davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (WI)

RE : GREGORY FUNDING MORTGAGE SERVICER, OF XXXX XXXX, CA XXXX XXXX XXXX XXXX TO PAY MY ESCROWED PROPERTY TAXES BY YEAR END XXXX AS REQUESTED! 
I'm filing a Formal Complaint against my Mortgage Servicer, Gregory Funding for REFUSING to pay my Property Taxes by Year end XXXX, as I requested several times via email, on the phone & via fax on their formal letter form as requested. 
XXXX XX/XX/XXXX, I faxed a formal request to my Mortgage Loan Servicer, requesting that my Escrowed Property Taxes ( that I paid on time monthly via my mortgage ), be paid by Year end XXXX, to my City Taxing Authority to ensure I receive a Tax Receipt by Year End XXXX, showing I paid my Property Taxes. 
**On XX/XX/XXXX, I called as a follow up reminder & was advised that they will mail the taxes by the due date of XX/XX/XXXX. I advised the rep that I needed to speak to a manager in the Escrow Department to ensure me my Property Taxes would be mailed by year end XXXX. I was advised to wait until next week because they mail the taxes in batches & if I do not see that my payment was received, to call back & email Gregory Funding Escrow Department ** On XX/XX/XXXX, I called the City of XXXX, WI & asked if my property Taxes were paid yet. I was advised NO by the Treasurer 's Office. So, I sent an email to Greory Funding on XX/XX/XXXX @ XXXX requesting that they mail my Property Taxes by XX/XX/XXXX ** I called Gregory Funding again on XX/XX/XXXX & spoke to the Escrow Dept - a rep by the name of XXXX XXXX She advised me that they will mail my taxes by XX/XX/XXXX - the bill due date. I advised her that I faxed a formal request XX/XX/XXXX, & was assured by completing the tax request form, my Taxes would be paid by XX/XX/XXXX, not the due date of XX/XX/XXXX. XXXX stated that they are not required to pay taxes by year end & disconnected our call. I called back & was on hold for over XXXX hour before I hung up. 
XXXX XX/XX/XXXX, I sent another email to Gregory Funding- Attention Escrow Dept requesting an immediate response to the lack of customer service & to assure me my Property Taxes were paid by year end XXXX. I never received a call nor email **As of XX/XX/XXXX, My Property Taxes were not paid for XXXX
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (CA)

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The accounts need to be removed as it is fraudulent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )
Consumer complaint received 2020-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My CapitalOne card was first used without authorization XX/XX/XXXX then on XX/XX/XXXX and XXXX, each time for {$59.00} to XXXX. Those charges have been removed each time except for most recent one. 
The problem is I have to spend HOURS on phone with Customer Svc, then await a new card ( I am on my 4th card in 2 months! ). I spoke with them many times to stop recurring charge but am told this is a " subscription '' and, even though I had nothing to do with originating the charge, I/they can't stop it. Visa, not XXXX, sends new card # immediately to XXXX so the charge reappears before I even receive new card. I emailed Visa and await a reply. 
On XX/XX/XXXX a XXXX " supervisor '' said this vendor, XXXX, " will be blocked for 15 months ''. Obviously this didn't happen. 
XXXX, when called, states that neither my name nor any of card numbers match any in their computer files and they insist that they are NOT billing my account even though my statement shows XXXX as vendor with their correct name & address. 
There are also 2 other vendor charges, XXXX and XXXX XXXX, that recur ; they are {$9.00} each. 
but are more easily dismissed without the phone calls, new card, etc..
Consumer complaint received 2023-01-06
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX XX/XX/XXXX {$620.00} XXXX  XXXX XX/XX/XXXX {$1800.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter in the mail about a debt I dont know anything about from a company by the name of Midland Credit Management . On such notice it states I owe {$960.00} for a credit card through XXXX XXXX XXXX XXXX. Ive never applied for credit through this bank or heard of such debt.
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

My name is XXXX XXXX and I applied for and obtained HSBC checking and savings accounts a long time ago ( I forgot the exact time ). My HSBC checking account number is XXXX. At the time of my account approval, I was given a Select Credit account without my awareness. 

A couple years ago, I had an overdraft from my checking account for a few thousands of dollars. While my savings account had more than $ 20k, HSBC charged the so-called 'Select Credit ' account for the sake of charging me more interest. I fount out the Select Credit account carried an interest rate of more than 5 %. HSBC could have drafted from my savings account, where I did't have to pay any interest. Because HSBC 's desire to make more interest income, I was charged interest without my knowledge through Select Credit account which I did not even apply for. 

Throughout the past year, I contacted HSBC several times and explained the situation. They did credit me back the interest and fees each time and agreed to cancel my Select Credit account. However, in a few days each time I called HSBC, they restarted charging me fees again and never canceled the Select Credit account. Now, it is {$16.00}. While it is a small number and I can easily pay for it, this charge was unfair. What made the situation worse, HSBC put this {$16.00} into collection and was reported to the credit bureaus. My FICO score now drops from over 800 to XXXX and it affected my mortgage refinance. 

I contacted HSBC 's customer service today. They asked me to contact their collection team. I told them it is very time consuming to call another number and asked them why the customer service can't resolve this issue. I gave them a choice - either the customer service resolve the issue now or I will contact CFPB. Then I got the most ridiculous answer from HSBC - go ahead to contact CFPB. 

I reached out CFPB to help me resolve this situation. I want HSBC to credit me back the fees ( {$16.00} XXXX and to contact credit bureaus to correct my credit scores. If possible, I want HSBC to pay punitive damages to cover my time and effort to correct this situation so many times.
Consumer complaint received 2020-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX account name- XXXX account name- XXXX account name-XXXX  account name-XXXX  account name-XXXX account nameXXXX account name- XXXX account name- XXXX account name- 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 2023-01-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. 

XXXX XXXXXXXX XXXX XXXXXXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures TO ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.
Consumer complaint received 2020-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

In XX/XX/XXXX, I purchased my home. I then refinanced in XX/XX/XXXX with American Home Mortgage Corp. I am currently in the process of a short sale, however it is at a standstill due to a second mortgage being recorded by a XXXX  XXXX, when we closed I was told this would be a home equity line of credit. When I asked for help in locating the lien, I saw that XXXX  was DBA American Home Mortgage Corp and that in XX/XX/XXXX that their FHA status was terminated. I have been searching for someone to give me answers on how to proceed with settling this issue so that I may move forward. I will loose the opportunity and the approval from the first mortgage company if I do not solve this matter by XX/XX/XXXX. This is my last resort. I was told by a title company that the mortgage went from XXXX XXXX   to Homeward Residential who was bought out by Ocwen. I have tried several times to reach out to each company including Ocwen and have been told they do not have the account. What do I do now???
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (NJ)

I received a copy of my credit report and correspondence from XXXX, XXXX and Equifax stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (CA)

After Gatestone rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different gatestone rep. She advised that there were no notes to indicate written contact only and that she would update their system.
Consumer complaint received 2022-07-14
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. (MI)

When I reviewed my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed it last XX/XX/22 upon checking it. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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
Consumer complaint received 2020-06-03
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. (OH)

The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX, XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX, XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX, XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Executive Financial Consultants, Inc (GA)

I filed for bankruptcy in 2015. This account was included. My bankruptcy was closed and so were all of the accounts associated with this. This account is still being reported as open and is reporting to my credit as late every month. This is causing me economic harm. As I can not secure a home loan for my family in the middle of a pandemic.
Consumer complaint received 2020-04-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I recently contacted via email to request from American education services ( AES ) XXXX  XXXX asking if I could change my electronic monthly payment from the XXXX of the month to the XXXX of each month due to the fact that I am retired and my income in monthly social security fund that I receive I. The second Wednesday of each month. Unfortunately the second Wednesday is sometimes after the XXXX making having the funds available for my loan payment inconvenience. AES responded via email on XX/XX/XXXX granting the payment due date. My problem is that they also decided to recalculate my payments from {$190.00} to {$120.00}. This action would prolong the completion of paying off my loan and paying interest rates. I have been paying off this loan since 2002 and need to be finished as soon as possible. I simply want to continue paying the {$190.00}. I called their customer service and spoke to both a representative and then his supervisor. I was told by both that they could not change my payment due date without the recalculating of my payment. My only option would be to contact them each month and adjust the payment upward. I found this to be a thinly veiled way to exploit me and for them to squeeze more money out of me. My other option was to leave my payment due date of the XXXX to keep my payments of {$190.00}. I opted to keep the payment of the XXXX despite the constant stress this causes me. I do not appreciate the lack of professionalism and customer service shown me in this situation and would greatly appreciate your help