davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

On XXXX XXXX, 2016 a payment was mailed to LoanCare for my XXXX 2016 mortgage as well as a payment to the principal. This was clearly outlined on the payment form, which accompanied my check. The total amount ( principal and mortgage ) was deducted from my checking account on XXXX XXXX, 2016 however, LoanCare did not do apply any funds to my XXXX 2016 mortgage, instead all funds were applied to the principal. ON XXXX XXXX, 2016 I called customer service to have them correct this error but was told by Agent XXXX that I can not make payments in advance. After pointing out to her that nowhere in LoanCare 's notification communication or website nor in my mortgage agreement did it state that I would be penalized for early/advanced payments she placed me on hold to inquire with a Supervisor. She returned to the call to inform me that I can in fact make advance mortgage payments and as such she will submit a request for reversal for the amount to be applied to my mortgage. She stated that this request was to be completed by XXXX XXXX, 2016 and my online account would be updated to reflect this change. 

On XXXX XXXX, 2016 I checked my online statement and noticed that the reversal was not made. I called LoanCare, again, to inquire what was the status of the process. I was notified by Agent XXXX that the request would take " a few more days '' and there is nothing she can do at this point. I requested to speak with a Supervisor at which time she stated that no Supervisor was available and as such one would contact me by close of business on XXXX XXXX, 2016. No supervisor has contacted me since then. 

On XXXX XXXX, 2016 I called Customer Service to verify that the issue was rectified again to be told that the amount was not applied. Speaking with Agent XXXX she noted that nowhere on my file was it noted that I called LoanCare on XXXX XXXX, 2016. I requested again to speak with a Supervisor at which time she transferred me to a XXXX XXXX -- the call went straight to voicemail. I left a detailed voicemail message regarding this issue.
Consumer complaint received 2023-10-29
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 have had a lengthy history of being violated and filing disputes with EQUIFAX. In many cases EQUIFAX sends responses stating the information is valid and verified, but never sends proper verification of those findings according to the law. I have recently mailed in another dispute dated XX/XX/2023 opting out of reporting in accordance to 15 USC 1681 section 604 sub section 2, states subject to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates. { XXXX, XXXX XXXX  and XXXX XXXX ) the financial institutions and the Consumer Credit Reporting agency EQUIFAX does not have my consent to furnish this information and EQUIFAX surely does not have my written consent. Any and all consent to EQUIFAX and the above listed financial institutions whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 
15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX, XXXX XXXX  or XXXX XXXX ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. The accounts listed in this dispute are accounts they are reporting, again, without my permission or written consent which is against the law. 15 USC 1681s2 ( A ) ( 1 ) A, states 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. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. EQUIFAX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of EQUIFAX reporting services related to the specific accounts listed on this dispute as of XX/XX/2023. If EQUIFAX can not provide a written consent form signed with my wet ink signature from the financial institutions listed in this dispute and a consent between myself and EQUIFAX the accounts MUST be permanently deleted. EQUIFAX is in violation of these laws and I am requesting to be compensated for the problems the unauthorized negative reporting has caused me in my financial journey.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (CA)

My mortgage company has been charging me {$580.00} a year for hazard insurance. The property is already fully insured by my HOA. it is a condominium. I only own the space between the walls. They bought insurance to pay for the restructure of walls and property that are already fully insured and do n't belong to me. I just discovered they were doing this for XXXX years because they were hiding the charge by debiting my loan. It was not done through escrow or was i ever notified nor given a copy of the policy. They hid the charge by calling it an escrow disbursement. but no escrow disbursement occurred, it was a debit to the loan. I was aware I had a separate {$550.00} escrow disbursement each year. They led me to believe that this was the same transaction. This is fraud. I finally discovered what was occurring after they finally titled the loan debit a " XXXX '' payment this year which alerted me to the charge. My hazard insurance is through the HOA. the property is fully insured as required by the terms of the loan. My mortgage company surreptitiously and fraudulently bought additional coverage to benefit financially from the commission from the insurance company and put an additional debit to my loan to charge me interest on the insurance cost. It should have been an escrow charge
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: URS Holding, LLC (TX)

