davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

XX/XX/XXXX, my escrow account was RE-evaluated. In that, the mortgage company added in an estimate for insurance they would be paying on my behalf, in violation of the closing documents. This caused my escrow payment to increase, as well as my mortgage payment. I called the first week of XXXX when I received the letter informing me of the increase, and was told ( on a recorded-by-them line ) that I was going to have to ask my insurance company for a refund because the mortgage company was absolutely going to buy insurance on my behalf. I then spoke to the insurance department who stated they had no record of me carrying insurance ( despite documentation of policies and coverage being included at closing ). I submitted copies of all policies to all 3 email addresses provided me, with no response. I called my insurance broker to inquire if they had been in contact with the mortgage company, and they provided a list of dates where the mortgage company had reached out and they had responded with documents. They also resubmitted all documents for all policies. I called the mortgage company again today, and the escrow department stated they showed no insurance coverage, so they transferred me to the insurance department who was confused because they see sufficient current coverage through 2024. So back to the Escrow department, where they can now see the coverage and the incorrect impounding for insurance coverage. The escrow department proceeds to tell me that everything we can do to correct this error for you has already been done, but for some reason it hasnt changed. There is a system issue causing a problem. The escrow department then suggested I log into the website and open a complaint on the contact us section, and upload any supporting documentation I have that would help them resolve the issue. 
Meanwhile, I am being asked to *pay more into their accounts than I contractually have to* because of a system error that they can not resolve, with the only remedy available to me is to resubmit everything they already have in their possession and have determined is in order, so they can research this further. 
To recap, they are demanding more money than they rightfully can per the closing documents ; they have investigated and determined that they are in the wrong, and they should not be doing this, per documentation in their possession ; the only remedy available is for *Me* to re-submit all supporting documentation of their error so it can be investigated.
Consumer complaint received 2023-05-11
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. (IL)

According to FCRA LAWS 15 U.S CODE & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America was not applying our payments to our Loan. This was proven by our Payment Histories. This is the same thing about the Origination date. We built our house in XXXX. That's the Originated date, not XXXX. The biggest FRAUD!! took place during the Closing of refinance on XX/XX/XXXX with my husband XXXX XXXX XXXX. The Closing took place around XXXX XXXX  that night. He had just gotten off from work and when he walked in he was expecting XXXX. My husband was never told that XXXX XXXX  was refinancing the Loan. He was never told Bank of America was during the refinance. My mother was in XXXX XXXX on life support and I didn't go with him. It was him and a XXXX lady just the 2 of them. He said the Document Wavier of Borrower 's Rights was never explained. A document that allowed Bank of America to take our house anytime they wanted to. NO!! he said he never heard that statement before and he would have never signed a statement like that. Some of the documents that I have copies of HUD 's Loan numbers and Case numbers are blacked out except for the last 4 digits. On some of these documents. My original copies are not blocked out. I filed a Lawsuit against discrimination against XXXX XXXX in XXXX. My family was XXXX. The next thing that happens was my husband worked at XXXX XXXX. He got a call and they told him to bring the train in. They said my husband ran a signal and the camera didn't take a picture, it was broken. The conductor didn't call a signal. That's the person who calls out the signal. They suspended my husband for 2 years. He went back to the tractor-trailer driver. The conductor went back to work in 2 weeks. 
My husband was an Engineer with XXXX XXXX. He was bringing XXXX {$7000.00} a month. He was employed there for 10 years. I also discovered this house was in foreclosure twice in XXXX and XXXX. I also found out you don't have to go through the foreclosure procedure you can put it in without notice. We built this house in XXXX the FHA XXXX no. is XXXX. This is a new construction in XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX Mortgage XXXX XXXX We never miss a mortgage payment. Bank of America would not allow HUD or XXXX to help us find the problem with this Loan. XXXX and XXXX XXXX will pay to have a Forensic Auditor to Audit this LOAN
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a XXXX XXXX decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided XXXX statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.
Consumer complaint received 2023-05-11
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. (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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (HI)

XXXX has outstanding amount due for {$74.00} on my account which they claim was paid/credited to my XXXX credit card, but I never received it. I disputed the charge with XXXX and the amount was retruned to my credit card, however, XXXX turned around to charge me account with the amount. Now XXXX has sent the {$74.00} to a collection agency. 

This was for a returned purchased from XXXX, which I paid using XXXX and my XXXX credit card was connected. 

