davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (WA)

I have been trying, since XX/XX/2022, to have our current mortgage company, CrossCountry Mortgage, run an escrow analysis due to them overcharging our escrow account. We are in a new construction home, so our property taxes were estimated until the new XXXX XXXX XXXX  taxes were updated for this year. I contacted them again on XX/XX/2022 via email with our taxes for XXXX  and requested an escrow analysis- I was told this would be reviewed and completed. I contacted them again on XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on the escrow analysis- I was told it only takes 4 business days to complete, but up through today, XX/XX/2022, there has been no progress. They have overcharged us by thousands of dollars and seem unwilling to issue the refund we are due from their overcharging our account. 

Additionally, we have our homeowner 's insurance policy through XXXX. I contacted them today because I noticed that we are being charged through our personal checking account every month for this, even though it is being escrowed by CrossCountry Mortgage. The XXXX representative I spoke to today said that they have requested the payment from CrossCountry Mortgage, but were ignored, so they charged us directly.

CrossCountry Mortgage is not responsive to myself or my insurance company and this seems both unprofessional and negligent. We have made every payment that is due on time and our loan is in good standing.
Consumer complaint received 2017-09-12
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. (PA)

Equifax Inc improperly stored information possibly relevant to my credit history. As a result of a vulnerability in their systems, my information may have been improperly accessed and/or stolen. Furthermore, this breach was known since XXXX XXXX, but was not made public until XXXX. 

Any attempts to discern if my information was indeed obtained/accessed/ were not made clear, as the site they offered ( www.equifaxsecurity2017.com ) provided vague answers as to if I was affected. This site then requested that I check back at a later date to pay for a service to help address this problem. 

On XXXX XXXX, Equifax, as stated via XXXX ( XXXX XXXX XXXX ),  began offering free credit freezes, but only for the next 30 days. 
However, I 'll more than likely need to pay out-of-pocket with XXXX and XXXX to freeze my credit report in the event my information is used to open accounts with creditors that do not query my credit with Equifax.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (VA)

As XXXX of the XXXX Million affected by the Equifax data breach, I followed the announced protocol to inform and obtain the monitoring services that were offered. Instead, after beginning the enrollment process and being told that I would have to wait up to 2 days to receive my email since they were under such a backlog, the first email I received was a solicitation to purchase XXXX, XXXX and Equifax services that were an additional paid service. 

All this seems like, is another effort to jam the consumer with another annual paid service as opposed to actually fixing the problem. 

Your organization 's charge, as the supposed " watchdog '' for the consumer, requires the monitoring of these ineffective business processes. Since they can not be trusted with the awesome requirements of protecting our personal information they should not be allowed to do so. Even the IRS has left us exposed to the criminals in these cases and I, for XXXX, am fed up with paying for something that fails.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (AL)

I have bought a XXXX XXXX XXXX XXXX XXXX and an auto loan from Chase auto finance was given. I filed for chapter XXXX ( XXXX ) bankruptcy on XX/XX/XXXX and the car was repossessed by chase auto finance ON XX/XX/XXXX. Loan number XXXX vin number XXXX. Chase sold the car for MORE money than what I owed them. XXXX dollars more and they should have sent that money to me by check but they never did. Chase stole my money and kept it and never sent it to me. The car was sold for XXXX dollars and I only owed them XXXX dollars and after all expenses they had a surplus of XXXX dollars that should have been refunded to me but never did. I called them and they insist it was chapter XXXX but it is NOT. I filed for chapter XXXX. 
Chase auto finance repossessed the XXXX XXXX XXXX and sold it and kept the extras money to themselves and this is FRAUD I am attaching pictures of the loan number
Consumer complaint received 2022-03-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-21
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-11
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. (OR)

Equifax was struck by a cyberattack which potentially put my personal information at risk, making me susceptible to identity theft and other forms of fraud now, and for potentially the rest of my life. This is unacceptable. My information should not have been shared or taken without my consent, and I should not be held personally responsible for the the possible damaging ramifications of this breach.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

New Information Intent to Sue : Please be advised that as of XX/XX/2022 TransUnion has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and TransUnion has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. TransUnion has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, mental anguish and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should TransUnion choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against TransUnion in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX ACCOUNT XXXX
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and I noticed that I had late payments reporting from XXXX XXXX XXXX I've never had a late payment associated with that account I then proceeded to reach out to the credit reporting agencies that's reporting the inaccurate information to update the inaccurate information to paid on time but they haven't fixed the issue.
Consumer complaint received 2022-02-13
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-05
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: SYNCHRONY FINANCIAL (NH)

Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at XXXX different adresses in XXXX states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for Lowes credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and ex Girlfriend XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For XXXX yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you XXXX XXXX
Consumer complaint received 2024-08-26
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. (FL)

Account Name : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.
Consumer complaint received 2022-02-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust is saying I didnt make any mortgage payments on 2020. The only payments they provided that supposedly I made were only 2 pages of 2 payments. My payments were late but rent was paid. I have tried talking to the bank but they keep saying that I havent paid rent for the year 2020.
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NV)

On XX/XX/2021, XXXX XXXX XXXX, which held my monies in escrow prior to my closing on a home, wired the payoff amount to the Lending Club to pay my loan in full. At the time, the payoff amount was {$30000.00}. However, to this date, the account is still showing a balance of {$29000.00} and my bank account continues to be debited for the amount of the loan payment each month, which is {$720.00}. I have provided the wire confirmation information to the Lending Club and they have not rectified the situation as of yet. Instead, every time that I call the Lending Club, I am placed on hold and told that the back office has to investigate or told that a service request has been entered on my behalf. I have yet to hear from the back office and {$720.00} continues to be debited from my account on a monthly basis since XXXX, 2021. I have attached proof of the wire transfer below. Please assist me with getting this situation rectified and the monies that are in excess of the payoff amount, refunded to me in full. Thank you!
Consumer complaint received 2022-02-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-09-13
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)

On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.
Consumer complaint received 2017-09-11
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. (CO)

Equifax used my information improperly by failing to store it securely, willfully allowing an information hack that will affect me and millions of other credit users for the rest of our lives. They cut corners by saving information in plain text, compromising millions of involuntary customers who have no right to refuse service, increasing the company 's responsibility to protect its unwilling " customers. '' Furthermore, their response to their failure is unacceptable as they are offering ONE year of identity theft protection. This is a lifelong struggle caused by their negligence and they should be offering lifelong protection to all victims.
Consumer complaint received 2017-07-26
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: CL Holdings LLC (FL)

Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors
Consumer complaint received 2022-02-05
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: Experian Information Solutions Inc. (WA)

I sent Experian written instruction according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Experian is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Experian to carefully read my written instruction and grant me my rights under the FCRA.
Consumer complaint received 2022-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc. (NY)

Hauge Group / Hauge Associates is marking my credit report like a XXXX tree for medical bills that are 1 ) NOT MINE and 2 ) NOT MINE & 3 ) it is against hippa law to collect on medical debt with medical information on there, this is a HIPPA VIOLATION AND IT IS ILLEGAL - lastly its fraudulent as these bills are not mine remove them from my credit report immediately THERE ARE 18 REPORTS OF MEDICAL BILLS YOU R TO REMOVE THEM ALL this is illegal and i will involve news stations and attorny generals office i demand them removed.

THESE ITEMS ARE FRAUD THEY DO NOT BELONG ON MY CREDIT NOR ARE THEY MINE AND THEY VIOLATE HIPPA LAWS AS I CALLED ON THEM AND THEY TOLD ME THEY ARE MEDICAL BILLS AND THEY ARE NOT EVEN MINE TO BEGIN WITH I DEMAND THEM REMOVED WITHOUT DELAY AS THESE ARE NOT MINE YOU AHVE NO RIGHT TO USE MY SOCIAL SECURITY NUMBER AND I DONT EVEN KNOW WHO THIS HAUGE COMPANY IS NOR HAVE I EVER USED THEM.
Consumer complaint received 2017-07-25
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: Experian Information Solutions Inc. (GA)

Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

When I tried to access my online account there was a message that I had to call the credit union for assistance. When I called I was told that there was a permanent block on my account because of returned ACH transactions. I told them that there should have been only 2 ACH transactions that I authorized or imitated. One with XXXX XXXX which was returned due to account frozen and a transfer from my XXXXXXXX XXXX account to bring the account back into a positive. All other ACH transactions were done by the credit union without my authorization probably again to XXXXXXXX XXXX after they already knew that the account was frozen. Now I'm being penalized for repeated returned ACH that I XXXX not authorize nor was informed about. My funds in the account have been brought to a negative because of repeated attempts to perform an ACH with XXXX XXXX that was once returned for account freeze that has been on the account since XX/XX/2022.
Consumer complaint received 2022-02-13
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

A credit collection agency NCA in the amount of {XXXX} added a collection to my credit report that isnt mine. I called the credit collection agency to take care of it they said to file a police report which I have today XX/XX/22. I also called the credit card XXXX XXXX company with the information given by the agency and the credit card company has no record of the collection. I do have a current credit card with XXXX XXXX which is in good standings.