davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MD)

In XX/XX/2020, I informed Freedom Mortgage ( Freedom ) of an Annual Fee that should be included/paid out of my Escrow Account. This is an approximately {$750.00} annual fee for the water/sewage pipe that connects to the county pipeline. Failure to pay this fee subjects the property to liens. Section 3 of the Deed in XXXX governs the Funds for Escrow Items. This section clearly reflects : a sum ( the Funds_ to provide for payment of amounts due for ( a ) tax and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the property, ( b ) leasehold payments or ground rents on the Property, if any ; ( c ) premiums for any and all insurance required by Lender under Section 5 ; and ( d ) Mortgage Insurance premiums to be paid by XXXX XXXX XXXX XXXX or the monthly charge by the Secretary instead of the monthly Mortgage Insurance Premiums. These items are called Escrow Items. This expressed language in the Deed of Trust clearly includes this annual fee. 

XXXX consistently fails to include this annual fee in my escrow analysis and to timely pay this annual fee claiming it is a utility bill or ground rent. I consistently explained to XXXX this is not a utility bill, tax bill, or ground rent because water and sewage is paid to XXXX monthly and taxes are paid semi-annually to XXXX XXXX XXXX. After going back and forth with XXXX, it eventually paid the fee after it had accrued late fees as well as collection fees. Freedom employees have claimed that they will note my account to have the escrow analysis updated to include this fee. However, the recent analysis fails to reflect this adjustment just like the previous years! I also requested XXXX employees send me the written determinations concerning this issue. To date, I have not received any written communication why XXXX refuses to timely make these payments or to include them in the escrow analysis. I believe that XXXX is engaged in negligent servicing of my loan that is in violation of 12 CFR 1024.17 ( c ) ( 4 ) that has caused damages, including a consistently deficient escrow account and increased fees due to collection fees, late fees, and interest. 

It is important to note that XXXX makes it difficult for borrowers to address these issues by ending its customer service email account and directing borrowers to fax in documents for their accounts. Furthermore, XXXX fails to respond to any requests to provide documentation of its alleged determinations that this fee should not be paid out of the escrow account. This is my last attempt to address this matter before I have to legal action against XXXX for negligent servicing.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

I have been a loyal XXXX XXXX Synchrony Bank ) customer for XXXX years, consistently making on-time credit card payments during this period. However, XXXX days ago, I was taken aback when XXXX XXXX unexpectedly reduced my credit limit from {$500.00} to {$300.00} without sending me a required XXXX adverse action notice, as mandated by the Consumer Financial Protection Bureau XXXX CFPB ). 

In my attempts to address this matter, I have conversed with XXXX XXXX representatives, namely XXXX XXXX and XXXX XXXX. Both of them have conveyed that they have extensive experience, each having worked at the company for over a decade, and both have stated that XXXX does not traditionally inform consumers of such changes through notices. In fact, they affirmed that they have never encountered a situation where XXXX sent out an adverse action notice to customers. 

I respectfully asked whether they could provide any evidence of such a notice being sent, and both confirmed they could not. This situation raises concerns as, according to the guidelines set forth by the CFPB, the Fair Credit Reporting Act ( FCRA ), and the Equal Credit Opportunity Act ( ECOA ), creditors are obligated to furnish consumers with a XXXX adverse action notice explaining the reasons for any credit limit reduction before implementing such changes. 

I am left with no choice but to request documented proof of this notice, as its absence XXXX lead me to contact my attorney, XXXX XXXX, to pursue penalties and damages resulting from the adverse impact on my credit report and personal reputation. Please consider this communication as a formal warning. A third letter, authored by XXXX XXXX, XXXX follow if this issue remains unresolved. 

I sincerely hope that we can reach a reasonable resolution to this matter and look forward to your prompt response. Thank you for your attention.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (AL)

I borrowed {$1200.00} from XXXX XXXX in XXXX, Alabama in either XXXX or XXXX of XXXX. I pay {$250.00} a month on this loan. I have been paying it for a whole year now- never missed a payment and somehow they say I still owe {$920.00}. Interest on this loan is killing me. I have repaid the loan two times over now and by their record Ive only paid {$300.00}. There are no paper records available online because XXXX XXXX sold out and is now XXXX XXXXXXXX. Please help me. They are adding fees and interest to keep me in this loan. This is predatory and should be illegal.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Your letter addresses the issue clearly, but I can suggest a few edits for a more concise and formal tone. Here 's a revised version : Subject : Urgent Request for Investigation and Correction of Disputed Accounts Dear [ Recipient 's Name ], I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

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 XXXX XXXX XXXX. 