I have asked BOTH XXXX and XXXX to look into this as I should not be paying for returned merchansdise and for a credit I was owed. But they are unable to help me get this fixed.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (CT)

I submitted on Sunday XX/XX/XXXX through the Apple wallet a transfer from the Apple Savings account to my linked checking account. It said it would take 1-3 business days. On day 4 the company has not sent the funds to my bank, and they are not accessible to me. They keep putting me on hold when I call and avoiding sending my money.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-11
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)

1. Item remains in inquiries section : XX/XX/202XXXX XXXX XXXX  XXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (NC)

I contacted customer service and spoke to an agent to cancel my service. This was due to poor reception in my area. I was advised to return all equipment which I did. The only reason I paid the collection was to have it removed from my credit reports as it should have never been reported in the first place. They are in violation of the FDCPA for erroneously adding a derogatory item on my credit report. This has caused my scores to be impacted negatively and I have been denied credit and had to pay higher interest rates. I am requesting that this is immediately removed from my credit reports. This has impacted my XXXX XXXX XXXX XXXX XXXX reports.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I do not have an account with XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hello, I'm writing to you because I had received a letter from 53rd Bank dated XX/XX/2023, regarding the misapplied funds. The letter states " we wish to confirm that we have posted your payments according to your instructions '' wish it don't tell me nothing. I don't see anything posted as discussed with 53rd bank. 
The letter did not resolve my complaint because it is not detailing any amounts or a breakdown of what did they do with my {$2600.00}, I paid on XX/XX/2023, on escrow shortage. 

The escrow shortage was not {$2600.00} like I was told by 53rd by escrow agent XXXX, on XX/XX/2023, which I had paid so my monthly mortgage won't be so high. On XXXX XXXX, I called to follow up and I was told by XXXX that the {$2600.00}, was not applied because it was not the correct amount. Representative ( XXXX XXXX told me on XX/XX/XXXX, that the correct amount was {$1200.00} and once applied my monthly mortgage will go down to {$1300.00}. Nothing has been done as discussed and this keeps happening year after year with escrow issues. 

This issue needs to still be resolve and a letter with a breakdown of what they did with my {$2600.00} and my monthly mortgage should have been adjusted to a lower amount. If the {$2600.00}, was applied to the escrow I'm fine with that but my mortgage payment should have been lower. Also, my monthly mortgage payment its still showing at {$1400.00} instead of {$1300.00}. 

On another note : XXXX XXXX XXXX had adjusted my insurance to {$5100.00} a year which should also drop my escrow total. XXXX XXXX XXXX told me they sent you a new declaration with the new total during XXXX. 

I also wish to talk to someone that will give me accurate information on how to apply more money to my principal to lower my monthly and pay the mortgage sooner. 

I appreciate your assistance in this matter. 

Best regards ; XXXX XXXX XXXX
Consumer complaint received 2017-12-02
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 was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.
Consumer complaint received 2023-05-11
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. (VA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

The company in question is Truist Bank On or about XX/XX/XXXX someone tried to make an unauthorized purchase of {$250.00} with my chipped debit card. The bank caught this and deactivated the card and issued me a temporary card on XX/XX/XXXX. 

On XX/XX/XXXX while waiting for my new chipped card, someone used my temporary card to make 3 out of network atm withdrawals about 30-40 minutes from my house, totaling {$800.00} ; not including fees and over drafts. 

XX/XX/XXXX I noticed the withdrawals and immediately went to my local branch, where they deactivated the temporary card and issued me a second temporary card. I was unable to make the fraud claim then, because the transactions were " pending ''. 

XX/XX/XXXX I started the fraud claim, as the transactions had posted. 

XX/XX/XXXX I called the fraud line and found out my claim was denied but wouldn't explain why. I then went to the local branch to speak with the manager. The manager called and they denied the claim because they said the withdrawals were done with a chipped card. Which was impossible because mine was deactivated, and temporary cards do not have chips. So, we made a new claim/resubmitted the claim. 

XX/XX/XXXX still no refund and I find out my claim was denied for the second time because " I didn't report it lost or stolen ''. Obviously, it wasn't stolen, it was skimmed and cloned, unbeknownst to me at the time and I reported this on XX/XX/XXXX and had the official claim opened on XX/XX/XXXX when the debits posted. 

XX/XX/XXXX - XX/XX/XXXX I continue calling their fraud claims line to have my claim escalated a third time. 

XX/XX/XXXX I filed a police report in the county the fraud happened in and emailed this to the bank 's fraud department. 

XX/XX/XXXX I speak with the bank manager again and he filed a complaint on behalf, against the fraud department and said he would contact me no later than Tuesday XX/XX/XXXX. 

XX/XX/XXXX I found out the police report I made on XX/XX/XXXX, in the county the fraud occurred in, was rejected. The report needed to be done in my county due to the nature of how bank fraud works. It's considered to have been done at my residency, so I made a new police report in my county. 

XX/XX/XXXX I had to initiate contact with the bank, as no one had reached out to me. I informed them of the new police report. 

XX/XX/XXXX issue is still not resolved, and the bank has never, not once, initiated contact with me and continue refusing to honor my claim.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I am XXXX XXXX a senior Recovery Agent for XXXX, a XXXX XXXX. I have submitted to Equifax appropriate documentation ( see attached to this complain ) to report identity theft for a consumer and requested that they place an extended 7 year fraud alert for the victim, remove certain fraudulent items from the credit file in question, and provide an update credit report to verify the actions were taken. All of these requests are within my scope of authority and all actions requested are within the scope of response required under FCRA when identity theft is reported to the credit bureau. To date Equifax has failed to provide a response of any kind to these requests. The requests have been submitted on 2 separate occasions with appropriate time allowed between requests and this complaint filing to allow the credit bureau to respond. This represents a willful violation of the FCRA.