davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision.

According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information.
Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness.

I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future.
The unauthorized accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-22
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. (IL)

I'm extremely disappointed in the way this company has treated me for not responding to the dispute I sent a couple of weeks back. This company has violated my rights, and this is unacceptable.
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

Citi offered me XXXX XXXX XXXX miles for opening a Citigold checking account and fulfilling certain account requirements. I met those requirements and even got confirmation from a Citi representative through a chat session that I had met the requirements and would receive the bonus by XXXX XXXX. When I contacted Citi a few days ago, they told me that I am not eligible for the bonus.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (OH)

I have been making payments on my credit card bill on time and more then the amt due and Macy 's have lowered my credit limit twice. The first time I dealt with it but this time they took all the money I had made and left me with a {$500.00} limit and available {$29.00}. I made a total of {$370.00} ( available credit ) and was left with a balance of {$420.00} to pay off. Macy 's had no reason in lowering my credit limit. I cancelled my card and will be cancelling the last payment made with my bank. Macy 's does not appreciate their customers especially the ones making payments on time. How can you just take away my money?
Consumer complaint received 2021-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I enroll in a plan call XXXX to do some Home Improvements and the cost to be added to me Property Taxes, therefore my escrow account was adjusted accordingly, I paid to my XXXX XXXX {$8200.00} additional to balance a Escrow Shortage, and paid on XX/XX/XXXX a new monthly mortgage payment of {$3000.00} twice, before enrolling in a forbearance plan due to a XXXX  Pandemic. On XX/XX/XXXX we enter the forbearance plan, on XX/XX/XXXX I paid off the XXXX  plan in the amount of {$56000.00}. 
I resume to pay regular monthly mortgage in the amount of : {$2500.00} on XX/XX/XXXX, as per Cardinal Mortgage Statement, I received a package from Cardinal Financial Company Loss Mitigation Department indicating that the amount that I owe after XXXX month in forbearance was {$45000.00}, I called Cardinal Financial and explained that the amount stated in the new promissory note was not right, for several reasons, 1 ) I paid off the amount of the PACE program that increased my escrow account, 2 ) I requested a statement breakdown of the {$45000.00} to understand how {$3000.00} x 2 ( {$6100.00} ) plus {$2500.00} x 10 ( {$25000.00} ) add up to {$45000.00}. 
Cardinal Financial told me not to sign that note and wait for the adjusted Promissory Note, it took four ( XXXX  ) month to received the second note, and the amount was wrong again {$40000.00}. 
Every month I call to request the breackdown and the adjusted promissory Note and every month I got the same answer that a manager is not available and will return my call within XXXX hours, this is been going on since XXXX XXXX. I paid my mortgage as per my Mortgage Statement every month by Phone and never been late since XXXX
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

My current mortgage holder, XXXX Mortgage, a Connecticut Company, sold my mortgage to Rushmore Loan Management Services, a Texas Company, on XX/XX/2015.
The terms of the mortgage were to remain unchanged.  When Rushmore sent me written confirmation they had me owning the wrong home and the wrong mortgage terms.  I called them and they corrected the records to reflect the correct home and mortgage terms in a letter to me dated XX/XX/2015.  However when they sent a billing they had the incorrect amount. I should be paying a total of $ XXXX per month and they are billing me  $XXXX.  I have called them multiple times and all I get is promises that they will investigate. In the mean while I have sent them XXXX payments of $XXXX for XX/XX/XXXX and XX/XX/XXXX but they have not applied either payment to my mortgage. They are calling me every other day dunning me for payment of the incorrect amount and telling me that I am XXXX months behind in my mortgage payments. I have spoken with XXXX different people at Rushmore and it is like beating your head against the wall.  Now they threatening to start foreclosure against me  and to report me to the credit reporting agencies while I am current in my payments.  I am fearful that their errors will cost me unnecessary legal fees and destroy my absolutely perfect credit rating. My wife and I are in our XXXX and do not need dealing with Rushmore.  Your help will be greatly appreciated.
Consumer complaint received 2015-12-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

We refinanced our loan with XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, we paid off that loan- we paid {$60000.00} through XXXX XXXX on behalf of XXXX XXXX . However, during that time, the loan was transferred and the payoff never netted a release or satisfaction of mortgage. The loan shows transferred/sold to a new lender/servicer in XX/XX/XXXX. We are in need of the mortgage release/satisfaction of this loan.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE
Consumer complaint received 2022-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc. (MI)

I applied for MIHAF at the beginning of XXXX. They have yet to review my application. Therefore on XX/XX/2022 I called Essex Mortgage mitigation team as I was directed to do via email on XX/XX/2022 and they stated there was no way they could help me and gave me three links to go to to apply for assistance. With that being said one link was invalid and the other two took me right back to the MIHAF application that I have already submitted. I am getting nowhere this company and I have hated it since they bought out our mortgage from a different company.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (FL)

violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below : XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

My XX/XX/XXXX Chase XXXX Marriott credit card statement showed a charge as follows : XX/XX/XXXX XXXX  XXXX {$410.00} I have never dealt with this company and did not make the purchase. I called the phone number on this line item for the company and could not reach a live person and left a voice mail requesting a resolution to a billing error- they did not respond. I called Chase card services to report the error and they credited the amount and said they would report it to their fraud department. New card was issued with different account number. 

My XX/XX/XXXX statement under the new account number showed the charge reinstated with the same detail as above. I called Chase card services to complain and the person said that they could not remove the charge again but would submit a new complaint. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explained how this determination was reached. 
I called Chase card services to complain again and a new complain file was issued. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the exact same statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explain how this determination was reached. They added the statement " we closed the fraud claim and won't respond to requests for additional reviews unless you provide new information '' No comment was provided to suggest what 'new information ' was needed from me. 

Throughout this process- when i have called Chase Card Services, the customer service person is unable to connect me to anyone in the fraud review process to discuss the missing details on this product order or what new information can be provided.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I settled a debt with Midland Credit Management in XXXX 2016 relating to a XXXX account opened through XXXX XXXX XXXX XXXX. XXXX was reporting the account to the various consumer credit reporting agencies as a collection. When I spoke with Midland 's agent, I specifically asked him if Midland could request the credit bureaus delete the tradeline reported by Midland. Midland 's agent replied that yes, they could and would ask the credit bureaus to delete its tradeline after the account was paid. 

However, Midland did not do this. Rather, they simply re-reported the debt as " paid, '' which still leaves their prior negative information on my credit reports and negatively effects my credit scores. I was very specific in my request, and was told by Midland that it would delete its reported information. 

I feel as if Midland simply told me something to get me to pay an account, and had no intention of honoring its agreement. I am aware that Midland records all of its phone calls, so this should not be hard to establish.
Consumer complaint received 2021-01-18
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. (NJ)

I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (TN)

I rented an apartment and in XXXX XXXX, I bought a home and did not sign a lease, I did a month to month for XX/XX/XXXX and XX/XX/XXXX. I did a walk through and did not owe any damages and gave them proper notice. I also paid my rent via check and I have proof that I paid in XX/XX/XXXX, because it was a pro-rated amount for {$75.00} and I submitted the proof to the collections agency as my old bank is trying to research the XX/XX/XXXX check from XX/XX/XXXX. I left in good standing. I faxed my documents to the agency on XXXX/XXXX/XXXX and they were supposed to forward it to the apartment management company. I followed up on XXXX/XXXX/XXXX and was told it takes 7 days for it to show up in their system, it has been 8 days. I have n't been able to contact the apartment owner, XXXX XXXX, as they no longer own the apartments. I was told I owe {$1200.00}, when I have paid and submitted documentation. the rep at the collections agency, stated that now they are saying that I did not give notice, and that is what the bill is for, when I gave notice, because it was up in XXXX XXXX and I was able to stay there until XX/XX/XXXX when I moved into my home and gave more than adequate notice. I left a forwarding address in order to receive my deposit, which I never did and have not heard anything from anyone in 6 years. The collections agency refuses to accept my proof. It stands to reason that I paid XX/XX/XXXX and would also have paid XX/XX/XXXX. I feel this is an attempt to extort money from me. The apartment manager at the time was XXXX, and I did give her notice and she was the one that came up with the pro-rated amount of {$75.00} for XX/XX/XXXX. I paid my rent on time monthly for the time that I was there, was never late and did not leave any damages. I feel the collections agency just wants to get money from me that I do not owe. The rep today, XXXX stated that she was going to order and mail me the validation of debt today, XXXX/XXXX/XXXX which I do not believe, as the other rep, XXXX XXXX, on XXXX/XXXX/XXXX gave me a fax number to send documents that they have not sent to the client in order to resolve this issue. the fax was sent on XXXX and I validated the fax number with the rep named XXXX. I hope that I wont have to get an attorney to challenge this.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I first contacted convergent back on XX/XX/XXXX via certified letter which they have received, I asked them to verify and validate this XXXX phone bill, they say I dont which I do not! I have never had service with XXXX ever. I then asked in the middle of XX/XX/XXXXafter not receiving any correspondence from them for them to provide me with the contract that was allegedly signed when the service was started, still no response, I then sent a third letter in the beginning of XX/XX/XXXX, still no response ... .I have called several times and keep getting hung up on, I advised them that I have never had service with XXXX and for them to send me all the paperwork! I have not received a response back!
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION (TX)

My information was used to illegally open a line of credit. My signature was not written in person and therefore photo-shopped onto an application for processing. The funds were obtained and used. The company is saying it is my account, but the address used is an address I have never resided at.
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

XXXX falsely reported a 30 day non payment on my credit report and given evidence of their mistake has continued reporting the false information. I've contacted the credit bureaus and they continue to side with XXXX XXXX even after I have given them the same evidence that XXXX XXXX is reporting false information.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. 
I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

When I refinanced my home in 2006, the broker placed a {$2500.00} home insurance on my policy that I never agreed to. Eventually the loan was sold to XXXX XXXX XXXX and they contracted Select Portfolio Servicing to collect payments. In 10 years, {$25000.00} have been added to my loan in the form of forced hazard insurance on which I have to pay interest. Select Portfolio Servicing refused to cancel this insurance and I now have my home owner 's insurance which I paid myself to XXXX XXXX. Last year, Select Portfolio Servicing told me on the phone they would take it off, but I am still being charged for it. They have been found liable in the State of Florida ( XXXX Class Action ). 
Also, they do not respond to my mortgage modification application, except to place a door hanger on my door stating I am late on my payment and to contact them, plus sending a letter asking to cure the outstanding balance within 3 weeks or risk foreclosure. 
The amounts over the regular monthly payments do not get applied to the outstanding balance, but are put in an unapplied payment account, no doubt earning Select Portfolio Servicing interest.