davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

My mortgage has transferred ownership two times. It began with IndyMac and then was bought out by XXXX XXXX and then shortly thereafter, was bought out by OCWEN Loan Servicing , LLC . Currently my adjustable rate mortgage is serviced by OCWEN. I have never held escrow on any mortgage and have always paid my own property taxes and insurance with no default in payment. In XXXX of 2015 I was issued a statement saying that I owed {$3300.00} in escrow fees and my monthly payment would jump by nearly {$700.00}, in addition to a rate hike. I did not opt for an escrow account, they simply issued it to me without my consent. Both I and my insurance XXXX have submitted supporting documentation to them with current insurance and property tax accounts SEVERAL TIMES and they refuse to remove this charge of escrow from my statements, even after I wrote a letter to them telling them that I would not pay into escrow and would only pay principal and interest, as I always have. I do not want this to adversely effect my credit, which I am struggling already to improve so that I can refinance with a more ethical lender. They have imposed a financial hardship to me and I believe they have done so in attempt to force me to go into foreclosure, even though I have never fallen behind on my mortgage payments and I have about $ 200K in equity on my home. It has reached borderline harassment. They call me even though I have already made payment ( reflected in my bank account statements ) and tell me that I have missed payments. They need to be investigated and pay appropriate consequences for their blatant predatory lending practices.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (OH)

I am currently 2 weeks behind on a payment. I contacted the company and acknowledged the issue. 
On XX/XX/20, between XXXX and XXXX. 
I received 12 text messages in 1 hour from the company telling me to pay it. 
I contacted the company and asked them to stop, they said no and it turned into an argument. This contact was made after XXXX and then received 2 text messages again with in the first half hour. 
So now as I am writing this message, we are at 15 communications in 1.5 hours.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 No Bank have authority to hold any deposits or funds. Regulation E and EFTA ( electronic funds transfer act ) you can release my funds or you will have a lawsuit against you really soon. 

Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E &  EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ID)

Last month, I made a payment online for my monthly mortgage payment. I received an email from the loan servicer confirming that my payment had been processed. This month, I went to make another payment online and found that the loan processor had not processed my payment from last month and was going to charge me {$10.00} for late payment for last month 's payment, plus I now owe for this month. I paid both payments online, including the {$10.00} late fee and then called to see what happened to last month 's payment. The loan servicer confirmed that they received the online payment last month, but had no idea why it didn't go through. She said it was probably an internal processing error on their part. However, she would not refund my {$10.00} late fee because she said her system wouldn't allow it, and it was too bad that I didn't call to pay over the phone because then they could have removed the {$10.00} late fee.
Consumer complaint received 2020-04-30
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. (PA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Barclays site does not allow entering the full length of all possible checking account numbers. They simply cut off the last digits and don't warn the user. 

They also let you make payments, not just once, but twice or more on an invalid account number. They will also charge you a return payment fee for each time this occurs even though the error is partially due to their faulty web site. 

They refused to refund the fees, or even reduce it to one charge even though they know the account as invalid per their letter. 

This was not a old account, this was a new account and I was simply trying to get bill pay work properly.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I am submitting to follow up on my prior communication with the Consumer Financial Protection Bureau, dated XX/XX/2024, regarding a late payment entry on my credit report. I contest the accuracy of the reported late payment, as I have successfully settled the associated account. Despite my attempts to address this matter directly with the creditor, the issue persists. I am formally disputing the late payment entry on my account, and the specifics are outlined below : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance Owed : {$410.00}. My dispute is grounded in the fact that I have fulfilled all necessary payments and obligations outlined in the settlement agreement for the specified account. I maintain that the late payment entry is inaccurately affecting my creditworthiness. Despite my efforts to resolve this matter by providing evidence of the settlement, the late payment entry persists on my credit report.
Consumer complaint received 2022-09-12
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. (TX)

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2018-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (RI)

Hello, I have a 2nd mortgage ( Home Equity loan ) with CitiMortgage, Inc.. Back in XX/XX/2013 I went through a bankruptcy which was discharged in XX/XX/2013. Since that time I was receiving monthly mortgage statement from CitiMortgage, Inc. However, for the past 3 months I did not receive any. Also, I did not receive any notifications stating that CitiMortgage, Inc. will stop sending me the monthly mortgage statements and the reason for it.

This week I called Customer Service Department and was told that because of the bankruptcy CitiMortgage is not required to provide me with a monthly statement. Is this correct? How can I find out otherwise what is the outstanding balance?

Is there a law/regulation that would make CitiMortgage provide me with a monthly statement? 

Thank you.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX  XXXX  {$3000.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-04-21
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. (TX)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX of XXXX. Which is untrue.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

Ok, Long Story short Navy Federal Credit Union was supposed to help me as I had an issue with XXXX XXXX  charging me for months after I had cancelled my membership with them. XXXX XXXX refused to help until I filed a complaint against them with the XXXX XXXX XXXX. I had to actually complain to them 3 times before they even acknowledged me and as prior mentioned refused to help me and I went to the XXXX. I mailed them a form that they sent me with the dates and billing information. To be safe I even mailed them a copy of the cancellation form showing my membership with XXXX XXXX was cancelled. I did innitially get credited the money while they investigated the issue. Since then they have taken a portion of the money back refusing to help saying that a membership agreement clearly dated 2 years before the date of membership cancellation is proof that the transactions were 'authorized ' since not only has XXXX XXXX refused to help me they have ignored my complaints about how one of their employees told me to " shut up and accept the results of the through investigation ''. Calling a membership agreement dated 2 years before the cancellation form I mailed to them to prove the transactions were Not authorized is a clear showing that they did not investigate throughly. Upon reminding them I sent them a copy of the cancellation form and that a look at the dates on the forms shows the membership agreement is dated well before they switched from saying that the reason they took the money back is now due to the transactions being older than 60 days and not that they were authorized. I had to even then fight to get a portion of that money back as they tried to take the full credit even though two of the transactions were within 60 days of the complaint they actually agreed to " investigate ''. I also know I am not the only member of this credit union to have this issue with the gym in question as a representative of Navy Federal had informed me that several members of XXXX  XXXX whom cancelled their memberships have encountered the same issue as me. I have now been forced to pay several bills late and incurred a returned check fee cause of lack of funds in my account for another bill because of XXXX XXXX choosing to side against me and call me a liar. I honestly believe they sided with XXXX XXXX out of spite because I reported them to the XXXX  for refusal to assist me in this regard. I have been put to the point where Navy Federal has me looking into legal action against them as well as XXXX XXXX.
Consumer complaint received 2020-04-30
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)

Around XX/XX/XXXX, I was not able to obtain a mortgage loan because when the bank lender dug up my credit report at Equifax, they found that under my SSN and credit report I already had a mortgage loan, which was odd to me because I had never taken out any mortgage loans. I later found out that Equifax had mixed my accounts with my brother 's accounts, because that the mortgage loan was his. We have very similar names and very similar social security numbers, off by one consecutive number. 

I called Equifax on XX/XX/XXXX and wanted to dispute these accounts because of CLEAR ERROR. After being put on hold for an hour, the representative told me to mail a cover letter to include my name, address, email, phone #, reason for mailing, Driver 's License, W-2 in lieu of my social security card, and proof of my brother 's accounts that I wanted to dispute to the Equifax Dispute Department at XXXX XXXX XXXX, XXXX, Georgia, XXXX. 

I mailed my dispute to Equifax on XX/XX/XXXX to the address they provided me, and still haven't heard any response. As of XX/XX/XXXX, Equifax still hasn't taken any action on my case. 

On XX/XX/XXXX, I managed to obtain a complete copy of the credit report from Equifax under my SSN, and behold, my report had my brother 's name, birth date, and numerous accounts that were his, including the mortgage loan mentioned above. UNBELIEVABLE. 

I called Equifax on XX/XX/XXXX and was put on hold for 40 minutes, and another representative told me to mail the same things to the same address to dispute my credit report.
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (FL)

This company " AssestCare LLC '' calls from phone number XXXX XXXX XXXX XXXX and says the call is being recorded without getting consent, Florida is a 2 party recording permission state. They do not identify themselves and ask your name and to verify your date of birth. When you ask who they are they hang up.
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services Balance {$100.00} In my transcript from the collection agency ARS, they did not include my HIPAA Disclosure. You have violated my HIPAA rights and I demand you remove this from my credit report. I will take the necessary legal actions if this is not removed immediately.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (IL)

The company called XXXX XXXX, holding my debt from CITIBANK, NA ( BEST BUY ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
XXXX XXXX account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls is attempting to collect a debt on my credit that I do not owe. This debt is past the statute of limitations in Utah. I do not owe this debt. Also, it is so old that it is past the credit reporting limit per the FCRA. I am requesting that this account be removed off of my credit report.
Consumer complaint received 2020-04-30
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-12
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. (PA)

XXXX is in Violation of 15 USC 1681b Equifax is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b