davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (OH)

I have been a victim of identity theft and I have suffered from having unauthorized accounts and inquiries on my credit report. I did not consent to any of the accounts being open and this is ruining my reputation with the banking system.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I AM REQUESTING OMBUDSMAN DEPARTMENT TO AUDIT MY INSURANCE/ESCROW ACCOUNT. THEY REFUSE TO REFUND FALSE FLOOD INSURANCE FEES, LATE FEES, ESCROW ADMIN FEES, AND HOMEOWNERS FORCED PLACED INSURANCE FEES OVER 10 YEARS TOTALING {$16000.00}. SEE ESCROW ANALYSIS STATEMENT XXXX. I LIVE IN A XXXX  XXXX, AND OVER THE YEARS, ALL MASTER BUILDING INSURANCE COVERAGE AND PERSONAL FIRE INTERIOR COVERAGE WAS EMAILED ON TIME. SEE COVERAGE FROM THE YEARS 2016 TO THE PRESENT. 

ALSO, THE ORIGINAL XXXX XXXX XXXX, AS A PRECEDENT XXXX NEVER REQUIRED INTERIOR COVERAGE SINCE OUR NEW XXXXXXXX XXXX  AT XXXX XXXX XXXX FLORIDA XXXX XXXX BUILDING ARE PREWIRED WITH SPRINKLER SYSTEMS/SMOKE DETECTOR ALARM SYSTEMS.
Consumer complaint received 2022-09-06
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 ) ( 1 ) 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.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

Good Evening, I am reaching out to you this evening to file a complaint against Carrington Mortgage XXXX # XXXX. The reason for my complaint is due to clear TRID violations, on top of what I deemed as threats to either close my loan, or not be provided the credits owed to me through my rate lock agreement and good faith cures. I am currently going through a streamline refinance with them since they currently service my loan. The main issue I have is that throughout the process they never disclosed any title fees associated with the loan. They did provide me with a SSPL, but not once did the loan estimates that I received have those fees. Once they disclosed the closing disclosure to me there was over {$1000.00} worth of title fees disclosed. I pushed back asking what valid change they had all of sudden to charge those and without that this was a violation of the regulation. After some back and forth, they agreed it was an issue stating 'system ' problems and worked to provide me an update disclosure. When I received that updated disclosure I noticed that they cure they provided me was not accurate. The cure was almost {$300.00} less than what it should have been per the regulation. I again pushed back stating this was an issue. At one point I was even asked what I thought the cure should be. I was finally provided an updated closing disclosure, but it was followed up with a we need to close 'or else ' scenario. I informed them that less than 24 hours to review the documents was not enough time. The response I received was if we ca n't close this month we can not provide you with the credit for the rate or the lender cure for the fee violation. My rate is locked through XXXX/XXXX/16. To help provide a little background, I am compliance manager at a local mortgage company. I am working to get this resolved, but my concern is how this company is treating other customers. I am lucky enough to know what is right and wrong, but there are others out there that do not. I have copies of all my disclosures as well as email communications with the lender that document these issues. I would be more than happy to provide them if someone were to contact me.
Consumer complaint received 2017-04-04
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (IN)

In XX/XX/XXXX, RMS Reverse Mortgage Solutions, ( Mortager ) after claiming non-receipt of a {$38.00} fee due them by me, XXXX XXXX, ( Borrower ) put my loann into default and started foreclosure proceedings and charged fees totaling up to approximately {$900.00} in administration and appraisal services. The {$38.00} had been received by their office as verified when Borrower called. During conversation representative stated that it was not clear or apparent why foreclosure proceedings had commenced, but records would be corrected. 
My loan is marked in default again in XX/XX/XXXX on RMS records. I was not given a reason as to why. 
Each year since the origination of loan, XX/XX/XXXX, RMS sends a tax letter regarding my mortgage account in XX/XX/XXXX or XX/XX/XXXX, instructing that my property tax payments late and to please pay. The property taxes for the mortgaged home are due in XXXX County, Indiana, each XXXX XXXX and XXXX XXXX, and have not been paid late any tax year. However RMS uses their own tax schedule to regard them as late before the property taxes for the property taxes are actually legally due in my county.
Consumer complaint received 2021-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

My statements are claiming I have not made any payments. I was sent two XXXX statements. The second statement claims I have made no payments and now I have received a XXXX statement showing I owe a double payment. This happened last year and after the bank rejected all of my complaints and held by their claim ( about six months of back and forth ) it took two better business bureau complaints a filing with the Consumer financial department to finally resolve it.
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (FL)

1. I opened a free business checking with BBVA Compass in XXXX 2. I opened a personal checking with BBVA Compass in XXXX 3. Unbeknownst to me and without my permission, a {$1000.00} line of credit was opened in my name and attached to my account 4. I closed my free business checking in XXXX XXXX and kept my personal checking. 
5. My access to business checking statements was removed from my online banking, and I have since been requesting copies of all statements for recordkeeping and business obligations 6. It has now been three weeks since I have been promised either paper or electronic copies of my statements. I have been contacted at my home to open a money market account in this period by the same banker, but no statements 7. I am in the process of purchasing a home and need income documentation. My calls to the branch manager have left me on hold for 30+ minutes and calls to my banker, XXXX unanswered. 

I am seeking the following : 1. My bank statements for BBVA Compass account # XXXX 2. Prevention of banks like BBVA Compass from opening lines of credit in their customers ' name without their permission 3. Instruction that my banker can not pressure me into a money market account Note : I have a high balance and income. & gt ; XXXX each.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southern Management Systems Inc. (FL)

XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (CA)

After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.
Consumer complaint received 2023-04-14
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: Synovus Bank (CA)

I reported my card stolen. First progress proceeded to allow more than $ XXXXin unverified charges. First progress refused to respond to written inquiries and hung up on me when I called. 

It is now apparent that this was all fraud so they could steal my {$500.00} deposit. If that were not the car then I would have received the copies of the signed or pin verified charges. They could not provide them, so the intention was evident.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

I have a mortgage with Freedom Mortgage ( FM ). I did not choose this company. My loan was sold to them. Payment is due the XXXX of each month. I pay {$3200.00} on the XXXX. In XXXX of this year, due to the holiday, my payment was made and accepted on XX/XX/XXXX by FM for {$3200.00}. Later in the month, I received notice from FM my XXXX mortgage payment was not made. I checked my account to see they received my payment. Confused, I spoke to a FM employee on Friday, XX/XX/XXXX, to find out my payment was changed to account for a shortfall in my escrow account. I was charged a late payment because my money was put into a holding account and not applied to my account due to being considered a partial payment. I asked the rep. To seek approval to cancel the late fees for the confusion and stated I would send the {$100.00} the next day. She got approval and we ended the call. I made payment for {$110.00} the following morning, a bit more than {$100.00} she requested. XXXX XXXX, my bank, shows the money taken from my account Monday XX/XX/XXXX. All was done and I made my XXXX payment to cover the new requested monthly payment. On XX/XX/XXXX, using XXXX XXXX, I found my credit score dropped more than XXXX points to find FM reported I was 30 days late on my XXXX payment. I immediately called FM to plead my case and they would not work with me. I made my XXXX payment on time and paid the new difference within one business day of knowing my payment was changed. I would like to have my credit report updated. I could see if I did not send my total payment. In this case, stating I did not make payment when they had {$3200.00} of the needed {$3300.00} for the month of XXXX is just wrong. To repot me for failure to make a payment on their inability to tell me on my call with them on XX/XX/XXXX I was going to be turned in is not good business. They have no heart for the working man proud to say in 30 years I have never been late on a mortgage payment. Help is needed to make this right.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (CA)

I already hard a regular Prepaid card and got a offer for a credit card had no balance I got paid on my regular card and transferred my money onto the repair credit card! And now they said it was a credit they gave me I have proof on the statement saying that money was transferred from my regular Prepaid chime card! I tried to dispute this on XXXX but they won't change it!
Consumer complaint received 2023-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MD)

hunter and Warfield has attaches a debt that does not belong to me also the person has the same name but different social per usc 1692 a states that a consumer reporting agency must write or call or send letter to the consumer in reference to that debt however they have not per usc 1682 states that i have a right to privacy usc 1682 also states that i have a right to a fair credit report also debt buyer does have the original assignment nor does this company have the right to collect on the debt the debt does not belong to me
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

I took out a federal loan on XX/XX/1992 at the time I was only XXXX years old and had no legal guardian present to authorize the loan. The school in question XXXX XXXX XXXX XXXX located here in XXXX is now closed and has been for quite some time due to these fraudulent practices. Since then I have experienced extreme financial hardships and have had several of my federal taxes seized and offset. The loan was a stafford loan and one of the lenders was with XXXX and now Pioneer credit corp is the agency trying to collect this debt. The loan has been handled by several different agencies in the past and continues to haunt me. I dont feel I am legally responsible for this loan due to my age at the time and desperately need this matter resolved forever.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

A duplicate charge of {$89.00} from XXXX XXXX occurred on XXXX/XXXX/2016 ( original charge posted XXXX/XXXX/16 ) and multiple disputes were submitted by the primary cardholder ( XXXX XXXX XXXX, her son XXXX XXXX ( who has POA ) and her daughter in law ( XXXX XXXX XXXX who was added as an authorized user to Citi Card account ; however, the final resolution was that sufficient information was not submitted by the response date even though verbal contact was made 2 days prior to final letter was produced inquiring what other information was necessary to resolve the dispute.
Consumer complaint received 2022-09-06
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. (GA)

I am writing to request the name of " the company '' that Experian certified the alleged bankruptcy with. I requested the method of verification and did not receive one. Experian treated my request as disputing the accuracy. 
The consumer reporting agency ignored my request and violated the consumer law below. 

As a federally protected consume Experian violated in pursuant 15 USC 1681i ( 6 ) ( b ) ( iii ) Notice of results of reinvestigation ( b ) Contents a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian just keep providing a statement " The Company '' The letter was notarized to confirm the identity Documents attached Letter requesting the name of the company Snapshot when the dispute was opened XX/XX/XXXX Results of the dispute XX/XX/XXXX without providing the description.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX, President, CEO and Chairman BANK OF AMERICA AND XXXX XXXX XXXX XXXXFORECLOSED AND SOLD MY HOME WITH FABRICATED DEEDS. I AM REQUESTING INFORMATION ON THIS ILLEGAL SALE. 
Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX - REQUEST DOCUMENTS FOR VERIFICATION OF SALE WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

I have a Ar. Child Support ENF on my credit report that i would like to dispute, because i do not or have not ever had to pay child support in my life time. They contact number on my report is XXXX can you please help me get this information off my record please.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

cros ref XXXX this is what the cr bur saying XXXX {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could dispute
Consumer complaint received 2015-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

I have contacted LexisNexis via their email at consumer.documents@LexisNexis.com and provided them with authentication documents including my driver 's license, social security card, and a recent utility bill for my current address. I have attached them here as well. 

I am needing them to update my business phone number for my business called XXXX XXXX XXXX XXXX. The correct and current phone number is XXXX.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I have called several times to Experian on the number listed on their Website under contact us. Every time, including today XX/XX/21, I get an inept Customer Service Rep that puts me on hold then hangs up on me. All I'm trying to do is fix the Information on my Experian membership to correctly reflect my true Bank Accounts. 

Worst Customer Service experience ever, never can get a competent human to address the issue.