davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (CA)

I received a bill for an underpayment in my escrow due to under estimates in my county taxes on my home. The balance of underpayment is XXXX of my 2023 taxes and after paying that in a lump sum my mortgage will still be increasing by over XXXX dollars a month. I've reached out to my lender and they have given me no help, only told me to go to the county. I went to county accessor and they told me it's most likely my escrow company completely failed to do their job in properly estimating my property tax. I've communicated this to my lending company and they still refuse to work with me at all. I will be reaching out to the escrow company but spoke to someone else who had the same experience with the same escrow company and was told they just hung up on him when he reached out. 
I will be going directly to the escrow office Monday and writing a formal complaint to the corporations commissioner if they refuse to speak with me. 

I need any and all the help I can get. 
My lender is Bank of Texas and the Escrow Company is XXXX XXXX out of XXXX XXXX, CA
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (NY)

On XX/XX/2023 I received notification from all XXXX XXXX Credit Bureaus of a new collection account added to my XXXX Credit Report. I immediately contacted the debt collector that reported this collection account, Vance & Huffman XXXX XXXX XXXX, XXXX XXXX on XX/XX/2023 and requested to speak with a Supervisor as I was not making any progress speaking with a Customer Service Rep. I was subsequently connected to XXXX XXXX XXXX. I advised XXXX, that I never received any documentation pertaining to this collection account prior to Vance & Huffman reporting this debt to XXXX. I informed XXXX that my rights according to the provisions of the FCRA were violated. I asked XXXX where did the Notice of XXXX letter go which was to provide me 30 days to respond, pay or dispute. I asked XXXX for the copy of the collection notice to be sent to my email proving they did not violate my rights. I asked for the ORIGINAL COPY of the collection letter, to show where in fact this letter was mailed, and more importantly WHEN they mailed the letter which should show a date prior to the date they reported the collection account to XXXX CREDIT BUREAU. When I received the Notice of Collection letter, not only was the letter mailed to an address not associated with me ; the mailing date of the letter was AFTER THE DATE OF THE REPORTING OF THE COLLECTION ITEM TO MY XXXX CREDIT FILE. As stated previously, Vance & Huffman reported the collection account to my XXXX Credit file on XX/XX/2023 however the Notice of Collection letter was XX/XX/2023. 

When I called XXXX XXXX back, I requested they remove the collection account immediately from my XXXX Credit Report - to which they DID NOT. I have disputed this account a total of XXXX XXXX ; and they continually verify this information as true and correct in violation of my rights. 

Vance & Huffman violated the rules and regulations set forth by the FCRA and NEVER NOTIFIED ME prior to reporting this collection account to XXXX. 

Please instruct Vance & Huffman to remove this collection account from my XXXX XXXX file immediately.
Consumer complaint received 2023-03-11
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. (PA)

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 XXXX XXXX XXXX XXXX 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 1 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 1 5 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 2023-03-11
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. (SC)

I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Hard inquires XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 an account without my written instructions.

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.
Consumer complaint received 2023-03-11
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. (SC)

I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

Hard inquires XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (AZ)

Today on XX/XX/XXXX I received a letter from United Collections Bureau , INC. Address XXXX XXXX XXXX, XXXX, OH XXXX. 
Account number : XXXX Reference number XXXX Contact number : XXXX They are stating I was unsuccessful in making a payment with XXXX XXXX XXXX. This debt was currently being debated with the hospital due to improper care and error made during a procedure that caused me physical harm. My patient advocate is XXXX XXXX. 

This creditor has taken a debt that the balance of the debt was only XXXX dollars and now has sent me a collection notice for XXXX. This is against the law according to Proposition 209, the predatory debt collection protection act.
Consumer complaint received 2023-03-11
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. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax, XXXX, XXXX is govern by 15 USC 1681. And they violated my rights numerous of ti

mes. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. XXXX XXXX.
Consumer complaint received 2023-03-22
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, this creditor has violated my rights under15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-11
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. (NJ)

I was on XXXX XXXX and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : XXXX XXXX XXXX. 
Reported : yes, to most credit bureaus and lender with no fair resolution.
Consumer complaint received 2023-08-12
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: Affirm Holdings, Inc (DC)

These Affirm loans are Fraudulent. 
Apparently, someone has gotten hold of my personal information and gotten loans in my name. 
On XX/XX/XXXX, I ordered you to CEASE and DESIST reporting to my XXXX Credit Report. You reported again this month. You have broken the law! This is violating my consumer rights & punishable by fines. 
I am ordering you a SECOND CEASE and DESIST, effective IMMEDIATELY! Do NOT REPORT ANYTHING TO MY CREDIT REPORTS EVER AGAIN. 
I also attached a letter from the US Marshall Service for Cyber Security, PROVING that on XX/XX/, my personal information was identified and found to be compromised. My email address was also found on the dark web. This was before you reported this alleged debt. I also had a fraud alert placed on all my credit reports, before you reported this alleged debt. 
I filed an XXXX Dispute and a Dispute with CFPB. I asked, but You provided Zero dated and signed documentation of a loan application nor a dated and signed loan origination form nor the ORIGINAL PURCHASE AGREEMENT, with ALL terms and conditions, PROVING I OWN this alleged debt.Therefore you have ZERO proof that I own this alleged debt. 
You have NEVER provided ANY document with my WET SIGNATURE ON IT. A TYPED LETTER FROM YOUR COMPANY IS NOT Debt Validation NOR is it A LEGALLY, BINDING Loan Agreement, Nor is it an ORIGINAL PURCHASE AGREEMENT. 
I am ordering you to remove ALL accounts from my credit report, IMMEDIATELY & PERMANENTLY. I will not pay these debts. Your cooperation is bound by law and greatly appreciated. This is my FINAL attempt to resolve these fraudulent accounts with you, before taking legal action.
Consumer complaint received 2019-05-03
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. (FL)

i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (TX)

error XXXX failed to report the right usage when I applied for a loan so of course that made my score off XXXX is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit corrected
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

in XX/XX/XXXX I was contacted numerous times about payments on the account, and was told that I was put on a forbearance for 3-6 months, was asked to send in paperwork, however my credit report was affected negatively. no-one can offer explanation.

in XX/XX/XXXX I have been making payments and still my credit report is negatively affected, interest keeps going up, and ballance shows to steadily increase. I have tried several times to call and speak about this but no-one can offer a reasonable explanation.
Consumer complaint received 2023-03-11
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. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (CO)

I am filing a complaint against XXXX. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by 7 points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. XXXX is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.
Consumer complaint received 2023-03-11
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. (MD)

I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

The Chase ink business card belongs to XXXXXXXX XXXX XXXX XXXX XXXX. Yes i am XXXX XXXX XXXX XXXX XXXX XXXX  XXXX our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (CA)

In accordance with a fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under FCRA 605B US code 15 1681c-2. 
XXXX XXXX XXXX Account numberXXXX has violated my rights. 
I looked at my Experian credit report XX/XX/year> and notic d some things that are incorrect. 
According to the Fair Credit Reporting act 605 b US Code 15 1681 c-2 states that charge offs are considered as income by the IRS and is not allowed on a consumers credit report. No transactions or experiences are allowed on a consumers credit report hence this charge off os violating my rights. 
According to US code 15 1681A after any reinvestigation of information disputed by a consumer an item of the information is found to be inaccurate or incorrect or can I be verified The consumer Reporting agency show promptly delete that item of information from the file of the consumer.

According to 15 US code 1681 s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency
Consumer complaint received 2023-03-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NC)

The Mountain America Credit Union staff promoted a false rate of interest for a XXXX CD at the same time the rate was to expire. 
XXXX staff members XXXX XXXX and XXXX XXXX? ) knew their promo rate would expire when I communicated with them via telephone and email. Now, they will not reply to my emails. Their online service, via my account, is usually inaccessible after attempting to contact them many times with XXXX different web browsers ( I have had no other accessibility issues on other websites ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I hope this message finds you well. I am writing to formally address a violation of my privacy rights. I did not authorize the inclusion of this information on my credit report, and its presence constitutes a clear breach. This not only damages my reputation but also affects my creditworthiness, as it has resulted in the denial of new credit applications.

The negative impact on my credit score is unacceptable, and I hold your organization responsible for this negligence.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

I want answers asap on these negative accounts. You have had ample time to investigate these accounts and provide me with a response and you have failed to do this. 

I want these negative items deleted. 

Documents are attached.
Consumer complaint received 2024-10-15
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (CA)

My DirectExpress card was within my wallet when it was stolen. The thief managed to access my account and withdraw {$4800.00} and make miscellaneous purchases. I never wrote my PIN down or disclosed it to anyone. Local law enforcement suceeded in identifying the thief arrest him and prosecution is ongoing. Thief has FTA 'd for court and absconded. A no-bail warrant has issued. Restitution is highly unlikely as he is transient career criminal. Attached documents will reveal that I have complied explicitly with restitution procedures but Comerica has failed and refused to provide restitution to my account, respond to my correspondence, or timely follow pertinent rules. Presently, it has been more than two weeks since I requested copies of that which they have relied on in reaching their denial if my claim. Their reps blame the USPS for chronic delays. In the only reply they have provided, they assert the preposterous notion that the numerous thefts from my account were somehow " authorized ' transactions -- not criminal acts. XXXX XXXX of XXXX of what is designated " XXXX  XXXX '' make up the " Questionairre of Fraud '' form I submitted. XXXX XXXX XXXX are copies of supplemental documents that followed. Other attachments contain self explanatory records and correspondence.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (VA)

XX/XX/year> I got a letter stating that's a closed case claiming they needed more information. They also reversed 2 on time payments in XX/XX/year> and XX/XX/year>. XX/XX/year> a Rushmore Servicing representative demanded {$1200.00} annual escrow payment over the phone or else I'd be in foreclosure. I can not feel comfortable sending money to them. It seems it's being misapplied.