davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar Mortgage continually misappropriates my payments. They put the money wherever they feel like, and I have to call on a monthly basis to get it straightened out. I pay my taxes and insurance and have had no escrow since the establishment of the mortgage. In XXXX, they paid my insurer, out of an escrow account that did n't exist, XXXX 10 XXXX days after I paid the homeowners insurance in full. Then they made me responsible for getting their money back. I received a check from my insurer. I put the check, a letter describing what happened and what needs to be done, and a copy of their letter that detailed the situation. The money was full appropriated to my principal and they told me my escrow account, which does n't exist, was in arreers. I had to call to get this matter straightened out and they had XXXX XXXX XXXX payment misappropriated. If I would n't have checked on my mortgage, I would have been " late '' on payment because of this. Now, as I attempt to make another mortgage payment, They have increased my payment approximately {$64.00} to cover escrow costs. THERE IS NO ESCROW ACCOUNT, THERE NEVER WILL BE!. I now have to call them again and get my account straightened out. They are under several investigations, and have several pending lawsuits against them. I want my mortgage sold to a reputable mortgage company.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (NJ)

Inaccurate and Non-compliance information on my Consumer Report.

A certified letter was sent to FEB Destiny ( Exhibit A ). FEB Destiny, the creditor, signed for the letter on XX/XX/year>. The correspondence concerned FEB Destiny issuing me a 1099-C form in connection with an illegal charge-off, which was never provided to me. 

On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, a debt collector ( Exhibit B ). In this letter, I informed them that they were in violation of FDCPA Section 1006.30 ( a ) ( the " no parking rule '' ) for reporting negative information on my consumer report without first notifying me On XX/XX/year>, another certified letter was sent to XXXX XXXX XXXX, referenced as " Exhibit C.-1 '' This letter served as my First Amendment dispute letter, as I had to resend it to include my identification and a redacted bank statement. It was also marked as Amendment # 1, as it contained a copy of my driver license and a redacted bank statement, " Exhibit C.-2 '' A certified/Notarized letter was sent to XXXX XXXX XXXX, XXXX XX/XX/year>, " Exhibit D '' as Amendment # XXXX, due to Incorrect account & account # A certified/Notarized letter was sent to XXXX Exhibit E '' was sent to XXXX XXXX XXXX  XXXX dated XX/XX/year> and was sign for on XX/XX/year>. This letter reference the duties of a CRA ( Consumer Reporting Agency ) starting with 1. 15 USC 1681e ( b ) Compliance and Procedures 2. 15 USC 1681s-2 ( 7 ), Negative information ( A ) Notice to consumer required 3. 15 USC 1681i ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy & reinvestigation required On XX/XX/year>, I received a letter package from Concora Credit Inc . This letter included an account package detailing the account 's history from its inception until it was closed. The package was dated XX/XX/year>, but received on XX/XX/year>, which constitutes a violation of 12 CFR 1006.34 ( c ). Exhibit F On XX/XX/year>, I sent a follow-up certified/Notarized dispute letter to Concora Credit Inc., addressed to `` Attention : Arbitration Demand '' at XXXX XXXX XXXX, XXXX, OR XXXX XXXX In this letter, labeled as Exhibit G, I requested arbitration and disputed the entire alleged debt under 12 CFR 1006.34 ( c ). Additionally, I detailed the violations committed by Concora Credit Inc., including a breach of New Jersey 's usury laws.

The laws that were violated : 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2 ( 7 ), 12 CFR 1006.34 ( c ), 15 USC 1692g , 15 USC 1681n ), 15 USC 1681o , 15 USC 1692k and Usuary law for New Jersey
Consumer complaint received 2022-08-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

Mortgage and security fraud. Since 2008 I have been in a legal fight with XXXX XXXX XXXXXXXX XXXX XXXX Select Portfolio services and XXXX XXXX XXXX. This 3 entity 's and other known and unknown have tripled the note of my paid off property and negotiated then with XXXX XXXX XXXX XXXX... number trust. It has been impossible to get authorities to review the case.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts and unauthorized inquiries linked to my profile. These are not affiliated with me, and I never authorized themXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX A XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, XXXX, and TransUnion multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with XXXX. XXXX is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with XXXX multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that XXXX updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-11
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: Island Finance Puerto Rico (PR)

The uploaded letter does not shows and download properly on my complaints submitted minutes ago : XXXX and XXXX to XXXX XXXX and Island Finance Puerto Rico XXXX 

Because this letter received from Island Finance attorney is the main proof I have right now, I have to be sure it is clearly seen and properly uploaded here at the C.F.P.B so I have no choice but submitting this new complaint to correct this.
Consumer complaint received 2022-08-11
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: Island Finance Puerto Rico (PR)

XXXX XXXX responded and XXXX. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY ISLAND FINANCE ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED XXXX XXXX FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR ISLAND FINANCE ATTORNEY XXXX XXXX XXXX, BUT XXXX XXXX DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO XXXX XXXX TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY ISLAND FINANCE, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR XXXX XXXX TO RECOGNIZE HERE IN THIS RESPONSE ISLAND FINANCE FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.
Consumer complaint received 2022-08-11
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. (PR)

Trans Union responded and C.F.P.B. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY XXXX XXXX ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED TRANS UNION FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR XXXX XXXX ATTORNEY XXXX XXXX XXXX, BUT TRANS UNION DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO TRANS UNION TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY XXXX XXXX, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR TRANS UNION TO RECOGNIZE HERE IN THIS RESPONSE XXXX XXXX FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.
Consumer complaint received 2018-12-19
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. (CA)

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (GA)

