davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX  data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Consumer complaint received 2021-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We received a letter in the mail in late XXXX or Early XXXX alerting us that our Escrow account had about a {$5000.00} deficit and that our mortgage payment would be increasing if we did not pay the amount in full. 
I called XXXX XXXX immediately to see what had happened as we had never missed a payment nor had we seen any significant increases in taxes. 
In doing their research they were able to find where they had sent out my tax payment twice. I was informed then that it would take 60 days but they would have my account sorted out by the first of the year and that the increased payment wouldn't be effective. I had to call in the months of XXXX and XXXX to make my payment as the online and automated systems were requiring me to pay the increased amount. Each time I was told they escalated the situation to get it resolved and it should be done within 48 hours. My mortgage payment went from {$1300.00} to {$2200.00}. A MONTHLY increase of {$900.00} due to their error. XXXX comes around and I call every other day to get this resolved as we are now passed the 60 days I was initially told and I am concerned about this still not being resolved after multiple attempts. I was advised that if I make the lower payment that my mortgage was originally at it may get reported as a partial and not full payment. They advised me to wait to see if the payment gets fixed before the XXXX of XXXX where it would then be considered late. XX/XX/XXXX arrives and they have now " fixed '' my payment to {$1400.00}. Which is still an increase of {$110.00}. We make the payment as to not get a late fee or have a negative impact on our credit. I called to determine why my payment had increased {$110.00} a month as this is another {$1300.00} a year yet my taxes actually went down for XXXX verses XXXX. They explain to me that even though they made errors on my account months ago that they have me scheduled for my yearly escrow analysis in XXXX and the would look at adjusting my payment accordingly then. My account has been incorrect for months. I asked them to escalate my escrow analysis to be done this month so the payment can be accurately reported and they told me my request had been denied. I am now having to pay an increased payment amount in the midst of a global pandemic due to their error. They were not even able to explain to me where the new number of {$1400.00} had come from. If my account didn't have a proper analysis done then there should have been absolutely no increase until that time. I am constantly told that " they have escalated my concern '' with no resolution.
Consumer complaint received 2021-01-19
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a CFPB and FTC ASAP!
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

I contacted the listed creditors, and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. I disputed these inquiries with Equifax over the phone and received no resolution.
Consumer complaint received 2021-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TN)

While securing our mortgage we had to include escrow fees up front..After 2 years now with them switching names back forth ( still the same company ). Now they say I am {$1700.00} short on my escrow..Their answer raise my payment {$500.00} for 1 year = {$6000.00} XXXX My original payment was {$1700.00} ... New payment $ 2,242..I actually believe they are trying to force my wife and I into default which they calmed this month since I did not pay the extra last month while trying to work things out the paper said I owed {$2700.00} while talking to the representative about the situation .. She stated I owed {$2900.00} to meet my obligations.. I am a XXXX veteran and this has put my wife and I in financial bind .. Truck payment or house payment ... I do not know exactly what or You is behind this ..But Im asking You what are my rights as a XXXX veteran
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent mailed a letter about inaccurate/unfair information on my report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation, Since sending the letter more than 30 business days ago, you have failed to respond and honor my request. This is a violation. Therefore, I demand this account be REMOVED immediately before legal action is taken!
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

From XXXX thru XXXX of 2020, I filed a dispute with this credit bureau about the unverified and in accurate accountXX/XX/XXXX Account number XXXX, that is a closed account that is still charging interest which is a violation of the FCRA. Note that this account was disputed with XX/XX/XXXX credit bureau and removed in XXXX of XXXX also account XX/XX/XXXX Account number XXXX which is past the 30 day investigation period and was removed from XX/XX/XXXX XXXX In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months. How is it that one credit bureau can deem an account in violation and remove that account and the other find it ok to continue to negatively report?! So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (TX)

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  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a 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 then 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 2021-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

NewRez LLC is holding too much of escrow after all insurance and taxes have been paid by end of XX/XX/XXXX. 

I refinance my house with NewRez in XX/XX/XXXX. Purchased a new insurance due to a divorce. My insurance servicer billed NewRez for additional insurance payment in XX/XX/XXXX. However NewRez failed to response to the bill. I ended up paying additional {$750.00}. 

On top of me paying this amount, NewRez held excess amount of escrow in excess of two months. I tried calling for NewRez to remedy and provide a response. I have paid the principal and interest in the interim awaiting for the escrow to be fixed for XX/XX/XXXX payment. So far they have not issued a refund of excess of the escrow as of today. And they have charge me late fees while I already paid for the principal and interest and they have not posted this towards my balance. 

I want to make sure that no other individuals are paying more into their escrow beyond what the law requires. NewRez may be hoarding excess funds for other purposes.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Elite Financial Services, Inc. (SC)

I purchased a vehicle back in 2016. Less than 30 days of having vehicle the car put me on side of road. Company said they would fix but they did not and kept having issues. I turned car back to finance company a month later and have not made payments. The Elite company has me listed as current and making payments. I have not made payments in years since surrendering vehicle. It is listed on my credit report for involuntary repossession. This is information is invalid and false and is affecting my score and debt to income ratio. I need it to be removed immediately. I have sent out letters and nothing has changed and no response. I have always checked into the companies reviews and ratings saw similar complaints and unprofessional customer service with low ratings.
Consumer complaint received 2021-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

After numerous attempts to contact Capital One Auto Finance regarding multiple errors in account management, account maintenance, and reporting they still refuse to follow the law and correct my credit report. The office of the President has made a haphazard effort in resolving this matter and tried to circumvent the law in this case. No one asked for a poorly written letter of fault, but no action. I asked for proof. Proof of these payments being late. SHOW THE STATEMENTS dating back from XX/XX/2020. 

Violation one- I mailed my first complaint about this issue and capital one acknowledged and received the first complaint XX/XX/2020. I received no response or proof that this account was late. It should have been deleted after 30 days. Nothing was done. 

Violation two- I contacted them via fax before XX/XX/2020 after speaking with their manager who acknowledges the capital one made a mess of my account. No response was given. 

Capital one locked me out of my accounts making it difficult to make payments on the account, but still I had to finagle multiple calls making blind payments despite having no access to my records, statements, balance, or status. 

I have a 5 day grace period from the XXXX of each month. SHOW THE PROOF OF THE LATE PAYMENT. And not a secretly manipulated BACK DATED docuement, but the truth-in lending statement of account sent to me about the balance of this account, the payments made and the next payments due. Pay close attention to my experian credit report. THEY REMOVED THE LATE PAYMENT FROM THE NOTES, but not from the history. Stop covering up all the numerous accounting mistakes and stop being vindictive.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-19
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. (TX)

To Transunion & XXXX  -- -- - XXXX  XXXX XXXX  XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent violation.
Consumer complaint received 2021-09-07
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. (CA)

I purchased a used vehicle on XXXX XXXX for a XXXX XXXX XXXX from XXXX  car dealership in XXXX ca. My husband cosigned the car and the company had me forge his signature on the paperwork numerous times. I couldn't make payments on vehicle so I posted an ad on XXXX for take over payment option and XXXX cash for my down payment I paid. Signed contract with the guy who responded and he signed contract. He sent me copies of fake money orders for 4 months showing he was paying the payment. I contacted XXXX and told them where to find vehicle so they could get it back. They am said they would put. A voluntary repo instead of a charge off on my credit report. I have disputes this numerous times and been told info is accurate. Now XXXX XXXX  goes into my credit report two times every three months reporting new info which in turn messes up my credit score and appears that I have never paid a cent on loan and they sold vehicle for XXXX at auction but wont show me proof I have asked three times. That was a brand new vehicle they did not sell it for XXXX at auction. This account is closed and has been since XXXX. 
This was a predatory loan and a fraud since only I was the one to sign for my spouse and myself.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (VA)

company reporting wrong information to credit reporting accounts behind because of it fake billing when there has been no purchased by me more that 10 request for pay history to date not provide company claiming I went over the limit when I have made no purchases I requested copies of purchase to date nothing I want to pay off the cards but I proof of the purchases made by some one else
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Affirm Holdings, Inc (MD)

I had a small account with Affirm to pay 4 installments for shoes from XXXX. The shoes were paid off as expected but afterwards money continued to be withdrawn from my checking account under the name XXXX XXXX XXXX. The prior account with them was withdrawn without listing my name on my statement. I did not realize that odd amounts were steady being withdrawn from my checking account until the latest withdrawal on XX/XX/XXXX. My bank reimbursed the past 2 months of charges, but I have not received a response from Affirm for the remaining money fraudulently taken from my account since XXXX, XXXX. I sent a letter to Affirm which they received on XX/XX/XXXX by XXXX XXXX. The account number for this was given to me by a customer service representative, but I was unable to file a complaint online because something did not match. For that reason i chose to send documents to Affirm XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. Number given to me was XXXX. I do not have an active account with Affirm since purchase of shoes from XXXX.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Payward Ventures Inc. dba Kraken (VA)

Greetings. I opened an account with Kraken. They approved my account in the morning on XXXX XX/XX/2024 ( " You're verified for Intermediate '' ) and closed it later in the evening same day. Here is the email from them. 

XXXX ( Kraken Support ) XX/XX/2024, XXXX XXXX Hello, Unfortunately we must inform you that we will be closing your Kraken account. For security purposes we can not disclose the reason for this action. 

Kindly note that you can not open another Kraken account and that our live chat and phone support channels will not be able to provide assistance regarding this matter. 

We appreciate your understanding.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I closed my Truist checking and savings account on XXXX XXXX and after closing the acct there was an unauthorized transaction l called disputed and told them once again on XX/XX/2022 to close the acct again I was assured it is a closed acct. On XXXX XXXX I was charged a {$10.00} maintenance fee and a {$35.00} nsf fee. I have called repeatedly and was on hold for over XXXX hours. I just called today again and was told to hold for XXXX minutes while she checked something that was XXXX minutes ago and call just disconnected. I called XXXX Truist banks to set an appointment to go over my acct but was told I had to call the XXXX XXXX number this could not be done in the bank. Please help!
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (TN)

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 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 2022-11-20
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. (IL)

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










XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account : XXXX Bankruptcy : Dismissed XXXX XXXX XXXX XX/XX/2015 Reference number : XXXX Court : US DIST CT 15 U.S.C. 1681 Section 604 A Section 2 : It also states that 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 or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( 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.