davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I wrote Experianon XX/XX/XXXX, asking for their assistance and they replied with a letter stating that I did not provide enough information. How did I not provide enough information when the letter specifically stated the account that I 'm disputing, that I needed their assistance in verifying the validity of it and gave the exact reason for my dispute? I 'm including my Consumer Financial Protection Bureau complaint with the new letter, as this is a blatant disregard of my rights. They stated that they are not going to honor my request under section 611 of the FCRA ; at no point did I say that this was ID theft. Actually, I specifically stated that I was NOT saying that it was identity theft!
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: C/C Financial (FL)

I previously had an account with Preferred Lease which I paid off in full XXXX month now. They have reported to XXXX XXXX and XXXX that I still have a balance of {$7000.00} balance on this account when the total account was paid in full. I have called their office on XXXX occasions and was told that I They have not updated to the Bureau as yet. I explained to them that I am currently in the process of purchasing a house and I need this information to be updated so my loan officer can pull my credit report. They are saying I have to wait 30 to 60 days. During the time I was making payments on my account, they reported to the Credit Bureau every month. I should not have to wait 60 days for them to report a pay off. I have a 100 % on time payment history with this company. Never late. This updated information is needed now for them to lock my rate in. I should not have to wait and miss an opportunity for a goos rate because their office is not efficient.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (MO)

My credit/debit card number ( I had possession of the card ) was compromised and used at a gas station some hour plus away from my home local. Then, there was at least XXXX attempt for use of my card the next day XXXX XXXX XXXX, 2015 ) XXXX, I am XXXX. The only reason the XXXX XXXX attempt failed is because I had called the bank regarding the " pending '' charge from the gas station that occured or had a date of XXXX XXXX, 2015 ( called immediately ). I received a letter on Sat, XXXX XXXX, that the activity was normal and no error had occured. Well unless Pennsylvania is a normal activity for me, which it is n't, the bank is just refusing to take care of a fraud issue. Granted the charge for gas was {$48.00} but had I not caught it, I could have had a major problem ... not to mention every penny counts in my household! My understanding is that I am not liable for these charges since I physically had possession of my card and the number was stolen. The bank, Regions, is being tacky and refusing to look into the " actual '' authorization activity on the account. The investigators did n't even use this information before sending me a letter of denial. I then called and spoke with a resolution specialist. I still have yet to hear anything but feel this case is being swept aside by Regions. I am being forced to jump through hoops and 2 hour long phone calls to no avail. I am the victim here! Why should it take so much for me to get a resolution?! Their actions, or lack there of, are unacceptable.
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Resurgent Capital Services L.P. (ND)

I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.
Consumer complaint received 2024-02-21
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. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/XXXX, I talked with Portfolio Recovery about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from Portfolio Recovery dated XX/XX/XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that Portfolio Recovery having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to XXXX XXXX, I was only an AUTHORIZED USER and not responsible for this debt.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

I would like to know exactly what im being charged over {$1800.00} for. I have requested the documentation several times, directly to the creditor and the credit bureaus through formal validation. I have just received a final bill that just states the amount owed, but has no itemized charges of how the bill came to over {$1800.00} in total.
Consumer complaint received 2024-02-19
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.

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 2022-08-11
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. (FL)

In accordance with the Fair Credit Reporting 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 a account without my written instructions.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (VA)

I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error.
Consumer complaint received 2021-07-09
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries made by the following companies : Inquiries : 1. Equifax Mortgage Ser on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. Equifax Mortgage Ser on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

we dispute the transactions that Wasnt us because we are out of country and we fax so many times the copy of passport to Bank of America but they never taking cared of and kick balls everytime we called. Now they sold account to debt collection company. And act like they can not do anything and they have all the record that we provide
Consumer complaint received 2018-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have a 6 figure loan with Navient because I have XXXX XXXX and stayed on campus during my XXXX. I had a loan and was laid off in 2017 and my payment plan was not the same when I got on my " feet ''. It was like the loan started over due to a life event. Not only that, in 2017 when I requested lower payment, they couldn't let me pay what I could, I either had to pay over 1,000/month or put my loan on hold because I didn't have the funds. 

I was young when I got my loans before the recession and would not have gone to school if I hd to do it again. Navient has no soul.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I recently received my credit report from Equifax and notice various inaccurate accounts listed in the hard inquires section. As listed, these are the following allegations that were reported. XXXX XXXXXXXX XXXX XXXX  XXXX ( XX/XX/2017 ), XXXX XXXX ( XX/XX/2017 ), XXXX XXXX XXXX ( XX/XX/2017 ), XXXX XXXX, XXXX ( XX/XX/2017 ), XXXX ( XX/XX/2017 ), and XXXXXXXX XXXX ( XX/XX/2017 ). All the following hard inquires were not authorized by me and I not consent to these companies to use my personal information. I have tried many times to resolve this issue with by phone but never a successful outcome.
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd. (TX)

I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Oasis Legal Finance Holding Company, LLC (GA)

Pa paperwork with wrong address and and unauthorized amount for {$2200.00} I made XXXX transactions for {$1.00}, XXXX the XXXX XXXX I did not authorize for {$2200.00}. XXXX XXXX from Oasis Financial sent me contracts with wrong address dates and amounts that I did not receive I only borrowed {$3.00}, XXXX XXXX XXXX and XXXX XXXX took XXXX for XXXX I paid off my loans in XXXX months but no one can or had explained how XXXX go up to XXXX in less than a year of the XXXX XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX XXXX XXXX... Oasis Financial
Consumer complaint received 2020-06-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX NA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

this complaint is about chase bank confiscating my excess escrow payments during XXXX while not properly accounting for those payments from me and payments made from my escrow account during the period XXXX thru XXXX that violates the cfpb consumer protection regulations and the federal law known Mortgage escrow accounting act. this act allows for chase to provide an auditable escrow statement at least once a year that can be verified by the same information that appears on a mortgage statement. 
in my case chase has been making false charges to my escrow account that include a transaction known as escrow advance recovery of {$370.00} a month for the last two years. meanwhile I am paying at least a XXXX dollars higher escrow payments than is paid out for insurance and property taxes. 

if we look at this practice for chase XXXX XXXX mortgage loans being serviced by XXXX in XXXX ohio the figure amounts to over a $ XXXX dollars a year that is not accounted for or as in my case may not being retured to the homeowner and mortgagor. 

chase has continue to stonewall me on this issue and I have received documents from XXXX that show these discrepancies in detail that indicate that chase uses two sets of books to service mortgages. one set for financial reporting and one using allegedly the XXXX platform on a desktop pc. the XXXX systems are not compatible and put out false information. chase sent me a escrow refund check when I refinanced my home at the end of XXXX for {$880.00}. 
I paid into escrow almost {$4000.00} for the year and chase paid out almost {$3800.00} that means the check that check was almost {$8000.00} short from previous years where chase was charging me higher escrow payments. their computers showed I was five payments ahead in my mortgaeg that was paid to emc mortgage during a mortgage modifcaton that included escrow paymens in excess of {$9000.00} all of those payments and escrow funds disappeared and were not credited to my new mortgage with chase. the old account number was XXXX and the new account number upon transfer to chase from their subsidiary XXXX in XXXX the point here is that chase appears to be putting all these moneys into their pockets and not paying federal income tax on this undeclared income. I have objected of these chase mortgage servicing practices to XXXX and the head of chase banking XXXX XXXX and his replacement since his removal form that position. chase continues to stonewall me on this and use these methods to manufacture defaults by raising mortgage payments while putting escrow funds into their pockets allegedly. i demand as a j p morgan stockholder a complete accounting of my mortgages with chase including the second trust from the past and audit of XXXX about their alleged fraudulent mortgage servicing practices.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XX/XX/XXXX, I filed a dispute with Chime bank. I had paid XXXX for a teen driving services and the services was never provided through XXXX XXXX XXXX in XXXX, Oh. Due to the fact they never had any sessions available. When I called and asked about it, I was told that I would just have to keep trying to find open sessions. I could not. I also emailed the company to receive a refund and never heard back. I was told by Chime bank that my dispute would be settled no later than XX/XX/2021.. Once that date came they stopped answering my messages concerning the status of my dispute. I have to call and I am told that it is still being investigated. As of today XX/XX/2021 I have no update on the status of my dispute They refuse to let me speak to the investigative team to see what is taking so long and wont give me any information about the status of my dispute.