Recently, My vehicle was repossessed by XXXX XXXX. Unfortunately due to my wife 's health issue, I was not able to make the payments. It was around XX/XX/XXXX that I began to receive calls from All-tran Financial of which they described that there was a deficiency balance of $ XXXX+. After speaking to XXXX, and after she had called my references, and had also left me several voice mails ; I told her that I could not make the payments, and that I would need for her to send me any and all invoices to my home address, and to please NOT call me anymore. I explained that due to my wife 's health I could not make any payments, and could not afford to make any type of agreement. After being put on hold for several minutes, I was transferred to a supervisor by the name of XXXX. Once XXXX XXXX got on the line with me he became very irate, raise his voice, and demanded that I give him personal reasons as to why I could not make any payments. I explained that I could not disclose any more personal information and that I had already shared the information with the previous representative. After going back and forth with him ; he refused to accept my explanation, and kept on antagonizing the conversation. Not having the time to speak to XXXX XXXX much more, nor being able to explain further ; I told XXXX XXXX that I could not speak to him and that I would disconnect. I am reporting this incident as I feel that I have been harassed ( as described in section XXXX of the online version of the rules for being harassed with collection calls ). 

I am formally requesting to have an investigation opened as I feel that Alltran Financial is not conducting professional collection practices. 
Thank you.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION ()

I was trying to get a mortgage loan through Fifth Third Bank with XXXX XXXX. I asked to get a loan estimate, and hesaid he could not issue the loan estimate until he received my application, other documents he sent me, and submitted the application to processing. Once those were submitted, he could mail me a loan estimate within 6 days. Per TRID, he is required to send me an loan estimate within 3 days of receiving my name, income, SSN, property address, estimated property value ( SEV ), and the loan amount sought.
Consumer complaint received 2022-05-23
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. (FL)

I sent my 2nd letters off to XXXX, XXXX, Experian on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, XXXX # XXXX, Experian # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information.

Attached is the letters I sent out in " Good Faith ''.

Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2017-01-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (FL)

Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX
Consumer complaint received 2022-05-23
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. (AL)

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX. 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (DE)

I have this item on my credit report reporting from Equifax through XXXX XXXX via XXXX. I have no knowledge of this collection item I donot and have not had an account with XXXX in the past. I requested proof that this account belonged to me on XXXX different occasions and none of Equifax 's response including how they determined the debt belonged to me. Their response is always the same Verified but never how they verified the debt.i asked them to verify that this item actually belonged to me along with how they determined that and that completely ignore my request. I am asking that they remove this item from my report as they have not provided me with proof of an investigation. That 's complaint number 1. Complaint number 2 is they have a address reporting on my credit report that never belonged to me upon their XXXX different investigations they said they were going to delete it but they never did. Complaint number 3 I previously had. A case open with the you ( cfpb ) case number XXXX the results needs with XXXX agreeing to delete the account from my credit report since then it 's been deleted from transunion and experian but Equifax refuses to delete. Even after sending them a copy of the letter it still comes back as verified. Equifax is causing me to have significant problems with obtaining new credit because of the innacuracies that they are reporting. I want them to delete these XXXX disputes from, XXXX XXXX XXXX, XXXX XXXX and the innacurate address listed as XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OR)

Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. 
Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? 

Thank you.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

I sent a Notice of Error under 12 CFR 1024.35 and Notice of Complaint under Connecticut General Statutes 36a-719h to Specialized Loan Servicing, LLC,  NMLS # XXXX, XXXX. XXXX XXXX, XXXX, CO XXXX. I received a acknowledgement of receipt from them dated XX/XX/XXXX, which advised that my letter was under review and that a response would be issued within the applicable state/federal timeframes. To date, well over 30 days later, the servicer has failed to respond. Below is a copy of my letter : XX/XX/XXXX TO : Specialized Loan Servicing, LLC NMLS # XXXX XXXX. XXXX  XXXX XXXX, CO XXXX FROM : [ redacted ] Re : Notice of Error under 12 C.F.R. 1024.35 Notice of Complaint under Connecticut General Statutes 36a-719h Mortgage Loan Number / Account Number : [ redacted ] I am writing to provide you with written notice of the error described below in regard to the mortgage on my property at [ redacted ], and to request correction of the same. 

At some point on or after XX/XX/XXXX, your company incorrectly imposed a {$910.00} fee on my account, failed to notify me of the fee and the reason therefore, and the first I received any evidence of this fee was when you recently added it to my mortgage statement showing it as past due ( i.e. see Past Due Amounts - {$910.00} - statement dated XX/XX/XXXX ). I have repeatedly attempted to resolve this error over the phone with your representatives, who have confirmed that this is an improper charge. On XX/XX/XXXX, my daughter, authorized to speak on my behalf, was told that although this fee may be improper, there was nothing your company could do. This is completely unacceptable. I am additionally concerned that your company may have reported my account past due to the credit bureaus as a result of this error, which will need to be corrected. This fee is not a bona fide fee and there is no reasonable basis for its charge. I am also concerned that this may have been done to other Connecticut consumers in the transition from XXXX XXXX XXXX XXXX ( NMLS # XXXX ) to Specialized Loan Servicing, LLC. If this matter is not appropriately resolved, I will be filing the appropriate consumer complaints with the CFPB and Connecticut Department of Banking. 

In addition to providing written notification of error, I hereby additionally request copies of any and all documentation relating to this fee, including the original notice informing me of such fee, and a full accounting of my account on and after the date the fee was originally imposed. 

Please also consider your duties under Section 36a-719h of the Connecticut General Statutes in connection with your Connecticut Mortgage Servicing and Mortgage Lending licenses, with particular emphasis on subsection ( a ), subdivisions ( 1 ), ( 2 ) and ( 8 ). 

If you need to contact me, I can be reached at [ redacted ]. However, I would prefer that any communication regarding this matter be made in writing from this point forward. 

Sincerely, [ redacted ]
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX : Invalid Date of last activity XXXX shows XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number XXXX is showing XXXX and Experian is showing XXXX Also, the date last active is invalid. XXXX shows XX/XX/XXXX while Experian shows XX/XX/XXXX. DELETE this account.
Consumer complaint received 2022-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-23
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. (CA)

I have tried several times to fix my credit with the credit bureaus, I have sent letters specifying the accounts that are being reported erroneously and I have even pointed out errors. 

How is it possible that the credit bureaus are reporting the same account but with different dates and different reports, they are supposed to report correctly, I have the right to a fair credit according to the FCRA, this violates my rights as a consumer
Consumer complaint received 2022-05-23
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: SCA Collections, Inc. (SC)

Account # XXXX. Company name : SCA collections inc. Under us 15 1681.

has violated the XXXX  law. 
In accordance with the fair credit reporting act. 
The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) X1 ) 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 2022-05-23
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. (UT)

For over 18 months I have been demanding that Equifax validate and correct or permanently delete this account from the consumer profile concerning me because it contains incorrect information. I do not believe that Equifax has actually done an investigation on this account. Information is missing and is clearly incorrect when you look at the information side by side with the way it is reporting at other credit reporting agencies. Equifax can not make a judgment call by themselves that information is verified and validated without speaking with an actual human being at the alleged creditor 's business. 

I've notified Equifax of the BILLING ERROR for the XXXX XXXX XXXX  account appearing in credit reports and the credit profile concerning me. I have never been late as XXXX clearly states " XXXX '' to confirm this in their reporting of the information. See attached.