davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (TX)

What happened : On ( XX/XX/XXXX ), I Spoke with a supervisor regarding my insurance. I explained that I was able to find a lower insurance premium that I would like to purchase. This insurance needs to be purchased directly from us. We were told that he would allow us to purchase this insurance but we needed to complete a form so they could approve it. We ask if we could go ahead and purchase this policy because it is only valid for that day. He gave us permission to purchase this policy. Now we received an email communication stating the removal of the insurance from escrow was declined. We already spoke on the phone regarding the 80 % XXXX  from initial purchase. He said he would approve it for the exception of the insurance but not the property tax. 
We agreed and he said he would send us the form and we could go ahead and purchase the insurance that day. I asked several times to make sure we were clear about the decision to purchase the insurance. There is a recording of the conversation. 
I feel I was misled, and wrongly informed to go ahead and proceed to buy the insurance. 
In XXXX, Valon was late in paying my property tax, and XXXX XXXX kept contacting us and sending us notice with late penalty fees. We had stress during this time caused by this issue. In my experience the idea behind an escrow account is to eliminate these issues from the customer. However, this was a very stressful event for my husband and myself. I still have the letters from XXXX XXXX stating that our payment has not been received. We were very upset, and nothing was done in return to make up for this stressful event that was clearly Valons fault. The only thing we received was an apology.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (KY)

I sold a XXXX XXXX on XXXX on XX/XX/2021. Order number XXXX. There was a claim filed by the user who stated they didn't receive the item on XX/XX/2021. A case was opened on XX/XX/XXXX by me and closed the same date. Case id number XXXX. I appealed the decision on XX/XX/2021 and the appeal was closed by XXXX. XXXX refunded the user and charged me with a debt of {$800.00}. They have banned my account and I have tried to appeal the decision showing them proof of messages I have had with the user and the address the supposed user wanted me to mail the item to. Now I am receiving calls daily multiple times a day from CBE Companies debt collection agency. It hasn't shown in my credit report and I haven't received anything in writing by the company. I want to dispute this debt because I was scammed by a XXXX user to send my item to the wrong address and XXXX is holding me accountable instead of the scammer.
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

I received an email from a credit monitoring company asking me if I had closed my JPM HL account which is my Chase Bank Home Loan account. I received this email on XX/XX/XXXX. Unaware of the situation, I logged into my chase.com account and saw that Chase Bank had " Service Transfer '' dated XX/XX/XXXX under my home loan tab. Chase Bank has yet to notify me of my new lender they so hastily sold my home loan to and they messed up my escrow account in this process as well. Instead of refunding me the extra money in my escrow after paying off my taxes that were due in XX/XX/XXXX, Chase Bank applied the extra escrow money to my principal which is not what was outlined in our contract. I, the consumer, should have been refunded the remaining amount of my escrow so I could continue to pay for my home owners insurance since Chase Bank is no longer obligated. Now that money is paid into the total balance of my home loan and I have to come up with the large sum of money for my homeowners insurance company. Chase Bank is also cutting this timeline close to my mortgage payment due date and I might not have time to setup my account with the new lender before the mortgage payment is due, because of Chase Banks poor timing decision. I know for a fact that I am not going to get the paperwork regarding the new lender and other necessary information beyond the 15 day limitation. I have never been a day late or a penny short for all of the time I have had this home loan with Chase Bank. I have no idea who my new lender is, what the expectations are or anything of the sort. Its almost XXXX and they are supposedly sending the new documentation by postal service instead of an email. Electronic mail is the same as mail in its concept and should be utilized in these circumstances so consumers are not left in the dark for span of time.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NC)

I have communicated with Diversified Consultants several times regarding a bill I may owe to XXXX from several years ago. I have asked them numerous times to send me documentation about this bill and all they keep telling me is it was already sent out. I need to see this bill. I did have XXXX years ago, and thought there wasn't anything owed. After initially speaking with them thought about it I wanted docs showing where I owe it. All I would like is Documentation on this bill and for some reason can not get it. 
And on top of that, they listed my open date as XX/XX/2018 which is a lie.
Consumer complaint received 2023-05-11
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. (GA)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-27
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)

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. 
these items are erroneous and misleading and must be investigated again. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXXL XXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00}
Consumer complaint received 2023-02-27
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. (RI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT XXXX XXXX XXXX XXXX XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( 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 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NY)

I am refinancing my home mrgt, but my company mrgt called Loan Care are holding up my ability to close and save over {$5000.00} in costs ( mortgage tax ) for no apparent reason. They refuse to sent Payoff Bill so We can closed. They just took over the loan only two months ago front XXXX.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

This is a complaint about XXXX & XXXX 's XXXX credit card through Comenity Bank. 

I paid the card off in full XX/XX/XXXX and went through the instructions on the site to close the account. You send them a message instructing them to close the account. I have records of all my messages. 

I received no response so did the same again XX/XX/XXXX. 

I then called them and was told my account was closed. 

Then on XX/XX/XXXX I received a notification of a {$6.00} fee so I messaged saying my account had been closed so I wouldn't be paying a {$6.00} fee please correct your mistake and close my account like you'd said you would XX/XX/XXXX. 

Then this week my credit score dropped XXXX because they in fact had not closed my account and had been charging these {$6.00} late fees on a {$2.00} interest fee that had not been disclosed to me. I called them up just now and paid the {$2.00} interest fee and have been told the other fees are being waived and my account closed. 

I don't know whether to trust that, but also how do I get compensated for my credit score unfairly dropping? It feels intentional that they just don't close your account and let the fees keep piling up. 

Thanks for your time. 

XXXX XXXX
Consumer complaint received 2023-02-27
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. (CA)

Consider this a follow-up complaint to ensure that one erroneous account must be investigated for its misleading report in my credit report. I have already sent a complaint previously and I am including this account again. Please verify this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Consumer complaint received 2023-02-27
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. (NY)

I have never been late with a payment and I have a bunch of late payments I need removed I also gave 19 inquiries and I dont remember the last time I applied for credit
Consumer complaint received 2023-02-27
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. (OH)

I recently received a copy of my ( XXXX, XXXX, Transunion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( SELF XXXX XXXX  ) Making the report is NOT INCLUDED ON MY Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report! 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX  XXXX XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to report an incident of potential identity theft involving Midland Credit Management. As per the Fair Debt Collection Practices Act ( FDCPA ) section 1692g, I requested validation of an alleged debt from Midland Credit Management. Despite providing them with XXXX opportunities and a grace period of 60 days to comply, they failed to fulfill their legal obligation. 

On XX/XX/XXXX, I initially contacted Midland Credit Management to request validation of the alleged debt, pursuant to my rights under the FDCPA. Subsequently, on XX/XX/XXXX, I sent a follow-up request to ensure ample time for them to provide the required validation. 


However, instead of validating the alleged debt as mandated by law, Midland Credit Management merely verified my own information and the information of the original creditor. This incomplete response does not fulfill their obligation to validate the alleged debt. 

It is important to note that by failing to validate the alleged debt, Midland Credit Management is not only violating the FDCPA section 1692g but is also potentially in violation of other pertinent laws such as 15 U.S. Code 1681 q ( Fair Credit Reporting Act ) and 18 U.S. Code 1028A ( Identity Theft and Assumption Deterrence Act of 1998 ). 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Midland Credit Management for their failure to comply with federal consumer protection laws.
Consumer complaint received 2023-05-11
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: CLGF Holdco 1, LLC (MI)

The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/23 and my second letter to XX/XX/23.
Consumer complaint received 2023-02-27
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. (AZ)

This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : XXXX ( XXXX ) Equifax ( XXXX ) XXXX ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX  This account was open without my consent and is a result of fraudulent. Remove this account.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AR)

I got an American Express Business gold rewards card with XXXX miles if i Spent XXXX dollars within 3 months. About a month in I had spent {$4000.00} dollars and my accounts were all suspended for a financial review. I was very prompt sending in all of the required documents and the financial review ended up still taking over two months due to the account manager taking a 2 week vacation in the middle of the review, without telling me. During these 2 months, the deadline to spend the {$5000.00} dollars passed. American express made it impossible for me to spend to money in order to earn the bonus. Getting the bonus was a huge decision in me choosing american express, and they suspended my account during most of the time in which I could meet the spending requirement. I filed a complaint with them but they are not doing anything. Since my account has been available for use again, I have met the {$5000.00} spending requirement, but have still not received the XXXX american express my rewards points. My spending deadline was XXXX XXXX, 2016. My account was put into financial review and frozen on XXXX XXXX, 2016. My account was unfrozen on XXXX XXXX, 2016.
Consumer complaint received 2023-12-04
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-02-27
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. (CO)

This is my 7th 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 XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2023-02-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : US BKPT CT NC XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Address Error : Never my address XXXX XXXX XXXX XXXX XXXX NC 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 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 2023-02-27
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. (NY)

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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
Consumer complaint received 2023-02-27
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. (RI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-02-27
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. (FL)

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.