davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION (CT)

Re : Misappropriate mortgage payments Mortgage Loan Number : XXXX I am writing to request investigation and correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have previously and historically been allowed to submit bi-weekly automatic payments for the mortgage on the above property since XXXX. The mortgage document I signed did not have any constraints on how payments should be made. During the loan tenure with the prior lenders, XXXX XXXX  and then XXXX XXXX the {$600.00} bi-weekly payments were received and applied as intended without error and without late fees. The issue prompting this letter started from the moment M & T Bank gained custody of my loan in XX/XX/XXXX. Even though the schedule of the payments has stayed the same, there have been monthly harassing calls from M & T Bank incorrectly stating that payments were missed, and the loan needed to be brought up to date. In these calls, I have expressed that I send {$1200.00} a month for a mortgage that is {$920.00} a month. And, I have asked them these questions : How are payments being missed? Why am I being charged late fees? Subsequently, am I being charged additional interests on the loan principle? 

To date, these questions have not been answered. I feel that errors are being made at my expense and that my funds are being misappropriated. I would like for my payments to be investigated and for any errors found to be corrected. If funds are going to be returned, I want them applied to the principle. 

Please note that this letter is also being sent to the following entities : M & T Bank, XXXX XXXX, Consumer Financial Protection Bureau, State of Connecticut Department of Banking, and Connecticut Senator XXXX XXXX. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-07-07
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)

i have been a victim of identity theft in the past. My information has been involved in a recent data Breach. These new inquiries were not authorized by me and i demand the removal of these accounts. I am alleging that a person or company without authorization from unauthorized use of my social security number and card used my personal info to apply for goods, services or money. I Have no knowledge of these inquires and need them removed from my account immediately because it is hurting my chances of receiving a mortgage.. Inquires that were not authorized are -XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC (CA)

Someone called from XXXX to my best friends phone ( the same number I provided on the previous page ) and stated MY name on her voicemail and that it was regarding a transaction I approved, and that her " output will determine the outcome of this serious matter '' -- he is walking a very fine line, I don't know what the calls about as I recently had XXXX and have a lot of debt now but the language is definitely deceiving and appears to be against UDAAP standards. The callers phone number was XXXX extension was XXXX name is XXXX, states he was calling from Alliant Capitol Management, a company I have never heard of. I can assure you that nothing she says will determine ANYTHING and this was a false and deceptive statement ( coercive ) to an unauthorized 3rd party-and I have never authorized any transactions by that company, that was a lie. The phone number provided for a return call is not the same number on their website.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/XXXX, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. ***I have attached documentation to support the *first* mailed notice was **sent XXXX ( the court docs uploaded even reflect the mail was UNDELIVERABLE** ) as well as a copy of the energy bill associated with the address I was living at as of XX/XX/XXXX and the notice to vacate the unit I was residing at, at that time reflecting XX/XX/XXXX. If you actually completed your due diligence and reviewed the documentation supplied - it would become apparent it is impossible for me to have resided in Ohio to receive the notice considering I was a legal resident of SC. I also attached a copy of my SC drivers license that clearly reflects an issue date of XX/XX/XXXX. It is therefore impossible for me to have received a notice delivered to the referenced address XX/XX/XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am composing this letter to request the elimination and exclusion of the specified accounts and associated information from my consumer report. The accounts and details listed below should not be present in my consumer report, as their inclusion constitutes a clear breach of both the FDCPA and FCRA. I urge you to promptly take action to delete and expunge this information from my consumer report, as it is in violation of numerous legal regulations. Please proceed with the removal of these accounts and information without any delay.
Consumer complaint received 2024-10-01
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: Affirm Holdings, Inc (MD)

I filed a dispute with the credit bureaus regarding errors related to accounts from Affirm Inc, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Despite my requests for documentation to verify the accuracy of these accounts, the investigations did not resolve the errors, and the derogatory marks remain on my report. These accounts are reported inaccurately, and I believe some of the balances, statuses, or ownership details are incorrect. My credit scores have been negatively impacted, with current scores as follows : XXXX : XXXX, XXXX : XXXX, XXXX : XXXX. I have requested verification and correction of these accounts, but no satisfactory resolution has been provided
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to 15 U.S. Code 1681 ( b ) 2 this is my statement that all of the account inquiries have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These account inquiries are not related to any transactions made by me, the consumer. 

Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC (WA)

The home was purchased in XXXX and Cross Country was the mortgage company that is carrying our VA loan. Starting in XXXX, my wife became XXXX and unable to work from a work place injury and as a result our household income dropped significantly. I had contact Cross Country on numerous occasions to see what help could be provided and they said there would be an application process that would take 45 days or longer, so rather than wait and become further in the arrears on payments, I took out a 401k loan in XXXX and again in XXXX to pay the entire arrears balance in full, but Cross Country continued to add fees, such as late fees and most recently, they were given 3 payments on separate days in XX/XX/XXXX and they did not reconcile their payments received and attempted to debit our bank account for a fourth payment when there was no fourth payment because the account only required 3 to make it whole and current, so another NSF was added to our account. The total of all of this is over XXXX dollars in fees. I'm a XXXX veteran who is trying to ensure my payments are made on my home and this is what the mortgage company chooses to do to me.
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-26
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: Spring Oaks Capital, LLC (TX)

Spring Oaks Capital is in violation of the FDCPA for fraudulently furnishing information to the credit reporting agencies. The account SPRINGOAKCAP XXXX is to be removed from my credit report. I contacted the original creditor, XXXX XXXX, Funding, and they stated that this account was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Furthermore, the balance being reported is not the balance that was given to me by the original creditor. I have since contacted the correct collection agency to enter a payment plan. I am not only requesting the removal of the aforementioned account due to illegal and false reporting ; I am requesting a payment in the amount that is being reported on my credit report {$1100.00}. I have attached the company 's response to my CFPB complaint to show that they have named XXXX XXXX as the correct authority of this account. I am demanding Spring Oaks Capital to cease and desist. Please advise how the payment will be made. If there are no payment arrangements within 7 days, I will be moving forward with legal action. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I have not interacted with the company but the debt is showing it as a recent debt and i know its been longer than 7 months since i became delinquent, its been 5 years. they are wanting {$770.00} and i was only suppose to pay {$440.00} $ but it went up to {$770.00}. 
I havent had any contact with " XXXX '' But it seems the info is incorrect. Im looking for some kind of help to see if this matter can be resolved?
Consumer complaint received 2023-09-11
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. (NY)

I am not liable for this debt with ( ORIGINAL CREDITOR ) XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. i do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 

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 They Have 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I urgently request the removal of a hard inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. I want to emphasize that I did not apply for credit or authorize any entity to make an inquiry into my credit history on the aforementioned date. This unauthorized inquiry is inaccurate and is negatively impacting my credit score.
Consumer complaint received 2023-09-11
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. (CO)

XXXX XXXX XXXX XXXX XXXX inaccurately reported late payments from XX/XX/XXXX & XX/XX/XXXX. 
Neither payment was late and inaccurately reported XXXX claimed to have sided in my favor stating I was correct the payments were never late. Only reported XX/XX/XXXX & XX/XX/XXXX as late. NONE OF THE MONTHS WERE LATE!!! XXXX continues to FALSE REPORt inaccurate information for TWO years Ive been disputing this.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-15
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. (MO)

I recently disputed the accuracy of the information contained in my credit report regarding the accounts below, and to inform you that you are in violation of my rights under 15 U.S. Code 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies. your agency has failed to provide me with the required notice of the results of any investigation that may have been conducted, as well as any corrections made to my credit report as a result of the investigation. This lack of communication from your agency has made it impossible for me to fully understand the accuracy of my credit report and has caused me significant frustration and financial harm. Under 15 U.S. Code 1681s 2, credit reporting agencies are required to follow certain procedures when reporting information about consumers. The following accounts in this dispute letter attached to this complaint must be deleted.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax and XXXX is reporting a account from XXXXXXXX XXXX that i do not recognize this company has been reporting as a collection on my credit report but when i asked for the original purchase agreement to prove i owe this money i never received a response back. i ask that this account be removed they are in violation of the fair credit reporting act reporting inaccurate information on my credit report
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted transunion numerous times about removing inaccurate information and went on to question how they verified the information. The lady said XXXX consumer report and I let her know that there has been a credit freeze and that there was no way she verified thru them. Then she changed it and said they verify thru the bankrupcy court which I confirmed with the courthouse that it was false as well. Ive been getting the run around about removing addresses and phone numbers that never belong to me as well.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I made two card - Hilton Honors American Express Card/Hilton Honors American Express Surpass Card with the introductory offer of XXXX point when spending {$2000.00} during 6 month of opening. I spent more than {$4000.00} for express card and I was not able to get the intro offer that I was promised. I even contacted a representative on XX/XX/XXXX to confirm my offer and the representative told me that I have introductory offer that I know of. This is a copt of message that I received from representative And for the Hilton Honors Card can earn XXXX Hilton Honors Bonus Points after {$2000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. I am attaching screenshot. 

Later after I spent all the money I was not able to receive the offer and when I talked to representative they told me I did not have the offer. 


I was mad and I canceled the card from amex but I am hoping that I can get this resolved.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX to XX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods ofXX/XX/XXXX thru XX/XX/XXXX. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.