davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (NJ)

On or about XX/XX/XXXX, I began the process of refinancing my existing Variable rate first mortgage with Homeside Mortgage Company in order to lock in fixed interest rate. I explained to the Homeside Representative handling my account - XXXX XXXX - the terms I was looking for, and was promised by him ( at various times throughout the transaction ) the  following : 1. The {$450.00} home appraisal cost would be credited back to me at closing ( it was not ) 2. It was " against the law '' to continue paying my homeowner 's insurance separate from my mortgage - apparently due to the level of equity and the debt to value ratio of the fixed rate loan. Additionally, he said that now I " won't have to worry about paying my homeowner 's insurance policy anymore '' because the mortgage Homeside was selling me would " take care of it ''. However, due to a miscommunication between my homeowner 's insurance company - NJ Manufacturers - and Homeside, the balance of my XX/XX/2018 homeowner 's policy ( approx. {$880.00} ) was NOT accounted for at closing and is still due. After pointing this out to Mr. XXXX, I was informed that I would have to " pay it separately - which is now apparently not " against the law '' to do. 
3. The money to pay off the mortgage I was refinancing would be wired to the mortgage holder - XXXX XXXX XXXX XXXX - on Monday, XX/XX/XXXX. It was not - a paper check was " over nighted '' and arrived there on Tuesday, XX/XX/XXXX, apparently because the wiring instructions were not clear ( XXXX vehemently disputes this and said the instructions were included with the payoff letter they sent to Homeside ) 3. As long as the XX/XX/XXXX payment due on the mortgage I was refinancing was paid at some point in XX/XX/XXXX, my credit would not be affected. Today - XX/XX/XXXX I was informed by XXXX  that there is a " late payment '' notated on my account from XXXX for the XX/XX/XXXX mortgage payment ( currently under dispute ) ( * Please Note that I signed the closing papers for this mortgage in my home on Wednesday, XXXX ) I feel that I was misled by Homeside throughout the transaction, and suffered various consequences due to their incompetent handling of the appraisal of my home, escrow analysis of the refinanced mortgage, payoff of my old XXXX mortgage, as well as the whole closing experience.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Had money garnish from my bank account by Midland Funding LLC. Was not informed of this action until my wife got a judgement letter. I was never notified, or was even told what the debt was about. I called midland to dispute this action and to find out what the debt was for. They infor.ed me that it was for a XXXX XXXX Credit card, from XXXX. I I formed them that I never had a credit card with XXXX. Even now, I only have a XXXX XXXX account, and the XXXX XXXX. I have is under my wife 's name, a d I am only a authorized user. I was then infor.ed that midland got thebdebt in XXXX, and is now taking action. XXXX  years later, which goes against california law. I was told by XXXX, the account manager from midland that I have obligation to show this debt is not mine. I asked how to do that, if I have no knowledge of this debt. She then gave me the web address for the FTC to do this report. The original debt was for around {$1900.00} and is now {$2000.00}, plus the XXXX dollars my bank charged me for legal fees. I do know that my identity was stollen in the past and someone tried to or rented a house under my name and social security number in a state back east. At that time I did put a credit freeze for a year on my social security number with the XXXX credit beuroes. As a XXXX veteran the only gets money from my XXXX XXXX  this is putting an extreme undue financial hardship on me.
Consumer complaint received 2023-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2023-06-20
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. (IN)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, 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 602A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (AL)

Macy 's credit card is still showing on my credit report. It's now 7 yrs old and should have been removed now. I've tried disputing it on the credit bureau 's but they refuse to remove it.
Consumer complaint received 2023-05-06
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX  XXXX  #  XXXX, XXXX  XXXX  # XXXX, 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 602A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (TX)

This account was opened with UPGRADE in XX/XX/XXXX as a {$500.00} line of credit. The account was never late, and I complained to the creditor that it wasn't reporting or reflecting my timely payments to the bureaus, and my credit was getting impacted. The creditor explained that they are NOT a bank, and that they use a XXXX party to report and update all payments and credit updates. The process could take up to XXXX - XXXX  days. 
I paid the balance of the account ( {$390.00} ) - in full on XX/XX/XXXX ( {$430.00} ) The account Balance was XXXX. As of today 's date XX/XX/XXXX ... the record in XXXX has NOT been updated since XXXX XXXX, and continues to erroniously report a balance of {$390.00}. This afffects my debt-to-income ratio, and thus affects my score. 

I filed disputes in XXXX and XXXX with BOTH the creditor : " UPGRADE '' as well as with XXXX. Neither accepted responsibility and instead pointed the finger and blamed each other. 
XXXX concluded at the end of the XX/XX/XXXX Dispute that the balance is indeed XXXX, and that it was paid in full. ( Based upon my bank statements, and the screenshots from Upgrade 's own User Portal. ) I asked for the XXXX time for XXXX to correct my report and back date it to reflect a XXXX balance. They refused stating that wasn't their " process '' and again opened a NEW dispute to verify with Upgrade. 

I attempted to escalate the issue to their " Corporate Office '' or " Board of Directors '' a " VP of Customer Care '' or equivelent. The supposed supervisor I spoke with " XXXX '' - claimed he was the highest authority I could speak with ... and that everything stops and ends with him. There was no further or higher authority to go to in order to address this issue. An endless circle. So I am wishing to file suit on both, and I am seeking full damages in accordance with the FCRA.
Consumer complaint received 2024-01-03
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P. (NC)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX. i do not have a contract with LVNV FUNDING LLC. they did not provide me with the original contract as requested.
Consumer complaint received 2023-04-10
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. (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 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Citi had a promotion being offered that said when you open a Citi XXXX XXXX Credit Card and spent {$1500.00} within the first 6 months of opening the account you would receive a {$200.00} statement credit in the form of XXXX Thank You points which can be redeemed for a statement credit, gift card or other offers. I opened my account in early XXXX of XXXX, and was able to clear well past the {$1500.00} spending amount by spending well over {$2000.00} within the first 6 months of the promotional period. After waiting a couple months after the promotional period ended and never receiving the credit promised, I opened live chat with a representative about not receiving the promotion on XX/XX/XXXX. During a lengthy conversation with a representative named XXXX, this person kept making false claims stating I didn't meet the purchasing requirements. However, I have statements and XXXX also claimed they could see the statements on their end, showing well over {$2000.00} spent within the promotional period. In my opinion, XXXX was using word salad and being dishonest right in front of me since we were both looking at the same statements. It's very clear they are attempting to get away with not honoring their own promotion. This is my first credit card and/or doing business with Citi Bank in any capacity, and I am shocked and appalled that they would fight me over a {$200.00} statement credit on a promotion they offered me to open a Credit Card XXXXo begin with. Why even make the offer if they are just going to be dishonest and attempt not to credit it when the offer is completed on my end? I honestly can't believe I even have to file this complaint, this is very unethical.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX of XXXX I called Wells Fargo Bank in order to ascertain what happened to the funds of a mortgage that was supposed to be from an account of Wells Fargo Bank. The funds transfer was initiated XX/XX/XXXX. The funds never arrived to XXXX. The name of my business is XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The amount of the transfer was {>= $1,000,000}, In communication with the representative of Wells Fargo Bank, I was told that they could not give me any information because I was not a customer of their bank. I spoke to a bank officer of XXXX, and he verified that no funds was received by his bank.
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (WI)

On XX/XX/XXXX this company report a {$2000.00} balance.This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (VA)

XXXX XXXX of Radius Global Solutions, collections agency, called me and said that I owe {$9500.00}. XXXX XXXX is using them to collect the outstanding debt for a workers comp policy. He added that my name, SSN, and phone number were used as the owner of XXXX XXXX in Illinois. 
I used to be married to XXXX XXXX, and my name used to be XXXX XXXX. My ex in laws were XXXX XXXX and XXXX XXXX. So, my ex mother in law used my info to commit fraud. Our social sec numbers are all off by a digit- we came to the US together and they have that information. My new last name is XXXX, and I still have that last name. My information is public, as I am a real estate agent and need my contact info made available to the public. 
Back to them : XXXX moved back to XXXX, so did his brother XXXX with wife XXXX. Their parents are leaving soon, and I believe they are running up debt in my name, without the intent of repaying it.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NY)

Exeter Finance LLC is in violation of Section 609 of the Fair Credit Reporting Act ( 15 USC 1681 ). 
Account number XXXX was reported without my express written consent. According to the provisions of 15 USC 1681, this is a violation of my rights under federal law.

Specifically, I have not provided written consent for the furnishing of the following information : Account number XXXX.
Consumer complaint received 2023-07-31
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

This is a continuation of previous complaint : mortgage company 's implemented insurance was cancelled, but I'm being told that they are now adding my Personal Condo Insurance payments to my Escrow payment. I am Personally Paying for this insurance monthly in a XXXX insurance " package ''. There is No Reason for Rushmore Servicing to be charging me monthly for my personal condo insurance.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VT)

Formal Complaint Against Citibank for Mismanagement of Account Transactions Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Citibank , N.A . due to serious concerns over the handling of my bank account transactions and customer service failures, which I believe violate pertinent consumer financial laws. 


Incident Description : On XX/XX/XXXX, several transactions were correctly authorized and posted from my account. On the following day, these same transactions appeared again as pending, thus inaccurately reflecting my account balance and effectively freezing funds without justification. Despite the merchants confirming receipt of their payments, these transactions continue to be displayed as pending AND posted Citibanks Response : After contacting Citibank through various channels including XXXX and direct phone calls, I received inconsistent and misleading information from different representatives. I was advised to wait XXXX business days for resolution. This response is unsatisfactory and has compelled me to consider closing all my accounts with Citibank. 

Violations Suspected : - Regulation XXXX ( Electronic Fund Transfer Act ) : Citibank 's failure to promptly investigate and rectify the erroneous pending status of my transactions likely constitutes a violation of Regulation XXXX, which demands quick resolution of electronic transfer discrepancies. 
- XXXX XXXX XXXX Reform and Consumer Protection Act : The deceptive practices and lack of transparency observed in Citibanks handling of my concerns may contravene the consumer protection statutes under this act. 

XXXX XXXX : I urge the CFPB to facilitate an immediate review and correction of the duplicate pending transactions impacting my account. I also request a formal investigation into Citibanks customer service practices and compliance with federal consumer financial laws. Additionally, I seek compensation for any financial inconvenience and the possibility of punitive measures against the bank for their mismanagement and misleading responses. 

Attached are copies of all relevant documentation, including transaction records, communications with Citibank, and statements from involved merchants. 

I appreciate your immediate attention to this matter and look forward to your prompt intervention. 

Sincerely,
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX. 

I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further. 

My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium. 

I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX