davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

This is the second time escrow has been messed up. The first time they failed to pay my property taxes, returned funds to me, then charged me an excess amount to get the " tax escrow '' caught up then finally returned funds back to me in XXXX. Then in XX/XX/XXXX they paid my condo associations master condo policy of {$3800.00}. My insurance has NEVER been included in escrow. Only taxes. 
In XX/XX/XXXX I received a notice that my escrow was going to have a negative balance and that my mortgage payment was almost doubling. I immediately contacted XXXX to figure out what was wrong. I believed they had purchased a policy in my name because they did not have proof of insurance. They told me to upload proof that I paid my personal insurance policy, which I did. It was then that I discovered that it was the master policy that they were requiring so I uploaded that. They did another analysis and dropped they premium amount by about {$400.00}, still much higher than I was supposed to pay. I have been speaking with them weekly to get this resolved, thinking that escrow needed to fix this payment to a policy they purchased. In the mean time, they then also went and paid my personal homeowners insurance - once again something they never should have done. I have been harrassed with calls, letters, and knocks on the door regarding this even though I have been speaking with them weekly. Finally on XX/XX/XXXX I spoke with someone in their insurance department and determined that they hadn't purchased a policy, but had paid my Condo Association 's insurance company. I obtained a check from them, deposited it and then called SLS on XX/XX/XXXX to process this payment. I call on XX/XX/XXXX because I was concerned about a call I received stating that I was in default. It appeared that they hadn't properly applied the payment. To resolve they wanted a complete copy of my bank statement, which I was NOT going to provide. I was finally able to speak with someone who actually located the funds and applied them correctly. In the mean time, a useless escrow is being processed because the escrow will not be corrected until the payment is posted. As of XX/XX/XXXX the payment is still not completely applied and I can't tell escrow to run a proper analysis. The fact that I have to constantly call them to fix their issues, call them to have the escrow re-run and fixed... their people are very rude when calling and the majority of them arent helpul. My credit was hurt by this and I don't believe it will be fixed. I have been made XXXX XXXX with the XXXX  of this all. SLS made a huge mistake and then came after me for it. Some of their people were unbelievablly nasty. They should not be allowed to conduct business like this. My next move is to remove escrow completely as they have shown they are not competent to handle it.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023 I received a {$1500.00} payment from a client using Chase 's WePay payment processor. My merchant account # XXXX. The closed my merchant account citing risk for charge back. My account has never received a charge back and the client confirmed that the payment was processed by their card provider. 

I called Chase on XX/XX/2023 to get clarity on when I would have access to my funds, and they said it would be 120 days. A complaint was also filed by the XXXX XXXX XXXX at the XXXX XXXX, SC branch. 

Chase customer service has been vague about why this happened and they've been evasive with both me and their branch personnel about how to correct this. Their actions have cause me a financial burden.
Consumer complaint received 2023-08-16
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 these XXXX  Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX BANKRUPTCY XXXX XX/XX/2014 REFERENCE # XXXX DEPTEDXXXX ACCOUNT # XXXX DEPTEDXXXX ACCOUNT # XXXX
Consumer complaint received 2023-06-23
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. (OR)

XXXX Equifax and XXXX are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL) (PA)

The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.
Consumer complaint received 2024-08-17
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. (NJ)

I am writing to formally dispute and demand the immediate deletion of a bankruptcy entry on my credit report, which I believe has been recorded in violation of federal law. Specifically, the reporting of this bankruptcy is in violation of the following statutes under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : The aforementioned statute outlines the specific permissible purposes for which a consumer report may be accessed and reported. My bankruptcy record was included on my credit report without my explicit consent or any permissible purpose as defined by the statute. There was no authorized or legitimate reason for this information to be accessed or reported without my prior written consent.

Violation of 15 U.S. Code 1681q - Obtaining Information Under False Pretenses : It is my belief that my consumer report was accessed under false pretenses, without my knowledge or authorization. The inclusion of the bankruptcy on my report, without my written consent, suggests that the reporting agency or other entities involved may have obtained this information illegally.

Violation of 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : Furthermore, I have reason to believe that the inclusion of this bankruptcy record may be a result of identity theft or unauthorized access. This statute mandates the blocking of information on consumer reports that are a result of identity theft. I demand that this information be blocked and permanently removed from my credit report. 

The presence of this bankruptcy on my credit report is causing significant harm to my financial well-being and reputation. I demand that this record be deleted immediately from my credit report and that I receive written confirmation of this action within 30 days from the date of this letter. 

Additionally, I request that the CFPB investigate this matter thoroughly to determine whether there has been any illegal activity or violation of my consumer rights. I expect a prompt response and action to rectify this situation. 

Please consider this letter a formal complaint under the FCRA, and I reserve the right to pursue legal action if this issue is not resolved to my satisfaction. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (DE)

On Wednesday XX/XX/XXXX I contacted my bank and reported my debit card stolen and I requested a new pinI then was connected to the fraud department and I disputed atm withdrawals made on my account that I did not doI explained the last time I physically used my debit card at ATM was XXXXI explained there were two ATM withdrawals made that I didnt makeI noticed two which were the following on dates XX/XX/XXXX amount XXXX and XX/XX/XXXX amount XXXXI spoke with the representativehe didnt give any further steps or anything he just explained to me that the bank will issue a credit for the charges I disputed and the bank has 90 days to do a formal investigation..so today is XX/XX/XXXX and I contacted my bank gave them this claim number XXXX because thats the claim number he gave me on XXXXand a representative today said can I help you and I said yes Im calling to check the status of my claim filed because my bills I paid are now being returned and she said the bank denied my claimand I asked why she said she didnt know whyand I asked her what do I do nowthis has never happened to mesomeone stole my card went to the atm and took my money out my account and I didnt give anyone any permission to that..and my bank didnt do any formal investigation and I am due a provisional credit and the bank is supposed to do a formal investigation and that is what the first customer service representative explained to me on XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries reported wrong on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Transform Credit Inc. (GA)

I received a notice of my applying for a {$7000.00} loan from a company named Transform Credit which I have NEVER applied for any loan through this company. I finally contacted them but could only text with them which they refused to give me any legitimate contact information for the company ( ie ) a phone number to call, a legitimate physical address, but insisted I give them my personal information via text without my verifying the company as legitimate - which I unequivocally refused to disclose information via text message with an unknown person without actual information that could be verified about this company. I was told that they only take legitimate applications, however, a neighbor actually got a ding on her credit report from none other than Transform Credit for a XXXX loan and she has never applied for a loan either. As far as I am concerned, this is Identity Theft and I want this company to identify itself, its phone number and physical address so that I may proceed to stop the identity theft and identify this company. 

I want to know who the party was that applied in my name and if they do applications online, then they have an IP Address and other information to provide to me. 

Just telling me they cancelled the application is not sufficient, as they processed an application and used my info without my consent.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT XX/XX/XXXXXXXX to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT use or to be in possesion of any of my identifying information. This is a Violation of XX/XX/XXXX XXXX XXXX XXXX They are harrasing me thru email, phone calls, and mail. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. I have given them verbal notice to cease and desist all illegal activity and communications .I am not requesting validation of any alleged debt as I KNOW NOW that by MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXXXX/XX/XXXXSOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN XXXX MIDLAND CREDIT MANAGEMENT THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT MIDLAND CREDIT MANAGEMENT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND CREDIT MANAGEMENT NOR DESIRE TO. Section 807 ( 15 USC 1692e ) states that no deceptive or misleading practices nothing unfair from a debt collector is to be done. MIDLAND CREDIT MANAGEMENT SENDING LETTERS AND EMAILS IN BIG RED LETTERING HEAD STATING " PRE-LEGAL NOTIFICATION '' IS ILLEGAL AND THREATS TO SEND TO A LAWYER IS VIOLATION OF THE FDCPA .NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY IM NOW TO BE AWAREDED { {$1000.00} } PER VIOLATION AND MIDLAND CREDIT MANAGEMENT YOU HAVE VIOLATED ME THREE TIMES IN THE LATEST LETTER I RECIEVED in XX/XX/XXXX. I DEMAND NOW UNDER THE FDCPA YOU SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING { {$3000.00} } AND CEASE AND DESIST ALL THREATING COMMUNICATIONS WITH ME
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXXXXXX ( charge off ) XXXX XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc (MN)

XX/XX/2020 I was at XXXX and paid XXXX to be put on my PayPal account and PayPal never put my money on my account. XXXX checked their side out and it was sent to PayPal and paid but my account never received the added transfer. I have recipe for my purchase transfer. Immediately PayPal voided out my Paypal debit money card the same time when I called them.
Consumer complaint received 2024-09-02
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. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and experian for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :