davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Hello, I am not having difficulty refinancing with my existing mortgage company. I am not looking to refinance with them. 
My difficulty is with the information that my current mortgage company Specialized Loan Servicing, SLS provides to companies that I apply to for refinancing. My principle balance on the loan is approximately {$9000.00} as evidenced by information on the website. However, in a recent inquiry from a potential refinancer SLS stated that my balance is {$130000.00}! 
In fact, I have requested a copy of my most recent refi with SLS that happened approximately five years ago. I was told that the most recent request was mailed XXXX. I do not have it yet. I made three prior requests for copies as well. Two requests were made in XXXX of last year and most recently in XXXX of this year. 
When the loan was sold to SLS in XXXX it was conventional with XXXX months. Far from ideal, but a portfolio in which my loan was included was sold. In fact the organization that sold the loan to SLS was not the loan originator. My loan had been firmly established. 
In XXXX I inherited a childhood home that I sold one year later. Until I sold it, I rented to tenants who were often late with payments. I was left in the position of managing a home equity line of credit and two mortgages- my own and the remaining mortgage on my family 's home. I survived by selling the house in XXXX. In fact I am in a far different position now. During that time SLS offered what had been presented as a 30 year fixed mortgage. What it appears that I have is a 52 year mess. How does one go from a 30 year fixed conventional loan to a refi of 52 years WITH a balloon attachment? I became aware of the balloon attachment when I checked my credit report, and it stated that my balance on the house was {$120000.00} last year. It was recently presented to XXXX XXXX at {$130000.00}. 
My principal balance on the loan in XXXX XXXX  was {$88000.00}. This was according to the information on SLS 's website.

I have complained to CFPB in the past about SLS 's affinity to negatively amortize loans- my escrow payments were far out of proportion to my principal payments. As a result, the escrow payments were spread out over five years.

I am NOT willing to pay SLS {$130000.00} on a principal balance of {$88000.00}.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

ON XXXX XXXX I RECEIVED AN EMAIL ALERT FROM THE BANK OF AMERICA THAT XXXX XXXX WAS ADDED TO MY XXXX ACCOUNT. I CALLED THE BANK IMMEDIATELY AND TOLD THEM I DIDN'T KNOW WHO THIS PERSON WAS AND DID NOT GIVE ANYONE PERMISSION TO BE ADDED TO MY XXXX ACCOUNT AND I TALKED TO THE FRAUD DEPARTMENT AT BOFA AND THEY TOLD ME {$9900.00} WAS TAKEN OUT OF MY CHECKING ACCOUNT. MY DAUGHTER, XXXX XXXX AND I WENT TO THE BANK BRANCH AND TALKED TO XXXX XXXX WHO PUT IN A CLAIM AND ULTIMATELY FOUND OUT THE THEIF TOOK THE MONEY OUT OF MY XXXX ACCOUNT. XXXX FRAUD HAS THE CLAIM AND WON'T TELL ME ANYTHING ABOUT THE PROGRESS OF THEIR INVESTIGATION. NO ONE AT THE BANK CAN TELL ME ANYTHING ABOUT XXXX EXCEPT THEY HAVE A LOT OF FRAUD CLAIMS WITH THIS ENTITY. I WAS TOLD BY THE BANK EXEC THAT MY MONEY WILL BE RETURNED WITIN 10 DAYS OF THE CLAIM AND 45 DAYS A DISPOSITION OF WHAT HAPPENED WILL BE SENT TO ME. SOMETHING FISHY IIS GOING ON HERE, XXXX ALLOWED THIS GUY TO TAKE MONEY OUT OF MY CHECKING AND THE BANK HAS NO CONTROL OVER XXXX!!! THERE SHOULD BE A CONGRESSIONAL INVESTIGATION ABOUT THIS BANK THAT HAS NO CONTROL OVER XXXX TO PROTECT CONSUMERS.THE COMPLAINT TO THE XXXX FRAUD UNIT WILL NOT GIVE ME AN UPDATE ON THEIR SO CALLED INVESTIGATION, THEIR REPS TELL ME " IT'S IN THE BACK OFFICE OF XXXX XXXX AND THE BANK CAN NOT GET UPDATES FROM THEM '' YEAH RIGHT THE BACK OFFICE!!!
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I had a home loan with NewRez and I refinanced my home loan with XXXX XXXX. Loan closed on XX/XX/XXXX and NewRez was overpaid by {$2200.00}. 
When I contacted NewRez, the company told me that they will send me the money back. 
When asked the fastest way to receive the money, they told me that it was via my bank. 
They told me that I would receive the money without 24 to 48 hours. 
On XX/XX/XXXX, I called back NewRez because I didnt received the money yet. The company told me that the money was deposited in my account on XX/XX/XXXX. 
I called my bank and they told me to contact back the morgage company. 
Since XX/XX/XXXX, I contacted NewRez multiple times and each times they promised me that the money would be in my account in the next 24 to 48 hours. 
We are XX/XX/XXXX and I still dont have the money. 
When I asked the company to overnight me a check, they told me that it was not possible. 
I need that money to pay my new morgage company.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate information that Equifax has reported on my credit report. This erroneous information has significantly affected my credit score and, consequently, my ability to obtain credit and other financial services. 

Despite my efforts to resolve this issue directly with Equifax, including multiple disputes and requests for correction, the inaccuracies persist. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free of errors. Equifaxs continued failure to correct these inaccuracies constitutes a clear violation of my consumer rights under this federal law. Specifically, Equifax is in violation of : Section 611 ( 15 U.S.C. 1681i ) which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute being filed. 
Section 623 ( 15 U.S.C. 1681s-2 ) which requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. 
I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that Equifax complies with its legal obligations. I ask that Equifax be directed to delete the inaccurate accounts and any other erroneous information from my credit report immediately. 

Enclosed with this letter are copies of my correspondence with Equifax, including my dispute letters and their responses, as well as a copy of my credit report highlighting the inaccuracies in question. 

I trust that the CFPB will address this matter with the urgency it demands and take appropriate action against Equifax for their non-compliance. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (IL)

The creditor called me today concerning my student loan debt that i owe to the school. I informed the creditor that he is top on my list because i can not attend school unless he is paid. He said you said that the last time. The last time you paid was {$20.00} back in whatever month and begin to be argumentative with me as if i can pull the money out of my pocket to pay him. I don't have it. Then he said " you just started working didn't you? How did you know i was working? Im like " i need a pay check right and can't make plans to pay debt without a paycheck. He started getting aggressive so i hung up.
Consumer complaint received 2024-05-28
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. (TN)

I did not authorize XXXX XXXX  to report on my credit and they did not receive my written consent. It is reported twice on my credit report for XX/XX/XXXX and XX/XX/XXXX. 

15 USc 6802 A Financial Institution may not XXXX disclose nonpublic personal information to a nonaffiliated third party unless 25 They give you the consumer the opportunity to exercise your right to opt -out Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer
Consumer complaint received 2024-05-29
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. (DE)

This is my second formal complaint for this agency to fix incomplete and inaccurate information on my consumer report. I submitted my request last month and they provided me a stall letter stating this is not me and I enclosed all my identification. ID and Proof of address
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CA)

My vehicle was a TOTAL LOSS, my insurance Company paid the Value of the vehicle, I got on ALLYs app that I always use to pay my bill with them. I paid off the balance, and when I did it put up a prompt something to the effect of ( are you paying off your vehicle ) which I answered yes and I paid it off. On my ALLY APP HOME SCREEN it showed my Payment Amount for my other vehicle with ALLY, and the loan I paid off the APP was telling me I had a XXXX balance. Then approximately 45 days later my fraud protection went off and it said I missed a payment on a vehicle I paid off in full. So they said I still owed them like a couple meaning literally a couple dollars then they added a late charge to it and hit me for approximately {$26.00} for the balance and the late.fee. I paid them what their junk app said to pay them, why would I pay them the whole balance due and not pay {$2.00}. I. Called them immediately trying to get their mess fixed to no avail. It was about a {$600.00} a month loan that I had never been late on and paid off the balance due plus my other ALLY loan for {$1400.00} has never been late.it make no sense that ai would XXXX over my credit by not paying {$2.00}. So then they asked what I wanted to do about it and I told them I want to pay it even though I dont owe it because I didnt want their XXXX up to turn it to them reporting me as XXXX late too. Then to top it off they still screwed up my account payoff the second time because when XXXX paid their {$26.00} extortion to make it stop screwing up my credit they sent me a check for XXXXXXXX XXXX Yes I got a check from ALLY for XXXX CENTS! It has made me so mad I have a {$59000.00} balance on my other vehicle that XX/XX/XXXX I will get a payoff demand in writing on my other loan and wire transfer the payoff for my other vehicle and close my account with ALLY! Their junk app sucked almost XXXX points out of my credit scores with all three Credit Reporting Bureaus into the high XXXX to low XXXX. I have called and called and wasted not only hours trying to get ALLY inept offshore CUSTOMER Dis-SERVICE DEPARTMENT to try to fix this and have got absolutely nowhere with them I would be more than happy for you to publish this complaint. After XX/XX/XXXX ALLY will never make another dime off me and if it sways someone else from making the same mistake I did and thats even doing business with ALLY then that would be great. And BTW Im not going to cash that XXXX XXXX Check they sent me back Im just going POST a photo of that XXXX XXXX  CHECK they sent me back and SLAM ALLY on all my Social Media Accounts to no end! Theyll wish they would have fixed their XXXX up they obviously dont care about losing me as a customer, I just hope I can sway others not to make the mistake of doing business with ALLY!
Consumer complaint received 2021-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.
Consumer complaint received 2023-03-13
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I tried to dispute the status of a collection account online via my Experian account, however Experian is making sure to block access to online disputes for no reason. I tried to call Experian to dispute over the phone, but it's impossible to get a hold of a representative. 
I am no longer disputing the XXXX XXXX account, please remove the dispute comments from this account. See attached letter for details and account information.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-28
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. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-30
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. (CA)

THE PRIVACY ACT OF 1974 and its entirety Public Law 93-579, as codified at 5 U.S.C. 552a SECTION 2 specifically Direct violation of the privacy act of my credit report. 
Dates : XXXX Current creditors obtaining, selling and/or exchanging confidential personal information to third party debt collectors and/or subsidiaries.

( b ) The purpose of this Act is to provide certain safeguards for an individual against an invasion of personal privacy by requiring Federal agencies, except as otherwise provided by law, to -- ( 1 ) permit an individual to determine what records pertaining to him are collected, maintained, used, or disseminated by such agencies
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX to XXXX of 2024, I filed a disputes with XXXX and Equifax Credit reporting agencies about the unverified collection account of XXXX  XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Consumer complaint received 2024-06-19
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. (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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
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. (IL)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-06-19
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)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2024-06-19
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. (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. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX, PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX 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.