davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

XXXX Lendee called Ditech, the lendor to inquire on balance owed. representative from lendor gave a figure of {$2800.00} and explained that as of XXXX a new lendor would have the loan and to make to sure to call the new lendor to obtain loan account # and ways to pay. 
XXXX a statement was received from Ditech by lendee showing a balance of {$10000.00} in which {$5800.00} was supposedly escrow balance. 

the monthly payment amount since conception of loan was {$610.00}, taxes and insurance were never escrowed. 

lendee was not in default on taxes, there were 3 total paid by lendor. however it was not a necessity because lendee paid taxes via a payment plan with the county and has done so for the past 12 years. lendee was not nor has been in default for county/land/school taxes. 

XX/XX/2020, Lendee sent a letter to lendor requesting a breakdown of all charges, paid, unpaid, dates and who was paid on lendees behalf, lendee requested the information be put in a way that could be understood by common folk. lendee received a loan history summary about 60 days later. The summary was too complex to be understood. It was what is internally used by folks who know the codes for mortgages etc. 

lendee sent another on XXXX letter to lendor and the lendors attorney requesting the same information again and again requesting it be written in a way that could be understood. over 60 days later once again, lendor sent to lendee another coded internal payment summary. 

from XX/XX/2020 to XX/XX/2020 Lendee sent a total of {$19000.00} reiterating that on XXXX Lendor stated the total balance owed to that date was {$10000.00} then taking into consideration the normal mortgage payment of {$610.00} x 8 months would be a total of {$4900.00}. Since the lendor paid taxes and now forced us into an escrow payment that amount would only be {$160.00} making a total monthly payment of {$780.00}. the lendor was attempting to charge a monthly payment of {$1500.00} to pay up the escrow, pay current charges and future charges. 
Lendee paid $ XXXX in 8 months. lendee stated the total due was {$10000.00}. 8 months of regular mortgage bill and escrow charges for future escrow payments should have been {$780.00} ( total taxes per year is {$1900.00} ) making that a total of {$6200.00}. 
{$6200.00} + $ XXXX {$16000.00} $ XXXX $ XXXX - {$2700.00} ( overpayment to lendor ) lendee also is inaccurately stated that they had to force insurance on lendee due to not having home owners insurance. lendee has sent proof of such many times to lendor. Matter of fact the binder of the XXXX insurance sends the proof to lendor each time as well. therefore lendor forced lendee to pay insurance in which is part of said escrow amount as well, according to the lendee. This is a enormous mistake on lendor part and is one of the several inaccuracies that has caused the lendee to now worry about losing the only home they have. 

lendee stopped accepting payments as of XX/XX/2020 and started the forclosure proceedings.
Consumer complaint received 2021-12-09
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (PA)

I discovered two unauthorized credit inquiries when I checked my personal credit report, which I obtained from your company on XX/XX/2022 via XXXX. 

These lenders are unfamiliar to me, and I don't recall giving them permission to run a hard inquiry on my credit report.
Consumer complaint received 2022-08-22
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. (VA)

HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds. 

I have been impacted by XXXX. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by XXXX, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I believe Capital One Bank ( USA ) N.A. wrongfully denied my credit card increase request submitted on XX/XX/2021 due to me filing a credit report dispute on XX/XX/2021 against information reported by Capital One Bank ( USA ) N.A. with the major credit reporting bureaus including XXXX. 

XXXX. On XX/XX/2021, Capital One Bank ( USA ) N.A. provided a denial letter that stated they used a credit report from XXXX dated XX/XX/2021. 

XXXX. I believe Capital One Bank ( USA ) N.A. used an older and disputed credit report, which has since had information corrected, to wrongfully denial my credit card increase. 

XXXX. The factors stated within Capital One Bank ( USA ) N.A. denial letter are no longer accurate due to the XXXX investigation involving XX/XX/2021 credit report dispute as they should have known. Thus, my credit scores have significantly improved. 

XXXX I believe Capital One Bank ( USA ) N.A. did not obtain a current credit report to wrongfully deny my request for a credit card increase. 

XXXX. As a current customer, I also have a good payment history with Capital One Bank ( USA ) N.A. and other creditors. 

XXXX. My credit card increase was a moderate one due to my on-time payment history with Capital One Bank ( USA ) N.A .
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Since XX/XX/2022, Capital One has prohibited me from using the money in my checking account. 

I contacted them several times and have also verified my information with their representatives, yet they still will not allow me to use the money in my checking account. 

On XX/XX/2022, I made a payment to my credit card using the funds in my checking account. Capital One reversed the payment leaving me unable to make my credit card payment. 

I have not had access to my money for 3 weeks now and am appalled that Capital One would treat a long term customer this way. I am seeking a prompt resolution to this matter.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I noticed a concerning practice by Capital One representative, XXXX at Capital One bank. XXXX recited my personally identifiable information aloud. XXXX memorized and recited the last four numbers of my social security number, recited the last four numbers of my account number, and stated the entire balance of my account aloud, more than once. According to consumer law, companies are responsible for safeguarding consumers ' personal information. The practices of XXXX do not honor this responsibility and violates my consumer privacy rights. I made XXXX aware of the substantial injury that occurred due to the reckless handling of my personally identifiable information. I expressed my concerns to XXXX before, and unfortunately experienced another breach in my privacy today. Why did XXXX recite my personal account information aloud and in violation of my consumer privacy rights?
Consumer complaint received 2022-08-18
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-22
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-22
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-23
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. (VA)

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 U.S.C 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 an account without my written instructions. 


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 XX/XX/XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC. (DC)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX Washington XXXX sent me to a debt collection service over an alleged debt from XXXX. I was not notified of this debt previously. The website attached provides an email address to direct billing questions to, and it does not work. XXXX I was not given an opportunity to pay the invoice sent by XXXX to me, after I was sent to collections, despite the invoice being the first time I was made aware of an alleged {$30.00} debt. I was not provided proof of the debt, not provided proof that I did not pay nor was I offered an explanation of why XXXX YEARS had passed prior to attempting to collect a debt. The bill date of this alleged debt was XX/XX/XXXX as per the attached statement. How can I be billed for something AFTER I was sent to collections. 


XXXX had previously invoiced me for another bill a year after the fact, and communicated to me repeatedly that it was past due ( despite the delay being caused by their error, and I paid the bill. XXXX repeatedly behaves in a predatory manner where the patients are responsible for the billing and process failures of the hospital. This is unjust. 

I attempted to communicate with them numerous times, often getting a voicemail. The most recent time that I was able to communicate with them was on the week of XX/XX/XXXX. The only communication I received from them was that I had to pay the debt to the debt collector, with no explanation of the above.
Consumer complaint received 2022-08-22
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. (DE)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-22
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Transunion & XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts 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 XX/XX/2022 ) XXXX. XXXX XXXX Bank XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Multiple disputes with XXXX and XXXX regarding an account that is no longer held by the reporting Organization ( XXXX ). Account paid to a third party once discovered, XXXX XXXX XXXX. Submitted disputes with the receipt from XXXX XXXX XXXX.