davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint is threatening to force place insurance on my property becasue they are not well versed in insurance practices. My property has 2 structures on it and the insurance companies require two separate policies for the one parcel. Unfortunately Roundpoint is incompetent and can not understand the two policy rule. Both me and my insurance company have sent Roundpoint active insurance policies ( 2 ) but Roundpoint is still threatening to force place additional insurance on my property and defraud me out of the funds for the forced place policies.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}
Consumer complaint received 2024-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC (MI)

My insurance Company stated that the XXXX XXXX XXXX is being Charged to me, The Condo is responsible for the Hazard insurance I have separate insurance, The Floods in my Multi Family Condo ALL have been caused by XXXX  XXXX and the Sump pump in their unit. and a leaking toilet in XXXX  XXXX, not my unit which is XXXX The XXXX XXXX XXXX XXXX has intervened in all of the occupants of the Condo are being charged to pay the Penalty charged by the Building Inspector Which is {$450000.00} to my knowledge NO one else is being charged as a hazard. My insurance already paid for all of my flooding, not the XXXX
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

XXXX XXXX ( available funds over XXXX ) has had a block for no reason. I worked for XXXX XXXX who has their own card with Netspend. I have emailed the requested information twice ( copies of drivers license, a bill and even my passport ). This is an ongoing issue. I have had this card for over 10 years. Can not access my funds ( withdraw or transfer money ). I have been attempting to correct this for 1 year. Since XX/XX/XXXX I have contacted them 4 times because I need my cash. I was told that my block has been removed ( once in the week ending XX/XX/XXXXXXXX  and the last time on the week ending XX/XX/XXXX. I called on XX/XX/XXXX and was on the phone for a total of 55 minutes. 37 minutes on hold for a supervisor. This is a common business practice. I had asked to speak with a supervisor to have an explanation of why my card was on hold, not able to access my funds and not able to transfer my funds to an active card ( a 2nd card with them and I am also a preferred customer through XXXX XXXX ). Also wanted to know why they would charge me {$5.00} plus to receive a check by mail when the problem is due to their error and administered by them. I was on hold for 30 plus minutes and the system decided to hang up on me. It is also important to note that I am aware of their business practices that generate additional income and this is one of them. If you generate the nationwide data for customers who have had their cards blocked and refunded the funds by check with a {$5.00} plus fee, the number would surprise You. But there is a great deal more. I have actually met customers ( XXXX ) who live in a home and where not able to access their funds and not able to get their funds by check because they did not have an approved address.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRUIST FINANCIAL CORPORATION (IL)

The statement date reads XX/XX/year>, Due Date reads XX/XX/year>. There is NO postmark on the envelope. The envelope was received on XX/XX/year>. There is no way that the company will receive the payment on the due date. Every correspondence form the company has NO postmark. When I called the person was very clear that they are required to mail and expect payment within 15 days and they are right on the money with the dates. However, that does give enough time for someone to mail in a payment. Yes, there are options to pay online or arrange for XXXX. That doesn't mean everyone has that option. Correspondence from the company is never dated even if they run their envelope through a machine.
Consumer complaint received 2024-01-17
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. (GA)

I am writing to express my dissatisfaction and frustration regarding the XXXX XXXX attempts to correct the late opening of my account and removal of public record with Credit Bureaus. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a XXXX resolution to such matters. 

I kindly request the following actions : XXXX investigation into the root cause of the issue. 
XXXX communication regarding the steps being taken to resolve the problem. 
XXXX that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. 

I am asking for your assistance to correct these late open accounts and remove the public record in my credit file : XXXX XXXXXXXX XXXX Balance Owed : XXXX  - I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : XXXX - The presence of a XXXX late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws. 

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-19
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. (FL)

According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

MY NAME IS XXXX XXXX. I AM NOT A XXXX PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT A LIVE PERSON HANDLE THIS COMPLAINT. 

I am writing to formally lodge a complaint against Navy Federal Credit union regarding the abrupt closure of my account in 2013 and the subsequent imposition is a life time ban of accessing their services.To my dismay, I discovered that my account was closed a deposited check bounced.I did not receive any prior notification or explanation for this action or even a chance to remedy, which has caused me significant inconvenience and distress. 
Despite my efforts to seek clarification from the Navy Federal Credit Union, I was informed that the account closure was permanent, without any explanation or avenue for appeal. 
Navy Federal 's decision to permanently ban me from accessing their services without due process or explanation raises concern about fairness and consumer rights.This action may contravene the Fair Debt practices Act ( FDCPA ) and other Consumer Credit Protection laws that prohibit arbitrary and unjust restrictions on consumer accounts. 
The lack of transparency and communication from navy Federal regarding the account closure and lifetime ban violates consumer rights to information and due processes. 
This may be in violation of the Consumer Credit Protection Act and other regulations that mandate fair treatment and disclosure in financial institutions actions. 
It is important to note that navy Federal Credit Union was previously sued by the consumer Financial Protection Bureau in 2016 for unfair restrictions on consumer accounts.The recurrence of similar practices in my case raises concerns about the institutions compliance with regulatory standards and consumer protection laws. 
I urge the Consumer Financial Protection Bureau to investigate Navy Federal 's actions in closing my account and imposing a lifetime ban unfairly.Enforcement measures should be taken to address any violations of FDCPA, CCPA, and other relevant laws.. 
It is crucial that navy Federal conducts a comprehensive review of it's compliance practices to ensure adherence to consumer protection laws and to prevent unjust actions against customers in the future.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BOK FINANCIAL CORP (FL)

This is pretty much a continuation of the complaint from 5 years ago # XXXX, where my lender does not apply principle only payments. Now they are sending the payments back to me. I have been sending {$36.00} principle only payments to XXXX XXXX XXXX XXXX, XXXX XXXX, Attn : XXXX XXXX only, XXXX, XXXX XXXX since XX/XX/XXXX at their direction. My XX/XX/XXXX bill pay check was delivered, they took it out of the bill pay envelope, put it in a XXXX XXXX XXXX envelope and returned the check to me. Why didn't they accept the check? I have 2 more principle only payments waiting to post. Do you have a new address you need these sent to? What is the malfunction? I called XXXX in the mortgage dept XX/XX/XXXX and she was researching it and supposed to call me back.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I'm writing my complaint to EQUIFAX about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX.The FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax, I am writing to formally dispute the presence of several fraudulent accounts currently reported on my credit report. These accounts were not opened by me and are the result of identity theft following the well-documented data breach at Equifax. 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX Creditor Name : XXXX Creditor Name : XXXX XXXX Creditor Name : XXXX XXXX XXXX Creditor Name : XXXX XXXX Creditor Name : XXXX  According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed do not belong to me, and I have never had any dealings with these creditors. 
Identity Theft : These accounts were opened fraudulently using my personal information obtained through the Equifax data breach. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To : XXXX, Trans Union and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX ( XXXX ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. 

Starting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States Court of Appeals XXXX XXXX. XX/XX/XXXX. 

Therefore, the second voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. 

Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. 

Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries were authorized by me and I do not have an account with any of these companies.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

15 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 2024-02-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-03
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX