davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX TransUnion XXXX have all reported my credit score wrong some of injuries, My credit score never goes up only goes down I've had a XXXX score for A year and a half now That's all the keep reporting my score yet
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-09-09
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. (CA)

Hello, Equifax was hacked and did not notify me of the breach until a month later. In a month 's time, an individual with my SSN, and other personal information may have stolen my identity.
I do not understand why they were not fully transparent with this situation. It was reported that this breach may impact me. I would have like to have known way sooner.
Consumer complaint received 2017-09-19
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: Monterey Financial Services LLC (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2017-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CA)

during the processing of our mortgage, Primelending mortgage service  has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In turns, they keep delaying the disclosure statement, and escrow date was moved back twice due to their lack of response. The escrow service team and the vendor lawyer had contacted them numerous time to finalize the deal, the deal almost fell through.
we have contact Primelending and the reply was our fault for delaying the appraisal process, and our debt ratio exceed their guideline which has never been stated. Also, we have rental agreement with a tenant with a monthly payment qualify for the mortgage.
We much appreciated you could open an investigation into the issue.
Thank you
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX Portfolio Recovery associates XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX CAPITAL XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-08-10
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. (MA)

Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. 
*Disputed Account Information : * - Creditor : XXXX  - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. 
Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Initially contacted by this collection agency the later part of last year and at that time I advised them to refrain from contacting me because I spoke with XXXX and explained my situation to them. Will being making payments directly to XXXX. This agency continued to send notices that were returned to them unopened up to this date. I was notified by my monitoring service that an collection account was added and some fraudulent activity was going on so I disputed all items including an unknown collection account. I received information to show that the same collection agency added this account to my credit file AFTER I advised them 1 ) that I was paying XXXX directly on payment plan. 2 ) they still contact me AFTER I advised them to refrain from contacting me AND 3 ) they added this account to my credit file w/wrong amount. This really affects my credit badly.
Consumer complaint received 2017-09-19
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. (GA)

This is in regards to the major information breach and Equifax. 

Equifax indicated that my personal information ( all personal information they had, which is nearly everything as far as I know ) was breached and leaked. Reports indicate that Equifax woefully mismanaged their information security as well as their response to this breach of the personal information of 140 million Americans. 

I do not believe that Equifax has responsibly handled their duties to protect consumer information. 

As such, myself and many, many millions of others are now at constant risk of identity theft and fraud for the rest of our lives. This is deeply unfair and unjust - and Equifax now wishes to charge fees for their 'services ' to protect us from fraud, giving them more personal information to handle. Put very simply, this is extortion. Equifax put our information at risk and now offers to extort the public for 'protection. ' As of today, there is precious little the consumers affect can do aside from placing temporary fraud alerts. These only last 90 days - which is hardly solace now that we face a lifetime risk of fraud and identity theft. As of XXXX/XXXX/XXXX I 've place 90 day alerts with two credit report bureaus, and am in the process of placing one with the third. 

Equifax needs to either compensate every single affected consumer for time and resources spent protecting ourselves from the risk they 've exposed us to. To resolve the issue, Equifax must work with other credit bureaus and federal agencies to fully reset the way credit is checked in our country. As of this breach, credit reporting is essentially WORTHLESS, as more than half of all consumers info is now potentially incorrect, unreliable, or stolen. The system needs to be reformed and consumers compensated.
Consumer complaint received 2016-04-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (DE)

The owner of a condominium unit passed away in XXXX of 2011. Since that time, there has been no action taken except for the bank changing the locks on the unit and completing a property preservation in XXXX of 2011. The mortgagee, Freedom Mortgage Corporation ( XXXX XXXX ) has not made any payments to the condominium association since changing the locks on the unit. There has been no foreclosure action initiated by the mortgagee. The association is owed in excess of {$13000.00} not including any late penalties or interest accrued.
Consumer complaint received 2017-09-09
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. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax did not report this breach in a timely manner, and even then did not provide notification to me through mail, phone, or email. When checking to see if I was affected on the Equifax website, Equifax chose to not provide a simple yes-or-no answer. They have only stated that " they believe my personal information may have been impacted by this incident. ''
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MN)

