davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I spoke with my mortgage company in XXXX asking them the impact on the escrow for the deferred payments, I told them I did not want my escrow to increase once I have completed the fb and subsequent deferment. They said my payments would increase so I advised I would make a payment for all the past due escrow payments to avoid this, the agent processed a payment over the phone for me for {$5700.00} and posted to escrow. They said ok, I was contacted advising me that my COVID forbearance was coming to an end and that they could either extend it another three months or complete with a deferment to the end of my loan. I asked them to extend, they went on to tell me that more than 12 consecutive months can not be done so I would have to pay for the XXXX payment and that they would give me a fb extending me thru the end of XXXX. I asked them how that is an additional 3 months?? That is not three months. A couple weeks later I received a letter detailing all of the payments owed, the payments included the escrow I had already paid. I called them and advised them that the payments indicated in the deferment letter was incorrect. They told me that regardless of me paying the escrow, they will still put the entire PITI at the end of the loan. I told them that is not correct and requested that they reverse the payment posted to escrow, conclude the fb and defer the payments, and then use that money to post the next two mortgage payments with the overage to principal. They said ok. In the interim, I received a collection letter advising that I did not qualify for forbearance or deferment. I reached out and they said the letter was incorrect, they asked me again if I wanted the fb and I said yes. I asked them about the money I sent that was reversed, they told me they will not be refunding this as it has been too much time. I called again, XX/XX/24 asking about the money and the outcome because I was supposed to receive an escalated call back and did not and it had been a week. They sent me to the resolutions team and I spoke to XXXX and she confirmed I am on a fb and that the money was not in unapplied but had been posted to payments!! I told her the whole situation and told her that I at no point advised them to post any payments while I am in fb. I told them that if they concluded the forbearance and completed the deferment that it was to apply to payments due going forward! She advised me that she will have to talk to upper management to request approval to reverse the payments posted and refund me my money.
Consumer complaint received 2021-05-24
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: TD BANK US HOLDING COMPANY (HI)

I had a fraudulent charge made on XXXX using my credit card number. I disputed the charge with my credit card company, TD Card. TD Card denied the claim on case number XXXX and referred me to XXXX. I contacted XXXX and was told that they had the order flagged as a fraud and that they refunded the money back to TD Bank. They explained that there were numerous incidents in XXXX of someone ordering phones online and having them sent to the XXXX XXXX using fraudulent credit cards and personal information. They would then, after approval, change the name of the person picking up the phone to their name so that the ID matches the person picking up the item. I detailed this on CFPB complaint number XXXX. I am refiling this complaint because this is the only method in which these people will communicate with me. In the reply from TD Bank employee XXXX XXXX, he states that he sent me a reply. That is false. The only reply I got was through the reply to the CFPB complaint. XXXX XXXX also states that he " contacted XXXX @ the number provided, they were unable to assist us in verifying the transaction as fraudulent ''. I contacted the XXXX Order Review Team again and they confirmed that someone from TD Bank called at the end of XXXX, but XXXX at XXXX told me that they told TD Bank that the order was flagged as a fraud and that the funds were returned to TD Bank. He also said that they provided all of the information asked for by TD Bank. This is a direct contradiction to the reply from TD Bank. Can CFPB please have an investigator call the XXXX XXXX XXXX XXXX at XXXX and provide order number XXXX and they will verify all of this. I can not get a reply from XXXX XXXX of TD Bank either through numerous emails or by phone. He will not reply. I have never had any communication from them. I have already sent my congressman a request for intervention and will be contacting my state attorney general for assistance today. All it takes is for someone to call XXXX and you will see that I am in the right here.
Consumer complaint received 2021-05-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I'm trying to pay off my balance on my credit card and I downloaded the app for the bank and every time I try to pay it off it says that my account is not allowed to have me pay through the app, so I go online to the website and I pull up my account then when I go to try to pay it it tells me that I'm not eligible for that service either. I've called the customer service and told them that I'm having a hard time paying it because of the way to computer is set up. I took the survey at the end of the session and indicated that I was not happy with how difficult it is to pay your balance on your credit card and it still is very very difficult to pay this balance off through electronic means.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I have now contacted our new mortgage servicing company, PHH Mortgage Services, 4 times since XX/XX/XXXX, with regards to why their company has failed to pay our property taxes from our escrow account. These are county and township property taxes that were due at the end of XXXX. I am attaching the two notices of delinquency on these taxes to this complaint. 

The money to pay the taxes in question has been present in the escrow account since before the initial delinquency notice of XX/XX/XXXX. In four different, frustrating and lengthy phone calls, I have received no better answer from PHH than " my documentation and concern has been to submitted to our escrow/taxes department '', even when requesting an escalation from the representatives. I was told explicitly that I could not be transferred to this department, and that " they were going to take care of it, along with the now accrued late penalties and interest. '' Never was I allowed to speak to someone who could solve this problem. 

As of date of submission of this complaint, I have confirmed with the relevant local tax office ( information attached ) has not received payment. I have exhausted my options with PHH 's ridiculous customer phone service, and I now asking for solution through this filing.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

On XX/XX/2022 I talk to this company about a account that I did not consent to and I wanted the company to delete my information under the California Privacy Act I was denied my rights I also was denied the information I was asking for pertaining to the account number is # XXXX which was created from XXXX cell phone company and they sent it collections a company called Convergent. I talked with a supervisor by the name of XXXX XXXX from Convergent and she told me that they do not have to send me the documents Im asking for which would be billing statements phone usages and a sign agreement and for information to be removed I was denied this from the company.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 




XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (FL)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-02-28
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number XXXX XXXX-9 Delete this account.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (MS)

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. 

The letters are stated with items and issues. 

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 2023-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX  XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge off account
Consumer complaint received 2023-02-28
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-06-29
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. (FL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2017-02-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

taken to emergency room, treated for immediate issues and forced to stay in hospital for 14 day against my will and threatened to call police if i try to leave. XXXX services were not given to me and i was forced to stay in a hospital room to be finally released. i had no insurance at the time and was homeless with no way to pay. filled out paperwork to have county pay the debt but i still have account for collections on my credit report and the creditor refuses to remove account.