davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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. (TX)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXN- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NA- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (NC)

Every since getting my sUAS pilots license ( over 2 years ), I have been getting pre-approval letters from Bankers Health Group ( BHG ). The letters stated I was pre-approved for a loan and needed to go online to 'activate the loan '. I finally did this around XX/XX/2022. You do this activation and then within a day or so a Account XXXX contacts you to get all your personal data and to email you a request for signature in Docu Sign. It was a XXXX XXXX XXXX. And a XXXX XXXX XXXX to sign and email back. Not much information except the loan does not show up in your credit report and is a risk based loan application and requested amount of loan wanted. In addition the Account XXXX said that I need to provide all the requested forms to get approved and to start talking financial numbers. Oh wait so I was not pre-approved? When I inquired about not being pre-approved like letters state and about the XXXX XXXX, a XXXX processor contacted me, via email, saying if I don't sign papers the loan will be pulled. And saying what do I got to lose, no risk, and no obligation. But now I am signing over a XXXX form XXXX for access to 10 years of my tax information and I don't even know what rates or limits or fees or closing costs, or anything about this loan really. I went ahead finally on XX/XX/2022, after thinking over and having some home issues come up that need repaired ( original need for loan ), to provide the requested documents and also once again inquired about the tax form. I was told the tax information only goes back 2 years and only used for identification purposes. On XX/XX/2022, later in the afternoon I inquired about the application and was told it would take XXXX hours to get an answer. On XX/XX/2022 I once again inquired about the loan. On XX/XX/2022 I got an email stating I was denied and a letter will be mailed with reason. 

I truly feel BHG is very misleading on their whole loan process and is not fair to consumers. I have been denied loans in the past, but the lender was upfront with everything about the loan and forms required from the beginning. I don't even really know what the XXXX form XXXX will do and why it was send to XXXX XXXX XXXX CO per the form. 

If needed have email communication with BHG : ) Thanks for any assistance. 

XXXX
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Community Loan Servicing ( previously Bayview Loan Servicing ) does not have any idea what is going on with my mortgage. They will not accept payments. They will not give me access to COVID relief mandated by law. They will not return calls or emails.The amount of XXXX Community Loan Servicing, XXXX XXXX and his cohorts have bestowed upon me and my family is inhuman and unlawful. Loan modifications, deferrals and repayment plans are all clearly mandated by law and just as clearly ignored by XXXX and the company he manages. Their one goal is to profit on the weak and those that do not have the knowledge or abilities to stand up for themselves. I had to demand to talk to a supervisor for over an hour while I listened to the " ASSet managers '' try to convince me to short sell my home. I have the money to pay my mortgage but XXXX and Community Loan Servicing will not accept it. This is the second time I have had to involve a third ( oversight and regulatory ) party just to keep XXXX and Community from taking my home and putting my son and I on the street. I don't have words for the amount of shame I feel for even being the same race as XXXX XXXX and the employees of Community Loan Servicing.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

We received a US Bank Relia Card that was unsolicited, and when we tried to get help to find out why we received this unsolicited card, we were asked to enter a social security number and birthdate before moving forward, which we did not do.

We have no bank account with US Bank other than a loan with US Bank and we never applied for a " Relia Card '' and this was totally unsolicited. The card has my name on it and it looks as if it can be used.

I need to find out why I received this card but can not get help from US Bank Relia Card when I didn't ask for this card and can not get help from their toll free number. I'm concerned fraud is involved.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

In XXXX I attempted to pay this company some of my balance and I was told I couldnt do that. I paid the amount of {$860.00} and the clerk pocketed the payment and didnt report it. I would like this report off my credit report
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

For months I contacted bank regarding NSF fees hitting repeatedly account and their allocation of funds available and when they post creating this domino effect and they said they would look into it, than no one called or emailed back, call again nothing, than they come out with no more fees and than follow up and tell me too old to reimburse! I stopped using account and they just closed me for no activity.
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FACTUAL DATA CORP. (AZ)

I have been trying to get a refinance on my home for the past 4 months, but because of the reports given by Credit Reporting Agencies, such as Factual Data, lenders are telling me that my scores are so much lower than the reports I get from the 3 reporting agencies.  The lenders tell me they use the middle score, however, they do not, they get different scores.  I have now several hard inquiries on my report, due to the fact that because of the lower scores they report, I get ripped off big time on interest rates.  I even started paying off credit cards and brought up my scores but Factual Data still reports low scores.  It is totally unfair.  My scores all show in the low 700s, yet they show in the 660 and 690's.  I have always paid ALL my bills on time, something must be done to help the consumer not get ripped off in this way.  I am XXXX, lived in my home for 20 years since built.  Can you help me?  I was trying to refinance to update my home and pay off two credit cards, with a decent interest rate.  XXXX XXXX XXXX, my last quote was at a 5.5% interest rate! Thank you for you time.
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (RI)

I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc.

In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period.

1. I was not notified of the increase. Auto draft just appeared in my bank account.

2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech.

3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Chase bank unlawful closed my account with all my life savings in. Ive been trying for Months reaching out to them go get my money. I keep getting transferred to a voicemail of a executive office of a women name XXXX she never answers or call me back I leave serval messages.
Consumer complaint received 2021-07-15
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)

The Department of Education/XXXX stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (PA)

Atlantic Recovery Solutions has been contacting me under their alias " ARS '' since at least XX/XX/2020 via calls and texts. They never properly identified themselves or the reason for their call so I did not first make contact with them until XX/XX/2020 at XXXX ( via telephone ). The representative was accusatory and unprofessional. However, I proceeded to request debt validation be sent via mail only and requested not to be contacted by phone again. The agent became upset and stated they " would not stop calling '' and disconnected the line without notice. On XX/XX/2020 I received a text from my mother stating that a company named ARS has been contacting her regarding me. On XXXX my sister reached out to me stating ARS has been contacting her as well. On XX/XX/2020 at XXXX I spoke with a representative at ARS again and requested the full company name, address and debt validation in writing. I was transferred multiple times and when I complained to the " Senior XXXX XXXX '' I was told I signed up for my family members to be contacted. I did not give this company permission to contact my family member 's. They knew how to reach me and were unwilling to put the request in writing as requested. ARS has called and texted me from multiple numbers referencing a " legally required notice, paperwork and a case ''. However, they never identified themselves as a debt collector or gave notice this was an attempt to collect a so-called debt. I have phone records and copies of the text and call log to support this complaint.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-02
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. (MN)

there is a conflict of interest for insured/patients with healthcare providers which is also very possibly violating HIPAA privacy and FCRA through testing, diagnostic and medical billing codes with full access to patients full medical records and private protected medical record information managed by a major credit bureau. Its not disclosed to patients by medical providers and is a complete conflict to have a major credit bureau branch/entity managing information which can affect credit and insurability of patients who seek and need medical care, credit products and services and be assured unbiased insurability. Example : XXXX XXXX XXXX XXXX is one of more than 60 % of United States Hospitals that utilizes Experian to manage all medical and billing records. Providers offer patients access to their health records ie. XXXX, with electronic/data use of credit information of patients that is required to verify a patient own access to the online medical records ( XXXX  ), clearly co-mingling private, protected medical and credit information of patients.
Consumer complaint received 2018-12-04
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. (NC)

I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online .. so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since 2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX   XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
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. (FL)

Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove  these accounts of my credit report THANKS ..
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

XXXX University talked me into a XXXX XXXX  and when I completed and passes all the necessary parts to get into the last portion they kept adding more classes and exhausting my loans. I had to claim bankruptcy. Please help. I was taken advantage of and have no where to turn. My grades were good. I passed all the classes they said I needed. They just kept arbitarily adding more and more!
Consumer complaint received 2021-07-15
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. (IL)

The Department of Education/XXXX stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.
Consumer complaint received 2020-09-08
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. (TN)

I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, Equifax, and XXXX they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax,XX/XX/XXXX and XX/XX/XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.