davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NY)

My complaint relates to the mishandling of escrow account funds. 

Since the loan origination in XXXX the escrow account was not setup correctly. In the closing documents it clearly states insurance funds are not to be included. My account payment was setup for auto payment and the oversight of being charged the insurance funds wasn't recognized until XXXX of XXXX. Since that time I have made nearly 100 calls to have this matter resolved transferred from the departments of escrow, insurance and general information. 
For almost a year I have been speaking to XXXX, a Manager/Supervisor almost weekly to try and resolve this matter. All of the said documents and calls are documented on their system. XXXX has been nothing but patient and helpful in resolving this matter but it is on the back end of their company that is not doing the work to correct this matter. Most recently after a so called review of my account they refunded me {$50.00} for escrow but failed to correct the initial error of charging me for insurance and failing to refund me the {$780.00} they paid for insurance that they should not have done.
Consumer complaint received 2023-02-08
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-02-08
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)

This is the 2nd Time that I have complained on the 3 major credit bureaus Experian, XXXX, and XXXX. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq.

The nations three largest credit reporting agencies XXXX, Experian and XXXX are required by law to do everything in their power to accurately gather and report consumer information. 

XXXX XXXX  -ACCOUNT # XXXX ACCOUNT TYPE- EXPERIAN ( XXXX ) XXXX  ( N/A ) XXXX ( OPEN ) ACCOUNT STATUS-EXPERIAN ( CLOSED ) XXXX ( N/A ) XXXX ( OPEN ) XXXX XXXX XXXX- ACCOUNT # XXXX ACCOUNT STATUS-EXPERIAN ( CLOSED ) XXXX ( OPEN ) XXXX ( OPEN ) XXXX XXXX XXXX-ACCOUNT # XXXX ACCOUNT TYPE- EXPERIAN ( INSTALLMENT ). XXXX ( INTALLMENT ) XXXX ( OPEN ) XXXX XXXX DATE OPENED XXXX ALMOST 3MONTHS OVER ALLOWED LEGAL TIME XXXX ACCOUT # XXXX NO BALANCE NO PAST DUE
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Recovery Corporation (CA)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX 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 g
eneral 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 XXXX XXXX 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 XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

discover blocked my card during the corona epidemic request a 4506t form which i promptly filled out and they still have me blocked, i did another one for XXXX 3 days ago and they already got it back and i did discover 3 weeks ago
Consumer complaint received 2023-02-08
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On approximately XX/XX/2021 my small business checking account ( account # : XXXX ) was closed and sent to the back office of XXXX XXXX XXXX for review. I anticipated that I would receive a check for the balance of the checking account in a relatively reasonable period of time. After months and months of waiting I attempted to inquire about the status of the check and was routed to various departments without ever receiving an adequate explanation let alone a time frame as to when I should expect the check. Now that it has been over a year I think I should be entitled to know when I will receive the check.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a letter from Bank of America today stating I had a forced closed on an account that I never opened. I called the bank and was informed that the account was opened in XXXX 2022. The fraud department stated that they are going to investigate. What I find odd is that someone else I know had the same thing happen to them recently. We do not have any mutual persons that could get both our information. So I am wondering if someone at the banks are opening accounts like I have read of happening at other banks.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NDS, LLC. (CA)

I want to refinance the property where I live from XXXX in XXXX XXXX & found out lien against me file by XXXX XXXX XXXX XXXX XXXX & recorded on house , which I owned in XXXX XXXX & never used for living. That company never provide to me any legal documents & information about that lien. 
When I call XXXX XXXX, I found out that he collect debts for XXXX XXXX, which I owned {$1000.00}. His Abstract of JUDGMENT, which he file on XXXX show amount {$3500.00} & his demand in Escrow show {$5500.00} plus additional interest for each next day. When I found out about this & call to Mr. XXXX to resolve that issue, he told me, because I need to do refinancing, he can charge me as much as he can. 
I did remember, XXXX XXXX  send me a letter, after entering into agreement with the US Consumer Financial Protection Bureau on XXXX, State Attorney General and the office of Controller of the Currency on XXXX. XXXX taking certain steps regarding my account and no longer try to collect money or file any judgment against me. 
I didn't understand why XXXX put lien on property, where I never live & brake a government rules.

Please, help me received relies on this judgment ASAP, because everything done for my refinancing except this issue. 
Sincerely,
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 2023-02-07
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX  furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX  stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Consumer complaint received 2019-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX XXXX XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact
Consumer complaint received 2023-02-04
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ; XXXX XXXX XX/XX/2022
Consumer complaint received 2019-11-14
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. (VA)

XX/XX/2019 Shows account by XXXX XXXX that should have never been placed on report. Was PIF through Doctors office XX/XX/2019 and DR office sent to XXXX XXXX to pull information back. Experian needs to remove from report.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX XXXX XXXX, CareCredit, Walmart, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I opened a Bank of America checking account at Bank XXXX XXXX. I never was told that this was insuted for {$250000.00}. I also was never told that I am entitled by CFR 1000,2 Definition of Account is defined as an extension of credit, This was never awarded to me. I was denied credit. Even though the definition of account is an extension of credit, and I was denied to have any line of credit, and open end credit to me this Is illegal Consumer Financial Protection Bureau 1002.7 Rules Concerning Extension of credit is stating that " A creditor shall not refuse to grant an individual account to a credit worthy applicant on the basis of sex, marital status or any other prohibited basis. '' Business Credit refers to an extension of credit primarily for business or commercial including agricultural purposes but excluding extensions of credits of the types described in 1002.3 sub divisions a, and d. " credit extended to a natural person primarily for personall, family, or household purposes. " CREDIT means a right granted to an applicant to defer payment, ton incur debt and defer payment or purchasing property services and DEFER payment therefor. 

With this being said I would like to have this taken care of. i want to join the commercial side and have my business create my own revenue, however i need this extension of credit that i am granted by right by the creditor to do this. Once an agreement is reached i know we will have a great consumer and creditor relationship.
Consumer complaint received 2023-02-03
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. (NJ)

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2023-02-03
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. (NJ)

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (LA)

I am an attorney for a workers compensation recipient. He has three outstanding medical bills which should be covered by the workers compensation carrier. My client and I have tried repeatedly to get information on the debt in writing. The company refuses to send this information. My client allegedly owes three medical bills : {$1900.00}, {$1800.00}, and {$2400.00}. 

I contacted them on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. My client contacted them multiple times as well.
Consumer complaint received 2022-10-03
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: AMERICAN EXPRESS COMPANY (NC)

In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-09
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. (CA)

On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Consumer complaint received 2019-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (ID)

On XX/XX/XXXX I made my payment to my servicing company, HomeLoanServ, also known as Idaho Housing and Finance. On the XXXX of XXXX I reached out to just double check that my payment had been added to my account. It had not. I reached out to them via a phone call and email. I got a response back saying the issue would be resolved if I could provide proof I had in fact made my payment. I provided multiple screenshots as well as get the appropriate documentation from my bank. I received no response for a week. I reached back out on the XXXX and was told that this was an issue on their ( HomeLoanServ ) side and that my account would be fixed, I would not be charged a late fee and my credit would not be damaged with a mortgage late. However, they also stated they have no idea where my mortgage funds are, they also said this is happened to hundreds of people in Idaho, they also stated that this is due to the fault of an insecure payment portal tool that they use. They have yet to notify the public of the breach of security, missing funds or make anything correct with the consumers. Where is our money? Why was it not applied to our accounts? Why were we not notified? How many people are being charged late fees for their negligence?
Consumer complaint received 2023-03-09
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.