXX tried to call the provider, the provider had left the practice and there was no forwarding address. I did not give any authorization for these services and have informed XXXX XXXX many times. This amount is on my credit report fraudulently and should be removed. 

I do not have any knowledge of these charges and I am not responsible for these charges. I have never owed XXXX XXXX for any services and would like your office to stop contacting me.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NJ)

XXXX is charging me a " package that I never seen on tv '' claiming that I purchased the program and cancel withing 30 seconds activation, then a technician came to upgrade and took my own equipment and I call customer service and XXXX XXXX has no idea who was the technician who came to my house, because they said XXXX XXXX hired subcontractors.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CO)

My mortgage transferred from XXXX Bank XXXX Rocket Mortgage as of XXXX XXXX, 2021. The only piece of information I received was a letter from XXXX, notifying me of the transfer along with old and new mortgage numbers with contacts info for each company. 

On XXXX XXXX, 2021, I called Rocket Mortgage as I wanted to set up automatic withdrawal for my monthly mortgage payment and make the payment due as of XX/XX/XXXX. I was informed the loan was in a blackout period, and I would not be able to do anything until Monday, XX/XX/XXXX. I have received no communication from Rocket Mortgage at all. I wonder when I will receive a letter or an email. Probably because they'd like me to default on my payment to collect the late fees. 

During my phone conversation with the Rocket Mortgage rep ( XXXX ), I was told the mortgage transfer process had XXXX steps so I was so lucky I had called in to check on my payment. Then, I was transferred to a 'loan XXXX ' to review my loan to see if he could save me money. I did not ask to be transferred nor did I agree to be transferred. The loan XXXX went through his script, and then asked if he could pull my credit. I said, no. He then tried to talk me into it by saying they save people money and it would be worth it. At that point, I told him there was no way he was pulling my credit, and I was not refinancing under any circumstances. 

This is a corrupt business practice that will take advantage of many trusting folks. I am disgusted by the behavior, to XXXX XXXX of refinancing just to get away from this unethical company.
Consumer complaint received 2022-04-28
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. (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 602 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

The interest fluctuate. Its never consistent. I have a 2.9 % interest rate and a monthly payment of XXXX. With my calculations thats a {$30.00} interest rate. However they say they have a daily interest rate of {$4.00}, which I am unaware of. Also I pay before due date and sometimes more. However I feel like Im being penalized for paying before time. The interest in order payment of {$1100.00} principal XXXX and interest {$230.00} on XX/XX/XXXX, payment of {$1100.00} principal XXXX, interest XXXX payment on XX/XX/XXXX, payment {$1000.00} interest {$810.00} and interest is {$230.00} on XX/XX/XXXX, on XX/XX/XXXX payment of {$1100.00} principal XXXX and interest is {$110.00}, payment on XX/XX/XXXX XXXX principal XXXX and interest XXXX, on XX/XX/XXXX payment of XXXX and principal is XXXX and interest is {$72.00} on XX/XX/XXXX payment of {$1000.00}, principal of XXXX and interest of XXXX and payment on XX/XX/XXXX payment of {$1000.00} principal of {$900.00} and interest of {$150.00}.
Consumer complaint received 2021-12-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

During the purchase of my home it was never brought to my attention that one of my mortgage was a balloon mortgage and after 15 years the remind amount must be paid in full. In this case the amount due is XXXX I tried numerous time to trying to set up a payment plan. I spoken with a few staff member in regards my concern and they always have the same response. I being in my home over 15 years and prefer not loosing my home due to not having agreement with the lender in places.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

Bmo bank has the mortgage on the home they held the insurance money for the home repairs forced us into foreclosure broke into our home while under construction and removed tools and personal items and changed lock during mandatory foreclosure mandate and after they were informed the previous time they tried and we called the police. The bank agreed to remove the foreclosure fees and legal fees and allow use to reinstate. The bank has not removed the fees and continued to charge use the fees and the foreclosure court date is approaching. We have the funds to pay the missed payments. We have tried to resolve this issue for a year but the bank has still not fixed the situation.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (IL)

XXXX XXXX XXXX XXXX XXXX informed me via letter dated XXXX2021, that an alleged debt had been sold to UHG I LLC. UHG I LLC has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by UHG I LLC fall under XXXX XXXX under Article XXXX or XXXX?
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.
Consumer complaint received 2021-05-07
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For my auto loan with capital one my loan was switched to paperless without my consent. This made it so my auto payment was filed late as i had not received the coupon in mail. Then my auto loan was reported as a missed payment to the credit bureaus and dropped my credit score. This ruined my credit, and when attempting to resolve they state they tried to contact me multiple times, of which i only received one call where i paid the payment immediately. They refuse to retract that missed payment and I am suffering for what i consider their fault for switching me to paperless.
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (CA)

XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and experian immediately they do not even list account numbers on my fico reports!!!
Consumer complaint received 2023-04-07
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2021-05-07
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: CITIBANK, N.A. (SC)

In XX/XX/2020, we purchased 2 tickets to see XXXX at the XXXX XXXX in XXXX, SC. The amount was {$330.00}. Due to Covid, XXXX first postponed her show until XX/XX/2020 then again in XX/XX/2020. I then received a notice saying that the show was cancelled. Citi Advantage has not refunded me my money. I also called Vivid Seats where the tickets were purchased and they said the concert still shows postponed on the website although I have something from ticketmaster that says cancelled. I feel my money should be refunded. No, XXXX XXXX authorized Vivid Seats to sell tickets which we charged on the credit card this event did not take place and we should get our money back!!!
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

mysynchrony for XXXX credit card has not taken the amount of {$700.00} off my account when they sent me a letter stating that they investiagated my return, proofed that the company receieved the retured item, and said i would not be charged for the item that they would be removing it,. ive checked the account constantly they dont remove it i contacted support again and again and they keep responding that they will check to see whats going on and have me going thru the whole process again and again everytime i contact them .you guys send me letters saying its at XXXX but you continue to have my account saying XXXX
Consumer complaint received 2021-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021 my husband and I were scammed we tried to apply for XXXX loan. They were impersanting someone from XXXX XXXX. They didn't give me the loan right away they told me to go buy gift cards from XXXX XXXX  They didn't give me the loan right away they said you need to approve your credit score. two gift cards one for XXXX and XXXX dollars. My bank is wells fargo and we have fought so many times to get my money back. They think I authorized that purchase which they phished me to buy gift cards to get money for me to get this loan.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (GA)

I have held a Diners Club card since 2002. At some point in the past two years, the current franchisee ( BMO Harris ) stopped offering Primary Rental Car Insurance on this card. The bank did not notify me of this material change to my card agreement, despite the fact that I pay a {$130.00} annual fee ( {$95.00} plus {$35.00} additional cardholder fee ). Attempts to contact the bank have been ignored.
Consumer complaint received 2021-07-15
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We filed a complaint with the Consumer Financial Protection Bureau, case # XXXX. Fifth Third Bank ( 5/3 ) has not addressed all of my issues with the case. Fifth Third has completely ignored my request for backing data as to how they have concluded the amount of PMI overpayment. 

While Fifth Third forwarded us a check for fraudulently collecting PMI insurance from us. We have not received the justification for the amount that they have refunded us. 

We believe this is only a partial refund of the amount due to us. Fifth Third stated that they have " provided a refund of all PMI payments made since XX/XX/XXXX ''. We have asked for backing documentation to justify the date which Fifth Third determined our PMI overpayment, and by extension the justification of the refund amount. We have not received this information. 

It is highly irregular that while 5/3 Bank gave us the run around and ignored or outright lied to us about the process to drop PMI on our mortgage for 6 years, when we filed a case with the Consumer Finance Protection Bureau, magically, they concluded that our PMI should have been dropped. 

Our original loan 's PMI insurance was due to be automatically dropped by XX/XX/XXXX with 5/3 bank. 5/3 bank seems to have a scheme to overmarket and push pre-approved refinancing offers as a means to extend their profits, all in the guise of saving their customers money. With this refinancing scheme, and XXXX ignoring our continued requests to drop PMI ( violating HPAs disclosure and notification requirements ), the refinancing of our loan would have had us paying PMI on our loan until XXXX of XXXX on a loan that was originated by the lender on XX/XX/XXXX. That would be 20 years of PMI payments on a 30 years loan. 

Fifth Bank and by extension CFPB has closed our case, as Fifth XXXX determined our case " closed with explanation ''. They never gave us the documentation we requested as to how they arrived at the refund amount or date in which they determined our PMI should have concluded. 

Yet again, when asked for transparency and information, 5/3 is ignoring our request for the data for the amount of our PMI overpayment. We believe Fifth third has only issued us a partial refund for PMI overpayment. Fifth Third stated that " After an additional review of your account, we provided a refund of all PMI payments made since XX/XX/XXXX '' We believe there is a discrepancy of approximately two years of PMI overpayment or about {$3200.00}.
Consumer complaint received 2023-03-08
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: Fidelity National Information Services, Inc. (FNIS) (UT)

ChexSystems Inc. is reporting fraudulent accounts on my ChexSystems Inc. consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but ChexSystems Consumer Relations has not responded.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (IN)

Back in XX/XX/2018 hired a lawyer ACC was trying to get double pay on a car went to court civil court I won automotive credit corporation is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs