davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APPLE RECOVERY, LLC (SC)

On XX/XX/XXXX I received an email message from XXXX, XXXX with the subject line of " Pre-Legal Account Notification ''. The email was in reference to a debt that had already been settled and paid in XX/XX/XXXX. The email stated that I owed {$5800.00} on a repossessed XXXX XXXX XXXX. This debt was paid by a check from my bank on XX/XX/XXXX in the agreeded upon settlement amount of {$4800.00} to Apple Recovery LLC. The same day I received a text message from XXXX XXXX stating that they had purchased my debt from XXXX XXXX XXXX  and included a file number. I replied " STOP '' to prevent further text messages.
Consumer complaint received 2023-08-16
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

This is a part of an ongoing issue with this company. Today, I received a letter in the mail from Cardinal Financial, dated XX/XX/2023, that states as a part of the " Equal Credit Opportunity Act '' that an appraisal may be ordered to determine my property 's value as a part of the " loss mitigation '' process and I will be charged for this appraisal. ( See letter attached ) However, I never authorized this company to process a loss mitigation of anything, nor did I approve my credit to be ran, or an appraisal to be ordered. I have turned in several reports regarding the illegal practices of this company, yet, this company continues to ignore federal legislature, underwrite according to their own guidelines completely negating federal legislature along with XXXX XXXX  and XXXX XXXX guidelines. 

I have another complaint currently open with regards to them not handling my loan according to federal guidelines pertaining to the CARES act for COVID forbearance ( see complaint # XXXX, submitted XX/XX/2023 ) and am under the assumption that this letter may be a continuance from this company refusing to defer ( tack on to the back of my loan ) my COVID forbearance amount. However, this letter indicates " recent document submission '' and I have submitted nothing to this company other than the filed complaint with them that I also lodged with CFBP ( referred to above ). 

There should be no credit being pulled, and no appraisal being ordered, as a loss mitigation request was never submitted nor authorized by me. I will not be ordered to pay for an appraisal as that is NOT required according to CFPB guidelines for the CARES act, nor should my credit have been pulled for any reason. I am NOT modifying this mortgage, refinancing this mortgage, or accepting any kind of loss mitigation practice to be applied to this mortgage, as that is NOT a requirement of the CARES legislature.

Please provide confirmation that this letter was sent in error : credit was not pulled, appraisal was not ordered, etc. Any pulls should be removed from my credit report and any appraisal that may have been ordered will fall as an expense to this company, as I did not authorize any of these methods nor are they required per the CARES act. I am exhausted with the back and forth with this company regarding their refusal to follow federal legislature regarding the COVID CARES act.

I can only imagine how many other borrowers are dealing with, have dealt with, or have just accepted their non-sense and tyranny regarding improper handling and underwriting of loans. If Cardinal can not follow the guidelines set forth by feds, XXXX, and XXXX, their license to give loans, service loans, etc., should truly be revoked. No one should have to continuously deal with this kind of madness on a consistent basis like this.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I contacted with Chase Bank and asked to cancel PMI ( XXXX Mortgage XXXX ). They said I have couple options to waive PMI. The first one was XXXX ( XXXX XXXX XXXX ). During this conversation I ask them how much initial principal payment do I need to make to waive PMI. They responded that I have to lower my loan balance as {$190000.00} or less. I told asked specifically how much do I need to pay. I asked this because I have Deferred Balance. The agent told me that Your investor requires your principal balance to be at {$190000.00} by XX/XX/2023. This means that you will need to make a principle payment of {$4600.00} to remove PMI early from your account. I told them I still have deferred balance and the agent said I do not need to make any payment for deferred balance. It is not a requirement. So I made a payment which is {$4600.00} and lowered my balance as of {$190000.00}. I just received a secure message from the bank and has been told Hello XXXX, Good day! My name is XXXX, and on behalf of my colleague XXXX, I'm following up about your PMI waiver request. Thank you for your patience while we review your account. On XX/XX/2023, we have completed a PMI research on your account, and we determined that you may cancel PMI on your loan by paying down your loan balance to {$190000.00}. Please see attached letter for reference. However, allow me to clarify that it will be the combination of the following principal balances : - {$190000.00} current principal balance- {$7500.00} deferred principal balance XXXX principal balance : {$200000.00} I'm sorry for the initial information that has been provided to you, as there has been an error on our end. Moreover, you can make an additional payment of {$7500.00} to principal, and once it is posted, we can certainly submit another PMI waiver review on your account. I encourage you to reach out through the XXXX XXXX XXXX, if you have any other questions or need assistance. We remain committed to providing you with excellent service. Have a great rest of your day. Best regards,. The result is not as we discussed before. As you see on the message, the error occurred by the banks end.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my second attempt to ask for help this company was asked to complete a dispute on numerous occasions. I sent in proof of no investigation because this company did not update my report so how could they in fact verify any information on my credit report please hold this company accountable.XXXX account number-XXXX last reported date was XX/XX/2023 so this company in fact did not follow rules under FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act congruent with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Someone stole my identity and has misused my personal information to open accounts under my name without my permission. I am asking for the accounts to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ; XXXX XX/XX/2023.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

