davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OK)

The Money Source is the mortgage lender my loan was sold to without my permission this happened in XX/XX/XXXX. Since then I make all my payments to ( TMS ) The Money Source. Well, twice I did modification on my home due to financial hardship. Instead of my mortgage payments going down they increased, but I still made my payments. Last summer I applied for an equity loan {$38000.00} it was through HUD well I was approved, but ( TMS ) kept the loan without my consent and they had to put it on my principal and escrow. ( TMS ) applied {$31000.00} to my principal loan, my beginning balance was {$170000.00} this should of made my ending balance {$140000.00}. Instead they are still showing my principal balance at {$170000.00}. In my escrow there was a beginning balance of XXXX after deposit of {$7900.00} from equity loan and disbursements of {$5900.00} there was an ending balance of {$180.00}. In XXXX XXXX I received a bill from ( TMS ) stating my escrow account had a shortage in the amount of {$630.00} and If paid before XX/XX/XXXX my monthly mortgage payments would remain the same. On XX/XX/XXXX I sent them a payment of {$1600.00} according to ( TMS ) website my escrow was {$440.00}, my mortgage payment with late fee was {$1100.00}. Well, after I made this payment ( TMS ) increased my mortgage to {$1200.00} I called ( TMS ) and confronted them their rep told me I still had a balance on my escrow of {$190.00}. ( TMS ) rep told me on XX/XX/XXXX they would look into my situation and I would hear from them but I did not. I have a suspicion ( TMS ) is stealing and padding my account I need an investigation done.
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (MN)

Medical Business Bureau - XXXX XXXX XXXX XXXX XXXX  - Missed call from XXXXXXXXXXXX XXXX  XXXX XXXX XXXXXXXX  - Missed call from XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Missed call from XXXX XXXX XXXX  XXXX XXXX  - I called XXXX to find out the reason for the calls. - Person explained this was a debt collection. I demanded a paper statement naming the original debtor and itemized list of charges. I was hung up on. At no point was my mailing address asked for. 

I have not received any paper statement explaining my rights, the amount of the debt, who the debtor was, etc. Nothing.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing a few accounts that are no longer obsolete since XX/XX/XXXX. Since the bureaus didn't respond to my initial dispute, I sent an additional follow-up on XX/XX/XXXX and then XX/XX/XXXX. The bureaus have yet, to this day, sent me any kind of update or responses in regard to this!
Consumer complaint received 2021-03-15
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. (CA)

I am contacting you regarding the XXXX XXXX # XXXX, # XXXX accounts. This is my third request. For the first and second time company did not provide me with the following : Explain and show me how they calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). 

Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with XXXX. 

However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XXXX XXXX out/cancelled due to the disputes, and there was a XXXX balance. But XXXX continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. 

There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. 

These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX there was a fraudulent charge of {$53.00} on my PayPal account. I filed a dispute and within hours they closed my case without giving me another chance. The so-called seller has no valid contact and obviously the item wasnt shipped. Also threw my investigation I found that not even XXXX  can locate this seller to file a dispute. There are multiple names to the seller and no way to contact them. {$53.00} was taken without my permission and obviously a scammer is holding my money and PayPal absolutely would not help me and said that they already closed the case and there is nothing I can do. I can prove to you that whatever items said being sent were never sent it was just somebody taking my money. XXXX is one of the names and it can not be located anywhere. The other names are written in XXXX.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

My XXXX insurance is paying my truck payment and every three to four months I have to get paperwork signed by my doctors. I had an appointment with the doctor in XX/XX/XXXX and my next appointment could not be scheduled until XX/XX/XXXX. I contact my insurance company to tell them my next appointment but I had to get documentation signed by my doctor after XX/XX/XXXX. Fifth 3rd bank contacted me in XX/XX/XXXX and I explained that my next appointment wasn't until XX/XX/XXXX. They said okay we will notate this in our notes but I will be contacted in two weeks again. I was contacted again and I explained the same information to collections. On the XXXX of XX/XX/XXXX, I saw my doctor and discussed XXXX XXXX XXXX XXXX in the near future and got my documentation signed and submitted to my insurance company and the insurance company submitted payment to Fifth 3rd bank on the XXXX of XXXX as my payment is due on the XXXX of each month. I contacted the Fifth 3rd bank after discovering that I had missed payments on my credit report. I explained that the payment had been sent to the collection department and they stated that they did not make that report, but customer service filed the report. I asked them did they file my corresponding in my file. They explain yes but customer service and collections do not contact each other or correspond with each other on accounts. I ask what can I do to get the report removed and was told to contact customer service and they can remove the false reporting and that was on XX/XX/XXXX. They then transferred me over to customer service and I explained the situation and the agent explain that she could remove the missed payment but it had not posted yet so wait until it does and call back. On the XXXX I called back and was told that I was in delinquent payment and it will not be removed from my account. I explained that the payment was sent on the XXXX of XX/XX/XXXX and there has been a delay in the mail. I asked to speak to a manager named XXXX ID # XXXX and explain my situation again and the manager stated that a phone tract will be conducted to prove my statements and he will contact me on Thursday the XXXX of XX/XX/XXXX. On Thursday I received a call from a young lady calling for XXXX that he said that my account will remain delinquent even though my account was paid up because they had received payment. I explain and said that was not fair for me to have an account in delinquent and the account is paid up. I told them I would report this matter and now I'm submitting this report. My insurance has been paying for this account since XXXX with no problems until now.
Consumer complaint received 2021-03-15
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

Received a notification on XX/XX/21 advising that my First Investors Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.
Consumer complaint received 2017-09-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

On XX/XX/XXXX l contacted lender by my cell phone number XXXX Lender at around XXXX Texas time to make a payment of {$1200.00} principal and interest.as what l can afford. 
Lender refuses to accept the payment and escalated the process to foreclose my home, because of my filed complaints with Federal Government since XX/XX/XXXX and present because of lender VA Loan frauds. 
By foreclosing my home, it would benefit lender so they dont have to hear from me anymore. 
I am going through a VA Loan Modification since XX/XX/XXXX and all documents was provide it, even though Texas has non disclosure law. 
Now, Lender stating there is document that is missing. 
On XX/XX/XXXX, in a response to Federal Government, lender stated that they no further documents is needed it and they was still working on my VA Loan modification. 
Now on XX/XX/XXXX, lender Rep stated Foreclosure had been escalated and l will be forced out my house with Texas Sheriff and Court. 
Lender wants me to pay {$7500.00} and in collection. 
Lender wants to collect {$7500.00} and Foreclose my home.immediately. 
I am XXXX and XXXX. 
I am going through agony and sadness because of my family in XXXX, XXXX as l explain to lender, but lender doesnt care and lender law firm is making preparation to foreclose my home. 
Urgent Matters.
Consumer complaint received 2021-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I initiated a dispute with Transunion in XXXX over a debt that appeared to be inaccurate or completely false. They quickly 'validated ' this, but do not seem to have conducted any meaningful investigation. 

When I called the 'creditor ' ( XXXX XXXXXXXX XXXX XXXX ) they informed me it was for a debt with a company called XXXX XXXX They provided an address I didn't own, nor live in during the time period at which they allege I entered a contract, and couldnt have contracted services for as a result. 

They claim I entered a contract on XX/XX/XXXX for alarm services at XXXX XXXX XXXX XXXX in XXXX, AZ. I did not live at this address nor in this state on XX/XX/XXXX. A simple review of my credit report would show this information was at the very least not accurate. 

Further, they use a date of XXXX for the balance/account and when I called this creditor they mention the delinquency was from XX/XX/XXXX. It appears they are using a newer date in an effort to maximize the torment on folks they are preying on. 

I had issues with debt over 10 years ago and have been in a cycle of being preyed on through phone calls and emails from bogus debt collectors who trade on sold information, and this appears to be another case of this and I am tired of it particularly now as they try to tarnish the good name I have spent years trying to rebuild.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

This is concerning a XXXX XXXX bill for an account that I never established. Sequim Asset Solutions at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX filed a judgement on my credit report against me stating that I owed {$840.00} for an account I never established. I never received any communication from the company despite my previous attempts. I contacted all three credit bureaus to rectify the situation and filed a complaint but they have responded that Sequim Asset Solutions reportedly verified and validated the account in spite of the fact that I never opened the account. There are no contracts, letters, or receipts to show that I ever established this account but they said they were able to verify that this account existed. This information was never sent to me because I never established this account. 

The credit bureau stated that I would need to contact your company to attempt to resolve this matter. I hope to hear from you soon in my attempt to resolve this matter.
Consumer complaint received 2023-08-09
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. (OH)

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 2021-03-15
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA routinely denies debit card didputes even when the account holder sends in requested information Debit card dispute staff at USAA do not review uploaded documents for debit card disputes I complained about this same issue over 90 days ago & it appears USAA still Has not corrected their practice of denying claims without reviewing documents -without contacting the customer Ordered an item in XX/XX/2021 -a XXXX XXXX Seller shipped on XX/XX/2021 Recieved XX/XX/2021 Seller shipped in a glass bottle -bottle was broken & liquids leaked out Sent email to seller with photos requesting a refund /no response Filed a dispute with Usaa via phone call Uploaded photos same day of broken bottle /spillage Today XX/XX/2021 Usaa reversed my credit -denied my claim I uploaded photos to USAA that clearly show a broken bottle -leaked liquid therefore I did not recieve my product ordered I uploaded my email to the merchant /requesting a refund Even after that I got a letter from Usaa requesting supporting documents I then uploaded the documents a 2nd time on my account -dispute tab & they still denied my claim I know I cant be the only person experiencing this issue You cant talk anyone in the department that does disputes The people in the dispute department arent reviewing or receiving supporting evidence Or They receive it and deny the claim anyway XXXX  XXXX  XXXX XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (OH)

I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX XXXX etc and nothing. Please help me.
Consumer complaint received 2024-02-27
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. (CA)

I am writing to express my deep disappointment regarding the accuracy of my personal information in your records. As a valued customer of your organization, I expect that my information is maintained with the highest level of precision and attention to detail. It is imperative that the necessary steps are taken to promptly update your records with accurate information. Failure to do so may result in legal action, as inaccurate data can have significant consequences on both my records and credit report. I trust that you understand the importance of this matter and will take immediate action to correct the inaccurate information without any delay. 

XXXX 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 2023-02-20
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. (PA)

This account is reporting inaccurate the reporting dates the bal owed and it is also reporting balance as a charge off and the bal was written off at the same time on my consumer report pass due amount was {$7700.00} I have 3 different reporting dates on different reporting agencies