davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

In XXXX I got a notice from my job that they were moving out of state and that I would be laid off in 6 months. I informed my servicer that my income will be changing and submitted my severance letter to them. I applied for a loan modification and was denied. Their representative told me it was because I was not 60 day behind. I asked her if I had to be 60 days behind in order to be approved, I was told yes. I went 60 past due and applied again. I was granted a forbearance not a modification. Then Covid-19 happened. Right when I was hired at a new job in XXXX of XXXX I informed my servicer and made a payment. A week later I was laid off due to Covid-19. I made my servicer aware that I was now laid off due to Covid-19. Again, I was not offered any Covid-19 relief. I asked why and a representative says it's because I was past due in XX/XX/XXXX advised her that I was only behind due to their instruction on how I was going to qualify for a loan modification. I was told I had an unemployment forbearance once that forbearance had expired I was still unemployed due to Covid-19, again I was not given nor offered any type of Covid-19 relief. I was denied repeatedly for a modification and my credit is ruined because they are reporting a year 's worth of non-payments. I wrote them a letter informing them that if not the first forbearance but at least the second and third forbearance should have been under Covid-19. I had to pay XXXX XXXX XXXX for 3 months. I submitted to them the same information I submitted to my servicer. Still I have asked for some one in management to assist me with resolving this issue, I get no response or resolution from them. I believe the way my account was handled was deceptive and unfair collection practices. I was TOLD by my servicer to go 60 delinquent. I have asked them to pull the call they haven't I asked them to pull all my calls to see how I was treated and how my account was just completed disregarded even though I had an legitimate hardship according to their own literature that they sent me. So why was I repeatedly denied? I feel like they just wanted to foreclose on me. I received no assistance, direction or information on how best to keep my account in good standing while experiencing a hardship first due to my job leaving the state and second due to me losing a job because of Covid0-19. They should not be allowed to toy with people 's lively hoods. They threatened the wellbeing and livelihood of me and my special needs son by not taking our hardship seriously and by not trying to find a resolution. They either wanted all money upfront to reinstate the loan or it was going to be foreclosure. I have asked them to retract the months off my credit history and provide me the Covid-19 relief I'm entitled to. My account would have never gone past due if it wasn't for their direction telling me it's the only way they would approve a loan modification.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

My insurance company sent me a check for XXXX of the funds to replace my roof. The mortgage company ( on the phone ) said to mail them the check and they would endorse it and mail it back. I mailed it to them with a tracking number and it is documented on insuranceclaimcheck.com that they received it XX/XX/2023. I called them around XX/XX/XXXX and they said the check for {$5600.00} was {$610.00} over their amount they could send back and they began a " request process '' to request that the entire check be released. I called them again a week ago and they said they could not discuss the check with me and to contact myinsuranceclaimcheck.com. When I contacted them, they claimed the check was mailed back without a tracking number ( after requiring me to mail it overnight with a tracking number ). The check never came and I am getting it reissued from the insurance company and going through this process all over again. My roofers are waiting to start and a month later, I still don't have the check. 

My loan is current, but I was behind when I originally mailed them the check. The attached conversation shows where the mortgage company is holding the check hostage and not releasing funds " due to the status of my loan '' at the time I mailed them the check. 

This is MY insurance policy. I pay the bill. The mortgage company does NOT have the right not hold MY insurance funds. I want EVERYTHING released immediately so I can get my roofers started.
Consumer complaint received 2023-02-28
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a dispute letter to XXXX recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (TX)

XXXX Provided proof of 100 % eligibility from the VA for Tax Exemption XXXX Req tax lines be updated, request payment be adjusted with and overage of escrow funds be mailed to us with proof from the county tax office provided to Truist XXXX XXXX Truist XXXX sent us a letter to acknowledge we are now tax exempt XXXX Spoke to A Tax Supervisor - she said she would have the tax lines corrected, and would notify me once completed XXXX Supervisor left a voicemail message that the tax lines were updated, and would have me call to Escrow to request an new analysis be processed XXXX I called again to Truist Escrow to ensure the tax lines were updated, and a new rep indicated the tax lines were updated and that a new escrow analysis would be completed today. 
XXXX I was told escrow analysis in processed with an overage refund XXXX Another Supervisor called me and gave {$2000.00} with a balance of 4 months cushion retained of {$830.00} which should not be but 2 months cushion held back, XXXX We still have not received an escrow analysis of overage refund check, spoke today to a Rep she indicate no analysis has been processed nor an overage check ever mailed to us, The Website indicates a overage check was mailed on XXXX and a statement has processed, but we have no access to review it not=r have we received it in the mail. This has gone on just shy of 4 days from being a 60 day request to handle our escrow account according to RESPA guidelines and we keep getting another lie each time we speak with Truist. Please help.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (MI)

XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, After I was invited to initiate a consumer credit transaction from NAVY FEDERAL I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld system 's XXXX DE XXXX without any notice put XXXX collection on all three credit beauros. I called them they failed to know much except they bought the debt from original creditor and I was living in XXXX in XX/XX/2016 not on XXXX XXXX in XXXX tx. This is all they could give me. Refused to give me any verified Information about account XXXX. They admitted not having a contract with me and not having proof I gave them consent to have my private information. They were noticed they committed identify theft extorting me for money and harmed me putting it on my credit report without proper notice of me owing them any kind of debt. Basically said pay it or sue us knowing it would cost more than XXXX to sue to get it off my report. Original creditor is supposed to be direct energy and I used first choice on XXXX XXXX never lived on XXXX XXXX. They failed to verify I had lived there as well. Texas statute of limitations says 4 years to collect a debt. I informed them they are breaking statute of limitations they didnt care as well.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-28
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX  XXXX XXXX XXXX XXXX - The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have formerly disputed Bankruptcy account information and ascertain that the data furnisher had permissible purpose for the account to potentially initiate said alleged bankruptcy be it true, or not, valid or not, defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletion of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certified Metro 2 Compliance . Attached below companies Experian response an in red exhibits of unverified, incomplete, inaccurate accounts/ Fair Credit Reporting Act violations 623 ( a ) ( 3 ) - 15 USC 1681c ( a ) ( 1 ) -15 USC 1681b - 15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A )
Consumer complaint received 2022-10-28
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)

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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-10-28
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Consumer complaint received 2021-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

I received an offer from Credit Karma to open a savings account to help improve my credit score. I was informed that if I deposited {$250.00} they would send me a debit card within 7 days which I did and it has been over 2 months. After contacting them multiple times they locked my account and do not have access to my money. All correspondence is through email so I can not contact them in other manner. I am skeptical about their debit and I would like to get my money back.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (GA)

I was originally contacted by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hours of Operation ( CST ) : Mon-Fri XXXX - XXXX, Sat XXXX - XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX about a debt with XXXXXXXX XXXX. I have never had a financial relationship with this company and have no outstanding debts with them or with anyone in the amount claimed. I disputed the claim, but it took 3 months and dozens of emails for them to stop. 

On XX/XX/XXXX, I received an email from : First National Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PST, Mon-Fri www.fncbnv.com for the same debt. I have disputed this debt as well. Both collections companies are using a postal address at which I have never lived ( I have never even been to XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX So clearly instead of terminating any attempts to collect this invalid debt, they simply sold it to another company. Each time they have threatened that not responding will legitimize this debt, however, they never acknowledge correspondence disputing the debt. I need CFPB 's help putting an end to this harassmet