davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (PA)

I had problems during closing that have still not been corrected as the settlement docs were missing the escrow amount and I have called the original Mortgage person several times XXXX XXXX when I finally got thru to him he sent me to XXXX XXXX who promised to fix this. 1st email from him below XXXX XXXX, I just left you a voicemail regarding your escrow account. I apologize for the mistake and am working with our servicing department to have an escrow account set up for you. Ive attached a copy of the payment letter and escrow disclosure. Due to our error we will be covering the XXXX starting balance for your escrow account. If possible, could you please sign the attached documents and return to me? Please let me know if you have any further questions or concerns. 

Thanks, XXXX XXXX XXXX. XXXX  XXXX 2nd email Would you be able to sign and date these 2 as well? Then thanked me for signing documents I have attached my attempts to follow up with XXXX he finally asked me to call my self not really knowing what or who I was calling I made several attempts get passed to this number then that number I eventually gave up. Several months later I go to make my payment and it is now XXXX a month. I again start trying to call to address with no success. I am fine paying to get my escrow caught up its been about 3 mos now that I have been paying that amount and I am getting concerned that it is going to stay at that amount which is XXXX more than it was when I refinanced for a lower amount in which case I am paying all those fees and whatever else you charge for refinancing for nothing. With the current economy and inflation, gas prices all this planning I did to protect myself should these events occurred ended up costing me more money I am going to start filing any and every complaint against this company until this gets rectified and going thru my documents to do this I saw your email and was hoping 1 last try with the company would work out. I not sure of your position with the company but I feel like the only time I get any where with talking to anyone in this company is if my payment Is late. 

1st payment letter XX/XX/2021 Principal and Interest {$690.00} Homeowner 's Insurance {$43.00} Mortgage Insurance $ Property Taxes $ COUNTY PROPERTY TAXES A {$37.00} SCHOOL TAX A {$150.00} Other : $ TOTAL PAYMENT : {$930.00} -- this is what I'm actually paying XXXX and this is what my payment was prior to refinancing XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports
Consumer complaint received 2022-02-15
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (AL)

In XXXX I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NM)

Between XXXX XXXX XXXX, all of the money on my Unemployment Debit Card issued by Eppicard from XXXX XXXX XXXX , was fraudulently taken, {$26000.00}. I have been in possession of my card at all times. I have not shared my card or the pin. I only used it twice, both at XXXX XXXX ATM. XXXX XXXX is the bank supporting the card. I did not know about the fraud until I received the XXXX statement. Immediately I contacted XXXX XXXX XXXX and Eppicard. Neither were of any help to recover the money. The process takes a long time, waiting for responses by USPS. I have since made reports with XXXX County Sheriff Department, FBI, and NM Attorney General. Reports are taken, but then there is no follow-up. 
The fraud was used in the US and internationally. 
This money is meant to help my family with food, utilities, and expenses, as the state mandates and pandemic has greatly affected our business. Please help get the money returned. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

I was affected by the XXXX XXXX and fell past due on XX/XX/XXXX when I was forced to take time off so my income decreased. I have been requesting for XXXX XXXX relief from XXXX since then and all they did was place me on a forbearance with no modification help and the end but continue to demand the entire balance owed. I recently submitted on XX/XX/XXXX and was immediately denied for modification options and any home retention options. I have offered XXXX  {$4500.00} to contribute towards the past due but refused to review me for a repayment plan or even consider my request but are more interested in the foreclosure of my home.
Consumer complaint received 2022-02-15
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: Self Financial Inc. (PA)

A charge made to my card in the amount of {$84.00} by XXXX on XX/XX/XXXX, which posted on XX/XX/XXXX, was refunded by the merchant on XX/XX/XXXX. The refund did not post to my account. I contacted XXXX to investigate the missing refund on XX/XX/XXXX. 

XXXX took 42 days to reply by letter on XX/XX/XXXX, saying that the charge was valid and was not refunded by the merchant. 

On XX/XX/XXXX, I sent by fax and certified first-class mail a letter contesting their conclusion, including a copy of the email from XXXX which confirmed the refund was issued. I wrote, in part, " I request a full written explanation of how you resolved to assert the merchant did not issue a refund, that the charge is valid and that no error had occurred in this instance. I also request copies of any and all documentation you have, whether used in your decision making process or not, regarding this case be mailed to my address. Finally, I request the contact information of the card processing bank ( the merchant bank ) used by XXXX so I may request documentation from them independently. 

Your resolution to this case is incorrect and I respectfully ask for you to review the matter again ... As your last time to reply was 42 days, and as this matter is of utmost urgency, I require a written response within 10 working days. '' As of XX/XX/XXXX, no response has been received, nor has a credit been issued for the absent refund.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.Thank you.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We needed help with our mortgage payments after facing COVID-related employment challenges. We worked out a forbearance plan with our loan servicer at the time was XXXX XXXX but loan was sold to Rushmore in 2020. They stated that forbearance would be honored and after we can apply for a loan modification under the Covid umbrella. We found the communication process difficult because it was a struggle to get consistent information. 
We were assigned a liaison, but it felt like they were never available nor did they seem to have the correct answers. It didnt seem like the representatives documented their conversation either, because we had to retell what was going on each time. 
They told us our credit report would not be affected due to Covid and while we waited for a decision, but each month they kept reporting the negative balance. It is showing now 180 days past due although account is current.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (KS)

I have been receiving debt collection calls for XXXX XXXX for over 2 years now. I have submitted previous complaints against XXXX university and XXXXXXXX XXXX, and Halstead Financial has now called me multiple times as well attempting to collect some debt from XXXX XXXX XXXX They have told me numerous times they will take my number off their call list, but they don't and I still get calls. When I asked them out they got my number, they told me it was left as a point of contact so A ) they are lying because I have had the same phone number for almost 20 years, or B ) XXXX XXXX lied about her phone number some some credit applications or something. The XXXX, XXXX  Police Department has an open identity theft case from 2020 regarding this matter.
Consumer complaint received 2022-06-23
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 XXXX XXXX/ Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I opened an American Express XXXX XXXX XXXX credit card in XX/XX/2021, which came with unsolicited e-mails regarding credit card offers and enrollment in their credit monitoring product. In XX/XX/2021, American Express canceled my credit card account, at their discretion, when my authorized user on the account used abusive language on a phone call to American Express customer service. Despite the account being canceled by American Express, and not me, I continued to receive special e-mail offers and e-mails related to their credit monitoring tool, none of which I was able to use because my account had been canceled and closed by American Express for a reason that did not directly involve me personally. There are no " unsubscribe '' links available in the e-mails to stop these unwanted and unsolicited e-mails from being sent to me. I attempted to log-in to my closed account, and because my account was obviously closed and inactive, I was unable to log in and change e-mail preference to state that I did not want to receive any further marketing e-mails from American Express XXXX As you will note in the attached e-mails, these unsolicited and unwanted marketing e-mails were sent AFTER my account was closed by American Express. As a result, I have had absolutely no way to stop receiving these communications, and American Express does not provide any opt-out link in the e-mails themselves. I believe that American Express is using unfair, abusive and deceptive marketing practices in their e-mails to me : they are sending me unwanted and unsolicited communication regarding an account that was closed, and I have no way to remove or unsubscribe myself from their communications. American Express should have policies and procedures in place to ensure that former customers are not sent harassing, deceptive, unfair and abusive marketing e-mails with no way to remove oneself from them. Furthermore, I have tried to resolve the issue of these e-mails with American Express directly, and none of their customer service representatives has any clue who would handle such an issue. In the end, I'm stuck receiving abusive, deceptive, unfair and unsolicited marketing e-mails that may potentially contain the misuse of my personal and confidential information on my closed account. All relevant documentation showing that these communications were received AFTER my account was canceled by American Express are attached to this complaint.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several inquiries and one account on my credit report that I never opened. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from multiple companies all of which I am not affiliated with in any way. The account & inquiries listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened a few times in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards the account mentioned above. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized inquiries & account.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2 : its also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-02-15
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)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX 4. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX 6. XXXX Date of inquiry XX/XX/XXXX 7. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry10/01/2021 10. XXXX  Date of inquiryXXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX 12. XXXX XXXX Date of inquiryXXXX 13. XXXX XXXX Date of inquiry XX/XX/XXXX 14. XXXX Date of inquiry XX/XX/XXXX 15. XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX, I called XXXX each time it's been someone from a call center stating that someone will call me back. Never received a call back. Bankruptcy does not belong to me and variations of my name and addresses I have never resided. XXXX and XXXX have removed the public record that was inaccurate. XXXX still has not deleted the addresses from my credit report, I'm requesting help.
Consumer complaint received 2022-06-23
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)

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 

TO WHOM IT MAY CONCERN : I am filing a complaint beside FCRA, fair credit and billing act but also HIPPA violation for 3rd party collection calling and asking questions about my medical conditions. I have no knowledge of these following accounts that appears on my credit report. Im exercising my right under the Fair Credit Reporting Act to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : XXXX XXXX XXXX XXXX acct # XXXX Original creditorXXXX XXXX XXXX Balance {$790.00} I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. 
Sincerely,
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to review my report online along with past disputes and trying to start new disputes on the transunion website. It has not allowed me to in months. I have called in over XXXX times about this and also went through trouble shooting with tech support multiple times and my account will not allow me to use any of the online service center options. I have logged in on different devices as different times nothing is working and TransUnion is not helping with the process. I also can not access it on any credit monitoring website or on XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My personal information with all three consumer reporting agencies : XXXX ; Experian ; XXXX has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OK)

Transworld Systems Inc. ( Company ) Company falsely accused me of owing a debt.

Company falsely accused me of being a member of their services in 2019 ( resulting in false debt ).

Company fraudulently sent a bill to collections.

Company fraudulently ( claims ) to have collected funds.

I have never been to the original collector. The company has many reviews about fraudulent activity. 

Company is causing severe emotional distress due to their fraudulent activities.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My personal information with all three consumer reporting agencies : XXXX ; XXXX ; Equifax has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information