davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (NJ)

New York Community Bank started to escrow my mortgage payment after almost 20 years of service and not ever  one  late payment because they claim my property taxes were not being paid. I am disputing their claim because my property tax balance was paid twice. The township had to send  NYCB  their check back to them as an over payment check because they already received a check from me. Since then I have been trying to correct their mistake because they are charging me late fees, doubling my payments, and I am receiving harassing and demeaning phone calls also all of the   XXXX   they have caused in my life because I have   XXXX   XXXX   XXXX   I spoke to several agents a t NYCB  since  XXXX   XXXX ,    2017 and I  was lied to several times that I have to send in a payments because my payment of  XXXX  was n't enough to cover the new mortgage payment and late fees of now  XXXX  that was increased  XXXX   XXXX  , 2017 a nd  XXXX  late fee applied. I received a letter from NYCB   XX/XX/XXXX  telli ng me they never received my mortgage payment. I have record they received on  XXXX   XXXX    XXXX  . I received a   XX/XX/XXXX   statement reporting I owe  XXXX , past due amount  XXXX  for a total of  XXXX  and a late fee of  XXXX . I had every agent a t NYCB te ll if I were to send the amount of the escrow to them they would stop the escrow. At the same time I was sending the township tax payment of  XXXX  because the next quarter was due. I was sure this was a scam because I know I was making my payments and they changed the rules of the contract to be able to charge more and make more. I believe they want the house to go into foreclosure because I only ow e 4 mor e years on the mortgage and there is alot of equity they can take. If someone was experiencing even the slightest of financial difficulty they double your payment and add fees. I believe my privacy was breached from this bank and I believe they have broken they debt collection law. They never gave me notification, itemized stamp escrow and Contract of duty. I believe the cause unneeded   XXXX  and  XXXX   in my life. I cant   XXXX   anymore. I am pursuing legal actions for them being responsible for trying to ruin my credit my life and my .character. The tax collectors office told me that this ban k NYCB h as harassed several residents in my township for exact same issues They The over payment check that the township sent back to  NYCB t he second time was over  two thousand  dollars and the first check  NYCB  sent  XXXX   XXXX  was for over  5000.00.  There is proof here that big banks are taking down private residents and taking their homes. It was n't till my conversatio n  XX/XX/XXXX  that any  of the dozen agents from  NYCB as k if my financial situation changed and asked If I need help programs. Please send me all the money they have took from me with the understanding it would stop the escrow.
Consumer complaint received 2023-01-21
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. (MO)

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-15
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. (NJ)

On XXXX  I filed a dispute letter to XXXX, XXXX, and Trans Union requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/ requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XXXX I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/ showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/ at XXXX XXXX XXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter
Consumer complaint received 2023-06-24
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. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$8200.00}.
Consumer complaint received 2023-01-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo reposed my car back in 2015 over 7 years ago and now this year they want to try to sue me for the debt owed after XXXX!!!. Also the sent this information to he irs to seize my funds to get there money after they got there car back. I now owe the irs money because of this. I have never had this happen to me and with them taking this to the irs and say they going to seize my wages and property. I now have a XXXX debt owed to the irs that I can not afford to pay back because of Wells Fargo. Please if someone can get back to me about this. Thanks again
Consumer complaint received 2023-01-07
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1000.00} 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 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

RE : XXXX XXXX XXXXXXXX account opened in XX/XX/XXXX The account status is reporting as XXXX XXXX XXXX XXXX. This account was settled for {$5000.00} CASH on XX/XX/XXXX and there have no late payments since XX/XX/XXXX. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the finance contract and the payment history that proves the account status that is being reported and they have failed to provide any evidence as such. I have attached a copy of my Drivers License, a current utility bill and the bank statement that proves this account was PAID in XX/XX/XXXX and the status should reflect as a PAID account according to the evidence I have provided. If you are unable to gather any other evidence to the contrary of my claim ; then you must update the payment status or delete the account in it's entirety.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TN)

I and my spouse are presently the victims of aggravated identity theft, aggravated cyber, physical stalking initially by XXXX XXXX XXXX/XXXX XXXX. Now we suffer from aggravated cyber/physical stalking by these people and also XXXX  XXXX XXXX of XXXX Tennessee whom took my job ( # XXXX ) after I became permanent. Never reported wrongful termination. Used spouse ( XXXX XXXX ) identification at XXXX XXXX XXXX  store suppressing the taking of my job on XX/XX/XXXX. We were literally ran out of XXXX  by these dangerous criminals!!! Our unemployment insurance accounts were fraudulently cut off as XXXX /XXXX XXXX used a duplicate XXXX checking card ( XXXX ) to forward over {$8000.00} of our unemployment payments to themselves. Regions Bank of XXXX Ga. on XX/XX/XXXX forced us to use an old account opened in XXXX in XXXX Tenn.? We entered that bank seeking to set back up our unemployment accounts ( direct deposit ). We asked the branch manager why we couldn't open up a new account instead of one we didn't have the vital information to. They ignored us. 
In short, Regions Bank account # XXXX belongs to XXXX XXXX and XXXX XXXX XXXX of XXXX Tennessee  whom are practicing bank fraud, aggravated identity theft and aggravated cyber, physical stalking. Regions Bank allowed these criminals access but blocked us. We want this account closed and any compensation due us by Regions Bank!!!
Consumer complaint received 2023-03-10
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)

I have ask the company to do a full review of all information on the account they verified the account information as correct but I have found many different reporting dates in all reports account name XXXX  account # XXXX 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 a account without my written instructions
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted some inaccuracies to all 3 bureau 's and XXXX and XXXX deleted the item but not TransUnion because they said the account was able to be verified. However I see that there is an inaccuracies with the account by calling XXXX XXXX XXXX they won't give me any information regarding this account because they say the names does match. Please help Original creditor:XXXX XXXXXXXX Amount owed {$160.00} Account # XXXX Creditor : XXXX XXXX XXXX I have attached some screenshots of credit report from XXXX and from TransUnion In accordance with the Fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 U. S. C 1681 Section 602 A. States that 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
Consumer complaint received 2022-11-22
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. (MD)

I have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all 3 of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXXXXXX XXXX is on my XXXX report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my XXXX credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security XXXX. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.
Consumer complaint received 2021-02-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (PA)

My divorce has been final and I sent what the court has giving me as the discharge documents which its just the one sheet and doesn't outline what the Mortgage company PHH has said. My Ex may have it but I don't have access to it. Please can you help?
Consumer complaint received 2024-03-26
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. (FL)

Per the FCRA as a federally protected consumer. I am now opting out any and all authorization. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802 I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information Account name XXXX XXXX Account number XXXX to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the XXXX XXXX XXXX XXXX, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-11-28
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. (WA)

XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXXXXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX Acct # XXXX Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX. StatesI have the right to privacy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than XXXX XXXX 
XXXX XXXX XXXX XXXX ( A ) ( XXXX ) 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 2022-11-21
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)

I checked my credit report and noticed a fraudulent credit card opened under my name with coastal credit opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed
Consumer complaint received 2023-05-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

my card number was used on some online website and due to those charges my payments to the card wasnt made because I was not aware of the charges and Bank of America reported payments as late to my credit reports and it is hurting my credit score. 
They have zero liability for unauthorized charges yet I had to pay the full balance to close the account as they were not helping me resolve the problem with the charges that was not made by me The transactions was made in 2021 but I dont have my statements nor access to them online so I dont know exact amount nor date
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (IL)

XX/XX/XXXX Services at XXXX XXXX Hospital XX/XX/XXXX Bill received {$34.00} XX/XX/XXXX Bill paid via check # XXXX XX/XX/XXXX Check processed, verified via bank XX/XX/XXXX Bill again for same services {$34.00} XX/XX/XXXX Called XXXX , spoke to XXXX about bill already paid, said a search would be run XX/XX/XXXX Received notice of Collections for {$91.00} from XXXX XX/XX/XXXX Attempted to call Nationwide spoke to XXXX who could not help