davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following 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
Consumer complaint received 2023-02-02
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: Atlanticus Services Corporation (GA)

The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

FORTIVA/XXXX  Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
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. (CA)

It is TRANSUNION 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this whole issue, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simply not true.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

We had XXXX  put in our home through XXXX. A {$0.00} interest for XXXX  years credit card through XXXX. Sounds great right? I have spoken with over a dozen customer service representatives for over 2 months. We made XXXX  months of payments equaling {$1000.00}, which was for XXXX and XXXX. Now every time we make a payment, it fails and is sent back. We now have XXXX payments that have come back and late fees are being added. I have opened a case and have the case # if needed, but Wells Fargo said it was my fault and the case was closed. I called AGAIN and spoke with ANOTHER customer representative and again they are saying to make a payment, I said how, because its just going to come back again. Every single time we give them our account number they say, its not an account. How can this be when you have already accepted XXXX payments from said account. To add to our misery, our mortgage is also through Wells Fargo. They have flawlessly taken our money for XXXX  years now.from the XXXX  account for which we have been trying to use with this new loan. What Im sensing is, since they arent receiving interest of any kind, theyre trying to get money by saying its not an account. I have all documentation that may be needed for your investigation. My final words are, my credit score is over XXXX, why would I miss payments? Please help! Thank you
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: SYNCHRONY FINANCIAL (AL)

Synchrony bank added a XXXX account to my credit report and refuse to remove it. It has affected my credit and credit score. I sent a certified letter ( dated XX/XX/2024 ) to XXXX XXXX, XXXX ; a letter ( dated XX/XX/2024 ) to XXXX XXXX, Office of the President and email ( dated XX/XX/2024 ) to XXXX XXXX, Senior Specialist. They all refused to resolve this issue. XXXX stated that I am not responsible for paying the bill. They want my Social Security number and a copy of my drivers license. They did not have this information when they added the account. Clearly, this is fraudulent intent. Why do they need my sensitive information? Bank have been involved in these illegal activities, example : opening accounts in peoples names without their knowledge.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

In XXXX of XXXX I decided to refinance my mortgage through XXXX. During the closing process, XXXX made an error on my closing paperwork which caused an incorrect amount of tax to be collected and paid their title company. Once the loan was closed, XXXX refused to answer any emails or calls and directed me to their servicer partner, TMS, who took over my loan in XXXX of XXXX. On XX/XX/XXXX of XXXX TMS told me they were transfering my mortgage to XXXX XXXX and not to make any additional payments to them. XXXX XXXX never received my loan from TMS and when I contact TMS to resolve the issue they never answer or call back. I called them by phone on XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX to attempt to resolve the issue but after 1 hr waits each time the line disconnected. I also emailed them on XXXX, XX/XX/XXXX and XXXX but have not heard from anyone. TMS is telling me they have transferred my loan but also to pay them or I will be in default.
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. (NJ)

The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency XXXX XXXX transunion Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my Whitten instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you.

Best regards,
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (LA)

Checkr Background Check XXXX  Showing adverse actions over 7 years old on background reports for employment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disposition Date : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

Commencing on or around XX/XX/year>, I fell for multiple multilayered well orchestrated scams. I had accumulated a significant amount of money and at that time I was approached by XXXX XXXX XXXX, operating under the domain https : //innovationbullcapital.com/root/index.html, with purposes of defrauding their customers of their hard earned funds. I had started off the process with a small deposit, but after much manipulation and bullying I saw no other choice than to inject more funds into the fraudulent platform. As it went on, the more evident it had become. I had stated my wishes to withdraw my funds and they did not XXXX me permission to do so. Instead I had to pay numerous amounts of tax and release fees to get that money out. They never released it. On top of that, I had turned to a company with a specialty in these kinds of matters and was defrauded again. The XXXX company in question is XXXX Scam XXXX, followed by CryptorFX afterwards. It amazes me that my bank, which has input on all of my daily habits and spendings was none the wiser while this entire ordeal occurred. For your failure to protect me I am requesting that all of my XXXX USD deposited to multiple fraudulent individuals be reimbursed to me by Wells Fargo for their negligence and for a lack of a better word blatant misadministration.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NH)

Received letter from PayPal this morning with a charge for {$640.00}, I don't have PayPal account, called number to cancel. they told me there was a XXXX XXXX bank account under my name and it was being used for money laundering. they then patched me through to theFTC. when I asked to call them back to get a phone number they hung up. Now I'm terrified that they have all my account information through a assist client app. 
XXXX XXXX XXXXXXXX Attachments XXXX ( 2 hours ago ) to me We have successfully updated your file with ID XXXX. Please find the detailed PDF attached for your review. 

The items will be delivered to the scheduled address, XXXX XXXX XXXX, XXXX, MN XXXX. 

Consider this email as your formal record for this update. 

Should you have any inquiries or need to make any changes, please reach out to our customer service. 

One attachment Scanned by XXXX This is not me
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (FL)

I have a mortgage that I originated and closed with XXXX XXXX XXXX XXXX 

It was sold to Roundpoint Mortgage Servicing. Loan XXXX XXXX I have been sent mulitple threatening letters regarding force placed insurance. 

Last year they threatened to force place Windstorm coverage. I was not required to have Windstorm coverage with my original mortgage with XXXX. It is my understanding that the new servicing company Roundpoint can not force coverage that was not in place at original time of closing. Please demand that they stop threatening to force place coverage. 

I just rc 'd a letter dated XX/XX/XXXX stating they are going to charge me for lender placed flood insurance to up my coverage on the building from current XXXX XXXX XXXX XXXX XXXX. My coverage is more than was required by " National Flood Insurance Act ''. The premium that they want to charge is an additional {$340.00} annually. The current premium I have for my current policy for XXXX in building coverage is {$810.00} for the year. 
I think they are out of line and also price gouging by charging XXXX for XXXX in additional coverage. 

The letter they sent me states that the current flood insurance policy was cancelled, expired or unacceptable as of XX/XX/XXXX. My coverage was paid for by XXXX XXXX and a copy was sent to Roundpoint as the Mortgagee. The policy period is XXXX XXXX XXXX 

Please contact Roundpoint and let them know they are out of line.
Consumer complaint received 2022-12-08
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$40000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I closed on my home on XX/XX/XXXX. I closed with my employer at the time who was ( XXXX XXXX XXXX ). Approximately 120 days later they made a significant cut in my salary $ XXXX ). Did they know this would be taking place and didn't inform me prior to closing? 

Then in XXXXXXXX XXXX XXXXXXXX I was notified that my property was reassessed for property taxes due to the property changing hands. I knew it may increase but i had no idea it could quadruple. 

I recently was notified by my mortgage servicing company ( Pennymac ) that my escrow account had undergone an escrow shortage analysis. My mortgage payment has increased from {$2700.00} to {$3500.00}. I have to cover the shortage AND pay an additional 20 % padding OR I can come out of pocket $ XXXX + by the end of this month. 

Here is my question... how does any of this satisfy the XXXX? 

If the ability to pay a monthly mortgage obligation includes " expected property taxes ". 

THE KEY WORD BEING " EXPECTED '' See Below : XXXX. Monthly mortgage-related obligations. These obligations include expected property taxes, fees and special assessments imposed by a condominium, cooperative, or homeowners association, ground rent, certain lease payments, and certain insurance premiums and similar charges that are required by the creditor. See 12 CFR 1026.43 ( b ) ( 8 ) and related commentary.

How many other homebuyers has this happened to?
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX 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 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Description 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. 
XXXXXXXX XXXX XXXX  XXXX, : 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 : ,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 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 2017-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I did payment  XXXX  last  spring  but after that since. They supposed to send to me another bill left is {$110.00} balance. I would like to pay off this  XXXX  as soon. Also, I need they send to me bill for Wakefield by   XXXX   XXXX   XXXX     {$170.00} as soon. I can pay off this {$170.00} because my credit score will go up. When I get this both bill then I can pay off. I will be happy. Also, I am trying to look old collect and I can small payment to complete. Please let me know as soon.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please delete or remove these items on my behalf. This is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.