davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

My mortgage is with United Wholesale Mortgage. Account # XXXX. They sent me a request to verify my Homeowners insurance. I sent the document via their website on XX/XX/XXXX showing that coverage was effective XX/XX/XXXX expiring XX/XX/XXXX. I received a letter from UWM on XX/XX/XXXX stating " Thank you for providing evidence of insurance coverage for the above referenced property. Our records have been updated to reflect this information. The insurance that was purchased on your behalf has been cancelled. Any unearned premium that may have been charged to your escrow account will be refunded. " I was alarmed that they force placed insurance but the letter stated it was cancelled so i didnt take any further action. My payment is {$1700.00} per month. I have no escrow account. I pay my taxes and insurance separately. The payments are automatically taken out of my bank account. The payment deducted in XXXX was {$1700.00} so i was reassured that the situation was resolved. On XX/XX/XXXX i noticed that they withdrew {$1900.00} for the payment. I was alarmed so i went onto their website and it described that the once again force placed {$3100.00} of insurance. I called in and spent over an hour on the phone on XX/XX/XXXX explaining the matter. They said that they force placed the insurance because i had a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. I explained that i did have coverage and asked for an explanation as to why they would state that. Why did they lose my records. Common sense would prove that if there was no coverage that they would have force placed insurance back in XXXX of XXXX, yet they didn't. And i never received any communication stating that they didnt have proof. They refused to listen and argued that i didnt have coverage. I contacted my insurance company and had them send me the evidence of insurance coverage for the period of XX/XX/XXXX to XX/XX/XXXX. I uploaded it to thier website on XX/XX/XXXX. I called in today XX/XX/XXXX to get the isuue resolved and to get the extra {$260.00} refunded. They gave me the run around for over another hour. I asked for a supervisor. The refused to put a supervisor on the phone. They stated they will update their records but that the {$260.00} would be to the escrow account. I stated that i didnt want it to go to an escrow account and that i wanted it refunded to my bank account. Once again, I have never had an escrow account. And i proved that this mistake was on their end and not on my end. Here is a big question. How can they charge a customer {$3100.00} for a policy that they never intended on purchasing. They cant purchase a policy for coverage a year ago. They had proof that my coverage is current. They had proof of the coverage from XX/XX/XXXX to XX/XX/XXXX at some point because they never questioned my payments for that entire period. I want the situation resolved immediately. They place you on hold and try to make it so difficult that you give up.
Consumer complaint received 2024-01-10
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. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I met with XXXX XXXX XXXX about matchmaking services. As soon as I sat down they said I had a match with someone named XXXX, they promised an introduction on XX/XX/XXXX. I filled out the paperwork and then we talked about cost. The person, XXXX told me that it cost {$20000.00} dollars but I told her that I didn't have the money. She talked to someone on the phone, took my picture and said that they would charge me {$5000.00}. I told her that was too much and she asked if I had a credit card. I told her I had one but only had an available balance of {$3000.00} not enough to cover the {$5000.00}. She forced me to apply for a credit limit with increase in front of her, my credit card issuer was XXXX XXXX. I then signed a contract that was a bit confusing. The language on the body of the contract said that I was unable to get a refund for the service but just above the signature line it said that if I wanted a refund I'd have to ask for XXXX within XXXX days. On XX/XX/XXXX, I called my credit card company, Sears Mastercard to file a billing dispute. I explained that I saw on the XXXX XXXX XXXX website this company was listed as a scam. They put a hold on this transaction. I then worked with XXXX XXXX XXXX to get a refund. They never set up an introduction with XXXX. Over the next few weeks, I did not receive any communications from the match they made with a XXXX, until I kept bringing it up with me. XXXX the person I initially met with told me she's not a matchmaker and that I'd have to speak with the matchmaker. I kept on getting bumped to different people. Eventually, I was blocked by XXXX. I collected all this information and provided it to Sears Mastercard. On XX/XX/XXXX, they said my billing dispute was resolved and that I did not have to pay for this service. In XXXX ( the date is a bit fuzzy ) Sears Mastercard said that they received information fro XXXX XXXX XXXX and that I was on the hook for the service and my account was charged. I sent them a letter telling them that I was forced to apply for a credit limit increase and asked that they look at the timestamp of that event. On XX/XX/XXXX, I received another letter from Sears Mastercard that they decided to go with XXXX XXXX XXXX and I was responsible for paying this.
Consumer complaint received 2024-01-10
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. (MD)

I am writing to formally file a complaint against XXXX XXXX XXXX regarding issues related to the reporting of my information to credit bureaus, specifically Experian and XXXX. 

I am an account holder with XXXX XXXX XXXX. I have encountered significant problems resulting from what I believe to be inaccurate reporting, particularly in relation to a XXXX charge. This situation has caused considerable distress as it is hindering my ability to apply for credit. For example, when attempting to secure a vehicle loan, I was informed that I needed an excessive {$12000.00} down payment. 

Despite my efforts to seek clarification and resolution through communication, specifically via an email sent on XX/XX/XXXX, and XX/XX/XXXX I have not received any response from XXXX XXXX XXXX. The lack of communication has exacerbated my emotional distress and financial difficulties. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe XXXX XXXX XXXX 's actions XXXX be in violation of consumer protection regulations, including those outlined in the XXXX Privacy Act. I request the XXXX 's intervention in investigating and rectifying the inaccuracies impacting my credit report. 



I appreciate your prompt attention to this matter and request that the Consumer Financial Protection Bureau investigates this complaint thoroughly. I am hopeful for a resolution that ensures the accurate reporting of my credit information and the restoration of my financial standing also XXXX said XXXX are the the only XXXX that keep reporting my credit.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (MO)

Notification from Experian at XXXX that another dispute is ready to view on-line and the evidence I provide from this point on is purely for further? Experian tells customers that there disputes are ready to view on-line line but in all cases its a ploy to get you to call here customers service rep and give them your social security number AND WHEN YOU DO THAT THEY TELL YOU SORRY BUT EXPERIAN DOES NOT ALLOW THEN TO FIX ANYTHING, SCAM SCAM SCAM SCAM
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc. (WA)

" I purchased a vehicle from XXXX XXXX XXXX in XXXX, WA ( XXXX ), and financing was arranged through Reliable Credit. However, I later discovered that the vehicle had a salvage title, which was not disclosed to me during the sale. Despite my attempts to resolve the issue, Reliable Credit hung up on me, and the vehicle was eventually charged off according to a letter received by reliable credit I wasnt driving the truck at this time and I dropped the insurance. My vehicle was stolen the same week that I got the letter that they charged it off. The vehicle was a stolen recovery according to police reports about a month later in the same day Reliable Credit repossessed the vehicle and claimed that I still owed {$15000.00} on a XXXX XXXXXXXX XXXX with a salvage title. I believe this is illegal and that they should be out of business. I have attached a copy of the XXXX XXXX XXXX price, which was marked as a regular title, and the branded title disclosure that was marked " other '' with no mention of a salvage title. This is a clear case of taking advantage of a victim of identity theft and destroying my credit. I am seeking a full refund and compensation for any damages incurred. ''
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AZ)

Firstly, XX/XX/2023, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (AZ)

XX/XX/XXXX  I purchased through PayPal a camera on XXXX XXXX with the trusted site advertised 100 % Return Customer Satisfaction and 100 % customer rated reviews on Seller  XXXX. PayPal did not cooperate in reviewing my verified documentation Seller  had agreed to make the return if I changed my reasons for return as " not as advertised '' and said I would but had no options to make any entry since XXXX did not show any options and my history of payments was null in my profile. Seller must of had control over the website he advertised so I was reliant on his emails from inception of purchase. Seller agreed to refund and start return but had no time for me and would get back to me. I was uncomfortable with this unprofessional comment - camera was advertised as XXXX camera. There was no disclosure it was in XXXX language only and could not be converted to English. It was upon discovery, as a gift, the camera was in XXXX and the instructions and was not convertible to English. If I had waited for Seller it would have exhausted my return time-frame so I filed a dispute with PayPal who transferred my payment from my XXXX credit card. Seller then closed the return via email to me. PayPal did not review properly the agreement of warranty of returns from XXXX  stated and advertised 100 % customer satisfaction, nor did they accept the agreement the seller stated he would start a return process but had no time for me. PayPal has a bias to XXXX and is not a fair advocate for me as the consumer. I am filing a bad faith claim with PayPal for failing to investigate proper documentation. I have appealed twice. PayPal stated the advertisement was close enough description - that was not the agreement XXXX  advertised 100 % customer satisfaction return policy and Seller agreement to return. It's bias and unfair to me. I want a refund, I want a return process with a mailing address to return the camera to XXXX! a
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (OK)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information on my consumer report. This is a violation of my federally protected consumer rights. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My name is XXXX XXXX XXXX XXXX there should be no other name on my credit report. 

My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX. 

Remove any other address it is not mine and not deliverable by the United Postal Service which would prevent me from receiving mailings and important information. 

Experian has failed to address my concerns or correct my consumer report. This has caused me significant damages.
Consumer complaint received 2024-01-09
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (NJ)

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the Law offices of XXXX XXXX XXXX and associates. 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (CT)

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADVISORS MORTGAGE GROUP, LLC (NJ)

My realtor got me in contact with XXXX XXXX from Advisor 's Mortgage as I was looking into what I could get financed for or what the max purchase price of a home would be under my name. Not once on the initial phone call I had with XXXX did she say she would be doing a hard pull on my credit to look into my details. I had assumed it would be a soft pull, but then I got a notification on my phone that it was a hard pull while I was talking to her. 
At the time I felt like I had to work with her since my credit was already pulled and affected by this. So I worked with XXXX to get her the documents she had requested as well. 
Several weeks go by and she had not gotten back to me. I emailed her on XX/XX/XXXX asking clarifying questions and she got back to me on XX/XX/XXXX stating she was ill and had helped family out but would get back to me the next business day, however she never did. 
Almost XXXX weeks later I email her back to close out my application and remove the hard pull on my credit as I was not going to be conducting further business with them. 
Their Compliance XXXX XXXX XXXX stated that they would not remove the hard pull as they feel it was the correct thing to do. 
I do not agree with this, as I was just looking for preliminary information to start with before I would move forward with them as my mortgage company. I want this hard pull removed from my credit, XXXX ghosted me when she could've easily handed my application off to another person within her branch if she was so ill, it's not fair to have it on my credit report for XXXX  years before falling off.