davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (TX)

My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.
Consumer complaint received 2023-06-15
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: 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

the terms of the line of credit were not clear. fees were not properly explained in the terms and when initially signing up there was an option for monthly payments. this line of credit feels predatory in terms fees and repayment terms.
Consumer complaint received 2023-03-05
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. (PA)

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question.

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX XXXX  Amount : {$100.00}
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper XXXX XXXX Mortgage Date XX/XX/2023 Loan Number XXXX Property Address XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Problem ( XXXX ) : XXXX XXXXXXXX subserviced by XXXX XXXX has made a mistake of sending payment for the property insurance to WRONG Company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 for the amount of {$760.00}. The Escrow account operated and managed by XXXX / XXXX XXXX has erroneously sent an insurance payment to a XXXX that I ( XXXX XXXX ) did not secure coverage with. ( XXXX XXXX ). 

Problem ( XXXX ) : I have never received the Surplus refund via check for the amount of {$170.00} dated XX/XX/2023 as per evidence in XXXX XXXX dated XX/XX/2023. Kindly send me the check to my address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX As per documented evidence, upon login to the website, the following payments were made from the Escrow account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have contacted the current insurance company named XXXX XXXX XXXX and they mentioned that the insurance company chatted with your XXXX XXXXXXXX subserviced by XXXX XXXX ( via text ) on XX/XX/2023 and they verified that this was sent in error and further advised that this payment was refunded to your escrow account on XX/XX/2023. They asked that we suggest you call XXXX to verify the information that we are relaying. We chatted with XXXX XXXX with your escrow servicing company. 

There is a still outstanding refund of the amount of {$760.00} which the XXXX XXXX subserviced by XXXX XXXX is obligated to pay back to me below is supporting documented evidence and detailed in-depth explanation. XXXX XXXXXXXX subserviced by XXXX XXXX has made a mistake of sending payment for the property insurance to WRONG Company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 for the amount of {$760.00} and thus required to refund the amount of {$760.00} at earliest. The Escrow account operated and managed by XXXX / XXXX XXXX has erroneously sent an insurance payment to a XXXX that I ( XXXX XXXX ) did not secure coverage with. ( XXXX XXXX ).
Consumer complaint received 2023-09-19
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: Porania, LLC (NV)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage was sold to  Nationstar  recently from  XXXX . Immediately  Nationstar  began mishandling my loan. I immediately asked for an amortization schedule on my loan so I can compare with previous ones from  XXXX  to validate that my loan transferred correctly and no further mishandling could occur. A supervisor at Nationstar then provided me with a falsified report. I then move up the ladder to the current supervisor who has promised me an amortization schedule for well over a month. My  XXXX   XXXX  17  payment is now due and will soon be late, yet I still do not have anything that can assure me that  Nationstar  has transferred my loan correctly. I have a significant amount of emails to support my position.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

It shows an account was open on my behalf on XX/XX/year> and an outstanding balance of {$450.00} is being owed. I NEVER received a card nor made a purchase I have also included a identity theft report Ive created
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: I.C. System, Inc. (AZ)

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by I.C. System, Inc. ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state. 
Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. 
If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Transunion such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a hcnace to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Transunion and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that one year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( XXXX  ).
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Procollect inc Placed for collection : XX/XX/XXXX Balance : Date Updated : Original Amount : Original Creditor : {$5000.00} Pay Status : XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XXXX ( Rental/Leasing ) > XXXX XXXXXXXX >In Collection< Responsibility : Account Type : Loan Type : Individual Account Open Account COLLECTION AGENCY/XXXX  This company has constantly ignored me and my situation Im in. I reported it as fraud and had an affidavit signed to get this removed with the credit bureaus.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

I am writing to bring attention to a concerning issue regarding my credit file. I have noticed a collection entry from your agency, which is alarming as I was not previously notified about this collection. Moreover, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to resolve this matter.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

XXXX XX/XX/2022 Dear Sir or Madam : I am writing to file a complaint against Eqifax , Inc. I have contacted Equifax multiple times to receive my free annual report including by mail, fax, online, and over the phone over the past few months. I am being told to send copies of my driver 's license, social security card, and a current utility bill to Equifax to verify my personal info, which I have done more than once now and I have the transmission reports to show. The last fax I sent to them with my documents was on XX/XX/2022 to the fax number ( XXXX ) XXXX. Each time I contact Equifax to resolve this matter I have been told to either wait more time for them to receive my documents or to try and send them again. I appreciate your help in this matter. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

There was a rule finalized by CFPB that credit card companies could charge more than {$8.00} for a late fee effective XX/XX/2024. I accidentally forgot to make my capital one credit card payment yesterday and today I have a {$29.00} late posted on my account. Since the ruling went into effect how can credit card agencies still legally charge {$29.00}?
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc (CA)

Well I was banking with chime financial but chime financial with fraudulently taking money out of my account they were doing things that were fraudulent I even lost a big amount of money dealing with them I was just so fed up I had to transfer to a whole new bank I now bank with XXXX. I had a credit score of XXXX and I was about to open up a credit card because I wanted to work on my credit scores to make it higher until I saw that it dropped and their XXXX and the other credit companies are saying that I owe Chime .coming after me for {$750.00} I kept trying to tell them I don't owe chime so I called chime and guess what this is the proof that I got I knew I didn't owe {$750.00} but they're mad at me and they're trying to hurt my credit and get money out of me because I stopped dealing with them and I went to another bank and they're doing anything in their power to shut me down I really need you guys to fix this this is the proof that I do have from my conversation with chime
Consumer complaint received 2024-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

I had my original loan with XXXX XXXX XXXX for a little over two years before and it was transferred to XXXX on XX/XX/XXXX. XXXX contacted me asking for proof of " hazard coverage '' as required under " the terms of [ my ] mortgage ''. 

