davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (MI)

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 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 2023-07-07
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im a victim of the XXXX data breach. Someone used my personal information to obtain two credit cards. From XXXX XXXX XXXX on XX/XX/21 and another card on XXXX/XXXXXXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (OH)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX My social security number is XXXX I had fraudulent activities on my credit report due to an old roommate I disputed the claim they approved the claim but the discrepancy is still on my credit report also I had a car payment discrepancy where they sent the money back and it was not my fault it was due to the financing company switching payment methods I also disputed that and it was also approved because the vehicle was paid off with the next payment but it's still on my credit report also I'm trying to clear all this up so I can get a loan for a house My information has been used fraudulently a few times through the years and I'm just now learning about a lot of it and trying to clear it up I would definitely would appreciate some help
Consumer complaint received 2023-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Carrington Mortgage Services , LLC uses an escrow payment projection method that uses a lower projected payment amount than the higher actual current payment amount, to project needed escrow payments for the next escrow year cycle. Because of using their projected current to escrow payment number, they are projecting my escrow account will be short, and as a result, are adding an additional short payment amount to my escrow payment. This is causing my monthly mortgage payments to increase. THIS IS AN ERRONEOUS PROCESS. 

The projected escrow number being used is lower than my actual current escrow payment. Their projected payment number is {$570.00}. I currently pay {$630.00}. If my actual payment number is used in their credit/debit schedule instead, the escrow account is never negative at its lowest point, and does not require an increase to cover any supposed shorts. The account is only projected to be negative if the made up projected number is used. 

This is the second year in a row they have done this. Last year the made up projected payment number was {$520.00}, but I was actually already paying {$610.00}. The scenario last year was the same. If my actual higher payment number was used in the calculation, my escrow account would never have been negative at its lowest point. My loan was sold to them, I never had this issue with the original mortgage holder, and the original holder used the actual escrow payment amount to project the escrow balance for the upcoming year, and not a made up lower projected number. Carrington Mortgage Services , LLC gets this made up projected payment number by taking the escrow disbursements total and then dividing it by 12. By this logic/method, the account will always be short, and they will always raise your monthly payment on a yearly basis. There is no limiting principle to this method, and the method uses incorrect numbers in its calculation. 

I spent many hours with on the phone with Carrington customer service, escalated to supervisors, and various other departments. All of them told me to kick rocks, and this is the way its done. I was told you can not speak to the escrow department on the phone. Customer service also supposedly contacted escrow on my behalf, and were told there is no error. Of course there would be no error found when you rerun the same calculation with flawed inputs. The process itself is the problem. I also sent several emails and follow up emails to the recourse team listed on their website. I was never contacted by the recourse team to address the issue. This is a predatory practice to justify holding more than is necessary in their escrow accounts. My guess would be to have more float to loan or invest for profit. 

My next steps will be contacting an attorney if this predatory practice is not changed/rectified.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company is sending me information I already have only 2 statements. Im asking them for the entire complete statement for this credit card. I also sent them the hardship form they sent. They sent me the same thing over and over. I NEED THE ENTIRE STATEMENTS YEAR BY YEAR NOT ONLY 3 piece of statements.If they bought this account they should have all the documents.
Consumer complaint received 2023-08-17
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. (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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-17
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to formally address a concerning situation involving unauthorized actions and inconsistencies related to my Bank of America ( BOA ) credit card account ending in XXXX. The sequence of events and the subsequent actions by BOA have not only violated my consumer rights but have also inflicted considerable distress and disruption in my personal and financial affairs. 

Without any prior notification, I discovered that my BOA card ( ending in XXXX ) was inexplicably closed. Moreover, all traces of this card vanished from both the online banking portal and the mobile app, despite my timely payment of the balance and ensuring the legitimacy of all transactions. To further complicate matters, on XX/XX/XXXX, a merchant reached out to me querying about a claim I supposedly filed against them a claim I neither initiated nor authorized. Following this, I contacted BOA multiple times seeking clarity. However, their feedback was inconsistent : they neither saw any claim against my supposedly closed account nor any outstanding balance. This inconsistency became even more baffling when, on XX/XX/XXXX, I received a letter from BOA, declining a claim I had never initiated. 

