davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I initiated an electronic balance transfer through " XXXX XXXX '' on XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX states they paid the receiving bank " XXXX XXXX  '' on XX/XX/2022. XXXX XXXX has never received the payment. XXXX XXXX denies any wrong doing. XXXX XXXX has no information, because THEY WERE NOT PAID. XXXX XXXX refused help on XX/XX/2022, XX/XX/2022, and reluctantly opened a case on XX/XX/2022. XXXX XXXX still has not received payment and the date today is XX/XX/2022. XXXX XXXX will not provide more information. XXXX XXXX is reporting that I owe them the debt on all credit bureaus despite not paying XXXX XXXX XXXX XXXX states they will fine me, and report negatively on me if I do not pay them. I do not feel comfortable making a payment on a debt that is not valid. I need help.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-09
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. ()

I applied for the SAVE repayment programme before XXXX XXXX. During the month of XXXX, the loan was placed in " administrative forbearance '' at the servicer 's or Dept. of Ed 's instigation- not my own - ostensibly to allow for additional processing time needed. However, entering forbearance deactivated the auto-pay interest rate reduction, increasing the loan 's interest rate by 0.25 % throughout the month of XXXX. Now, according to the servicer 's Web site, I owe hundreds of additional dollars in interest accrued during the month of XXXX than I would have without the unrequested forbearance. I have tried to contact the servicer ( Aidvantage ) via telephone to reach an agent but after 20 minutes on hold, I reach a " full mailbox '' and the call disconnects. It has been this way for weeks now. The chat functionality of the servicer Web site has also been disabled.
Consumer complaint received 2022-11-29
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-03-27
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (PA)

The story is very, very long. Here is the almost bullet point version of it. 
I have signed a construction loan with CrossCountry Mortgage LLC, who was recommended to me as the preferred lender by the XXXX XXXX Representative ( Broker A ) - Envision XXXX XXXX. The loan was closed in XX/XX/2021. 
As per the Residential Construction Agreement that was signed by myself, Broker A, Broker B ( my broker ) and the construction company, both brokers were to be paid by the builder. ( see Exhibit C : XXXX XXXX Agreement page of the Residential Construction Agreement attached ) The builder failed to build the house in agreed timeframe, and I was pressed to close the loan .... and do whatever I wanted with construction. The whole process with CrossCountry Mortgage LLC was absolutely not client oriented, extremely disappointing and overall horrible experience in regard to many things but in particular explaining my payoff amount to get the loan closed. No matter how many times I asked to provide details of their calculations of the payoff I was getting the same " 5 '' lines word document with no details of where/to whom my cash to close was disbursed. After me keep questioning and lengthy back and forth my pay off somehow went down $ XXXX with no explanation again as to how and why. I was advised by a friend of mine to get closure ledger details from the title company, which I did ( attached ), I had questions about a few things in the ledger, as I'm not a professional, however, what caught my eye was that {$8300.00} were paid to the XXXX XXXX on The XXXX XXXX, which is XXXX XXXX real Estate company. 
I would like to know if this is correct as this payment to the Broker B took place on the date of the initial construction loan closure in XX/XX/2021, while Exhibit C : XXXX XXXX Agreement it should have been paid by the builder. 
Please investigate this matter. Thank you.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Foursight Holding LLC (NE)

My vehicle was repossessed without knowing it was up for repossession. I had recently made arrangements for a XXXX payment and a XXXX $ fee payment for a extension. When I contacted them by thru their website chat I was then told a different amount. I asked the representative of they could look into it because I was prepared to pay the agreement that was made. The representative told me no and that I had to pay XXXX $ instead of XXXX. Then today I look out the window and see the vehicle with my belongings being towed away. There has been billing discrepancies for a while now which led to this situation and this repossession was unwarranted and illegal I believe.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

In XXXX, Dovenmuehle Mortgage company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) overpaid my property taxes by about {$620.00}. I put in a request with my local revenue department to receive a reimbursement check for the overpayment. By the time the reimbursement was processed and sent to Dovenmuehle, my mortgage was transferred to a different mortgage company ( XXXX XXXX ). As of XX/XX/XXXX, my new mortgage company has still not received the check of {$620.00} which Dovenmuehle and my local revenue department have both confirmed Dovenmuehle cashed in XX/XX/XXXX. I have called Dovenmuehle three times, each time waiting on hold for several hours at a time. Dovenmuehle customer service supervisors are unable to resolve this issue which is complicated by the fact that my account has been closed, and they are unable to give me a time frame in which they will resolve this issue. Dovenmuehle is withholding {$620.00} worth of my money.
Consumer complaint received 2022-10-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

On XX/XX/2022, I sent the attached Notice of Error letter to PHH Mortgage Services ( Reverse Serving ) notifying it of erroneous applications of credits to the borrower 's loan account. PHH has totally ignored the Notice of Error letter even though its signed the USPS Certified Mail " Green Card. '' It never sent written acknowledgement of the XXXX letter as required by 12 CFR 1024.35 within five days of receipt of the XXXX XXXXNor has PHH ever responded on the merits to the XXXX letter. Nor has PHH taken any apparent steps to investigate and correct the errors itemized in the XX/XX/2022 Notice of Error letter.
Consumer complaint received 2022-09-17
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. (TN)

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC (TX)

This company is calling a family member of mine XXXX on her cell XXXX and her home XXXX. She has only been in her home for XXXX years. They are skip tracing and calling her illegally asking for me. She is XXXX a XXXX and has health issues. She says they called her several times. She also told me they adviced her they would be calling my place of employment if I did not contact them immediately. She just told me about this on XX/XX/2016. The number they are calling her from is XXXX. I called them at XXXX pm on XX/XX/2016 a lady answered I asked her for the name of the company she stated Recovery Solutions I told her my name and adviced her to stop calling my cousins number who is XXXX. I provided her cell phone number to her and asked her to remove it. Than I asked her why they were calling on old debt more than XXXX She stated it was from a check company they were filing paperwork for a warrant which is false information to intimidate people. I asked for her name she hung up on me. I called the number back XXXX times she answer than hung up. I waited a few minutes called again a man answered I asked for his name XXXX XXXX. I asked for the ladies name I just spoke to and advised him she hung up on me. He put me on hold after XXXX minutes the call disconnected. I know he had trans me to her she hung up again. I want for me and my cousin to be compensated for every time they called her cell number and home number and harrassed her and for providing false threatening information used to intimidate. That lady needs to lose her job whoever she is.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (CO)

I recently applied for a job, and as part of that application process First Advantage conducted a background check on behalf of the company I applied to. 

First Advantage contacted my previous employers to verify my work history, and one of my previous employers reported that I was terminated for cause. However, I was not terminated by that employer for any reason, I voluntarily resigned. 

I initiated a dispute with First Advantage, and provided them with a copy of an email I received from the former employer acknowledging and accepting my resignation. First Advantage re-opened the background check, but then closed it again without taking any action whatsoever to further investigate, and continues to report that I was terminated for cause.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding TransUnion 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from TransUnion for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per Transunion File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and Transunion was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE 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 2022-12-06
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: ALLY FINANCIAL INC. (CT)

I did not authorize or apply for anything from Ally Financial I called them and they also acknowledged that I did not apply this company is on my credit report not once but twice.. why would a person reapply at a place if they were denied once already it is clearly a error
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year i found out that i was a victim of identity theft. Just recently i found out that my old roommate XXXX XXXX used my information to obtain 2 auto loans from XXXX XXXX XXXX. I need these 2 fraud accounts to be removed from my credit