davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NY)

BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (TX)

I took a personal loan of {$1000.00} plus a 29.26 % finance charge with a company called XXXX, in XX/XX/2023 and paid off my loan in XX/XX/2023, after the loan was sold to a new company without my knowledge - SST. 
The new company continued to collect payments via electronic withdrawal from my bank account, stating I owed additional money. I have overpaid the {$1000.00} loan I initially took. I had to block SST from taking additional money. SST reported me to three different credit bureaus.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

Customer had XXXX fraudulent transactions in checking account in early XXXX, 2023. 

XX/XX/XXXX - XXXX dollars XXXX XXXX  XX/XX/XXXX - XXXX dollars XXXX XXXX XX/XX/XXXX - XXXX dollars XXXX XXXX XX/XX/XXXX - XXXX dollars XXXX XXXX I noticed the fraudulent charges, froze my account. Got a new bank card. Originally was credited the money back to my account on XX/XX/XXXX. 

Money was taken back out of my account on XX/XX/2023. Key Bank said that I authorized these transactions, which I could not have as I have no account or have ever used XXXX XXXX. I was told that I had to contact XXXX XXXX to settle the dispute ( told by Key Bank ), but no information was sent electronically or through paper mail. 

Reached out to XXXX XXXX, filled out necessary paperwork, but was told I had to go back through Key Bank. I had called weekly until my dispute was sent to executive offices at end of XXXX. I have still not been provided any update as of XX/XX/XXXX, when I called them for the 4th time. Explaining that I have filed a compliant against Key Bank with CFPB for lack of information and refusing to return money to client.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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.

has violated my rights. Or a 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 2015-03-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan. 
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.
Consumer complaint received 2024-03-02
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. (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 2022-07-20
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)

I have accounts that I disputed that they alsaid are correct but they are not. The dates are wrong. Under the FCRA they are to investigate and report 100 % accurate info. How was it accurate if the. Last reported date is wrong and last activity date is wrong. These accounts should be deleted for in accurate information.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation (VA)

On XX/XX/2021 and XX/XX/2021 Fortiva ( Fortiva XXXX ) ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Big Picture Loans, LLC (VA)

on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Consumer complaint received 2015-05-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (TN)

Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. ''
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I am a victim of identity theft. A credit card accounts has been opened using my name and SSN When I was overseas for the last 13 years. 
When I discovered the fraud I contracted the bank to stop the account and filed an FTC and police report. 
When I asked the bank to send me no responsibility letter because I did not open the account and the charges on this account happened when I was abroad the bank is refusing to do so. 
Again I did not open this account and did not give any authority to any one to use my name to do this fraud. 
Information on this account like phone number and email address doesn't belong to me
Consumer complaint received 2019-02-21
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

On or about XX/XX/XXXX I received a final payoff notification of our new mortgage which I had requested. The payoff was calculated for payment as of XX/XX/XXXX and the address to which payoff was going was in-state approximately 100 miles away. On XX/XX/XXXX I withdrew the requested funds and purchased a money order as instructed and mailed the check immediately. On the morning of XX/XX/XXXX the check was returned due to insufficient funds even though the amount was what was requested. I called immediately and through much confusion was finally told that the payment was not received/processed (? ) until XX/XX/XXXX and therefore was nonsufficient. I will not believe that it took 2 weeks for that check to arrive but they only argued that it was late and it was my responsibility to have it there on time and they would not even consider the date stamps from the USPS showing pickup/delivery. I now have had to travel 15-20 miles back to the Credit union to cancel the check and draw a higher amount due to additional interest as well as pay an additional {$25.00} to wire the funds to eliminate any further problems.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

I have a collection account to " Trident Asset Management '' ( TAM ) in the amount of {$400.00}, opened on XX/XX/2015. The debt claims to be a a XXXX account, except I had an open and active XXXX account when this was initiated. I have made several attempts to dispute the account, but TAM continues to " confirm '' the account. I have made attempts to see their information they use to " confirm '' the information, i.e. my signature on a contract, but the company does not acknowledge my request. XXXX also fails to acknowledge the account or provide information. I have ZERO KNOWLEDGE of this account and request it be removed.
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Diversified Consultants, Inc. (MD)

I have received multiple notices regarding this debt with XXXX from many different companies. My attorney previously notified DCI on XXXX XXXX, 2015 that I disputed this debt and that any further communication should be with my attorney. Despite this, I received a letter directly from DCI again on XXXX XXXX, 2015.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I started receiving phone calls from a collection agency, Portfolio Recovery Associates, LLC. regarding a credit card that according to them was opened about 5 years ago. I informed the collection agency that the debt was not mine and I had no knowledge of the debt they were referring to. I informed them I have no idea who they are and that I never had an account with them. I advised them to send me documentation of what they were referring to. I received info from them that they bought an account in my name from XXXX XXXX. I have never had an account from XXXX XXXX and again they were told that this is not my account and I am disputing this bill. I asked them to provide any kind of information ( check payments, my signature etc. ) to prove this is my account. The only thing they sent were bills in my name. I have repeatedly asked for more proof but have not gotten any. I keep telling them I do not owe this debt and I have no knowledge of this debt -- -- -it is not mine!!!!! I am constantly being harassed by this company after I asked them to stop. I believe based on the FDCPA laws they are breaking federal rules. I am receiving harassing phone calls practically every day. They have put the collection on my credit reports. I have repeatedly disputed this bill to no avail. I need this to be removed from my credit reports as this is reporting negatively against me. Thank you for your prompt attention to this matter.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Consumer complaint received 2021-06-22
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. (MS)

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Corporation (WV)

I incurred an emergency room bill after being injured while attending a funeral outside of my home state. Days after I was treated, the hospital closed and did not file the invoice with my insurance company. Instead, a collection company, RMC, was given my file to collect in full without any insurance filing. I have spoken to RMC directly several times, and at one point, provided them with the name and number of a representative at my insurance company who said she would be glad to assist them in getting paid for my claim but RMC did not follow through on that and instead, opts to constantly call and write while each time I tell them that I have insurance that would pay this in full. They are using harassment techniques rather than simply filing the claim or having the hospital file the claim. I do not know how to help them help themselves, and neither does my insurance company. They need to do what 's right.
Consumer complaint received 2019-02-21
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. (CA)

XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, XXXX XXXX
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1.  XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Consumer complaint received 2015-11-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SCV Inc. (FL)

I expressed to the debt collector who initially called me about a payday loan that was taken out in my name that i thought it was a case of identity theft and that i requested papers to be sent to me through mail and I have yet to receive them. She transferred me to another person ( male ) who said " looking at your file, it is apparent you dont pay any of your bills '' and cursed at me and hung up on me. All of this when i was just trying to calm him down from being rude. I told him that wasnt neccessary the way he was speaking to me, and this man hung up on me before i could get any other information.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

I would simply like to know how Wells Fargo justifies the demand letter sent on XX/XX/XXXX, and the attached call recorded on XX/XX/XXXX when there had been no decision on the PPP loan forgiveness review until today XX/XX/XXXX, and no decision letter sent til XXXX of XXXX
Consumer complaint received 2016-05-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: STERLING JEWELERS, INC. (TN)

Well I have been a victim of identity theft and I 'm still is a victim I contact the agency and the credit breau to provied me document showing that the accout is minds the agent is Kay jewelers the credit breau is XXXX I want documents or have the account remove of my file if they ca n't provied document.
Consumer complaint received 2015-10-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

I received a notice of intent to collect a debt from BSI Financial Services and when I mailed my dispute along with my debt validation, and qualified written request they refused to comply. They keep sending me payoff letters stating they are attempting to collect a debt. I requested them to validate the debt which they have n't done. They have only responded with letters stating they are attempting to collect a debt. I have attached copies of the letters sent to their company.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My car loan with XXXX was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed immediately.