davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/XXXX, I address the fraudulent refinance activities that happened on my mortgage refinance closing with United Community Bank, with your closing attorney XXXX XXXX XXXX ID. # XXXX, XXXX United Community Bank said my account with XXXX XXXX was a XXXX and needed to be paid in full at closing, this lady took a settlement offer that only paid XXXX of what I owed on that account on the day of closing, and she also had documents that XXXX XXXX XXXX the XXXX loan originator that had her remove the XXXX Out of my Name. Should have been XXXX XXXX XXXX and not XXXX XXXX, they had just confirmed this information by email with me with XXXX XXXX XXXX by email on XX/XX/XXXX. You sold my loan and paid XXXX XXXX  on The day of my closing XX/XX/XXXX without my authorization, And sent transfer letters out later that was not sent Prior to loan been transferred to XXXX, and continue to cover-up the fact that you sold the loan on the day of closing. You than added my mortgage loan in some system that would allow you to transfer my loan around with the XXXX XXXX, And my mortgage loan was not in collection, but you added it to a XXXX Company, and changed the terms of my mortgage account without me know about the disclosure information until after the fact. Because you did not give me the right disclosure documents at closing, and XXXX XXXX was not at closing. 
This organization is fraudulent cover-up the fact that my Mortgage loan # XXXX did not exist from XX/XX/XXXX thur XX/XX/XXXX. We RXXXX XXXX XXXX XXXX XXXX realize i was try to refinance they created another mortgage account in my name with a XXXX collection XXXX XXXX XXXX. My XXXXl balance payoff was XXXX I made sure not to sign in this account because of the cover-up that was going on with the mortgage account number # XXXX this one loan is attached to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX this organization have changed my original property XXXX XXXX document, and create a different cancellation recorded document in XXXX XXXX in XXXX, and XXXX XXXX XXXX XXXX attorney XXXX ID # XXXX For XXXX XXXX XXXX XXXX XXXX knew this was a fraudulent mortgage account because investors or getting paid from my property. I have never sold my property, and my loan was always a conventional. I many fact about my mortgage loan and the fact you United Community Bank could not refinance my loan because it had already been paid and sold with misleading documents, im going to name everyone and subpoena everyone that had something to do with Mortgage loan # XXXX, XXXX, XXXX, XXXX, and XXXX case # XXXX I was to settlement pay-off of XXXX
Consumer complaint received 2022-11-22
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and 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 2016-10-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

Nationstar Mortgage assessed late fees and penalties for two months to the mortgage loan although they are authorized to debit the funds from my banking account. They are currently charging me late fees for XX/XX/XXXX when the payment is not due until XXXX/XXXX/16.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

On XX/XX/24, XXXX suddenly doesnt show our Citi savings account. Citi 's XXXX app on my phone ( trusted device ) also logs me out and says to login online. I try to authenticate w/ XXXX  ( i.e., XXXX XXXX XXXX text, phone call, AND email ) on Citi 's website on my computer ( trusted device ). I lock our credit cards in case of malicious activity. 
The site says to call one of 2 phone # s & tell them I have an " XXXX '' issue. I suspect portal compromise & a potential phishingXXXX attack. One # is a foreign advertising service that feels like a scam. The other is a strange man with a fake-sounding Texas accent XXXX so I don't give him any PII. The # on my Citi card reaches a VM saying theyre CLOSED til XXXX XXXX. 
I've received 0 alerts/notifications ( text/call/email ) about account issues. We haven't even withdrawn ; just funded ( w/ saved, trusted accounts ).

I've called daily to verify our money is safe. I was finally told theyre doing an " account review '' that will take " 24 - 48 hrs ''. It's been a week, w/ 0 updates on who is reviewing what for how long or when Ill regain access to our money. Today they said *if* Citi decides to, they'll unblock the account *at some point*. We have a XXXX son, our life here is expensive, and it feels like Citi is trying to steal our life savings. 
They marketed this account to us for months, saying if we quickly add money well get better perks. So, we linked our other banks and rapidly funded the account. Now that weve deposited {$140000.00}, Citi is BLOCKING OUR ACCESS! This is unethical, unconstitutional & ILLEGAL.

In a recent data breach that could have been avoided with simple security measures, Citi PREVENTED customers from thwarting attacks. The NY AG has filed a class action suit against Citi for failing to protect customers & honor fiduciary commitments.

CFPB : Please don't let Citi defraud us ; we can't afford to have our life savings stolen. Thank you for protecting us & holding businesses accountable! 
Citi : Give us our money back NOW!
Consumer complaint received 2023-07-10
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. (NV)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MO)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Kikoff Lending LLC has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. To XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Kikoff Lending LLC it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA 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.

I am hereby requesting all above disclosures required by Federal.

On the Consumer Report : KIKOFF LENDING LLC Account : XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

First of all, they closed all three accounts without notice when they were all in good standing. Now if i am late one day, they are calling me which seems to be every day. I have told them to stop calling my work phone number and gave them another number they could call and it stopped for a while but now they are calling me every day multiple times a day. People get behind and i have told them but nothing sinks in. I have a business to run and they need to stop calling my work number and call the phone number i have provided. Also i keep getting emails to change my address but the online portal wont allow it. I pay my bills just a little late it not like i can go run up a card again. This is starting to feel like harassment. I will never recommend synchrony for as long as i live.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IA)

I have a XXXX  charge card to XXXX XXXX through XXXX Bank. I owed XXXX I lost work due to winter and I could not pay. I asked them to close the account as to which they will not do and have charged me so much interest and late fees due to them not closing the account that I now owe {$340.00}. They keep charging me almost {$100.00} per month in late fees and interest. The limit on the card is only {$200.00} and has not been used for a very long time. I want the account closed and to settle on the amount as I asked them last month.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

My complaint against Mr. Cooper Home Loans is that they routinely block extra principal payments and misapply funds. Here is an example of an extra payment on principal being blocked. Ive made 3 phone calls this month to ask for the funds to be applied appropriately and yesterday I spoke with a supervisor, XXXX who said I should be able to make extra payments now. She coded my account to apply extra funds to the principal. 
On XX/XX/19 I paid my lender paid expense over the phone with a representative walking me through the process on the web site. From their drop down menu, I chose how the funds were to be applied specifically to the Lender Paid Expense account but they STILL misapplied the funds! 
Today I went to pay {$500.00} extra, but their web site is blocking me saying that I have to pay my regular mortgage payment first ( I paid it 4 days ago ). 
I was late on one payment in XXXX, ( first time in years ),  and it took multiple phone calls to get them to apply the {$69.00} to the actual late fee that was over the last few months. 
Last year, they mishandled an Escrow shortage payment, ( which I paid on time ). I spent hours on the phone plus sent multiple emails to get those funds applied correctly.
Consumer complaint received 2024-11-19
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I was moving my currencies out of another company to them because the company I was using services aren't allowed in the XXXX anymore. When I had to change my ID for the XXXX. Coinbase locked my account they said that it was locked due to suspicious activity and requested I give them information on where I was transferring the currencies and where I getting and what I plan to do with it. They said my account expedited for a review. I check back in a couple of day and now they are saying it won't be reviewed until XXXX month from now or after and that they already reviewed it. I have put my write address and ID.
Consumer complaint received 2024-11-17
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-20
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. (IL)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and 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 2024-04-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Fundo LLC (GA)

I received a loan disbursement ( {$800.00} ) less than a week ago on XX/XX/24. An exorbitant amount ( {$110.00} ) was taken without my explicit consent from my checking account on XX/XX/24. I wasnt granted a XXXX  day repayment grace period. This is an industry standard and best practice. It appears as if XXXX paying off a loan with the original loan amount disbursed. I havent had time to use the loan funds yet. The early payoff policy isnt transparent. 

I do not want XXXX having access to my account under coercive and predatory terms. The loan repayment terms are redundant. Theyre due before funds are adequately disbursed. XXXX under these terms would bankrupt an individual. XXXX fees and interest are too hefty! Their business practices are unpractical!
Consumer complaint received 2024-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have a complaint about my Bank of America mortgage. Bottom line, they canceled my autopay, then repeatedly charged me late fees and then made it impossible to reinstate the autopay. Furthermore, they said they reinstate autopay until the payment is coming from a BOA account. 

I had auto pay set up my mortgage for ten years. The bank in XX/XX/XXXX changed my escrow amount and then canceled my autopay in junk mail from XXXX XXXX, XXXX. Subsequently, my mortgage went to " past due '' status in XXXX XXXX, XXXX. When I then called to make a payment in XXXX XXXX, they would not reinstate the autopay because the account had been in " past due '' status. They advised me to call back the next time a payment was due to reinstate but this is part of the scam. This happened again in XX/XX/XXXX and XX/XX/XXXX. They hope you will forget so they can charge me another late fee. 

I spoke to customer service representative XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20
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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-11-19
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. (WA)

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX  - XXXX - XX/XX/XXXX - {$4900.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX