davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (NY)

I refinanced with another lender. Loan was paid off. I had {$6200.00} in escrow. Over 30 days ago. I tried calling old lender for my escrow refund. I am not able to speak to someone. I speak to automated teller with not option to speak to a live person. Did not receive my escrow refund. Bank was deceptive from the start. I'm afraid I won't get my escrow due me. I did not want escrow, bank agreed, they stated I would not have to pay escrow. I got the amount to pay for mortgage. But, at closing they instituted an escrow. Lied. Told me I could refinance after 6 months, and would not have to pay closing if I stayed with them. My lawyer said that is a lie, everyone pays closing for refinance. After 6 months I asked if I can refinance, the bank said No. I decided to apply to another bank, got approved. New Bank paid off mortgage. Now I can't speak to anyone from the old bank. They blacklisted me. The automated teller hangs up on me. I had 3 options 1. Request loan payoff letter, 3. Request lien statement, 3. Request tax statement. Those are my only options. It tells me to go online. I did that. I want to get my escrow Check. There is no information available.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a 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 2024-05-28
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. (IL)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX Date of Inquiry : XX/XX/2023 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

I am writing in response to the communication I received from Midland Credit Management regarding an alleged debt associated with Account # [ XXXX. I stated that I spoke with an attorney regarding this matter however I do not need an attorney to challenge the information on my consumer report. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of the debt. I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Midland Credit Management. In fact, your company 's name or any reference to Midland Credit Management is not mentioned anywhere in the documents you provided. As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Indefinite block on report for me online cant access anything. Also score dropped XXXX pts in XXXX day for a decrease in a balance for a credit card keep telling me to call plus fiance i called them they say to call transunion. The drop was due to a decrease in my balance??? Doesnt make sense. All other bureaus went up. Score not correct wont change and cant access anything in line.
Consumer complaint received 2023-12-30
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

I left XXXX in 2019 because somebody tried to buy something in Texas with my Credit and it's been XXXX years and haven't heard anything because I had put in a fraud alert with them and now Jefferson capital is trying to collect on it and I know that it's a XXXX  statue of limitations on Debt on a cell phone
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I am responding to my former complaint againstthe banking establishment in XXXX XXXX, XXXX complaint XXXX. That case has subsequently been closed. The bank had my attorney  and me fill out the affidavit, notarizethe document, and send them ( the bank ) the paperwork. It was promised ( by the bank ) that they would do everythingpossible to recover the money from the fraudulently cashed check..The bank also stated that they would inform us on the process. To this date no further effort has been observed to contact me or my lawyer on this case. The bank did not live up to what they agreed to do. In addition, if a check was drafted on a bank note from one party and that party mails the check, how are they liablefor the amount of the check when their bank 's lack of security measures allowed for the fraud to occur? In addition, the bank was notified immediately when the check never arrived and was fraudulentlycashed.. Any delay in the action to retrieve the money from the other financialinstitution ( considering limitations with State and Local Law ) was by the bank itself. They initially said that they wouldnot help. Only after the complaint did they request an affidavit. Thus, to hide behind any kind of legal inability based on their time to recover funds seems more like they are attempting to avoid responsibilitythat they, in fact., directly caused.

Due to the bank 's officialdenial of any responsibilityin this matter, their initial refusal to help, their lack of investigation until after a complaint against them was made, their failure to live up to any resolution terms they set forth, their failure to contact me or my attorney regarding the case, their responsibilityin the significantpassage of time,, and for the responsibility to provide adequate security measures for the prevention of fraud ( requiring the cashing institution to require a Valid ID, a thumbprint of the person cashing the check, etc, ) are the reasons I would like to file a second claim against this same bank. 
Thank You For Helpingwith this Matter,, XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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. (SC)

When I received an updated copy of my credit report, I noticed a few unauthorized inquiries. Equifax mortgage service on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

Regional Acceptance marked my last car payment as over 30 days late, when it was not only paid within 30 days, but also paid IN FULL. The payment was due on the XXXX of the month. I paid the loan in full on XX/XX/2024 at XXXX XXXX  and received the title a few weeks later. However, I just noticed they posted the payment on XX/XX/XXXX and reported it to the credit bureaus as late. I paid over the phone ( confirmation # XXXX ) through their automated system, but should probably have spoken to a person to ensure I received credit that day. 

I'm trying hard to fix my credit, but practices like this feel unethical, deceptive, and unfair. 
I am in the process of refinancing my home and this could affect my ability to close. 

I want them to fix this by reporting my loan as having been paid ON TIME for my XX/XX/2024 payment. I want this information fixed with all three major credit bureaus. I will not recommend doing business with Regional Acceptance, which recently was bought out by Truist.
Consumer complaint received 2024-05-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

At the beginning of XXXX, I received a email from XXXX XXXX  saying that no minimum payment was required at this time, therefore I didn't make a payment. 
I then received an email and text on XX/XX/year> saying my payment was past due and now I own a late fee. I don't understand. I was sent conflicting information. If I hadn't received the email saying no min payment was due, I would have made my payment as usual. I only owe {$XXXX} on this account and plan on paying this full balance within the next month ( XXXX ). 
This company should be waving my late fee since they are ones that made a mistake. 
Thanks XXXX
Consumer complaint received 2023-08-30
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (IN)

I opened an account with Truist and was able to deposit a small opening balance. I had difficulty creating an online account to manage the account and was informed via email and mail that the account was not opened due to fraud. The letter mentioned that any funds would be returned via check. 

I then received additional mailings suggesting the account was open, as well as additional mailing the account was closed. A couple of months later I was informed via mail that my account statement included a maintenance fee which prompted me to call. I was informed on that call that my account was closed and so nothing could be done and that my balance was sent via mail less the maintenance fee. 

Truist received an interest free loan and then tacked on a fee on top of it for an account they told me was not opened in the first place.
Consumer complaint received 2023-09-12
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. (MA)

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 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 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
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: SANTANDER HOLDINGS USA, INC. (NV)

On the XXXX of XX/XX/year> someone entered the XXXX XXXX XXXX and used identification that was used for me but wasnt me and purchased a vehicle in my name this is part of an ongoing identity theft issue
Consumer complaint received 2024-01-15
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. (NY)

I am writing to alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within four business days of receiving a complaint that includes specific information, as outlined below : - XXXX XXXX Charge-off {$4600.00} - XXXX XXXX XXXX Charge-off {$4900.00} - XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$4900.00} XXXX XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$5600.00} - XXXX XXXX XXXX XXXX {$16000.00} - XXXX XXXX XXXX  Charge-off {$16000.00} - XXXX XXXX XXXX Charge-off {$16000.00} - XXXX XXXX Charge-off {$16000.00} - XXXX XXXX XXXX XXXX | XX/XX/2022
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 
My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance {$0.00} Date Opened : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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: CAINE & WEINER COMPANY, INC. (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. I AM A Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to have information related to identity theft blocked from their credit reports. THE FOLLOWING ACCOUNTS ARE RELATED TO THAT IDENTITY THEFT. XXXX XXXX XXXX CAINE WEINER 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 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX