davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (CA)

I believe my loan servicer is fraudulently attempting to foreclose on my property, by using deceptive practices related to my property taxes. I own a property in XXXX, GA. When I closed on the property in XXXX of XXXX ; the XXXX taxes were paid in closing through the escrow company. My loan servicer, Cross Country Mortgage, sent me a letter in XX/XX/XXXX saying that the taxes were never paid. I immediately provided proof of payment. In XX/XX/XXXX, they sent me a letter verifying that the taxes were in fact paid and the matter was resolved. In XX/XX/XXXX, they sent me another letter saying that I still owed XXXX taxes and they were paying XXXX XXXX the $ XXXX on my behalf, and would later bill me for the tax payment. I immediately called upon receipt of this letter, and the Cross Country Mortgage representative confirmed that this new letter was a mistake. I was told it would be corrected. Now, in XXXX of XXXX, I am attempting to make my mortgage payment on time, as I have always done so consistently in the past, but I can not, because Cross Country has forced my account into an escrow account with a negative balance for the XXXX back taxes. Most importantly, the mortgage company has intentionally ignored my proof of payment of my property taxes and my repeated attempts by phone to have this matter fixed. Due to this incorrect escrow account my mortgage payment has increased by {$1500.00}. I can not afford this additional amount, and to make matters worse I have to pay the new XXXX taxes to XXXX XXXX by XX/XX/XXXX. I am suffering from serious emotional and financial strain due to the fraudulent practices of Cross Country mortgage, since their payment system does not allow me to make even my regular mortgage payment, and instead requiring the entire payment in full including escrow.
Consumer complaint received 2024-10-17
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. (MI)

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-29
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: General Motors Financial Company, Inc. (FL)

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( AMERICREDIT XXXX ) company. I requested that they send me the written " Permissible Purposes '' document with my signature on it, but I receive no response or explanation. I also sent certified documents ( tracking # XXXX ) which were returned and unable to be delivered. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC. (CA)

My name is XXXX XXXX XXXX XXXX XXXX. We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have XXXX XXXX and XXXX insurance in Florida. Shortly after moving to CA we asked XXXX to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with XXXX and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
Consumer complaint received 2023-05-30
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. (IN)

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my 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.
Consumer complaint received 2023-05-30
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. (IN)

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my 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.
Consumer complaint received 2024-03-29
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. (AR)

On XX/XX/XXXX, I submitted an online dispute to Transunion via XXXX pertaining to an incorrect balance and payment history being reported by the creditor XXXX XXXX  XXXX. 
Three days later, I received notice indicating that Transunion had investigated the dispute and verified it as accurate. 
On XX/XX/XXXX, I sent a written dispute and demand for verification to Transunion regarding the account in question. In addition, I included a hard-copy receipt to provide evidence of my claim. At that time, I currently owed XXXX XXXX, XXXX, a balance of {$5.00}, XXXX. This balance was paid on time. 
Transunion records reflect a much higher and incorrect balance of {$7400.00} that was 30 days past due! 
In that letter, I asked that Transunion correct my file. 
OnXX/XX/XXXX I received a letter from Transunion indicating that they once again verified the information as accurate! No other information was provided. Transunion did not provide any details of their investigation or to whom they spoke, or how. 
Transunion is NOT following federal law and investigating legitimate claims against data furnishers. Every time I try to correct a matter on my report, I get a letter that essentially offers no help or provides blatant lies. 
I'm getting tired of trying to amicably work with Transunion and am willing to pay any number of the multitude of attorneys online to sue them.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (MS)

Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section XXXX of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the XXXX program.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

our house was on the market for a short sale already agreed upon by both parties. We have an agent who was in constant contact with the mortgage company and they have authorized a short sale. Suddenly we received a message that the house has been foreclosed on XXXX XXXX with no notice.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MN)

I had been making payments on my amex account ( 183 ) that had been closed and transferred to a debt collector every two weeks. I missed the last two payments that would have satisfied the remaining balance and got a call and told if I make the last two payments that day I can clear up the account. I agreed to pay that day. I was charged for both payments ( 366 ). Now when I call amex they tell me the account wasn't paid off In time and transferred back to amex.
Consumer complaint received 2017-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

I sold a saddle on ebay which was received by the consumer  X/XX/2017   . The funds were received by  XXXX  approximately on  X/XX/2017   . The amount was  XXXX . It appears some fee has been reduced from the funds as now it has been reduced to  XXXX . The funds re on hold even though the buyer gave the highest remarks and has the product. Further, the shipping was  XXXX  higher then quoted. They stated I could spend the money on  XXXX  immediately but I would have to wait up to 21 days for funds unless I have  XXXX  or more transactions.
Consumer complaint received 2023-06-08
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. (SC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-12-22
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase card is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt continues to report on my credit file and continuously updates on my credit file. I have settled this account with them and they continue to report negatively on my credit report. This is inaccurate and this account must be fixed. Reporting erroneously on credit is a violation under the FCRA and reporting invalidated debt on credit could constitute fraud. Please remove this or fix this immediately.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TN)

I opened a checking account with Citibank, they decided to close my accounts on XX/XX/22. I was told several times I would get a check for what they owed me but it was never sent, .all I do is talk to XXXX and was told I would have a check by XX/XX/22 which I never received! I am getting the run around from Citibank and want the money that they owe me!!
Consumer complaint received 2017-05-02
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. (NY)

iam unable to obtain my  XXXX   XXXX  because of wrong personal date of birth on my account, the wrong birth year is  XXXX , whilst my correct date of birth is  XX/XX/XXXX , i have attached my credit report showing this information and my state id and passport showing my correct date of birth
Consumer complaint received 2024-03-29
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. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.