davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

We contacted the company regarding challenges with escrow. We spoke to 3 different Mr Cooper employees regarding the escrow/shortage issue and no one could provide us an answer. We are continuingly told different things and reasons. The person we spoke to on XX/XX/XXXX said even though we had a shortage amount it didn't matter if we paid it or not as our payment was not going to change. Our loan # is XXXX. We paid {$3000.00} for the shortage on XX/XX/23. We were told we should not make a payment until the new escrow analysis processing was completed and was told today that nothing would be changed. We feel like we have been robbed and violated. We do not understand the reason Mr. Cooper is being dishonest and your associates are not able to explain anything. The last person literally told us it didn't matter if we paid or not and even though we shared the escrow statement noting the shortage and amount she still stated it did not matter. 

In XXXX we were told we had a shortage of {$1500.00}. We were also getting a less expensive home owners insurance. When we got that they ran another analysis and said we owe {$3900.00} for the shortage. This made no sense. We knew we were paying the insurance reimbursement of {$1400.00} but what was the remainder. We paid {$3000.00} then Mr. Cooper did nothing, We were told it didn't ; manner because our payment was still going up. 

We are hard working people that pay our debts timely without issue. We deserve a response that we can understand. This is our home and the last thing we want to deal with are employees who can't explain to us the issue.
Consumer complaint received 2023-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (CA)

INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. 
Midland funding is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC (MD)

I entered into a predatory car loan with the subject of my complaint GLS Lending, XX/XX/2003. 

A sub-prime lender, Global Lending, knew that certain segments of its population were predicted to have a high likelihood of default. Global Lending exposed borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. 

Global Lending has yet to resolve allegations that they violated consumer protection laws by putting subprime borrowers, like myself into loans that carried a high probability of default- engaging in deceptive servicing practices and actively misled consumers about our rights, and risks of partial payments and loan extensions. 

It is my prayer for relief that restitution from Global Lending to its consumers be imposed after it made unfair, high-risk auto loans to car buyers across Maryland and many other states in addition to monetary relief, like the class action in the XXXX case- we also suggest Global Lending agree to factor future borrowers ability to repay loans into their underwriting as this has tremendously affected my life and credit. Surely more than it has helped me.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (IL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$400.00} ; NAVIENT XXXXBalance : {$16000.00} ; NAVIENT XXXX Balance : {$5600.00} XXXX NAVIENT XXXX Balance : {$110000.00} ; NAVIENT XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$120.00}.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (IL)

I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. According to my credit report, there are numerous inquiries from various institutions, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. 

I have thoroughly reviewed my credit history and can confirm that I did not initiate or authorize any of these inquiries. As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. 

Therefore, I kindly request that Experian promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. I also request that you remove these inquiries from my credit report if they are found to be unauthorized. 

Additionally, I would appreciate it if you could provide me with a free copy of my updated credit report after the investigation is complete, as mandated by the FCRA. 

I understand that under the FCRA, you must complete your investigation within 30 days of receiving my dispute letter. I expect to receive a written response from Experian regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.
Consumer complaint received 2022-12-08
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: MOHELA (PA)

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Consumer complaint received 2022-12-09
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: WAKEFIELD & ASSOCIATES, INC. (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. 

I received a bill from WAKEFIELD AND ASSOCI and as allowable under the Fair Debt Collections Practices Act. I am requesting validation of the alleged debt. I am aware that there is debt from WAKEFIELD AND ASSOCI but I am unaware of the amount due and this bill does not include a detailed breakdown of any fees, and I do not recognized who this is affiliated with.

Furthermore, I am allowed under the HIPPA law ( Health Insurance Portablity and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to an unknown provider for them to release my medical information to a third party. I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patients authorization.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (OH)

This Company placed a collection on my account that resulted from identity theft. 

I wrote to this company and let them know that I was incarcerated and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

4 months ago I order few items from this company call affirm the payment method was monthly instalment I provided my debit card so the can take the payment out Till one month later I received notice from XXXX was and updated on my credit report I log on and I see a XXXX points drop which I was shocked I call the company affirm and I ask what happened they said they could take the payment out of my card and I said why u don't call me or email me they don't answer me so I pay of the balance and they supposed to correct my report but the never did
Consumer complaint received 2022-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Its a lot of accounts on my XXXX report that I have no knowledge of and also they are reporting charged off but still show a balance this is hindering my credit worthiness and is compromising my scores please help in the removal of these adverse actions.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (MS)

In XX/XX/XXXX of 2022 we were looking to get new phones for the clinic since our old phones were very old. We contacted XXXX a phone company saying that they would give us new phones for a fee. We paid that. In a week they took our phone number from XXXX XXXX XXXX and left us in the dark. We had no phone line that worked! XXXX didn't inform us that they would take our phone number ( XXXX ). We stated that we didn't want that to happen. Still no phones were working. I had to use my personal cell phone to receive clinic calls which on one at XXXX helped us with. XX/XX/XXXX we asked XXXX XXXX XXXX to port over our phone number ( XXXX ) back. They said it would take a month. XXXX XXXX XXXX offered a cell phone while they worked on getting the phone number ported. XX/XX/XXXX of 2022 they promised to get the phone lines back up and running. That was a lie. I spoke with XXXX XXXX XXXX every day and someone offering broken promises. XXXX rolls around and still no phone lines. We lost so much money due to XXXX and XXXX & XXXX! We eventually turn to a local phone company named XXXX in XXXX, XXXX XXXX we returned the XXXX & XXXX cell phone when we finally got our phones ported to XXXX. XXXX XXXX XXXX and XXXX still claim we owe them money for services we never received. This has put a strain on our business and team.
Consumer complaint received 2023-09-13
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. (NJ)

After looking over a copy of my consumer report recently I've noticed several accounts that's reporting to my report that's unauthorized and in violations of multiple laws. I've mailed XXXX a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me.
Consumer complaint received 2023-09-13
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. (NJ)

My name is 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 2023-09-13
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. (PA)

In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of the FCRA 1681b ( a ) ( 2 ) XXXX XXXX and Experian should remove these accounts as I gave no Permission for my NON PUBLIC PERSONAL INFORMATION to be transported because I did not give anyone Instructions therefore this is violating my PRIVACY RIGHTS so remove these items from my consumer report ( s ). 


Trade - XXXX  XXXX XXXX Trade - XXXX XXXX XXXX XXXX Trade- XXXX XXXX XXXX XXXX Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a Credit Reporting Agency can not furnish an account without my instructions.
Consumer complaint received 2023-03-18
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
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. (NC)

In accordance with the provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. The XXXX XXXX account # XXXX has violated my rights. 
2. The XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. 
I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to get this resolved since 2021 some funds were taken out of my account with out my access from my bank of america account the amount was {$3200.00} i also sent my military ID and my written statement and also gone to a branch of Bank of America to get my account verified, after sending all these documents nothing seem to work.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica (CA)

I opened a checking account, I let their legal department know I had someone robbing my account at other banks, they withdrawn more or less than {$200.00} fraud garnishment child support that had been removed expunged for more than 10 years a spoof.