davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (GA)

The company paid property tax payments out of my escrow account twice which caused my account to be overdrawn and a advance was given to cover the funds needed by Atlantic Bay Mortgage. In the beginning my county property tax was {$4400.00} but the county also issued a corrected property tax statement showing that my taxes were lowered to {$4000.00}. Atlantic Bay Mortgage ignored the statements and paid both amounts. There was not enough money in the escrow account to cover both tax bills because only one bill should have been paid. I emailed Atlantic Bay Mortgage both statements in a timely manner but they still proceeded with paying both amounts and then tried to cover up the error by issuing an advance of {$2200.00} to my account to pay both amounts. They also took the funds that were in the escrow account. This caused my combined mortgage payment to go from {$1900.00} per month to over {$2600.00} per month. This is money I, as a XXXX Veteran and social security recipient, do not have on hand to pay because of an error. I have called by phone, email and sent letters by postal mail to Atlantic Bay Mortgage but have yet to receive a correction or satisfactory resolution to this matter. Atlantic Bay Mortgage also proceeded with covering their tracks by issuing the payments as a Lien/Tax Distribution when I have no such lien. The customer service agent told me they were waiting on a response from the county tax agency. I called them directly and they confirmed that they did not receive two payments and that their system will not accept partial and over payments. All I need is a correction to the account and all errors resolved. I then need my combined mortgage/escrow account payment to be corrected prior to this high payment that they have forced on me in error.
Consumer complaint received 2022-11-21
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-03-22
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. (FL)

My name is 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 2023-06-01
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-31
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. (FL)

I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit bureaus.
Consumer complaint received 2023-02-02
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: FIRST PORTFOLIO SERVICING INC (FL)

I contacted the company to notify them that a fraudulent inquiry was made in my name, and that it is reflecting on my credit report and I would like it removed. They notified me that it would and its been well over 60days with no results
Consumer complaint received 2023-06-01
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. (NC)

I have contacted XXXX, Equifax, & XXXX regarding my personal information. There are many variations of my name & addresses. They have refused to update my personal information as requested despite me showing proof of my current address and my only legal name. I requested that any other variation in my name or be deleted immediately. I also requested that my date of birth and SSN be deleted for privacy reasons after being a victim of identity theft. I have also contacted them and requested that the unauthorized inquiries be deleted that arose from identity theft. They refused to delete the inquiries which resulted from identity theft. XXXX, Equifax, & XXXX are in violation of the FCRA by not complying. As a consumer I have a right to privacy. I have contacted them notifying them of the fraudulent activity on my consumer report. These companies have failed me as a consumer and are at this point willfully not complying.

15 U.S. Code 1681- Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer All documents required by law are attached to this complaint.
Consumer complaint received 2023-02-02
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2017-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (DE)

I took  my BMW in to  the  XXXX   XXXX   XXXX  DE  location  in   XX/XX/XXXX  to  start exploring getting a new lease since it was up in   XX/XX/XXXX .  While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had  XXXX  miles on it. I hardly ever drove other th an   XXXX    miles to and from work. I decided not to go with  BMW an  instead go with a  XXXX . When we called they said no issues with turning it in early.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

I have sent several complaints to CFPB and CFPB isnt addressing the violation of Respa violations that have occurred by the new servicing company SN Servicing. 

SN servicing has refused to provide me my Amortization and has lied to the courts stating I didnt pay my mortgage payments as of XXXX of XXXX. I made payments and used their system which can be detected through their own software as well. I was also informed by their own employee that the board members didnt want my loan and were going to force me into a foreclosure. How is it legal that this is even allowed and why isnt CFPB allowing this to take place. Its illegal whats transpiring. I want CFPB to be held accountable for what they are illegally allowing to happen. I have been paying on my mortgage since XXXX and I loss my father in XXXX and my brother in XXXX from XXXX. Its a XXXX shame that this is allowed to transpire. We give billions away of tax payers money to XXXX and other countries but law abiding citizens are getting XXXX  by mortgage companies and our own government. This needs to hit air ways and the public needs to be informed of what CFPB is doing to consumers. This is stealing..
Consumer complaint received 2020-12-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

The Servicing of my Mortgage loan with Mr. Cooper was transferred to XXXX XXXX effective XX/XX/XXXX. While my loan was with Mr. Cooper, an Escrow of {$430.00} was being charged every month. 

On XX/XX/XXXX, While my loan was still with Mr. Cooper, I purchase home insurance with XXXX XXXX XXXX and paid {$770.00} for Insurance Policy Period XX/XX/XXXX to XX/XX/XXXX. I also provided proof of insurance to Mr Cooper. However, Mr Cooper still continued collecting escrow for insurance and taxes even though I sent complaints to them several times. 


On XX/XX/XXXX, I realized my property taxes had not been paid by Mr. Cooper so I made a payment online for {$2000.00} XXXX XXXX has sent me an escrow bill of {$1300.00} for XXXX, XXXX and XXXX. When I requested they remove the escrow charges since I already paid my insurance and taxes, they sent me an escrow projection for XXXX that states that starting on XX/XX/XXXX to XX/XX/XXXX they will be collecting {$230.00} a month to go into the escrow account. 

I need help getting my money back that I have paid into Escrow from Mr Cooper in XXXX.
Consumer complaint received 2023-06-01
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)

I had done an investigation on my credit report which caused me XXXX  XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX ( c/o : XXXX XXXX XXXX XXXX ) Account Type : COLLECTIONS Amount due : {$610.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

My credit card statement shows that on XXXX XXXX, XXXX I charged {$170.00} XXXX in person ) at the XXXX XXXX XXXX. 
On XX/XX/2020 I called Capital One to report this suspicious charge. They cancelled my credit card and said they would look into the claim. 
On XXXX/XXXX/202 I received a letter saying they had insufficient evidence that this is fraud so they will not take the charge off. 
I called Capital One on XX/XX/2020 asking for more details about this erroneous charge. They said I actually used the card on the XXXX of XXXX in XXXX. 
I live in Utah and was in Utah on the XXXX when this charge was made. 
I asked them for proof that I used my physical card and signed for the charges that were made. They do not have any evidence but are trying to charge me for this fraudulent charge. 
What are my rights if my credit card information was stolen?
Consumer complaint received 2024-03-25
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. (NY)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per XXXX guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WA)

I have federal student loans which I am paying for the past 4 years and have been making larger then required payments for the past year. I submitted my IBR resertification form before the deadline and after receiving a letter on XX/XX/XXXX about a denial and need to send additional documents such as a pay stub because my income changed significantly. Of note I was not notified about this during my initial application. I submitted the required document and was told to wait for communication prior to XX/XX/XXXX. On XX/XX/XXXX I received a letter saying that my min payments have gone up and my interest capitalized because of resertification delays. I contacted XXXX and informed them about the fact that delays in their processing are causing my interest to capitalize and payments to go up and after speaking to 4 people they agreed to review my case. Since there was an error on my account my automatic payment was canceled for the month of XXXX but the servicer was Unable to answer if this would increase my total interest by 0.25 % for not being enrolled in autopay for the month of XXXX. 
To conclude, the customer service workers lack knowledge and tend to only read what ever the last note was posted on a given account. I request that my interest capitalization be reversed immediately with appropriate resertification of IBR prior to my next payment date on XX/XX/XXXX in order for me to re enroll in auto pay and avoid paying the higher interest during the time I have to wait for this error to be resolved. Thank you.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction This account is showing inaccurate information on my credit report
Consumer complaint received 2021-01-14
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)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.