davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (VA)

XXXX XXXX XXXX is my mortgage servicer, they approached me in early XXXX about a refinance option. 

I refinanced with them to help my family save money. 

In XXXX of XXXX, we put our house on the market. At this time, i am unable to sell my home becuase. 

1. They failed to record the mortgage closing in the correct jurisdiction and I am unable to close on my property as this is a requirement of selling the home. 

At the time of this message, I am in jeopardy of losing the sale of my home due to their inaccuracies and mistakes in the refinancing process.
Consumer complaint received 2022-06-04
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. (NE)

Equifax did not remove the inaccurate information from my credit profile. they claim a proper investigation was was completed but how is that possible if the date of last active is inaccurate, date last reported, payment history and other inaccurate information is in correct. This is ground for removal. Accounts : XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S. Code 1681 section 604 A section 2 The law Cleary states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681 section 611 ( 2 ) ( a ) The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes 15 US Code 1681 section 611 ( 5 ) ( I ) ( ii ) The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I tried using a Bank of America XXXX XXXX prepaid card I had received, but noticed that the card had expired. I logged on to the website listed on the card to see if I could have a replacement card sent to me, only to notice that the transaction history listed a {$80.00} " Expired Card Fee '' ( equal to the full balance of the card ). 

I called in to see if this was a mistake, and it was explained to me that once the card expired, all funds were forfeited to the bank. After escalating the call to a supervisor, I was advised that there was nothing they could do, no matter who I spoke to. I explained that I had never had this kind of experience before with previous cards, and that worse case scenario, I expected maybe to have to pay a replacement fee. Even if this was listed in their Terms & Conditions, this practice seems incredibly deceptive and potentially illegal.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report. 
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD! 
On top of that you still expect me to pay you. 


I need this account closed as paid. As soon as possible
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached and FTC report and a highlighted picture of a XXXX account that is reporting inaccurate information which is a violation of the FCRA and needs to be deleted asap from all three bureaus.
Consumer complaint received 2023-04-19
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$5900.00}, XXXX XXXX XXXX XXXX : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CO)

Hello, I have a XXXX XXXX XXXX XXXX XXXX  and I am supposed to earn 5 XXXX XXXX XXXX  for each dollar spent at XXXX hotels ( please see the first page of the attached document ). 
Unfortunately, Barclay has transferred only 2 points for each dollar spent at Choice hotels ( please see the second and third pages of the attached document ). 
I called the Barclay customer service numerous times to no avail. On XX/XX/2022, I was given the case number XXXX. After several calls, I was given another case number, XXXX. Yet, Ive never got the missing points. Instead, Barkley send me two letters, claiming that additional information is needed, and we were unable to reach you ( please see the fourth and fifth pages of the attached document ). I called customer service after receiving each letter, but they were unable to tell me what information was missing. 
Please help me solve this issue. 
Thank you, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/24 Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed with the IRS. 

On XX/XX/24 an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well. 

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (MN)

I have already contacted the cfpb when the debt was with XXXX  XXXX  and now just received a letter from valor intelligent processing that this inaccurate XXXX bill is back on my credit again and its for even more money that originally stated. The original issue was the invalid creditors didnt even have my accurate info when trying to log in to the online account. Im throroughly flustered with this. This isnt real when I have supposedly two XXXX creditors after me in collections which doesnt makes sense and further proves its invalid. I do know that this is harassment and harassment isnt clearly defined in the cfpb law so if no other course of action is taken but this company or XXXX to fix this I will be forced to go higher in my pursuit.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dynamic Recovery Solutions, LLC (TN)

After reviewing credit report I noticed a collection account contacted the agency they sent out a validation letter I responded within 30 days in writing requesting all information regarding this account received a call one week later from one of the callers I once again asked for account information and was told they did not possess any original contracts documents or proper information about the account and they would request it from the original creditors 7 months later still no proof and its still being reported to the credit reporting agencies I do believe that they are reporting in error and are violations of the FCRA
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MS)

Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Loan
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-15
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION (MS)

I disputed an unathorized transaction with Renasant Bank at the branch in XXXX XXXX, MS back in XXXX or XX/XX/2019. The amount was {$220.00}. The bank gave me a provisional credit and then on XX/XX/19, they took the money back out of my account. 

I did not authorize the transaction and I would like my money back.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Logan Finance Corporation (FL)

I went under contract XX/XX/year> to purchase a house for $ XXXX under an LLC XXXX XXXX business partners. Before going under contract, I inquired about the terms of a loan with Logan Finance Corporation through a loan broker from XXXX XXXX. I explicitly asked if they calculate the XXXX index using short term rental income via XXXX  and was told they do. I was given a rate of 6.624 % with XXXX points ( {$5000.00} ) for a loan of $ XXXX and 25 % down payment. In addition to this loan, I was also getting a loan on a different property that was owned free and clear. 

XXXX week before closing ( closing on XX/XX/XXXX ), my loan officer informed me that the lender, Logan Finance Corporation, was changing the cost because they are using market rent + 15 % and not the short term rental income. This brought the cost up to 6.624 % with XXXX points ( {$15000.00} ). We postponed the closing of the refinance loan until they fixed this. They refused to lower the points but my broker lowered his fee to make up for some of the difference, not all of it. Also, when this happened we pushed the closing date to XX/XX/year> to give me time to deal with the lender. 

I closed on the XXXX loan on XX/XX/year> because we were satisfied with the pricing of the purchase, even though it was higher than what was originally quoted. Then, on XX/XX/year>, I was informed that the lender was forcing us to use an interest only loan at 6.749 % and XXXX points ( {$29000.00} ). We had no choice but to back out of the loan and lose our earnest money deposit. 

We had a rate lock. We were told they used short term rental income to qualify the loan. Neither of these things meant anything. They tried to force us into a more expensive loan and we lost a lot of money because of it.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.
Consumer complaint received 2020-02-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery (TX)

I have been garnished without notification from Immediate Credit Recovery. I notified the company upon the garnishment and informed them that they must notify me within 30 days prior. According to the representative XXXX XXXX, they assumed I received the notifications and therefore to it upon their selves to submit the garnishment. I agreed to set up a rehabilitation plan and updated my information making a small payment but they continue to find differ reasons not to submit while a payment has been made. This process has caused many problems with my finances and Ive tried to work them. But if I had received any notification I would have made arrangements!
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault. 
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX. 
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank. 
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}. 
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.
Consumer complaint received 2022-06-04
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. (MO)

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

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 2022-06-04
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: Bread Financial Holdings, Inc. (CA)

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since 2011. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX. 
Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request. 
Also these are the companies refusing to remove these things from my credit report COMENITYXXXXXXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX  Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since 2011 with the IRS
Consumer complaint received 2020-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.