davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

US Bank charged my escrow account, {$3600.00} for Wind Insurance without notifying me. This premium was XXXX times the market rate for Wind Insurance. US Bank bought my mortgage from XXXX XXXX Bank knowing that I did not have wind insurance because it was not needed. After receiving threatening letters from them, rather than argue, I purchased wind insurance for an annual premium of {$4600.00}. I obtained the insurance within one week of their " final notice '' to me. XXXX weeks after I obtained coverage they bought retroactive coverage to the day they bought my mortgage until the day I provided coverage, approximately 2 months for {$3600.00} and unilaterally charged my escrow account. This charge is XXXX times market rate for current coverage, let alone past months with no claims. US Bank took approximately XXXX moth to notify me and another month not getting back to me than charged my escrow account without authorization for these XXXX months at a " robbery '' rate. Please see attached my letter to US Bank outlining the time line with supporting documents.
Consumer complaint received 2023-05-23
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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)

THE SUPORTING DOCUMENTATION FOR MY DISPUTE TO SHOWCASE MY CORRECT FULL NAME, ALONG WITH THE CORRECT RESIDENTIAL ADDRESS WHICH IS ON MY DRIVERS LICENSE LIKE MY PERSONAL NAME AS WELL. 

THE SUPPORTING DOCUMENTS BEING UPLOAD IS TO SHOWCASE THE INACCURACY OF YOUR CREDIT REPORT BY REPORTING WRONG ADDRESSES AND NAMES. THE ONLY CURRENT ADDRESS TO SHOWN IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WHICH IS SHOWN ON LICENSE WHICH ALSO INCLUDE THE CORRECT SPELLING OF MY NAME WHICH IS XXXX XXXX XXXX JUST LIKE IS SHOWN ON ALL MY DOCUMENTS ALONG WITH WITH THE INACCURACY OF WRONGFUL ACCOUNTS REPORTING ATTACHED TO UNKNOWN ADDRESS.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Improper use of credit report or have any knowledge of hard inquiries, listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-05-23
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (IL)

I am a victim of identity theft, with my name and personal information being unlawfully used. Unauthorized transactions and inaccuracies on my credit reports compromise my financial security and reputation. Urgent action is needed to investigate and rectify these issues, safeguarding my rights and restoring my financial standing. Unauthorized accounts have been opened using my personal information.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

XX/XX/2023, After talking with a mortgage company representative on the phone, per their instructions, I posted a signed letter + signed form on the mortgage company 's portal requesting closure of my escrow accounts ( taxes/insurance ). 

XX/XX/2023, The mortgage company denied my request with with a response in the portal followed by a formal letter in the mail. They are denying my request because my XXXX is XXXX XXXX or greater. This is an error in their own recordkeeping data. The mortgage company cancelled the XXXX  on my mortgage on XX/XX/2023, because my XXXX is calculated to be less than XXXX XXXX per an appraisal performed by a third party in XX/XX/2023. 
XX/XX/2023, In a subsequent call to the mortgage company , the call center representative noticed that the mortgage company has not removed the XXXX  indicator on my loan- though XXXX  ended XXXX calendar days ago. The XXXX  indicator is still present in their own system on my loan- erroneously -- and they are automatically denying my request to close my escrow accounts. This loan meets every single criteria for escrow closure i.e no late payments, no missed payments, not XXXX, XXXX below XXXX XXXX, etc., etc. 

XX/XX/2023, I have called the mortgage company two times about this issue. I have posted multiple messages on the mortgage company 's portal indicating there is an error in their XXXX calculation. No one from the company will return my call.
Consumer complaint received 2023-03-03
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. (PA)

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. 

Account name : # XXXX XXXX XXXX XXXXXXXX, 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 1681.c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer reporting containing any of the following items of information. Any other adverse item of information, others than records of convictions of crimes which antedates the reports 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Charges for air travel with XXXX XXXX were billed to my account. XXXX was round trip New York to Florida to XXXX XXXX. I did not make those charges and have never used XXXX air. Have never been in Florida or XXXX XXXX. Credit card company ( USAA ) states that merchant has provided evidence that supports that I made the charges but has not provided that information to me despite several requests. There were 3 charges. XX/XX/2022 for {$840.00} and {$920.00}. Neither was reported to me as a possible fraudulent charge by USAA. Customer service at USAA told me that the threshold for notifying me for a possible fraudulent use of my card is {$1000.00} but they have notified me in the past for amounts much less than that. A third on XX/XX/XXXX was for {$1200.00} and was reported to me by USAA that night. I told them it was a fraudulent charge. I also told them that the XXXX charges were fraudulent the next day when I discovered them on my online statement. That credit card has been terminated and new ones issued. I have placed a credit freeze with the three main credit agencies and have filed complaints with my local police department, the FTC, and the Wisconsin XXXX XXXX XXXX XXXX. I have changed passwords on my various financial accounts.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, XXXX did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with XXXX and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and XXXX validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and XXXX stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and XXXX failed to look at the documentation. I reached out to LexisNexis because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my lexisnexis file but fai

led to look at my dispute and remove the inaccurate item. I have attached this dispute to the file as well Just to try it
again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with XXXX online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX XXXX but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and XXXX fails to look at the information
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (MN)

My bank XXXX XXXX XXXX  informed me that I cant use Zelle through XXXX XXXX XXXX  because Zelle has put a permanent restriction on my phone number : ( XXXX ) XXXX and my email address : XXXX, even though, I have never had a Zelle account. I have never used Zelle or had an account with Zelle through any bank or credit union that offer Zelle services. So my phone number or email address shouldnt be restricted and I should be able to register my phone number and email address with Zelle through my participating bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I have been trying to get validation of debt on this account Since  XXXX   2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all  XXXX  credit reporting agencys still no response. This error is making it difficult for me to be approved for credit
Consumer complaint received 2023-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

On XX/XX/2023 I received an email from my federal student loan servicer, EdFinancial, informing me that my loans will be transferred to a new student loan servicing system effective XX/XX/2023. The email stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received an email from EdFinancial informing me that there was a delay in the transfer process, and that it would be happening at a later date. On XX/XX/2023 I received an email from EdFinancial stating that my loans would be transferred to the new servicing system effective XX/XX/2023. They again stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received yet another email that there was a delay in the transfer process, and that it would be happening at a later date. There was no specification as to when that would take place. 
The XXXX emergency relief pause will be ending as of XX/XX/2023, when interest will resume on federal student loans. I have been saving money to make a very large ( over {$32000.00} ) lump-sum payment to EdFinancial before interest resumes. Because I am not currently able to access my account, I am not able to make payments. This means, they plan to charge me interest on an account that I can not view, access, or make payments toward -- which is illegal. After calling their customer service number multiple times today ( XX/XX/2023 ) they told me that I can not make payments at this time because my new account is not yet ready, and they refuse to accept my payment over the phone, or in any other capacity. They will not tell me when my account will be ready, and can not guarantee that my account will be accessible to me by XX/XX/XXXX, and yet plan to charge me regardless, despite the fact that I have money I am begging to pay them. A borrower can not refuse to accept payment and then charge interest on the debt they refuse to accept payment for.
Consumer complaint received 2023-05-23
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. (DE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-03
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. (IN)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2017-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Based on our correspondence and feedback from SPS, We have questions and serious concerns that we need to address in a timely fashion from SPS and alleged Foreclosure Mill, which have change hands several of times. We totally reject to all the alleged responses from SPS. These are the reason why ( A. ) W e was not aware of Foreclosure Sale Postponed on XXXX XXXX, XXXX, We request for proof of discovery, As we know the property can not convert over the note Holder in Due Process. However based on the information on the foreclosure sale, that allegedly took place place on XXXX XXXX, XXXX. We also requested the law firm to provide proof of evidence from the Auctioneer and the courts for proof of presale and new purchase deed showing on record as new instrument. ( B ). Based on Preditory lending towards XXXX XXXX, which the loan was diflated libor rate and so since the alleged loan was transfer to XXXX XXXX XXXX/SPS Allegedly amount owed was part of preditory lending, that SPS company pursue and is now denying any activity in response to this matter. We reject to SPS claim and merit and there false allegation. However as far as we concern, the Attorney Foreclosure Law firm is in violation of the FDPCA. as debt collector and purchasing our property for gain, which falls under theft by Deception and Ultra Vires.This case is still valid due to the fact, SPS is acting now as a pretender lender, that is facing lawsuits in preditory and truth n lending, Dodd Frank. ( C. ) Returned of previous payments needs to be address, based on SPS is the third party debt collector with no license in the state of Maryland as a debt collector.Which clearly is not the Holder in Due Process, also in violation of the FDPCA against all parties /substitute Trustees/Attorney 's. Therefore all payments must be returned and foreclosure must be vacated until this thorough investigation is fully disclosed to satisfaction. ( D ). Based on Servicing Rights, which clearly does not give SPS authority to act in the position as Servicer to this property. Based on the documents receive from SPS showing the documents dedacted inlegible. Based on my credit information, the loan was paid offand discharged thru the Bankruptcy since XX/XX/XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma (CA)

I submitted a complaint to this company with the CFPB that they promised me a XXXX dollar gift card for applying for a credit card that i was not approved of, they did an investigation and said that i would be receiving a gift card within 60 days and up until this point i still have not received the XXXX dollar gift card. Uploaded the previous complaint.
Consumer complaint received 2023-05-23
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. (MD)

When I reinvestigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to revalidate 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 accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXXXXXX XXXX Balance : {$3500.00}