I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. XXXX  XXXX postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by XXXX XXXX XX/XX/XXXX TransUnion and XX/XX/XXXX XXXX. I had XXXX XX/XX/XXXX, removing XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX to allow swallowing better. XXXX XXXX XXXX and acute XXXX was found XX/XX/XXXX at XXXX XXXX and another on rt side located XX/XX/XXXX. XXXX XXXX XXXX XXXX urgent care ). XX/XX/XXXX I had urgent care XXXX  due to respiratory XXXX from XXXX. I'm on XXXX and have XXXX and XXXX. I applied for no credit for already existing accounts with XXXX XXXX, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXX. XXXX XXXXXXXX card is also Infrequently used. I have had to replace XXXX due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and TransUnion were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify XXXX to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.
Consumer complaint received 2022-08-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

NAME OF CURRENT CREDITOR : PORTFOLIO, ACCT NO : XXXX, PURCHASED ACCT XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ACCT NO : XXXX Portfolio Address : XXXX XXXX XXXX, XXXX VA XXXX Date XXXX XXXX To whom it may concern : I have sent to the Creditor Portfolio and XXXX several letters asking for validation of this account on XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am, XX/XX/XXXX first class electronic tracking delivered on XXXX XXXX pm, and XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am. 
Today is XX/XX/XXXX at XXXX almost 5 months later from when I first submitted, and I still haven't received a response back from Portfolio or XXXX XXXX I requested to be provided proof of the alleged debt specifically the contract, bearing my signature ( I am not requesting a statement for a statement is not considered as validation ) The FCRA says I should only have to wait 30 days for an investigation, and I feel 5 months is far beyond its statue of time. 
I feel that I shouldn't have to wait any longer to have my request granted. I am respectfully asking that this debt be removed from credit report asap especially since Portfolio purchased this account from XXXX XXXX XXXX  and I have given permission for my information to be sold to anyone Thank you and hope to hear from you soon
Consumer complaint received 2023-06-05
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}, XXXX XXXX XXXX Balance : {$22000.00}, DEPARTMENT OF INTERIOR XXXX Balance : {$19000.00}, DEPT OF COMMERCE XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PR)

On XX/XX/2022, I submitted a charge dispute for {$340.00} from XXXX XXXX while traveling on the XXXX XXXX XXXX. In addition, a fraud alert was reported of this incident and the Citibank issue another credit card. The dispute was closed, because there was not enough evidence. On XX/XX/2022, I reopen the dispute and stating the security concern about my credit card, because some stores do not require a secret pin or signature. The chip feature on the card allows merchandisers to use a card without the owners consent. That is what happen while in XXXX, where I gave my card to open a tab and then paid cash. After two days, I noticed that I have that unauthorized charge to my credit card. The credit card company suggest to contact the establishment, but I was only in XXXX for a few days and no phone number was available.
Consumer complaint received 2022-08-09
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. (PR)

N accordance whit the Fair Credit Reporting act XXXX Account # 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. XXXXXXXX XXXX, XXXX, CREDIT CARD, OPENING DATE XX/XX/XXXX AMOUNT XXXX DATE CLOSED XX/XX/XXXX. XXXX XXXX, XXXX, INSTALLMENT ACCOUNT, MONTHLY PAYMENT XXXX, OPENING DATE XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX OPENING DATE XX/XX/XXXX, DATE CLOSED XX/XX/XXXX XXXX XXXX, XXXX XXXX INSTALLED ACCOUNT, OPENING DATE, XX/XX/XXXX, DATE CLOSED XX/XX/XXXX. XXXX XXXX XXXX XXXX, INSTALLMENT SALES CONTRACT, OPENING DATE, XX/XX/XXXX, DATE CLOSE XX/XX/XXXX.
Consumer complaint received 2024-06-03
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. (MA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX solutions # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2022, I purchased a product with a visa credit card from the bank Banco Popular de Puerto Rico ( " BPPR '' ). I was offered a promotion that said that I could pay the purchased product in a term of 1 year without interests. I called BPPR prior to making the purchase to confirm that this offer was valid ; they confirmed. I purchased the product for {$3500.00} with the BPPR visa. 

On XXXX I made several payments totaling {$3300.00} to my credit card expecting them to be allocated to my general balance that was not subject to the offer. BPPR allocated the {$3300.00} to the {$3500.00} purchase that was made with the offer. Therefore, the remaining balance on my credit card began generating interests. 

Note that since I have this credit card with BPPR I have a firm and constant pattern of always paying my monthly balances full. It is important to me that my credit card does not generate interests. 

Since XXXX, I have filed 4 claims with BPPR and have not received adequate response. The call center personnel verbally informed me that the 4 claims were adjudicated in my favor and that the {$3300.00} were allocated to the offer. However, my statement account does not reflect this. The XXXX Statement Account provides that only {$800.00} from my balance are subject to the offer. The remaining balance is generating interest. I am currently filing a 5th claim with BPPR. 

This is unfair, burdensome, extremely time consuming and detrimental to my finances. BPPR has an obligation by law to allocate the payments to the highest interest generating balance and not only did it violate that responsibility, it has not acted to rectify this issue.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (PR)

Since XX/XX/2022 Binance.US is holding my digital currency assets ( currently valued over {$41000.00} ) without my consent and not allowing me to freely trade and transfer anything even though I have have complied with all of their requests for account verification and accurately provided all the required documentation. They have been making questionable excuses about their work being backed up and delaying but have still not resolved the problem and continue to hold my funds without my authorization after several weeks. I have sent several emails and had conversations with their application support chat team to follow up and they have still not allowed me full access to my assets. I need them to return all of my belongings immediately.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

after checking my credit report I notice all this on my credit report I never give no one permission to do this those are inquire I don't nothing about 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