LVNV Funding account ending XXXX LVNV Funding account ending XXXX XXXX has 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2023 I went to XXXX XXXX Bank, XXXX XXXX XXXX, XXXX MI. 
The drive thru ATM was out of service. I parked and went into the lobby and there was an ATM machine thru another set of double doors- but it was locked. I drove around the bank but wasn't able to find how to get into the other doors. We are new to the area so I don't know my way around XXXX very well. On XX/XX/2023 I went into the bank to make a deposit. I was telling the lady that was waiting on me what had happened on XX/XX/XXXX and that I had to pay XXXX dollars in fees at XXXX because we were going out of town and I needed the cash. Some woman came up behind the teller and interrupted our conversation and started telling me where the door was to get to the inside ATM - she told me to get my purse and follow her!! I was so surprised I just did what she said ( I am assuming she was the manager but she didn't introduce herself ) The teller said to her ( the manager? ) as she was taking me across the bank to the doors - that our transaction wasn't complete and I still had money coming back. so she showed me where it was ( the indoor ATM ) and told me what street I needed to be on to get to that door. I thanked her and went back to finish the transaction with the teller. The manager? went around and looked at the teller 's screen and told the teller if I would switch my checking account to a PERK account they would reverse the XXXX dollars. At that point I just wanted to leave and the teller asked if I wanted to switch my account. I said no I do not wish to change my checking account - good bye! While i was driving home I thought I have been with Huntington bank since the bought out my previous bank- I have XXXX accounts with over {$100000.00} The account that the fees are on is a checking account ending in XXXX. ( We recently moved to this area so I do not have the full account number ) why would that manager treat me likeI was XXXX and drag me around the bank and interrupt my transaction- she was so unprofessional- and she should have reversed the XXXX dollars because I am a good and loyal customer. thank you XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX MI. XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXXXXXX XXXX XXXXXXXX XXXX distrustful on _ XX/XX/year> is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile certifiably obedient as it is currently reported. Please DELETE from XXXX XXXX of XXXX reporting forthwith! 

XXXX XXXXXXXX XXXX Closed NEGATIVE Other/Unknown Accounts DEROGATORY LATES-related accounts Balance on this account is inaccurate please remove and investigate do not stall letter me XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asked XXXX to investigate this account and they sent me stall letter please remove it and stop violating my rights XXXX XXXXXXXX XXXX XXXX XXXX Refused to investigate account told me it was verified but did not provide verification upon request in a timely manner XXXX XXXXXXXX XXXX XXXX XXXX Refused to investigate keeps sending stall letters violating rights XXXX XXXX XXXX XXXX XXXX Incorrect information no investigation and sent stall letters.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NM)

Aldous and Associates contacted me about a gym membership account that was not owned by me. Someone stole my basic information ( name, birthday, email ) and opened an account under my name. They used an address that was not mine, and a credit card that was not mine and had their name on it. The signature on the gym membership agreement is also clearly forged. I contacted XXXX XXXX XXXX, but they had already sold the contract to Aldous and Associates. I have tried numerous times to contact Aldous and Associates and they have not answered or returned calls.
Consumer complaint received 2023-08-15
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-01
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. (KY)

XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX  XXXX XXXX.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (NV)

My loan got sold XX/XX/2023 to RoundPoint Mortgage. Loan # XXXX. 
I received a letter XX/XX/2023 that I have a shortage on escrow amount of {$110.00}. I submitted the payment of {$110.00} on XX/XX/2023 confirmation number XXXX. 
RoundPoint Mortgage increased my monthly payment anyway, even though the shortage for escrow was paid. I have contacted Roundpoint by email and phone requesting the insurance to be removed from the escrow account and inquiring why my payment increased on the following dates : XX/XX/2023 email and phone. XX/XX/2023 phone. XX/XX/2023 email and phone. XX/XX/2023 email and phone. XX/XX/2023 email. XX/XX/2023 email. I receive an automatic email stating Acknowledgement but that's where the communication will end. Representative on the phone will tell me that the information has been noted and I will receive an email when the account will be updated. I is very unfortunate that this company has also a very bad reputation on the web with exactly the same information as described above. 
I have proof of the correspondence if needed. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-10
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: CBC Companies, Inc. (GA)

I have reviewed my credit report and found that the inquiry on XXXX XXXX was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I sent a opportunity to cure, demand letter to COLLECTION BUREAU OF THE HUDSON VALLEY , INC and the Company responded on XX/XX/XXXX  " CBHV has not violated the FDCPA. We have documented your account as a cease and desist, you will receive no further contact from us regarding this account. '' the complaint number is XXXX that was Submitted to the CFPB on XX/XX/ it is in fact that you have violated the FDCPA and failure to provide remedy in accordance to FDCPA and FCRA may result in a lawsuit against you please cease all communication through all mediums including my consumer reports and send me documentation stating you would do so thanks, so are also held liable up to XXXX per violation of the FDCPA and monetary remedy for FCRA i willy to settle this matter for XXXX or i would be forced to file a lawsuit thanks for understand
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified. 
I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX