davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CO)

I sold my home on XX/XX/scrub> 2024. The buyers assumed my home mortgage loan from Flagstar Bank on this date. The title company and my realtor stated that I would receive a check in the mail 4-6 weeks after the closing date for an XXXX XXXX. That time has passed and I opened a case with the mortgage company on XX/XX/XXXX to see when my check would arrive. 

Flagstar Bank admitted to sending the check to the property that was sold on XX/XX/XXXX, instead of my new residence. They stated my new address was not on the paper work to send the check to, which is incorrect. They have my new address and I know this because I received the loan assumption and release of liability notice/document nearly two weeks after the sale closed. 

Flagstar opened a case to investigate this matter and they told me the issue would be resolved with a new check sent out to no later than XX/XX/year>2024. 

On XX/XX/scrub> 2024, I received an email from Flagstar Bank regarding my case and that it had been closed. The email did not contain the resolution, so I called them to find out. The representative that I spoke with stated my check was being sent to my new address that day and I should receive it in 3-5 business days. That time goes by and I call them again on XX/XX/year>2024 and asked where my check was. They stated that I should expect it in the mail no later than Friday XX/XX/year>, due to the bank holiday that prior Monday. 

That time and went again, so I called Flagstar and they told me that the check was sent to the sold property on XX/XX/year>2024 and it was cashed by the buyers of the property. Flagstar stated that the check was sent in the buyer 's name and not mine to the property address. The buyer called Flagstar and opened a case on XX/XX/year>2024 and asked what the check was for. A Flagstar representative told them it was a surplus check and they could cash it. 

On my end, no notice was sent to me regarding this cashing of the check. Flagstar willingly told the buyer that they could have this escrow refund. Then two different representatives of Flagstar told me I would receive my check in the mail ( NOTE : they do not send checks with a tracking number either ).

I spoke with a new Flagstar representative and their customer service management on XX/XX/year>2024 who stated that they need to check with the assumptions department to find out what happened and see how I can get my escrow refund. They did not give me a timeline as to when OR if this issue will be resolved. 

In summary, Flagstar Bank sent my Escrow Refund check to the buyer of my previous home, in their name. That buyer cashed that check with Flagstar 's approval. Flagstar told me twice that I would receive a new check at my new address and in my name. Flagstar then told me the new check was never sent, as the first was cashed by the buyer of the home.
Consumer complaint received 2024-10-19
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: Synovus Bank (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-08
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  accounts 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 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OK)

On XX/XX/year>, I signed up for what I believed to be a free account with XXXX through their XXXX plugin, which was promoted as offering basic features at no cost. As part of the signup process, I was required to enter my credit card information. The request for a credit card was described as a verification measure to prevent spam, not as part of any paid trial or auto-upgrade plan. There was no clear disclosure that I was agreeing to future charges or upgrades. 

On XX/XX/year>, XXXX charged my credit card {$290.00} without any prior notice or confirmation. I did not notice the charge until XX/XX/year> when I reviewed my Discover account. This charge was unexpected, as I believed I had signed up only for a free account, not a trial or paid service. I was never informed during the signup process about any XXXX trial or auto-upgrade plan. This unexpected charge has caused significant financial hardship. 

I disputed the charge with Discover, submitting screenshots that reflected the sign-up process I encountered, showing that XXXX advertised their service as free. However, Discover ruled in XXXX favor, stating that I signed up for a trial plan and failed to cancel within the required timeframe. This does not align with my experience, and I also discovered discrepancies in the evidence provided by XXXX. 

XXXX claims that I purchased on XX/XX/year>, with a charge applied on XX/XX/XXXX. However, I have documentation showing that I initially signed up on XX/XX/year>, and the charge was processed on XXXX XXXX XXXX days after signup, without any notice or consent. 
The terms XXXX submitted as part of Discovers investigation appear different from what I initially saw during my signup process. Specifically, I was not notified about any auto-upgrade plan or XXXX trial, and the signup page XXXX now shows differs from what I encountered during my signup on XX/XX/XXXX. 
Despite these discrepancies in dates and terms, Discover dismissed my case and sided with the merchant without allowing me to provide further context or evidence.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/year>, under the FCRA, section XXXX, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : This item, Bridgecrest XXXX XXXX XXXX, with a balance of {$9900.00}, should be removed from my credit report, immediately. listed on my credit report. I requested they provide contracts and/or a lease with my signature. Only XXXX and XXXX stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. XXXX removed it from my credit report file. 

On XX/XX/year>, I certified postal mailed XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. They did not respond. 

On XX/XX/year>, under law under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I certified postal mailed XXXX, and XXXX, stating that Bridgecrest XXXX XXXX Time, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am contacting you to request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of identity theft associated with a recent data breach, and these unauthorized items were added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent entries be permanently blocked and deleted from my credit file. 
XXXX Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (GA)

XXXX they lying and taking money out of my account and illegal lied why they closed my checking account with XXXX in it and did a wire transfer I never received and had my account disabled and lied and only showing my savings account. They lying they never called and ask me to respond and it was over XXXX XXXX dollars in my account and never received both mailed bank cards
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (MO)

Date of the date was XX/XX/year>XXXX  and the amount of the debt was {$4500.00} and the original debtor was XXXX XXXX XXXX XXXX  and the debt was sold to Procollect INC. The information was put on my credit report, and I did not sign for and have no knowledge of it.
Consumer complaint received 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (PA)

We live in PA and it is common in our municipality to appeal the value of the house. We won our appeal for the XXXX tax year ( and future tax years ) and received a reduction in over {$100000.00} to our homes appraised value. This resulted in over {$5000.00} reduction in our property taxes for the year. We received the decision in early XXXX and I immediately reached out to Planet Home Lending to discuss the next steps. A research case was opened and their research dept contacted the XXXX XXXXounty tax authority, as well as XXXX XXXX XXXX ( company that handles the taxes for the local municipality and school tax ) and confirmed the appraised value and current millage rate. They confirmed the new tax bills based on the appraised value and as a result, did an escrow analysis and refunded us over {$2000.00} ( in addition to the county refunding us for overpayment in the spring ), as well as reducing our monthly mortgage payment by {$250.00}. The analysis had to be redone a week later because only 2 of the 3 tax values had been updated with the first analysis. I opened yet another research case and we received yet another refund and a further reduction to our mortgage payment due to their mistake. The largest tax bill was sent out on XX/XX/XXXX ( after both research cases were closed by planet home lending ) PHL confirmed to me verbally and in writing that they confirmed the new tax amounts, somehow they still overpayed the tax bill by {$4000.00}. I noticed this error immediately and opened a THIRD research case with PHL. I was assured during this call, after speaking with a supervisor again, that NO escrow analysis would be done as there were just 2 done in XXXX and my payment would remain the same. To this date, I have yet to receive me refund of {$4000.00} in overpaid taxes from XXXXhe county and, unbelievably, Planet Home Lending did what they promised not to and ran an escrow analysis this month. This analysis cause my mortgage payment to increase by over {$500.00}. I opened a FOURTH research case and this is not resolved. This is unacceptable and PHL has proven to be grossly negligent, incompetent in this matter. They have also not received a XXXX tax bill but are basing the newest escrow analysis on the STILL INCORRECT, overstated XXXX tax amounts. This level of negligence from a financial institution seems criminal. I demand a resolution before my XXXX mortgage bill is due.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-22
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX FILE NUMBER RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : 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 XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX  XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX