davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I got a delinquent property tax Notice XX/XX/2020 from the XXXX XXXX XXXX XXXX XXXX Treasury Division. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. For my property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Parcel ID XXXX in the amount of {$970.00}. I immediately submitted to SLS Tax Department XXXX. XXXX XXXX XXXX, New York XXXX office # Fax XXXX. Via Certified mail and I uploaded to their Tax Doc site they acknowledged receipt of everything. I have been working on this Since XX/XX/XXXX and mailed the Delinquent tax notice. By XX/XX/2020. I started calling and faxing everyday and called every single day and spoke with anyone that would listen and asked to speak with a Supervisor in the Tax department XXXX and I spoke with a XXXX and a XXXX and I spoke with Customer care agents XXXX and XXXX I submitted a NOTICE OF ERROR WITH MY WRITTEN REQUEST PURSUANT TO RESPA ( 12 U.S.C SECTION 2605 ) mailed it also certified mail to them and to the corporate office Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. I faxed to them at XXXX and I have called on a daily basis to both offices and the XXXX Treasury division. 

My taxes and insurance are paid out of my escrow account. I have approximately {$1600.00} sitting in my escrow account and they're failing to pay it. I am current on my payments and have no shortages concerning my escrow balance. The City of XXXX states it must be paid by XX/XX/2020. Or they will proceed with a Tax lien sale This needs to be paid and is causing my undue stress.This is very serious
Consumer complaint received 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX & XXXX Account number 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
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CA)

In late XXXX of XXXX I flew into XXXX for a 3 month job. I rented a car upon arrival since I did not have any other transportation. The next day I returned the first car and was charged {$48.00} dollars for it. I then rented a new car under a company contract that same day. I was charged monthly and returned the car on XX/XX/XXXX. After much back and forth I was at last given the final invoice of that car on XX/XX/XXXX and saw it was {$2000.00}. I felt like I was charged more than this so I added up all the charges on my bank statement and realized I was over charged by {$640.00} which was the exact amount of one charge posted to my account on XX/XX/XXXX. I reached put to the XXXX agent assigned to my company and after explaining the issue and being ignored I went to my bank on XX/XX/XXXX and disputed the charge through them. On XX/XX/XXXX they wrote back to me saying the issue was an errant extra month rental that somehow was created. They settled the dispute and awarded me {$560.00}. 

I moved on with my life, took another out of state job, and now that I'm back home I see I have multiple bills from XXXX dated XX/XX/XXXX billing me for the {$560.00} I was awarded and now they say it has moved to a collection agency on XX/XX/XXXX and there is nothing they can do about it now. They are claiming that their records indicate their car was returned on XX/XX/XXXX which is quite impossible. The job I was working on was all about covid safety and required the whole crew to sequester in a hotel for three months. 

I spoke with my bank and they say that when they contacted XXXX about the dispute they never tried to fight the bank on it. I do NOT think this is right and am trying every means to get it fixed.
Consumer complaint received 2020-10-15
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX - XXXX and TransUnion. I have been challenging this account with both companies XX/XX/2022, upon challenging this XXXX has deleted the account based on the lack of ability to properly verify all reported information being accurate. To my understanding the creditor reports the same information to all bureaus per FCRA. If this is true I am requesting information used to verify this account in writing. However Ive have sent disputes, and both companies keep updating the accounts and not sending me proof to verify the debt. I sent a complaint to CFPB about this same company and XXXX said they will handle the account still not verifying the account per dispute they sent in the mail. Also both companies XXXX and TransUnion both aren't reporting accurate information on this account, So how can they say they have finish their investigation with wrong information from both parties. THIS IS A VIOLATION.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Credit Bureau Collection Services XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Credit Bureau Collection Services XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am writing to file a complaint against TransUnion, a credit reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/23, I filed an identity theft claim with TransUnion and requested that they block any fraudulent accounts or inquiries related to the identity theft from appearing on my consumer report. However, despite federal law requiring credit reporting agencies to block fraudulent information within four business days of a consumer 's request, TransUnion representatives ( XXXX through text message, XXXX XXXX, and XXXX XXXX on XX/XX/23 at around XXXX XXXX XXXXXXXX ) advised me to wait 30 days for the dispute to be resolved. 

This delay in blocking the fraudulent accounts on my report has caused significant harm to my credit and financial standing, and I believe that TransUnion 's actions have violated my rights under the FCRA. 

I have attempted to rectify this issue with TransUnion, but their representatives have been unhelpful and have failed to comply with federal law. As such, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA and promptly blocks any fraudulent information from my consumer report. 

Please let me know if you require any additional information from me regarding this matter. Thank you for your attention to this issue.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I disputed inaccurate information with XXXX  and Experian reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter
Consumer complaint received 2019-04-03
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. (ID)

I am writing in reference to a dispute I sent to Transunion on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Transunion did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the XXXX requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the XXXX dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX XXXX XXXX : XXXX XXXX : {$1900.00}
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

My Toyota XXXX is coming off of lease. I had previously calculated the remaining amounts for payments needed based on the Toyota Financial Services Account Management portal. This portal provided an incorrect amount left thus the amount that was calculated I was informed was incorrect. Based on the incorrect information there was a final balance of {$39.00}. I was not notified of this balance. 

Beginning on XX/XX/XXXX, Toyota Financial Services began calling me multiple times per day, harassing my cell phone and not identifying their call via voicemail. On XX/XX/19 I called Toyota Financial Services back to determine why this number kept calling me. The automated prompts identified my account ( multiple ) but I requested an agent as the harassing calls had failed to identify any information associated with Toyota ( including called ID not identifying the business ). 

I reach an operator who refused to assist me. She refused to inform me of why I was receiving the harassing calls. She incorrectly stated she required my FULL SSN to continue when I had already provided enough information for their system to identify my account. She refused to transfer me to a supervisor. I informed the Agent that her company, if it was Toyota Financial Services, was performing harassing calls and I again requested to speak to a supervisor. The agent again refused to push me to a supervisor and badgered me in a harassing and unprofessional manner. 

On XXXX, I was able to answer a call from the harassing number. The harassing calls were being performed by an auto-dialer. The agent provided me information in regards to the harassing calls. I informed the agent that I would check online as she failed to verify who was calling me ( failed to verify her employer ), verify that this situation was correct and move to correct any issues. During the call, I did not realize that the Toyota Financial Services website was providing incorrect information thus I couldn't speak to the validity of the claim. 

I also informed the agent that when calling they needed to leave a voicemail as I had already been harassed by Toyota Financial Services staff and systems. The agent then provided false information regarding Toyota Financial Services legal ability to leave a voicemail. I informed the agent that this information was false and that my prior experience in the financial services and debt management industry provided me with industry knowledge to the contrary. At this point the agent began badgering me and I requested to be transferred to a supervisor. The agent refused to transfer me to a supervisor. I repeated my requests and the agent continued to badger me and refuse my requests. At this point during the agents harassment I hung up the call.
Consumer complaint received 2022-07-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

On XX/XX/XXXX, I applied for assistance via our mortgage company, Planet Home Lending. Between XXXX, I provided them with all of the documents they requested. On XX/XX/XXXX, our application was marked completed and we were told it would take XXXX days for us to receive a response. On XX/XX/XXXX, I contacted Planet Home Lending via phone and was advised it could take up to 60 days to receive a response. On XX/XX/XXXX, we received a letter from Planet Home Lending via mail. The letter stated that we would be in a repayment plan starting XX/XX/XXXX. The wording on their letter isn't clear, and I've asked for clarification. On XX/XX/XXXX and XXXX, I was told that a request would be submitted to correct our late reporting to current. On XX/XX/XXXX, I sent an email asking for clarification. I received an automated email that it could take up to 5 business days and would be forwarded to the correct department. I decided to call instead and I spoke with XXXX different people and was all advised that I should've made payments on time, my credit will show as late, and there's nothing that can be done. On XX/XX/XXXX, I contacted again because a fourth month was marked as late on our credit report. Again, I was transferred around until I spoke with XXXX in customer service who politely explained our repayment plan in detail including terms and conditions that weren't clearly and properly explained to us. Planet Home Lending 's repayment plan doesn't provide us protection against late payments and our payments will reflect as late for XXXX months, dinging our credit reports up to 50 points each month. Once the repayment plan ends then, our payments will reflect on time. No additional support was provided except for us to pay {$9600.00} which is impossible to do. Had we known this would've been the case, we could've paid the XXXX months back mortgage payments in XXXX when I received my father 's life insurance check. There is no direct line to reach our migration specialist and I've only spoken to her once and that's when I called to complain. XXXX was rude, not empathic, and horrible to deal with. Our loan was sold to this company last year and until we needed assistance, we'd never had any issues with them. I wish our loan had never been sold. How this company is still in business is beyond me. They hid behind unclear wording and do not properly communicate. I've only spoken with XXXX agents that went above and beyond. As soon as we can build our credit back up and are eligible to refinance, we will be going with our XXXX XXXX.
Consumer complaint received 2019-04-03
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: Experian Information Solutions Inc. (IA)

How is Experian telling me if I have relevant information? As a consumer, I am demanding that they show me evidence. What documents Experian are you using to say that everything in my credit profile is reporting correctly?
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (UT)

I called them on XX/XX/2021 after i noticed a debt on my credit report of {$2000.00} i told themI am on XXXX and XXXX that they have paid well over XXXX and who is this from and how can I contat them they told me that they could not disclose this information and that they would let themknow that I was on XXXX. I researched on what they are required to tell me and one of the things it mentioned was the information of the original creidtor I called them 3 times and on all of the 3 seperate occasions they still disclosed the same information that they are not to give me the information as I am XXXX and all my other bills are paid I thought this was a fraud collection agency I did some research and it indicates they are in fact a debt collector agency althought they are they are not following the laws of not disclosing that information to me I feel that they should be reported to you as the Consumer Financial Protection Buereau.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Consumer complaint received 2020-08-18
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I received 3 missed calls from Chase bank ( I have a personal checking & savings with them ). A male representative indicated there was a pending XXXX charge/transaction going out that night. They asked me if it was mine or something I authorized. I responded no. I was driving home when I found this out, so I stated I needed to pull over at a gas station & call them back. They literally called me back less than a minute of me calling them. I had just gotten paid the night before, so the only charges authorized totaled {$40.00} XXXX. He said the transaction could be stopped. Said to go into XXXX section of my chase mobile app. I thought it was weird but didnt think much of it since he was called from my pre-saved XXXX # from Chase. He said to add myself as the receipient, request that the {$1200.00} " fee '' be returned to me & that's it. Said to wait until the weekend & XXXX XXXX was over to see the pending transaction reversed. I waited until XX/XX/XXXX to report no such credit or reversal happened. 

The person in the fraud dept I spoke with XX/XX/XXXX had no record of my previous call history regarding the above. He did enter a dispute for the transaction itself, stating to wait XXXX business days for a response. They gave me a temporary credit of {$1200.00}. I received an emailed letter from Chase stating after the investigation, I was responsible for the {$1200.00} XXXX transaction and that the temporary credit will be taken out of my checking account on or after XX/XX/XXXX. 

I called the XXXX # on that letter to dispute which is the Fraud dept at Chase. I explained my story as indicated above, told them the # this male called me on ( XXXX ). The fraud rep confirmed it was a valid customer service # for Chase. He then stated that since the XXXX charge was initiated/completed on my cell phone device then this makes it mine. He said that the male that called me on XX/XX/XXXX was an imposter or impersonating someone that works for Chase. 

I submitted a lengthy investigation of my own to Chase. I provided my cell phone call detail showing the XXXX calling me & me calling it. The case was denied. 

I called the online claims dept XXXX option XXXX to discuss my case further. Spoke to a XXXX. She said the case was denied & closed as of XX/XX/XXXX. Said there was no proof of where the XXXX transaction went. She said if Chase can't prove where the money went, they can't recover their own funds. Meaning I'm out {$1200.00} I DO have 2 emails of where my money went. Email dated XX/XX/XXXX XXXX states to " Dear XXXX, please verify your email address so you can send money with XXXX XXXX. This email was from XXXX Bank. The XXXX code provided in the email was XXXX. The 2nd email was a repeat of the 1st email.