davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

The IRS deposited funds into my account. Chime suspended my account and made me send the same documents over and over again because they were saying they didnt get them. Their calls reps were misleading and didnt know what they were talking about. I finally was able to get my into my account with the help of a lawyer. Just for them to close my account permanently, say I didnt send the right documents even though I still have all the emails of me sending every document that they requested. They told me I wasnt getting none of the money I have in my saved, checking or credit builder. I would not recommend chime to anyone. I MEAN NO ONE!
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

XX/XX/XXXX Escrow Analysis Date from XXXX XXXX. XXXX  of {$71.00} identified. If escrow shortage payment was made, new payment amount would be XXXX. If payment was spread, payment would be XXXX effective XX/XX/XXXX. 
XX/XX/XXXX Letter date from XXXX XXXX - Notice of Servicing Transfer received effective XXXX. 
XX/XX/XXXX Escrow payment made of {$71.00}. I sent it to XXXX XXXX based on the instructions on the Escrow Shortage Remittance Form with a note it was an escrow payment. It was received by XXXX XXXX, who transferred the funds to XXXX XXXX. 
XX/XX/XXXX XXXX XXXX received the escrow payment and applied it to principal on XX/XX/XXXX. 
XX/XX/XXXX I paid {$720.00} to XXXX XXXX, thinking the extra would go to principal. I was expecting the extra to be {$12.00} XX/XX/XXXX XXXX XXXX generated a monthly billing statement XX/XX/XXXX Upon receipt of the statement, it was reflected that the payment amount was {$710.00}. I contacted the Customer Service team at XXXX who said they would reverse my payment of XXXX and correctly reapply it as an escrow payment. Then they would reverse my XXXX payment and reapply my payment of {$720.00} correctly to allocate the additional to principal. 
XX/XX/XXXX XXXX XXXX generated a monthly statement. 
XX/XX/XXXX Upon receipt of the statement, it did not indicate any of the actions had been made as discussed on XX/XX/XXXX. I spoke with XXXX at the above number and she said not to worry about it... they were going to run a new escrow analysis in XXXX. I said I am not going to pay another escrow shortage. And you shouldn't be charging me a higher payment amount when I made the payment as instructed on my analysis. XXXX XXXX agreed to reverse the payment and reapply it to escrow, but would not change my monthly payment to the agreed payment of {$710.00}. 

XXXX XXXX would then blame Equity Resources for not sharing analysis data and when approaching Equity Resources on XX/XX/XXXX with XXXX claimed that XXXX XXXX was not factual. However, they had sent me a letter on XXXX that indicated they transferred my loan at the wrong payment amount.
Consumer complaint received 2022-12-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( 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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt XXXX  XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

Dear Sir or Madam, They say they do not refinance when I asked for it. They say that they took this loan from XXXX XXXX  XXXX. 

A year ago, I applied for a forbearance. I was granted this. However at the end of the XXXX month reprieve, the bank demanded full payment. How is this any help? If I or anyone can not make a payment due to lack of funds, how is it that they expect double payment on demand? When I first purchased this home in 2006, things were much different. I had money and was working. I and my partner are now both XXXX due to XXXX XXXX. I am unable to pay the 4 % mortgage on top of all the other expenses that come with a home. My partner has been making the payments for me. We need a lower rate. I need immediate help please. Thanks!
Consumer complaint received 2023-08-16
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2022-12-05
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent however, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2017-05-11
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)

There has been a collection on my credit report for 4 years now. It is a  Utility bill th at is in my name yet under an address that I have never resided at nor gave permission to have it put in my name. I have contacted the original credito r on  XXXX /17 they have sin ce then advised me that they have concluded it is not mine and advised  XXXX  and equifax on  XXXX  17 to h ave it removed.  XXXX  removed it immediately however, Equifax refuses to remove it after explaining everything and disputing the situation 3 times since   XXXX   of 2017    .
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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 Equifax stated that they verified these inquiries and did not send proof on how they verified these UNAUTHORIZED inquiries nor sent documents showing I gave permission to authorized nor my signature. I need these inquiries deleted asap.
Consumer complaint received 2023-08-16
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. (TX)

1 ) In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions. 

2 ) In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions. 

3 ) In accordance with the Fair Credit Reporting act XXXX Account, # XXXX XXXXXXXX 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. 4 ) In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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.

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-08-17
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. (NY)

In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-08-17
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NJ)

I payed twice accidently on my mortgage XX/XX/2023. Clearly the funds were there but the money was taking forever to be drawn. I thought I may had forgotten so I payed online again a few days later. The company then tried to take the money out twice. I called to resolve this matter but the company is refusing to let me make an online payment for this month.They are also trying to charge me late fees. I tried reaching out to the research department through the online portal but nobody ever writes back. This company keeps giving me the run around!
Consumer complaint received 2023-08-20
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. (IL)

There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit report.
Consumer complaint received 2023-05-16
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. (MD)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX Balance : {$8.00}
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: BMO Bank, N.A. (IA)

I received certified mail XX/XX/XXXX from BMO/Harris bank about repossessed car that i had cosigned on loan. I have never received any calls, letters or any type of communication from Harris bank prior to certified letter, and after they repossed car. BMO reported to credit agencys and my credit score has been very negatively impacted by more than XXXX points. Again i received no notices, letter, or phone communication of any kind, no notice to cure, nothing period! they repossessed car.
Consumer complaint received 2023-11-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

I purchased a set of tires and financed the original amount with Acima Leasing. I made weekly payments of XXXX for several weeks and then I called on XX/XX/2023 and got the payoff amount from Acima and was advised that the payoff was XXXX. On XX/XX/XXXX, I made a payment of XXXX to pay off the loan in full and went on my way. I heard nothing else from Acima and then on XX/XX/2023 I noticed that Acima had withdrawn XXXX out of my checking. I called and spoke to a representative and he advised that when I paid the XXXX on XXXX XXXX that I was XXXX short of my payoff. I advised him that I payed exactly what I was told to pay to payoff the account and he said that it didnt pay off the account and now I owed XXXX more XXXX  since I did not pay off the account. I again advised that I paid exactly what I was told and he said that I only made a lump sum payment and did not pay it off. I then asked him why would I make a lump sum payment short of the payoff by XXXX. He then said I dont know what to tell you I advised him that I had paid what I was told to pay off the loan and he again advised that if I wanted to pay it off I would have to pay XXXX. I asked him if I was only XXXX short why would I have to pay XXXX and he said because I didnt pay it off in time. I asked, if that was the case then why did they wait 6 months to take a payment out and he advised that he couldnt tell me. I have tried to talk to several people and they will not discuss it with me. I blocked them from my checking account and now they have started charging my credit cards. 
I paid exactly what I was told to pay it off, this company is trying to get more money and the have all ready taken XXXX from me which would more than pay the XXXX, if I owed it which I dont. Why would I have just randomly payed XXXX if I was not told that would pay off the loan.
Consumer complaint received 2023-08-16
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. (NC)

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the XXXX XXXX. 

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.