davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I Tried to call the bank to open a merchant dispute but nobody answered the phone call, so I want to dispute it through here.

I made 4 purchases on the store, but they didnt have stock of the products at the same place so they will send it from their warehouse to my address. 
XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00XXXX XXXX XXXXXXXX XXXX XXXX All items must be delivered on or before XX/XX/2023, but never arrived. Also the merchant never provided a tracking number, delivery confirmation or any other shipment information. I tried to reach them several times to get that information by the website and phone calls but nobody respond. The first contact was in XX/XX/XXXX and the last was XX/XX/XXXX. Im not on that city any more so its impossible for me to go in person to the store. XXXX ending in XXXX I have the invoice that I want to share with the bank to support my case where is written they will send the purchase by XXXX
Consumer complaint received 2024-05-20
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. (KY)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (TX)

How are there 3 PMI payments deducted for 1 month by previous mortgage company and transferred to a new servicer less than 8 days later? Dovenmuehle nor XXXX will not explain, and they will not explain how my Escrow account only has {$6000.00}. 
On XXXX XXXX there was a third-party payment to Dovenmuehle Mortgage Inc. on my behalf. There is an ERROR with the way money has been disbursed towards my account. 
XXXX XXXX XXXX XXXX  ( DOVENMUEHLE ) XXXX XXXX id # XXXX is very rude and disrespectful and still give the wrong information about not locating my third party payment. On XXXX XXXX there was a new direct deposit third-party payment again on my behalf and XXXX XXXX XXXXXXXX and Dovenmuehle Mortgage Inc. accepted the payment but did not apply and did not transfer the funds to the new mortgage loan servicer. I have been given the runaround for weeks about this payment. I have called numerous times, I have sent several emails as well. I keep being told that the back end office are not able to locate the payment. THIS IS FALSE INFORMATION. The money cleared per third-party payor, which is how I was able to provide : PAYMENT REFERENCE NUMBER, BANK PAYEE NUMBER, BANK TRACE NUMBER and all other receipts from XXXX as proof of PAID for XXXX XXXX. 
I called again today @ XXXXXXXX XXXX and XXXX/DOVENMUEHLE MORTGAGE INC has still been lying saying they only received XXXX payment when I clearly provided the XXXX payment information. 
DOVENMUEHLE AND XXXX KEEPS LYING SAYING THEY CAN NOT LOCATE PAYMENT TO TRANSFER TO FREEDOM MORTGAGE, also they will not provide me with a tracking number either.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

They are the cause of my data breach alone with XXXX and there are accounts with the collection and late payments, addresses that do not belong to me and all of this stuff is preventing me from getting an apartment for my and my children 's credit e.c.t. We are homeless right now because I've been fighting with Equifax and XXXX credit report for months. I did not realize that my credit report had been tampered with since XXXX I didn't realize it until I noticed that my XXXX XXXX and a lot more of my accounts were changed into a different name and every time my bank cards were used. and this was back at the end of XXXX.
Consumer complaint received 2023-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (FL)

Dear Coast Professional, I recently received a communication from your company stating that I owe {$620.00} to the IRS. When I contacted the IRS to verify this debt, they confirmed they had received my tax payment but could not verify the additional amount owed. 

I was never provided any information from the IRS or your company about this additional debt amount or given an opportunity to verify and validate it. Under the Fair Debt Collection Practices Act, I have the right to receive information about the origin and validity of this debt. 

Please provide me with a detailed breakdown of what this debt is for, including the dates and nature of the debt. I would like to resolve this, but need more information first. Please send me written documentation validating this debt within 30 days as required by law. 

Thank you for your cooperation.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I have a mortgage with Freedom Mortgage corporation. 
Loan No : XXXX Purchase Date : XX/XX/XXXX Price of the Property : XXXX Initial Loan : XXXX In XX/XX/XXXX I applied for a recast and during that conversation with the customer service rep, I asked them what is the regulation to drop the PMI payment, I was told that the balance has to get to below 80 % LTV. 

I made a recast payment of {$50000.00} and the LTV went down to 78.6 % and in the next statement I realized that PMI is not dropped and I called them again, and now I was told I have 2 options.

1. submit a written request 2. pay the remaining balance to bring the LTV to below 78 %.

I submitted a written request and they sent a letter back asking me to get the appraisal of the property to make sure the value did not go down. as I was not ready to waste money on getting another appraisal I paid another {$2000.00} on XX/XX/XXXX towards Principal to bring LTV to  below 78 %. 

My PMI was still not dropped and when I called them again they said that the balance has nothing to do with PMI and I have to pay the PMI as per amortization schedule then I told them that it is not the Document that I signed and they said they can not do anything and I have to keep paying the PMI. 

I request your help to get me the refund of the additional PMI they charged, at this point I feel really cheated and robbed of my hard earned money.
Consumer complaint received 2024-03-07
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. (TX)

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. 

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-18
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: SLM CORPORATION (MO)

XXXX XXXX XXXX XXXX settlementXX/XX/XXXXXX/XX/XXXX I had 3 loans which met this criteria each one was established during XXXX by XXXXSallie Mae XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XXXX XXXX XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XXXX XXXX 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With Sallie Mae still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and XXXX and all remedies applied per the settlement.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to have a Charge Off removed because the information reported in the 3 bureaus is not correct, I have sent letters but I have not received any response answering the inconsistencies that were found.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received my debit card from my new CitiBank account around the first of XXXX. On XX/XX/2023, I made my first deposit, {$1000.00} in cash at my local CitiBank branch. To my surprise, my debit card was declined when I tried to use it shortly afterward at a grocery store. I immediately returned to the bank to figure out what went wrong and was informed that my account was frozen due to a fraud alert because my account was just newly opened. 

Despite providing my passport, drivers license, and the very debit card I had just used for the deposit, the banks response was that I needed to wait for a letter from their Fraud Department to clear things up. This means waiting around for 10 business days without access to my funds, which is quite inconvenient, to say the least. The bank is holding my money hostage.

Im perplexed because the deposit was in cash, and I would think the availability of those funds would be immediate. It seems unusual to lock down an account like this without a direct and timely way to resolve the issue. 

In other words, I deposited cash to the bank, and they wouldn't give it back. Isn't that against FDIC or some kind of banking statute?
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (MD)

I have enclosed some information from the courts.The District Court of Maryland dismissed the account.So why are they still trying to collect.Why are they still reporting this to my credit report.This is a clear violation of my federal consumer law rights.Its a violation of constitutional rights and the FCRA/FDPA I will be contacting the Attorney General for the State of MD I may also sue XXXX a violation of the FCRA and FDPA
Consumer complaint received 2023-09-19
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. (NC)

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 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 2023-06-22
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights.

T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.
Consumer complaint received 2023-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received several emails alerting me to a hard inquiry added to my credit report. This inquiry was from Capital One bank. I have two accounts with capital one credit cards, however I did not contact them or request any services that warranted this inquiry. I called capital one bank on XX/XX/XXXX and XX/XX/XXXX. Both times I couldnt get an answer for what the inquiry was and was redirected to checking credit karma or calling transunion. The representatives were not so helpful. I reached out to transunion on XXXX and was able to determine this was likely fraud, especially since Ive had two incidents with credit card fraud on my capital one accounts in the past two years. I was able to put a freeze on the account and given further directions to file this complaint.
Consumer complaint received 2024-05-20
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)

Recently I looked at my credit report, and I noticed some inaccuracies on one of my accounts.This account is reporting a late payment for XX/XX/2022, 2 different account numbers, 3 different dates for date opened, and 3 different dates for date last reported. I was never for any payment on this account. I need this account updated accurately, and the late payment reporting removed. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-09-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citibank closed my Macy 's and Home Depot accounts in retaliation for my request for a discharge on the Sears Mastercard. Both accounts were in good standing and the Home Depot account had a XXXX balance. Citi discriminated and retaliated for a prior complaint I filed with the CPFB in reference to their illegal refusal to remove a late fee from the Sears Mastercard and their default in dishonor for refusing to discharge or mutually offset the balance on the Sears Mastercard. ( The complaint was filed on or about XX/XX/23 and the accounts were conveniently closed on or about XX/XX/23 ) Citibank claimed they perform routine credit checks with XXXX, however I never gave them permission to check my credit. In addition the routine check was purposely done earlier than what it should have been. These checks are usually done every six months. In these cases, they did the routine check right after I filed a complaint for calling them out for their refusal to do a discharge or mutual offset on the Sears Mastercard. Citibank never provided a notice of dishonor from the US Treasury or any federal laws that refute the request for a discharge.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NH)

I was checking my credit report today on XXXX XXXX, and, a collections account had been opened by LVNV Funding, LLC, in XX/XX/, however, I have never received any mail regarding this collection account from LVNV Funding, LLC, nor, regarding any information about the account, nor information about disputing the debt, etc. I literally have received no mail from this company whatsoever regarding this account.
Consumer complaint received 2024-05-20
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. (MA)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENT ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. THANKS
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.