We were notified effective XX/XX/XXXX that our loan would transition to Newrez LLC dba Shellpoint Mortgage Servicing from Specialized Loan Servicing ( SLS ). On XX/XX/XXXX a statement was generated stating our escrow account had a shortage of {$5900.00}. On this analysis it is clearly shown that they are projecting double taxes. We reached out to Shellpoint to point out the clerical error due to double taxes. 

In XXXX we were notified that our regular payment would increase 32 % from {$2900.00} to {$4300.00}. When we called they stated this raise was due to an escrow reanalysis and shortage. We pointed out the new escrow account would end up at XXXX XXXX/year to cover our taxes XXXX XXXX/year XXXX and insurance XXXX XXXX XXXX. The new amount is more than double what it is needing to cover. On XX/XX/XXXX I submitted a request for escrow re-analysis. On XX/XX/XXXX my business partner ( BP ) called and spoke with XXXX who added a note to the account that we should pay the old {$2900.00} amount by XX/XX/XXXX. This payment was made XX/XX/XXXX but marked as unapplied. 

On XX/XX/XXXX my BP spoke to XXXX who informed us she would apply the XX/XX/XXXX payment ; this did not happen. 

On XXXX my BP spoke to XXXX who asked for the tax bill she also informed us the re-analysis was complete and the new amount would be {$3000.00} starting in XXXX. 

On XXXX my BP called again the customer service agent hung up after 20 minutes. Following this I called and spoke to XXXX XXXX XXXX XXXX She informed me she could not apply the payment as it was below the contractual amount of {$5600.00}. The additional increase ( again escrow ) is noted on the XXXX statement dated XX/XX/XXXX after the re-analysis on XX/XX/XXXX however we were not notified that another increase was coming it was simply added to the statement and online portal. 

In regards to our payments, we paid {$2900.00} on XX/XX/XXXX, {$4400.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. Despite these payments Shellpoint refuses to apply them and has reported us for late payment to impact our credit report.

To date Shellpoint refuses to adjust the amount due, has reported us for late payment and stated the only resolution is to pay them the additional {$6400.00} that can not be refunded for 12 months. We've called and used their internal messaging to attempt a resolution for months. The company refuses to escalate the issue and has reported us for late payment and warned us of foreclosure in what I believe is an attempt to force us to pay the additional money.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX Transunion has not done a proper investigation according to the standards of the FCRA . I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. Transunion says they have updated the account however there are still inaccurate information reporting. However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of USC 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report. This account needs to be removed from Transunion consumer report due to inaccuracy and incomplete information. XXXX account has already been removed from XXXX and XXXX. This account does not comply with Metro 2 compliance and legally can not be reported.
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/20 I discovered {$650.00} was taken from my Bank of America account via a XXXX transaction sent to a person whom I do not know. I immediately called Bank of America to alert them of this, and the representative on the phone helped me change my login info as well as open up a claim case for me. 

On XX/XX/20 I called Bank of America back to follow up on my claim. They told me that the claim had been denied because it appeared that the login used for the XXXX transaction seemed consistent with previous login attempts. They told me I would need to reach out to my mobile carrier XXXX to obtain documentation that my device had been hacked. When I reached out to XXXX they informed me they do not monitor phone 's operating systems due to privacy laws and they could not provide any information about this. When I contacted Bank of America back they told me there was nothing they could do.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) (! ) 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. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.
Consumer complaint received 2020-01-28
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. (CO)

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against XXXX XXXX XXXX XXXX and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
Consumer complaint received 2023-10-14
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.