davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NV)

Hi my name is XXXX XXXX My checking account number is XXXX My Social security number is XXXX My date of birth is XX/XX/1990 My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NV XXXX Almost a month ago my Debit card was stollen and I did not recognize till my online banking notification went off a few times I opened my online banking then i saw was almost {$2000.00} out of my account which was not me, so I called bank and let them know. 
They did not even let me to tell them which transaction or how many they put me out of my online banking. Then the result came after 10 business days and my claim was declined. Today I am writing this letter to you asking for help to get all my money back as soon as possible. 
Thank you.
Consumer complaint received 2023-01-17
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MA)

Refinanced the home in XX/XX/2022 and added escrow to the loan. UWM has been over charging my every month for home owners insurance when it was already fully paid for the entire year. On top of that, they sent a new escrow estimate statement in XXXX and significantly increased my monthly mortgage payments when I already had an enormous balance in my escrow account ( roughly $ XXXX ). Additionally, in XXXX when I went to double check. my payments, I found out that they utilized the wrong insurance policy on my home for {$3500.00}. My insurance is under {$1300.00} a year so an increase would never go beyond {$1500.00}. It turned out that the insurance policy they used was for a different house. I have contacted them early XXXX and yet to have this resolved.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AL)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2023-01-17
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. (FL)

On XX/XX/22, XX/XX/22 XXXX, XX/XX/22 and XX/XX/22. I asked the credit bureau to investigate items that I believed weren't reporting information at XXXX percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.
Consumer complaint received 2023-01-17
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. (NV)

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (CA)

A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me.
Consumer complaint received 2023-01-17
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. (MO)

UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX  XXXX XXXX MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX )! 
Acct Name 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 ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this XXXX debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WESTERN UNION COMPANY, THE (MI)

This is an addition to an original complaint case # XXXX The $ amount first stated was in error. The correct shortage $ amount is {$36.00} Received $ XXXX from XXXX XXXX Trust from a XXXX Account on XX/XX/2016, deposited check on XX/XX/2016 to XXXX XXXX XXXX, XXXX withdrew {$600.00} from my account on XX/XX/2016 check cleared XXXX XXXX Trust and re-deposited to my account on XX/XX/2016 in the amount of {$560.00} XXXX XXXX charged an additional {$13.00} for XXXX XXXX XXXX for handeling but did return that fee after arguing the fee charge with them but denied any knowledge or involvement with the missing {$36.00}. After further investigation I have reason to believe Western Union Business Solutions have there hand in that missing money. I was not aware of any fee 's or deductions from the original {$600.00} there was NO explanation on the shortage what so ever and I did not agree to any fee 's associated with this. I want this money back. As far as I am concerned it was taken ( stolen ) from me illegally, not only do I want it back I would like to press charges against the perpetrators.
Consumer complaint received 2024-10-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Tally Technologies (CO)

Tally XXXX XXXX XXXX XXXX transferred balance to XXXX XXXX XXXX  after Tally decided to stop providing all services and announce it's closing shop. I signed up for a fixed price loan to pay down credit card debt not XXXX XXXX XXXX and the variable rate & late fees they are charging because they failed to transfer autopayment. Plus, website is suspicious and looks like a typical phishing site, and their phone number registers with XXXX XXXX XXXX as spam and that is easily blocked especially during an election year. Who picks up known, identified spam calls?

I already made a one-time payment in an attempt to pay the balance off, but honestly still not sure if that site is real and I expect my identity to get stolen or they come back with more charges. 

Filing Violated TSR. 

Protect consumers from abusive credit repair companies. Charging fees for services they didnt provide. 

We all signed up for a company that would manage our credit cards and help our credit scores. In the end, they charge us fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin our credit scores. This is not what they advertised, If it was, we wouldve never agreed to work with Tally.

I hope to never deal with this poor XXXX practice again, and the BBB should be involved as well. Tally was wonderful while it lasted.
Consumer complaint received 2023-01-17
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block UNAUTHORIZED INQUIRIES, it appears that my credit with you has been compromised, and these INQUIRIES being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Over the past four years, I have attempted to remove one collection account from my credit report, without success. Unfortunately, the credit bureau is still listing it on the report when it is paid off and should no longer be taken into account. It is listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against TransUnion because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.
Consumer complaint received 2024-10-02
Product: Credit reporting 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. (VA)

After checking my Experian credit report on XX/XX/XXXX, these inquiries do not have permissible purpose and is not in accordance with the Fair Credit Reporting act,. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 B. Delete these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-16
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. (TX)

In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against Equifax because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my initial complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX on a Sunday, I was called about a missed payment and I asked how to get on a payment plan and how much I could pay I agreed on XXXX a month to get caught up within three payments but I got a statement for a minimum amount of {$1200.00} a month I have tried multiple times to tell them to put it towards the cash advances I did but they refuse to do so I am in my right to put the payments toward the cash advances Once again I had a payment agreement for $ XXXX for three months
Consumer complaint received 2023-01-17
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. (MS)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX CXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX