davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (KY)

I had a loan with United Wholesale Mortgage on an investment property. The property taxes were due in XX/XX/XXXX, and our loan was sold and transferred to a new servicer in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I received a delinquent property tax bill from the county stating the XXXX taxes were never paid. I have contacted UWM several times to try and work out the issue and determine if it was a mistake on their end or on the county 's end. Each time, I am told I can not speak to anyone directly, but that a work order was be placed and I will be emailed the necessary documentation within 3-5 business days the first 2 times I called, and then 10 business days the last time I called them today, XX/XX/XXXX. I have never received a response or email or any kind of documentation from them following the placement of the work order. The county continues to charge monthly interest on the delinquent property taxes, which has grown from originally over {$1900.00} due to over {$3500.00} due. 1 % penalty will be added the first of every month by the county, and there is a lien now placed on the property as well. I also mailed the delinquent property tax notice to their tax department several weeks ago and have not received a response. I need someone at UWM to rectify this situation immediately, by either paying the outstanding property taxes ASAP or providing me the necessary documentation showing the check number or wire confirmation for the property tax payment. The property is now for sale and this may delay our closing scheduled for XX/XX/XXXX.
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XX/XX/2022 I called Bank of America to payoff and close my account- this credit card. The phone call was recorded and the close was successful. Or so I thought. 2 months later I get a letter / notice with 2 late fee charges & a balance that accrued out of the blue. After calling Bank of America they tell me that I never paid off the account and this is interest or insurance that had accrued. I paid it off so it wont affect my credit score but I am NOT responsible for this charge. I paid off my account, I had to give a verbal that my account was indeed closed, and got confirmation from the bank that it was closed. I am not responsible for these other charges they are claiming, I closed out my account so I could get ready to move. They are lucky I saw this letter. I should not have to pay Bank of America for their incompetency. I want my late fees returned to me as well as a breakdown of these interest charges on a {$0.00} balance.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute to Experian and XXXX XXXX XXXX about a collection that was placed on my credit report in the amount of {$4900.00}. 

I was a victim of identity theft in XXXX and during this time, I had at least 2 accounts placed in my name after someone obtained my information. The companies have copies of the police report ( filed XX/XX/XXXX when I was made aware ), my verified lease during this time ( I already had an apartment in another city ), and other information to clear this from my account but no one has done this or has provided me with why they have not taken it off. 

The Experian dispute that I filed just says the information is accurate- which if someone has access to all of my information, it would have been. I'm not sure what more I need to do to clear my name. This is very frustrating and it now shows that I owe {$32000.00}!
Consumer complaint received 2022-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I mailed a letter to Experian on XX/XX/2022 disputing late payments. Experian did not send me a letter back with the results of the investigation. Since it has been over 30 days, the disputed items need to be removed.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (OH)

The loan was taken over twice. They emptied an escrow account that should never have existed and refused to apply it to the balance of the loan. I made a re payment arrangement to pay additional money and it is now showing as a monthly payment. They REFUSE to do a forensic and give me the amount that I have paid over the course of the loan because they know it will implicate them. Im a XXXX who struggled to make sure my children had a home. Im a XXXX XXXX XXXX XXXX and would like to be able to demonstrate to my XXXX  that we live in a country that gives you recourse if you have been wronged by a predatory lender. Please help.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX account number XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

I was reported late late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the months of XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX I received late fee waivers. I am requesting that the payment history be updated as the CARES Act states, if an accommodation is made the credit reporting should show as current for the months of the accommodation. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates. 

Additionally there is a known issue with Discover and XXXX bank where the system is not reading or sending the payments correctly. I was previously advised by the Executive Office that if I made a payment online, the system would read it correctly. For all other months that I was late in XXXX XXXX, the money was in my XXXX bank account however it was not processed. I have tried many things to rectify the situation and now I have made a new bank account with XXXX XXXX 

However due Discover placing a hold on my payments for returned payments that were not my fault as the money was in the XXXX account I received late remarks. I would like those changed as again it was not my fault as I was told countless times, the payments would go through. Also I would like the 8 day hold for payments that is has been on my account for 2 years to be removed.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-06-07
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

Hello! My name is XXXX XXXX XXXX and I am a XXXX citizen. I am making this complaint about TD Bank because on two occasions a debt collector has broken into my bank account and collected money without my consent. This bank has allowed someone to break into my account and collect a medical debt without prior notice. And as if that were not enough, they charge me additional fees for this " service ''. This is not a secure bank account and you are not protecting me as the customer. The first time it happened I called them and they told me this would not happen again. A year later it happens again. 
More than {$600.00} comes out of my account without my consent, leaving the money for my rent and food for my children incomplete.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX XXXX using my Comenity Capital Bank Credit Card # XXXX XXXX XXXX XXXX. I paid Comenity {$1400.00} on XX/XX/XXXX from my bill pay checking account, the money was removed from my account XX/XX/XXXX, I paid my first bill on the credit card in full. Comenity sends me XXXX Bill of {$1400.00} plus interest amounting to {$1500.00}. Calling Comenity Bank did not help at all, I started documenting & sending certified letters. I sent my checking account statement showing money was removed on XX/XX/XXXX for XXXX. Comenity said they did not receive the money and to get a trace number from bank and open a comenity. net website about my account to expedite this situation. I got the tracer from my bank on XXXXand uploaded info to my comenity account. I contacted Comenity Customer Service on XX/XX/XXXX, I certified mailed documentation to Comenity and uploaded same on my account. I then see on my checking account on XX/XX/XXXX comenity credited my account to the amount of {$1400.00}. 
Then Comenity bills me {$1500.00} on XX/XX/XXXX. Clearly this amount is my original plus interest. So now I pay my original debt of XXXX to Comenity on XX/XX/XXXX and received a Confirmation 3 A XXXX. In closing I paid them originally XX/XX/XXXX, they claimed they never received it and wanted proof from my bank the transaction went through, which it did. Then they deposit my original debt into my account on XX/XX/XXXX. 
Then I pay on XX/XX/XXXX. 
Countless certified letters were meaningless, uploading documents to their website to my account were worthless. 
My last disputed letter I sent with documentation sent XX/XX/XXXX was responded on XX/XX/XXXX and attached was a letter dated XX/XX/XXXX which I never received stating they were never paid from my checking account on XX/XX/XXXX but they confirmed they my payment of XXXX on XX/XX/XXXX. 
I can't make this stuff up. 
I need to be vindicated from all said monies I owe Comenity Bank. 
I need to be vindicated to have a total clear record to credit card reporting companies since my credit rating went down a lot.
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (KY)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL LLC, for committing identity theft. I have never given SPRING OAKS CAPITAL LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with SPRING OAKS CAPITAL LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SPRING OAKS CAPITAL LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from SPRING OAKS CAPITAL LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL LLC, continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

The only I have given Experian 30 days to fix all incorrect information on my credit report and it has not been done! I sent certified mail XX/XX/2022. Experian received and signed XX/XX/2022. It has been past 30 days. It is now XXXX XXXX. I submitted the information via certified mail XXXX tracking number XXXX. 

I am now requesting monetary relief and for all the items I have disputed to be removed immediately.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2022-06-07
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. (FL)

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A consumer Reporting Agency Can not furnish a account without my written instructions.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

Citi Bank stole {$67.00} on XXXX instead of only deducting {$1.00}. 

The bank is engaging in Fraudulent activities by providing errors in record keeping and manipulating the checking account balancer. 

The bank has made it a regular habit to remove more funds from my account normally on each pay discrepancies or deposit. 

The increments range in varying amounts and are random sometimes, but they will just make their way to my account and randomly remove money. 

As well as charge a bogus merchant charge thst I have to dispute. 

They lied for 5 months alleging a wire transfer was returned but instead violated the law missing the mandatory deadline for handling in a attempt to steal more money from me. 

Caused some serious financial harm
Consumer complaint received 2022-09-13
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. (GA)

The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my XXXX Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.
Consumer complaint received 2022-12-01
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. (CA)

I have read that Experian is guaranteed to fulfill the FCRA regulation section XXXX but regardless of all my labours to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break Federal law thus they took to be slothful and abandoned my appeals. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The items below should be deleted permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020 2020