davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Home Point Financial Corporation (NJ)

We have an escrow issue. HomePoint Financial mortgage company and our town put us into major financial hardship. In XX/XX/2023, XXXX XXXX sent HomePoint a letter stating we were delinquent on our property taxes. We were paid in full when HomePoint received this letter. HomePoint sent our town a check for {$14000.00} and our town cashed the check and applied it to XXXX taxes. HomePoint then said we had to escrow taxes and payback the {$14000.00} immediately. HomePoint then told us that our mortgage payment is changing from {$1700.00} to {$5600.00}. We paid XXXX, XXXX, and XXXX at this rate. We called multiple times trying to fix their mistake but we were told it wasnt their mistake and we owed them that money. After reevaluating the loan with XXXX from HomePoint, he determined we were getting over charged. He lowered our payment to {$3500.00}, which is still too high. We paid two months at the rate XXXX gave us, XXXX and XXXX. HomePoint made us payback this in a five month period! 

Our total owed for our mortgage is {$400000.00}. Our taxes, are {$17000.00} per year or {$4300.00} quarterly. For three years we were on autopay for the {$1700.00} a month and paid our taxes without escrow. 

Just doing simple math, we paid {$15000.00} towards the {$14000.00} that was overpaid by HomePoint. HomePoint is trying to tell us we owe {$3000.00} for the remainder of the years taxes and we have to escrow another {$6900.00} before the end of 2023. If we paid this amount, we would be escrowing {$22000.00} for 2023 taxes, which are only {$17000.00} which is a difference of {$4800.00}. 

We have XXXX children, ages XXXX, XXXX and XXXX. One in college we are paying for and this put us in such a financial bind that we are now late on almost all of our bills, including our sons college payments. Our family found buying groceries and gas almost impossible. 

We understand that we are responsible for paying our taxes. We were not expecting to have to pay back HomePoint for the {$14000.00} that they paid towards our taxes. That should never have happened but we suffered the consequences of their mistake. 

Is there anything you can do to help us? We would really appreciate any kind of help at all. 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. 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. Futhermore, in order for XXXX XXXX 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 2023-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Elevate Recoveries, LLC (NY)

I have received calls from phone number XXXX from a woman calling herself " XXXX. '' I have asked her not to call my number because she has the wrong person. The phone number was spoofed because the call did not go through after trying to call the number back. All of their listed numbers are fake. She was rude, continued trying to get personal information, and stated that she was calling from Elevate Recovery. She called again at XXXX pm on Friday, XX/XX/2023. I asked her never to call this number again, to no avail. I want all communication and harassment stopped.
Consumer complaint received 2022-02-24
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. (FL)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX  : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}
Consumer complaint received 2022-02-24
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. (FL)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXXXXXX XXXX I received a notice that my account was to close on XXXX XXXX. It is still not closed!!!!!!! I received a wire of {$38000.00} from a close friend. Wells stated that I needed to return it to her. She authorized the wire to me. She reached out to her bank and sent emails which Wells states they did not receive. She even closed her account to make sure the funds were not returned after I shared what Wells was doing to me. She did everything on her end to make sure I kept the money. Wells refused to talk with me at the branch. The fraud department would not talk with me either. They keep saying the account will close on the expected date which continues to be pushed back every two weeks since XXXX. Wells is holding XXXX of my money. I am very upset and have been financially struggling since. Please help me!!!! This account must be resolved and I am asking for a check with the remaining amount. I have a credit card with wells still and can not pay because I have no money!!!! 
Wells is not forgiving and my interest rate is 24 %. I am so disappointed and angry!!! 
Please help me!!!! I am a working XXXX XXXX XXXX  of 25 years. I do not have a lot of savings and need this money. It's mine!
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NV)

Closing payment for mortgage was wired XX/XX/23 by title company. Title company confirmed wire sent to NewRez mortgage but NewRez denies receiving funds and continues to withdraw monthly mortgage payments. Newrez refused to stop payment from going through after being alerted immediately and refuses to investigate why it can not locate the funds wired to it.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (AZ)

A incursion on my account ending in XXXX was made by a digital wallet transaction. It was fraudulent and not authorized. I reported it and opened a claim.in XX/XX/2023 The bank assured me that the debt card was dropped. The bank issued a new debit card and I refused to activate it. I continued to monitor the account in XX/XX/2023 new fraud charges appeared on my account and I reported them but the bank did not open a claim. More charges appeared later I called to complain to management but I was told that they would not accept a call. I called a completely different department and opened claims for the transaction in XX/XX/2023 but refused to open claims for all since they say I had not reported them sooner. The told me the debt card was close. They next day the fraudulent charges continued. The bank has been unable to stop this and because of their incompetence continues to say that the older charges will not be reversed. The bank is allowing this steal to continue. I need them to accept the responsibility for their lack of action to protect my account.
Consumer complaint received 2022-02-24
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: I.C. System, Inc. (GA)

I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.
Consumer complaint received 2022-07-13
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, XXXX 's, and Transunion 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, XXXX, and Transunion have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including XXXX, XXXX, and Transunion XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, XXXX, and Transunion to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (FL)

I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my XXXX account information but XXXX won't shut the fraud account down an credit karma was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

FAILED TO PROVIDE REQUIRED DOCUMENTS! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-17
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: JPMORGAN CHASE & CO. (FL)

This inquiry is missing the full 100 % verifiable information of a phone number and an address. NO CONTACT INFORMATION WAS ON THERE SO WHO VERIFIED AND VALIDATED THIS INQUIRY?! ATTACHED IS A SCREENSHOT OF THIS COMPANIES Deceptive marketing strategies and proof that they are not following the laws of FCRA. This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 


Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this  violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-07
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect. 
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor
Consumer complaint received 2020-01-17
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: Exeter Finance, LLC. (FL)

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Consumer complaint received 2023-02-03
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. (GA)

These inquiries do not belong to me and I did not authorize them. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2020-01-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (GA)

TD AUTO FINANCE Date XX/XX/2020 XXXX : VIN # [ XXXX ] To Whom It May Concern, This letter is a formal statement notifying the above party that the accounts under VIN # XXXX ] are disputed. Repossessed in the state of GA and sold by TD AUTO FINANCE Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this letter, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. A copy of this letter will be sent to the names listed. Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-01-17
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: CarMax, Inc. (FL)

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995