These events have adversely impacted my relationship with merchants, eroding trust and complicating both personal and professional engagements. Additionally, the entire scenario raises severe concerns regarding the safety and integrity of my personal and financial information with BOA. Above all, the mental and emotional toll this situation has exacted, compounded by the lack of clear communication and resolution from BOA, can not be overstated. I sincerely hope for an expeditious and satisfactory resolution to this grievance.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and Transunion reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
Consumer complaint received 2019-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/19 I made a deposit in the amount of {$500.00} to a suntrust ATM located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In the middle of the transaction the ATM malfunctioned and restarted. I immediately called into the customer service line to make sure my deposit went through ( time of call at XXXX Saturday XX/XX/XXXX ). I spoke with a representative that let me know that the deposit did in fact go through. I asked if I needed to take any further action and was informed that I did not. 

On Sunday XX/XX/XXXX I was auditing my account and noticed that the deposit for XX/XX/XXXX was not reflecting on my account. As it was a Sunday I waited until XX/XX/19 at XXXX to call in to customer service and speak with someone about my lost deposit. A claim representative let me know that he saw a deposit was attempted but it did not ultimately go through. I was told that I would have to wait for an investigation to be completed but a temporary credit could be applied to my account in 10 business days. I expressed my concerns about having to wait 2 weeks to have access to my money due to a malfunction with their equipment and was not offered any solution to that. 

XX/XX/XXXX at approximately XXXX I went in to the branch where the transaction took place. I asked if the branch had access to the ATM camera and was informed that they did not as they do not service the ATM themselves. I asked if the temporary credit could be expedited, a representative called the disputes line and was informed that we would not be able to do so. It was brought to my attention by the representative that their power went out 3 times over the last month. I was told that I would have to wait for a count to occur and see if they have surplus cash. 

At this time I am not confident that Suntrust will give me access to my deposit. Furthermore, if I hadn't noticed that my deposit hadn't posted they would have kept my money. The ATM didn't give me a receipt ( turned off in the middle of my transaction ), I don't have access to the video from the ATM, I don't have access to the calls I made and the counters could just lie about having surplus cash.
Consumer complaint received 2019-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Our home was severely damaged during hurricane Florence. Our flood insurance went into effect and we received the insurance check for {$86000.00}. The check was issued to us and DITECH. We endorsed the check and mailed it to Ditech as requested by Ditech. Ditech received the money on XX/XX/2018. All paperwork has been submitted to Ditech that was required of us as homeowners. Per Ditech, the check has been issued and is to be sent to use for need repairs. We have yet to receive the check at this time after several time frames and delays have been stated by ditech. Our XXXX has started good faith repairs and has since had to reschedule do to the hardship of lack of payment. My family and myself are currently residing in a camper as our home is unfit for habitation, these delays have been truly inconvenient and unnecessary. Such delays have increased the exposure time of our home to hazards ie mold and mildew, increaseing further repairs and damages. Ditechs lack of communication and release of funds provided by our insurance company, has cause increased time frame for completion of repairs and possible loss of acquired XXXX. 
Any assistance that can be rendered for this current situation would be helpful, we do not know what other routes to take to return to our home.
Consumer complaint received 2023-07-07
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 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 2023-08-17
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. (AL)

XXXX accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # 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 an account without my written instructions ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience.

Between the consumer and the person making the report.

Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

on XX/XX/2019 i emailed and faxed mr cooper my loan modification application and was told by mr cooper that they will not review my application due to a foreclosure sale date on XX/XX/2019 their website does not say that package had to be received 45 days prior foreclosure sale date please help
Consumer complaint received 2020-04-17
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 (FL)

Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : Discover Financial Servi XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.
Consumer complaint received 2023-07-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CURO Intermediate Holdings (LA)

I had ran into hard times about 4/5 months ago first heritage told me they would settle for XXXX at the time I didnt have it the manager told me that I can continue paying the amount the monthly amount of {$110.00} and I been doing so I looked over my credit report First heritage have a XXXX balance with XXXX and Im not understanding how you reported my balance and still taking money for the account I just paid on this account on XX/XX/2023 if First heritage reports XXXX and close account by law they can not get money on this account and should be deleted off my credit report