The terms of my mortgage were not provided and I do not understand what this requirement is based on. I shared the insurance policies provided by my condominium 's HOA by submitting it both through the website provided in XXXX 's letter ( I submitted this on XX/XX/XXXX ), as well as by calling their representative ( who told me she could not see the website submission ) and emailing her a copy of that policy on XX/XX/XXXX, which she then submitted into their system. 

I have now again been contacted by XXXX via letter dated XX/XX/XXXX, telling me that they have not received proof of hazard insurance, and that they will charge me {$1900.00} per year for the annual premium.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I received a officials cashiers check from XXXX XXXX XXXX in the amount of {$13000.00} To be paid back to me as a refund, the check was released by XXXX XXXX. 
On XX/XX/XXXX I went to Bank of America located in XXXX to deposit my check. I was told by the representative that I would receive {$5500.00} on XX/XX/XXXX and the remainder on XXXX at XXXX XXXX  in the amount of {$7400.00}. 
On XX/XX/XXXX I woke up to check my account, and I saw The Bank of America has put a whole hold of the {$13000.00} till XX/XX/XXXX, which is a Saturday and I would not receive the money but the following Monday of XX/XX/XXXX. 
I called Bank of America that same day as into why the whole amount was placed under such a long hold, and XXXX a customer service representative from New York told me that the reason why I was unable to get it is because XXXX XXXX  has not released the funding yet. 
I then called XXXXXXXX XXXX XXXX XXXX XXXX for a whole hour, just to find out that the funding is released and it is an official cashiers check so I would have no problem with getting the money. XXXX sent me on a wild goose chase, when it was bank of Americas fault all along. 
on XX/XX/XXXX I called the branch back where I submitted the deposit to, and the branch manager advised me to call customer service again and speak to the escalations supervisor to get it released, I proceeded to ask her to connect me to customer service as it was done twice before the same day, and she denied me it. She said she cant connect me, and I told her that it was weird because I was just connected twice so she proceeded to call her associate over just to find out that she can. 
I spoke to the customer service representative named XXXX on XX/XX/XXXX and explained her my situation, she said she could fill out a report of an escalation of release of my funding, but it would take two days to process and then 3 to 4 days for a decision to be made so she said it was pointless. I asked her to connect me to a supervisor, and I spoke to XXXX who is the escalations supervisor. I told her my situation, that this check was needed for my rent and I couldnt wait, my car broke down and everything and I need my money now. She just continuously apologized and did not help me, she told me that was how I knew my account is there was no way of proving myself and thats why I had to go through longer progress but Ive had this account for four years. I asked her if I could have my official check back so that I can pick up my finances somewhere else, and again she denied me my own check back. 
Bank of America has lied to me, and has no problem with putting me and my children on the streets over an official check regardless of the customer. Im beyond frustrated and scared because of what they are doing to me.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

Sequium Asset Solutions sent me a collection letter, which I received on XXXX XXXX XXXX regarding an alleged {$1200.00} debt to XXXX XXXX. I've never had an account with XXXX XXXX, so the debt is fraudulent. On XXXX XXXX XXXX, I requested they provide me with the name and address of the original creditor ; rather than doing that, they responded with a phone number they asked me to call. When my lawyer called that number on XXXX XXXX XXXX, they refused to discuss the matter with her, and indicated they would only discuss it with me personally ; my lawyer indicated it sounded like an overseas call center. 

Sequium has reported this collection action to the credit reporting agencies, damaging my credit. They have failed to provide the name or address of the original creditor, or to prove I owe the debt they are attempting to collect.
Consumer complaint received 2022-10-21
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)

I recently pulled my reports and noticed you are reporting the incorrect ( date open ) and the incorrect ( date last active ) for this account ( XXXX cred # # XXXX ). Because the date opened and the date last active being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (ID)

I have tried multiple times to update my account information with Affirm. I call customer service and go through the process of verification, send my photo ID, Picture of myself, give them the last 4 digits of my social, my email, my new phone number, and yet they still wont let me change my account information, therefore leaving me locked out with 3 months of late payments, now im being sent to collections due to this comanys neglect of helping me with my issue. After the verification process they tell me to wait 3-5 business days for an email confirming i can update my phone number, only to get an email stating the verification failed and Im then locked out. This has happened 4 or 5 times now over the past 3-4 months. Most useless customer service I have ever experienced, just the same scripted lines over and over.