davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020, I started the Exparian Boost after receiving several advertisement on the benefits of boosting your experian credit score.  on XX/XX/XXXX, my Experian score drop 23 points due to a faulty system. The system was not able to locate the automatic online payments through my connected financial institute ( XXXX ). The purpose of Experian Boost is to increase the consumer 's credit. I spoke with two Experian Credit Bureau customer service personnels and they collected the information and told me I have to wait 30 days or more to see a change on my credit. My Experian Credit score was 757 because using the Experian 's boost. Today, my score is XXXX. I am currently in the process of purchasing a home and the bureau refuses to fix the problem which is a failure of their faulty system.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Good day Sir/Ma'am. I am writing today as I am at an impasse with my lender Freedom Mortgage. We have a difference of opinion as to how 12 CFR 1024.17 ( f ) ( 2 ) is applied. The escrow analysis that I have been provided with states that I should be paid back any surplus over {$50.00}. According to 12 CFR 1024.17 ( f ) ( 2 ) ( i ) this is exactly what should happen. Yet {$2000.00} was held in reserve. My escrow account was overfunded by {$5000.00}. At no point was there a deficit. Additionally, all of my payments were made on time which satisfies 12CFR 1024.17 ( f ) ( 2 ) ( ii ). In satisfying this part, they are prohibited from keeping any portion of our surplus as recompense for late payments. Freedom Mortgage claims that the Real Estate Settlement Procedures Act ( RESPA ) requires them to maintain a minimum amount. Unfortunately, this is incorrect. RESPA does not define a minimum account level. RESPA provides guidelines that are rooted in the CFPB regulations. These are the same regulations that I have referenced throughout this complaint. Furthermore, RESPA references 12CFR 1024.17 as a guide to the maximum that may be paid into an escrow account. Per 12CFR 1024.17 ( f ) ( 2 ) ( iii ) we have not entered into an agreement to create, nor fund such a surplus. I have called numerous times to point out the regulations that I see as having been broken. During these calls, I ask them to reference their actions in the CFPB regulations and they can not. I think the mistake they are making falls under the provision of 1024.17 ( c ) ( 1 ) ( ii ). This references the specific maximum that may be paid into the escrow over the course of the year. The key term here is " Paid ''. Under this provision, they may create a cushion by way of monthly payments, not by holding back my escrow surplus. As I see it all three paragraphs in 12CFR 1024.17 ( f ) ( 2 ) have been violated in some way. In summation, I believe 12 CFR 1024.17 ( f ) ( 2 ) ( i ) has been violated in that any surplus over {$50.00} was not paid back to me. I believe that 12CFR 1024.17 ( f ) ( 2 ) ( ii ) has also been violated as no triggering event in this part has been infringed upon, which would allow them to keep my surplus. Finally, I believe 12CFR 1024.17 ( f ) ( 2 ) ( iii ) has been violated in that we have come to no agreement regarding any surplus to be placed into this year 's escrow account by way of keeping my surplus from last year I would certainly appreciate any help that you may be able to provide. I'm not sure what else to do.
Consumer complaint received 2020-09-10
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. (FL)

Equifax report is inaccurately showing my current address with the wrong Suite number, please correct as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX A copy of my bank statement with correct suite number is attached.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

In early XXXX, Chase Bank closed four accounts that I had for many years without notifying me. I was humiliated when in line to pay at a store, and was then asked to call my bank. Thats when I found out. It has been almost two months now, and I still have not received the remaining funds from one of the accounts they closed, in the amount of {$950.00}. I have tried over thirty times to contact the bank and escalate the call, to no avail. This is causing me great distress and frustration on a daily basis, and I need the funds. The branch can not help me because corporate is in control of this situation. Nobody at Chase will help me. They mailed out the funds once and they were returned ( so they say ), and were supposed to reissue another check, but have not. They also will not send it with tracking info ( via overnight mail ) as I requested. Seems silly to use regular mail with funds over a certain amount. 

Note - the account number I provide here is the main business account, as I no longer have access to see the other business account to which this claim is being made. Chase can locate it under the main business account, but it was for the other one. I only memorized the account number of the one provided.
Consumer complaint received 2020-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America Charged off but I never had a account with Bank of America. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016
Consumer complaint received 2023-03-02
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( 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 for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-03-02
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. (AR)

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. 
Account name : XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-07-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (LA)

I took out a loan for {$8400.00} " around about '' 2 years ago then about a month ago of this year they offered me to skip a monthly payment if i took out another loan so i agreed and asked for a XXXX $ which they denied and said i can get XXXX $ and i agreed to that. What i did not agree with is them Refinancing my loan. In the 2 years i paid XXXX a month and dropped total amount including interest down to around XXXX. That was the total amount left on the account when i took the XXXX $ loan out to skip a month. Now my total account balance is XXXX $ after i made this months payment of XXXX. I did sign new paperwork that i was informed was for the XXXX $ i received and the interest. This will be my first payment on this account since i received the XXXX . I can explain for in depth if needed. 

Thanks, XXXX XXXX
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (IL)

Sent Greensky paper work on XX/XX/XXXX, company did not respond, sent second notice on XX/XX/XXXX company responded with transaction history, a electronic signature and contract that doesn't prove the debt belongs to me.
Consumer complaint received 2023-01-28
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. (SC)

Disputed a Bankruptcy Court S.C. Docket # XXXX XX/XX/2021 on my TransUnion consumer credit report FOR INDENTITY THEFT. I have sent in documents including letter from the courts, police report and ftc report please pay attention to police report page 3 it states that account signatures don't belong to me when investigated.
Consumer complaint received 2020-05-10
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. (VA)

Equifax failed to delete the errors on my credit report. Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I gave them over 120 days per Pandemic Crisis.
Consumer complaint received 2023-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (DE)

Following collection companies has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameMACYS/DSNB Account NumberXXXX  Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-01-20
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: CHALLENGE FINANCIAL SERVICES (CA)

Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

[ challange financial services XXXX ] Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX SSC : XXXX XXXX has failed 3 times to produce the original contract of this debt I have upload the original contract that I hold in my possession that proves I have no account with this finance company its theft and indemnity fraud I want that deleted from the credit report with in. 24 hrs or Ill have to use legal actions against XXXX and challamge finacial.
Consumer complaint received 2023-01-20
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2021 I was going through financial troubles and was paying my electric bill and the first time it came in I didnt have enough funds, I know it takes a few days to hit the account so I was trying to buy time so my electric didnt get shut off. It was returned so I tried paying it again with check by phone and I knew I was cutting it close with my direct deposit getting ready to be deposited on the 1st of the month ( every month for 5 yrs at that point ). Well when I check my account it showed the electric bill hit my account and my deposit was like going to hit my account within the next few days. I called and spoke with a customer service representative and explained the situation that my electric was getting ready to be shut off if they kicked this one back. I told him I had been stressing for a few days waiting for it to come in before my direct deposit. He said I should have called then and explain what was going on and he also said the bank was there to help and not hurt me. He then told me it was showing the bank was going to pay it. Well they didnt even though my direct deposit was going into my account within a couple of days as it has been for years. So since they sent it back again my electric company will no longer except checks by phone and put me on cash only payments. Granted I should have had the funds there but he told me it was going to be paid and now Ive been on cash only for a year now with the electric company since that. I was so relieved when he told dont worry they were there to help and not hurt me. I was hysterical crying. Because he told me it was going to be paid I didnt worry about it and I didnt need to make different arrangements I which I would have had I known
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

REF : HRRG POTENTIAL EXTORTIONARY ACTIVITY-MAYBE FRAUD I received a letter from a company called Healthcare Revenue Recovery Group LLC ( See copy attached herein ) dated XX/XX/2022 claiming I owe them. I sent them a letter requesting the name ( s ) of the physicians and services rendered XX/XX/2022. They are yet to respond to the letter. 

I am paying the bills that the treating hospital validated as truly mine, after the CEO of XXXX XXXX responded to my letter. I have a payment arrangement that I make every month to the tune of {$400.00} and another {$120.00} to Radiologists on a payment plan. 

Reason why I write to request your assistance is the fact that Ive been informed that these bottom feeders insert this erroneous information into consumer credit reports. That would have devastating effect on my credit as I am on the cusp of home purchase this year please kindly help me. 

XXXX has not confirmed that I owed these amounts and XXXX hasnt confirmed it either. Since HRRG is refusing to prove I actually owe said debt and to whom, I do not want to be a victim of insurance fraud as Ive read recently about them. 

I would be grateful were you able to help me validate this so called debt from them, since they will not respond to my written request for validation. It would help me know and make informed judgment about how to make payments if I have to. 

A prompt and positive response to this request for your kind assistance is most thankfully anticipated. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I took out A car loan for American Credit Acceptance and made my payments to the best of my ability. Shortly after the vehicle begin to fail and give me continuous problems which caused me finacial hardship. I contacted the company several times advising them I didnt have the vehicle due to the motor going out after only having the vehicle two years. An agent advised me I could settle the account for A reduced amount and they would give me 60 days. I agreed & have since paid the settlement in full as they requested XXXX & the l ok an is still showing open and active. I was advised it can take 3p days to update with the credit B. However on the report it reflects 90 days past due as of today. Meaning when I agreed to the settlement in XXXX they where still falsely reporting the account delinquent. They informed me I had 60 days to pay settlement but during those days still reported me late. I have reached out and nobody has been able to assist.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.