I refinanced my home loan with Freedom Mortgage to wrap in a home equity line of credit and to get a lower interest rate. The closing on the new loan occurred on Tuesday XXXX XXXX. The loan proceeds for the first loan were paid off on XXXX XXXX. 
According to Chapter 27 - Real Estate Settlement Procedures, Section 2605, sub-section ( g ) Administration of Escrow Accounts, " Any balance that is in the servicer 's control at the time the loan is paid off shall be promptly returned to the borrower within 20 business days or credited to a similar account for the new mortgage loan to the borrower with the same lender. My new loan already had included six months of prepaid escrow money. 
Repeated calls were made to the lender both by me and by my local Mortgage Officer for the company that had the Line of Credit. The lender 's call center and Escalation Department all could see my balance sitting there in a closed account. None could explain why the refund was not issued or what delayed it. The first call was made to the lender on XXXX XXXX to inquire on the status. The XXXX business days from the loan payoff was XXXX XXXX. I finally had a call from the Escalation Department at Freedom Mortgage that the check was sent on Monday XXXX XXXX. The check was dated XXXX XXXX but the envelope was postmarked Friday XXXX XXXX and arrived in my mailbox on Monday XXXX XXXX. So the check was mailed 27 days following the required XXXX business days ( in other words 47 business days after they received the loan proceeds to payoff the original loan ). 
I told them that the action was a violation of Federal Banking Regulations. This particular 20 business day regulation was amended to the law on XXXX XXXX, 2010 as an action stemming from the XXXX XXXX problems.
Consumer complaint received 2017-09-09
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. (NE)

Equifax Inc. 's systems were struck by a cyber-attack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. 

After using Equifax 's link www.equifaxsecurity2017.com on XX/XX/2017, it was confirmed " your personal information may have been impacted by this incident. '' Equifax allowed my information to be divulged without my consent. Equifax used my report improperly.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit reportXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WI)

Over 10 year period, Navient has been charging incorrect, higher interest percentages on both my Federal and private loans. After speaking with a representative with the CFPB on XXXX XXXX, XXXX, it was discovered that I also qualify for most of the charges the CFPB issued in their lawsuit filed in XXXX XXXX. In addition, there are the charges with the lawsuit the CFPB filed against XXXX XXXX XXXX in XXXX. There are additional charges that related and or linked to show cooperative, illegal and unethical practices between Navient and XXXX XXXX XXXX. I have spent years on the phone with XXXX/Navient being on hold for thirty plus minutes at a time ( one phone call I was on hold for almost an hour and a half, records of some of the calls were recorded as evidence ). In addition, Navient associates transfer calls to other departments and or associates who were not requested. They do every single time a customer calls them. This occurred again on XXXX XXXX, XXXX between XXXX and XXXX CST. At one point, I was on hold for over 45 minutes waiting for a supervisor. Another associate, not a supervisor, then picked the call up and proceeded to put me on hold for another twenty plus minutes. When a supervisor finally did come on the line, identified as XXXX XXXX, he refused to deal with the hold issue, refused to let me speak with his supervisor, who he identified as XXXX XXXX, and then hung up. Attempt to reach XXXX XXXX were unsuccessful, as I was told no one could find this individual in their entire system and going through multiple departments. One associate, identified as XXXX ID # XXXX, admitted that placing customers on hold for unacceptable amounts of time and transferring them to other departments and individuals was part of Navient 's policies and guidelines. XXXX also confirmed that the charges that were brought up against Navient by the CFPB were also part of Navient 's policies and guidelines. I was never able to reach XXXX XXXX after spending two hours and twenty six minutes on the phone with Navient associates.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically. 

Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again. 

On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days. 

Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (TX)

M & T mortgage is billing me for things, increasing my payments then charging me late fees. M & T stated my home owner insurance lapsed due to lack of payment. My insurance agent stated it did not lapse. My payments are done thru escrow so it is paid by the mortgage company. If it was n't paid then they did n't pay it. My insurance agent says it was paid and never lapsed. I did change insurance providers thru my agent for a better rate and additional coverage. 
M & T charged me {$4300.00} for lack of insurance then did a partial refund of {$2900.00}. They have done escrow assessments every 2-3 months ( this seems excessive is n't that once a year? ) increasing my payments every 2-3 months so my auto payments are short. Then, M & T does n't apply my payments since it is not the full amount and holds it in " suspense balance '' then charges me a late fee of {$470.00}. 
I have called repeatedly to resolve this. I get a different person every time and I am bounced from department to department with no resolution after days and hours on the phone. 
I think M & T has questionable practices making money on this repeated escrow assessment increasing payments, billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating