davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (OR)

Our loan sold from XXXX XXXX XXXX  to XXXX XXXX XXXX. XXXX XXXX XXXX mailed us a statement with a customer service number as well as website. Their website XXXX has been down for a number of days and when calling their XXXX number you get the message that it's down due to technical difficulties. They are in a sense trying to force you into a late payment which I have never been late on. How are you supposed to ensure payment to a company that seems to not exist?
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a XXXX XXXX and I have been flying to many places in short of time and mostly of the times my bank is great on confirming my activities.

Last week I had two activities using my card in XXXX XXXX XXXXXXXX when I wasnt there. I was in XXXX XXXX. Same day I noticed I called my bank to block my card. 
I opened a claim to dispute the two transactions made in XXXX since I was not there and also didnt recognize those purchases. 
The bank cancelled my card. Sent me a new one. Opened the claim and I am still waiting to have my money credited until today. Its been more than a week Claim ID XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$990.00}.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

My account was hacked on XX/XX/XXXX while i was asleep my login information was changed and my phone number was changed without my permission I wake up and call chime immediately when I was not able to login to my account, I had to send in a picture of myself with my dl and note with my email and phone number XXXX and my dl to change my account back to me, when I logged in my card was changed and a temp cared given without my knowledge, there were XXXX transactions that i did not authorize with the temp card and i told chime that and was told to wait till the transaction was not pending anymore and we will dispute them, so far all my disputes have been declined i sent over XXXX documents to chime and they refuse to give my money back after speaking with supervisors and they make notes stating they see my account has been in the hacked alerts and i did not authorize the transactions my dispute still gets denied I asked for reasoning and told they don't see why the investigation team will deny my dispute then they reopen my case only to deny it again. I've asked for documents and they still have not sent me anything. and keep denying the claim
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc. (FL)

They have called my number multiple time all hours of the day and night. I have asked them not to call. I also referred them to my attorney. 

I have blocked other numbers from my phone. I have changed phone numbers. They still call. 

I have listed my number on the Do Not Call Registry as well but they pay no attention to any of the requests.
Consumer complaint received 2023-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLAZA HOME MORTGAGE, INC. (VA)

Hello, We are paying a home mortgage with XXXXXXXX XXXX XXXXXXXX. Due to reduce income we ( my husband and I ) have tremendously fallen behind payments and bills. XX/XX/2023 mortgage payment was made but the end of that month we had put in a request for mortgage assistance with XXXX. We decided to contact XXXX our service provider and was provided the mortgage assistance application. We completed the mortgage assistance application, had to re-do a few documents but we completed in a timely manner. We were contacted via email that our application was received. I was aware of my upcoming appointment for a follow-up that was the beginning of XX/XX/XXXX  for an update. The update was to make us aware that all documents were received and they had everything on their end and the loan is awaiting investor ( XXXX XXXX ) response. As mentioned, Investors normally respond within 30 days or it can be a delay. XX/XX/2023 will make it 30 days. 

The specialist assigned to my account ( XXXX ) I had XX/XX/2023 appointment with set the next follow up date for XX/XX/2023. 

After XX/XX/2023 appointment I received mail from XXXX stating that our mortgage loan will be transferred on XX/XX/2023 to XXXX, which was the same day as my follow up appointment. I called XXXX today ( XX/XX/2023 and was told I no longer have the follow up appointment on XX/XX/2023 with ( XXXX XXXX and I should try to call a few days before that date of transfer to see if the investor ( XXXX XXXX ) has responded. If the investor has not, than I shall proceed to contact the new servicer ( XXXX ) and began rapport with them. 
I questioned if I talk with the new servicer and new documents or policies are requested, will this put me behind in mortgage payments more months to where we could possibly go into foreclosure? If I did not call to follow up on the mail I received via email and mail, I wouldnt have known I no longer had an appointment or to call and check on the status of the investor ( XXXX XXXX ) response. 

I expressed my thoughts and worries with the representative on the phone that my loan being transferred in the middle of requesting mortgage assistanceand the response was Thats how business is.
Consumer complaint received 2023-12-06
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. (NY)

my auto account from XXXX is due on the XXXX of each month. XX/XX/2022 i made a payment of {$390.00} on XX/XX/2022 i made a payment of {$190.00} and {$190.00}. XXXX made a payment of {$390.00}. But yet my credit file with experian reflects that ive been late in XXXX then updated to XXXX. ive senty a copy of my payment receipt.
Consumer complaint received 2024-01-26
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (VA)

Sued and garnished for over {$6000.00} by XXXX XXXX XXXX. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear XXXX XXXX, I am writing this letter to appeal the permanent limitation on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake, and I would like to request that my case be re-investigated and my account be restored if possible. 

I have been a loyal PayPal customer for several years, and I have never violated any PayPal policy or engaged in any fraudulent activity. However, I was shocked to receive a notification stating that my account had been permanently limited. 

I believe this decision was made in error, and I would like to present my case for re-evaluation. I am confident that, upon review, it will become clear that there was no basis for this limitation. 

I would appreciate it if you could provide me with any specific details or reasons why my account has been permanently limited. I am confident that I can provide any necessary documentation or information to resolve this issue and restore my account. 

I kindly request that you reconsider your decision and restore my PayPal account to its full functionality. My email address associated with my PayPal account is XXXX Thank you for your time and consideration. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX Balance Owed : {$9800.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXXXXX Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}.
Consumer complaint received 2023-04-26
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (MD)

Greetings, My complaint begins with a repeat offender of common finance laws, Fay Servicing who will be further in described as the Servicer. For 11 months the Servicer has been drafting my account for lender-placed insurance unnecessarily. This had gotten my attention in XX/XX/2023 when a call was made to the Servicer when it was discovered that there was lender-placed insurance being charged to the account. At that time the Servicer was asked to remove said insurance because there was insurance in place already. At that point it was confirmed by my insurance company that the Servicer was provided proof of my insurance and how commonplace it is to do so. An internal task by the Servicer could have been initiated at that point to verify but was not. Since then, a copy of the insurance declaration was sent by mail with payments in XXXX, XXXX, & XXXX of 2023. The payments were processed while the proof of insurance was ignored all three times. The drafting of my account for lender-placed insurance continued. While escrow only required {$500.00} charges of XXXX continued with a difference of {$710.00} being drafted for lender-placed insurance. This amount has been assessed and collected for 11 months totaling {$7900.00}. Everything humanly possible has been done to inform the Servicer of my insurance and has become materially abusive. Given many opportunities the Servicer has done nothing. I am requesting that this issue be resolved immediately without delay and the money returned. A court summons will be issued for XXXX Fay who is the beneficiary of said errors. Let this complaint be notice of what is to come. 
XXXX XXXX
Consumer complaint received 2023-12-06
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Consumer complaint received 2024-04-01
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. (FL)

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 2023-09-02
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. (FL)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
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. (SC)

I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (CA)

I RECENTLY NOTICED QUITE A FEW INQUIRIES LISTED ON MY CREDIT REPORTS THAT I DID NOT AUTHORIZE. NOT ONLY ARE THEY UNAUTHORIZED, BUT THEY ARE UNJUST INACCURATE AND INCOMPLETE. I NEED THESE REMOVED IMMEDIATELY BECAUSE I DID NOT BENEFIT FROM THESE UNAUTHORIZED INQUIRIES NOR DID I CONSENT TO THESE. SOMEONE IS TRYING TO TAKE ADVANTAGE OF ME AND I WANT TO PUT AN END TO IT NOW!
Consumer complaint received 2023-10-19
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. (AZ)

On XXXX XXXX I received an alert on my credit file of an unknown inquiry. Please investigate and delete immediately XXXX XXXXXXXX XXXX ( XX/XX/2023 ) I am not liable for this inquiry its fraudulent.