davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: First Colony Mortgage Corp. (CA)

XXXX XXXX XXXX. First Colony Mortgage ( XXXX ) XXXX did not Relinquish the Keys to my houses which should have been done No later than XXXX XXXX, 2012 based on No matter what they are you XXXX when he or she gets the XXXX and claimed with faxes and foot step on land rule. The person is accounted for paying the XXXX from SSI and Welfare and the Direct Deposit Abduction Law is not neglected.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I was notified through XXXX that there was a credit alert on my account. The alert said that AES was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my AES account and could clearly see that my contact information had not changed. I reached out to AES via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact AES by telephone. I explained that I was looking at my contact information on the AES wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through XXXX which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if AES was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of AES.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I was formally a XXXX XXXX borrower and a few years back they offered to consolidate my loans into XXXX loan. Later they converted my loan to Navient. Last year I heard about student loans forgiveness that was offered for people who work for a non-profit public health entity. I questioned Navient about this type of loan and all they would tell me was they did not service those type loans. I tried to convert the loan with XXXX and get my status recognized. I had my employer fill out paperwork and it was rejected because I was in the wrong type loan. I feel that the proper type loan was not offered to me ever and I have been taken advantage of by XXXX XXXX.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

On XXXX I made an online mortgage payment to Carrington Mortgage Services. On XXXX I was informed that the payment was returned from my bank, so I made another payment and stored my routing number and checking account number. On XXXX i was again contacted by Carrington, who informed me that the payment was returned and that I " must have put in the wrong number. '' And, that I was turned into the credit bureau. I talked to another person on XXXX who verified, that I indeed had the correct information stored. I filed a complaint with the client advocacy department who said they would investigate -- received a phone call back, could not understand the return phone. So I have owned the home for almost 10 years, 8 1/2 which was with XXXX. Never, ever had a late payment. it is impossible to get through their main number so I go through XXXX. So the Carrington rep. on XXXX verified that the correct info. was stored, so they said they would pull the phone call. In the meantime, the only late ( false ) mortgage payment ever reported to the bureau. Plus, when I made the payments on XXXX and XXXX electronically, I received a confirmation email saying the payment was made. I believe they are committing fraud and need to be investigated because i see many other complaints online about them for similar reasons.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (GA)

I made a monthly mortgage payment when in XXXX IL at the USbank branch on XXXX XXXX, on XXXX XXXX for XXXX paymentthey ship the payments off to a center and I have been getting calls fromtheir collection area since the right and left hand do n't know what they are ddoing. XXXX the mgr at this branch ca n't not get an answer either. I havea receipt of this deposit. 
thanks for contacting them to find out where my payment is and why ithas not been processed. It is hurting my credit and will cause issues soon. 
XXXX XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been a victim of Identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me. I am submitting this complaint today to inform you about this matter. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MI)

My husband was recently approved for a new Citibank credit card ( for Costco ). We keep our finances separate for personal reasons, so he encouraged me to apply for one. I was turned down, solely for the reason of having an old bankruptcy on my credit. I believe this is gender discrimination because he has the exact same bankruptcy record on his credit! Plus, my income is higher than his!
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I HAVE NEVER, EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX BANK. I HAVE NEVER HEARD OF THEM BEFORE. I NEVER OPENED AN ACCOUNT WITH THEM. I HAVE NO CLUE HOW THIS ACCOUNT SHOWED UP IN COLLECTIONS ON MY CREDIT REPORT WITH BOTH EQUIFAX AND XXXX XXXX. 
THANK YOU.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 2024-02-13
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. (TX)

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 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2015-05-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.
Consumer complaint received 2023-05-08
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: SYNCHRONY FINANCIAL (TX)

A collection account was added to my credit report XX/XX/2023 by XXXX XXXX XXXX. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX Department of EDXXXX SYNCB/GUITAR CENTER SYNCB/TJX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was originated with XXXX XXXX and in XXXX of XXXX the loan was moved to be serviced by Mr. Cooper. I am a diligent payer of my mortgage and usually pay over the amount due to pay down principal and discovered I was dunned a late fee in XX/XX/XXXX. I noticed it and reached out to customer service and they refunded the payment ( albeit after a bit of a struggle as I had " paid '' the late fee ). I continued to pay my mortgage and excess principal monthly and discovered in XXXX of XXXX that I was again charged a late fee and when I looked back I had been charged late fees for every month in XXXX. It turns out that on the statement the verbiage stating when the payment is due instead of saying that the payment is " due by '' it states " If payment is received on or after *** a $ *** late fee will be charged ''. I assumed that if the payment was received by the " due date '' it wouldn't be subject to a late fee but I didn't realize that the payment was actually due the day prior than what was on the statement. I've now called them three times and they refuse to refund the late payments stating that I already paid them ( since i pay over the amount due every month ). There is no reason why i would be intentionally paying my mortgage one day late and paying a late fee. I think they intentionally put this date in place in order to garner late fees. I would look into the number of late payments they have received and charged to their clients that are only one day late as I may not be the only person who doesn't read this fine print.
Consumer complaint received 2018-03-16
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: WELLS FARGO & COMPANY (OH)

I made a call to XXXX  about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  Ran unauthorized inquiry on XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Consumer complaint received 2024-02-14
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. (MO)

In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 1. XXXX XXXX 2. XXXX 3 . XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7 . XXXX 8 . XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (GA)

I previously had a numerous amount of debts with this company and they were resolved back in XXXX. I received a new letter today XX/XX/XXXX advising me about a debt from XX/XX/XXXX {$360.00} XXXX number : XXXXwith XXXX XXXX. Currently listed at the Aargon Collection agency in NV. I called the representative said all my other debts were resolved. And this one in particular is FRAUD! Ive NEVER lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX so this utility bill from XXXX XXXX would not be mines. I would like it to be deleted as I dont need fraudsters trying to screw my credit that I worked so hard to fix up! I would like to report this as fraud and want it to be removed ASAP! 

Ive attached supportive documentation showing a letter from XXXX providing this debts were resolved back in XXXX! Ive also attached the new letter to this claim!
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank XXXX XXXX XXXX Bank NA ) REFUSED to provide my XXXX score and reasons for denial of a declined loan application. 
( in violation of the Equal Credit Opportunity Act XXXX They only provided the toll free number to the credit reporting service XXXX automated system that could not provide any information ) XXXX/XXXX/2015
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my  credit score f or  XXXX  company.