davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that 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. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$170.00} - XXXX OF ED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my report.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Inaccurate information is being reported on the report by XXXX and my information was shared with a third party more than 4 times with out my consent or authorization it is a violation of privacy and it violates my right to fair credit report XXXX XXXX XXXX XXXX that I know nothing about inquiries that I don't know anything about i didn't give permission for anything to be shared with any other companies at all they never asked me my consent collections I know nothing about I really would like to be compensated for it and for it to be corrected if possible thanks
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

During the time period of XX/XX/XXXX - XX/XX/XXXX, there have been rebuttals from me and my mortgage company, NewRez. These people insist on thinking they are right when it comes to calculating my escrow. I have had issues with NewRez messing up my escrow account. There is no way my escrow account should have such a tremendous shortage. NewRez 's shady dealings have caused my mortgage payment to balloon up to {$650.00} from {$460.00}. 

These people are trying their best to cause me financial stress. I am already dealing with having to have condo insurance and paying a high maintenance fee. I will not allow these people to drain my bank account. Also, NewRez is accusing me of missing payments, which is not true. They are upset because I won't pay the {$650.00}. I refuse to pay this amount. I have been making my old mortgage payment in the amount of {$460.00}. What I have been doing is paying additional monies towards my mortgage whenever I have extra money. There are other bills that have to be paid, as well as me trying to buy groceries. 

I have enrolled in a debt consolidation program to pay off certain debts in order to get my credit back on track. I am desperately working hard at getting back good credit because I want to refinance just to get away from NewRez. These people have done nothing but cause me heartache. Does your office know of any escrow attorneys? There are too many issues with NewRez. I have lived in my condo for a little over 20 years, and I've never had these serious problems until my mortgage was sold to this God-forsaken company. Some investigation needs to be done because something is not right. 

On XX/XX/XXXX, I received an email from XXXX, informing me that the case was closed due to no resolutions being made. Attached is proof of the paperwork that shows that something is not right about what NewRez is doing. Please see what you can do for me. I am stressed out! Thank you for your time.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX XXXXFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX XXXXFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (CA)

On XX/XX/2023, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX  at the XXXX XXXX website and I paid the amount of {$1500.00} and I paid the item through XXXX-a creditor which offers virtual loan for items being sold at stores where they accept it. Affirm offered XXXX equal monthly installment payment of {$150.00} and I was charged {$150.00} on XX/XX/2023 and the second payment of {$150.00} on XX/XX/2023 while my return is being processed. When I received the item I did not like it and opted to return the designer watch and I returned the item on XX/XX/2023 to XXXX located at the XXXX XXXX XXXX  , I was issued an acknowledgment receipt by XXXX  with tracking number XXXX. I notified Affirm of the return so they can halt charging my account. Apparently, the item I returned was stolen or lost in transit which I learned through the Customer Service of XXXX. I opened a case on the lost or stolen returned item and notified XXXX XXXX and spoke with XXXX and she also opened a case to recover the amount of the watch lost or stolen in transit. Affirm is harassing me to pay the item which I returned and would not want to refund my XXXX payments. It also reported me to XXXX which affected my credit score.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Hello Here, I am writing here asking for help with a recent case that happened with my disputing a change from United Airline to my Chase account. 

I made a purchase through XXXX  for one ticket ( ticket A ) for my mother on XX/XX/2021, and because of the COVID situation, we adjusted the flight date several times on XXXX XXXX, XXXX, XX/XX/2021 with several additional charge transections. On XX/XX/2021, I brought another ticket ( ticket B ) for my wife so she can fly with my mother. 

On XX/XX/XXXX, we decided to upgrade the two ticket, so there is an additional charge with the upgrade. However, because ticket A and ticket B has different original value ( meaning we payed more for ticket A to start with ), the two tickets should be changed different amount when upgrade. The ticket A has an original value of {$4700.00}, and ticket B has an original value of {$4100.00}. When we upgrade the ticket to a value of {$5100.00}, ticket A should be changed for {$440.00} and ticket B should be charged {$1000.00}. This is correctly reflected on our receipt from XXXX ( attachment 1 ). However, XXXX  has incorrectly charged me two times of {$1000.00}, whereas one of the charge should be {$440.00}. 

I have communicated this issue with Chase. But chase decided not to return my money with a letter did not explain why ( attachment 2 ). I am writing to ask for your help regarding this issue, and looking for suggestions. My email address are XXXX if you need to contact me for additional information. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2021-12-20
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. (TX)

I have had identity theft in the past. I have submitted a report to the federal trade commission with recent report number XXXX which I have attached a copy of for your reference. I have requested unauthorized credit inquiries to be removed from my credit reports and the only credit bureau that is not removing them is Equifax. I have sent many letters over the period of one year and included the ID Theft Report which should be enough and the other bureaus XXXX and XXXX have complied and removed the unauthorized inquiries, however Equifax has not. I have a right to an accurate credit file and this in unacceptable. The following inquires were not authorized by me and I did not apply in person or online for lines of credit with these companies ; XXXX XXXX ( I have not step foot in this car dealership or applied online or in any other way! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not even know who XXXX XXXX is or XXXX XXXX
Consumer complaint received 2023-08-12
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: TD BANK US HOLDING COMPANY (TN)

In 2015, I XXXX XXXX entered Into a consumer credit transaction TD/Bank Usa which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this TD/Bank Usa has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX XXXX 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
Consumer complaint received 2023-08-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

On XX/XX/2023 Hayt Hayt & Landau P.L. fraudulently began receiving 25 % of my employment pay from my employer, XXXX XXXX. I never received notification from Hayt Hayt & Landau P.L. of a Garnishment, nor was I served paperwork, or a letter to appear in court, that I was being sued for a debt. Hayt Hayt & Landau P.L. also has sent inaccurate information to the credit agencies causing me to be denied for a home.

Hayt Hayt & Landau P.L. received a Debt Validation letter from me, ( CERTIFIED ), and I have not received a response from them as of today.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

When I log in to my target red card account ending on XXXX it redirects me to a old account target red card account ended in XXXX. I've called many times asking why the closed account is still accessible and why it redirects my from a active account I've called many times once they hung up on me or redirected me to collections. 
I received no bill before my due date, everytime I try to log in I have to change my password, I had to pay over the phone or at least I thought I did but it didn't go through and put a negitive mark on my credit report.. 

I will not set up auto pay because of the closed account ended in XXXX is still accessible. 

this has been going every months for over a year. I finely filed a report with the XXXX  and now you. 

I just want to access my account ending in XXXX and pay my bill..
Consumer complaint received 2023-03-09
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I got a home loan from XXXX, that later became chase, and now Select Portfolio Services in UT. Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Approx. 2 years ago, my loan went from 3.5 % to 4.125 %, I called up and spoke to a supervisor. I informed them that when I got this loan from XXXX, they told me the most it can go up in a year is .50 %, she told me no it can go up as much as .75 %. 
Now I get a notice showing it's going up 2 % to 7.125 %. I called and spoke with a supervisor, and they were no help at all. 
I informed them that their supervisor at Select Portfolio Services told me the most can increase in a year is .75 %. they didn't care to follow what they told me. 
I saw they have a department to complain, it's a been a week, no one is calling me back, or emailing me at all. 

This is illegal, and I want you to help me fix this, the payment is way to high, and they are taking advantage of probably more than me. 

Thank you XXXX XXXX
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NM)

I began a process to refinance my home with Wells Fargo in early XXXX. My initial contact was with XXXX XXXX XXXX. The first question I asked was, " If my home is on delivered water, will this be a problem? '' She double checked with someone and assured me it was not a problem. Later, XXXX XXXX, the appraiser, assured me this was not a problem. I continued with my application process for two months uploading documents. Later, I dealt with XXXX XXXX. 
The appraisal visit at my home occurred and was submitted in XXXX by the licensed appraiser assigned to me. She had comparable sales and established a value for my home. I continued to submit documentation as requested. 
I submitted my last documentation on XX/XX/XXXX. I inquired with XXXX for an update on XX/XX/XXXX. He said my application was with the underwriter. At no time did anyone say there was a problem with the appraisal. I emailed XXXX again XX/XX/XXXX and heard nothing. I emailed again XX/XX/XXXX and got " out of office ''. I emailed XXXX and heard nothing. I logged in to view my application and it had disappeared. I called XXXX, she informed me that my application could not move forward because there were not comparable property values for my property and a value could not be established. I have in my possession an appraisal done by licensed appraiser XXXX XXXX with 3 comparable properties and a value for my home. I would like to know how the determination was made by Wells Fargo to reject the appraisal of my property by a licensed appraiser chosen by Wells Fargo. What are the qualifications of the individual rejecting the appraisal? How can they make that determination without visiting my home or looking at the comparable properties? Why do I need to pay for an appraisal if someone else is going to make an arbitrary decision and override the appraisal? Finally, once this decision was made, I was not informed and my application and all its documentation just disappeared. I received no phone call or email explanation until I reached out. This level of customer service is very poor. 
I have attached a copy of the appraisal report that Wells Fargo has rejected. 
Thank you.
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 U.S.C 1681 XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXXXXXX XXXX decided to send my account to yet another collection agency : XXXX XXXX XXXX. I submitted a letter to XXXX, to XXXX XXXX XXXX, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to XXXX XXXX XXXX at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. XXXX XXXX XXXX says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get XXXX XXXX XXXX to comply!
Consumer complaint received 2023-02-22
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. (PA)

Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts