davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (FL)

I took out this loan because I had a few payday lenders that were bankrupting me. Mariner was the only company that would give me any relief by reducing my payments to one a month and extending the time period I have to pay, but only under a Title Loan option. I accepted because it actually appeared this was a rare good financial institution offering things like protection from possible disasters like unemployment or XXXX requiring the Taking of my car. But like one of the most famous FL XXXX XXXX XXXX and XXXX in history, XXXX XXXX, this company smiled and took me in by not letting the true monster out till there was no escape. Within the first few months of taking out the loan in 2019, I was the male victim of a XXXX XXXXXXXX. Thankfully, the man who did this to me is now in jail. That event created a XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX, eventually leading to my being laid off at the start of the pandemic. What is occurring makes no sense and is fraudulent. I am a XXXX individual with a title loan that has XXXX insurance. 
But in an insane through the looking glass twist, Mariner says I have to be working while XXXX to take advantage of it. What? Obviously, most XXXX individuals can not work. This company also has unemployment insurance on the loan, but like a XXXX XXXX, the unemployment insurance has a time limit, which I apparently have exceeded. Ha!! Even more shocking, I received approval for XXXX from the state of Florida already almost a year ago because of my XXXX. This occurred based on my paperwork alone without even interviewing me. Florida did not expand XXXX unlike most states, so this approval shows how severe my case is. Still, I was notified of car repossession by this sick predatory lender yesterday. It is absolutely nuts to be a company that offers XXXX and unemployment insurance and I am a person who qualifies under both insurances, and Mariner still wants to try to take my car, as opposed to having the loan continue to be paid under the insurances I qualify for.
Consumer complaint received 2019-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX  - partial account number XXXX. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-04-08
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

There is a serious mishandling of our escrow account. The mortgage payment on our house is originally {$1400.00}. We bought our own Flood insurance policy for our house in XXXX XX/XX/XXXX and submitted the documents to Specialized Loan Services so they would have them on file. This Flood insurance was paid in full by us the homeowner and so there would not be a payment that would come out of our escrow account to pay for it. Specialized Loan Services still ending up sending out a payment to the Flood insurance company from our escrow account which put us into a deficit. We spoke with them on Mon, XXXX XXXX to let them know they had made and error as we had already paid our Flood policy in full. They should not of made a payment and they would need to credit that amount back into our escrow account. They had us pay our regular payment of {$1400.00}. Specialized Loan Services said it would be fixed it and it would not affect our mortgage payment. We then received a letter from Specialized Loan Services in XXXX that our XXXX mortgage payment would be {$1600.00}. due to the deficit in escrow. We called and spoke with them on Tue, XX/XX/XXXX and they told us they would run an escrow analysis and to just go ahead and pay the {$1600.00}. They assured us they would have this issue fixed by the time our next mortgage payment came. We again have received another statement that our mortgage payment for XXXX will be {$1600.00}. We called them today XX/XX/XXXX to discuss the errors in escrow and it seems this company just can not get it together. They never ran a new escrow analysis when we spoke to them last like they said they would. The company said they would really run it this time. I can not afford to keep paying an extra XXXX $ a month for their errors. I am on a tight budget as it is and I am afraid I will not be able to afford my mortgage payment this month if they can not fix this error.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (FL)

In an email I formally requested that PMI be removed and partially paid back as it should have been romoved quite some time ago. The mortgage is less than half the original home value and I've never refinanced. Suntrust became Truist and I've had many issues as they keep recalculating my payment and re-evaluating the escrow every few months. Not only have they denied my PMI removal request once again I am told that the newest escrow calculation show a XXXX $ shortage for the year and somehow that calculates to over XXXX $ increase in the monthly payment. The math isn't mathing.
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MD)

this company has a collection account opened on me - i have repeatedly requested any documentation which would validate me owing this debt - i sent mail to both the originator and this debt collection company with the information below - and both have refused to provide me this legally required information for over 1 year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Receivables Management XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX current date XXXX RE :  Collection attempts on a debt I do not owe. 


You have reported a collection account to the three major credit agencies. The amount of this account is {$220.00}. 

I do not believe that I owe this debt and I dispute it. 

I have no idea why i am receiving this bill. I have no idea what service was provided - when - where - by whom. 

In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? b ) How this amount has been calculated in a way I can understand c ) Copies of the papers where I agreed to pay what you say I owe. d ) The name of the original creditor. e ) Demonstrate that you are licensed in my state, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Closed. {$770.00} written off. 

Account Name XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$760.00} written off. {$530.00} past due as of XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Status Paid, Closed. {$660.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$640.00} written off. 

Account Name XXXX  Account Number XXXX Status CLOSED 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 an 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 and 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 2023-04-08
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 contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did XXXX the public record but i still heavy other things its not my XXXX XXXX did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help
Consumer complaint received 2020-06-06
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: U.S. Auto Sales Inc. (GA)

the car was involved in a total lost and I need that account closed down, I already contacted the company and they will close it down as soon as possible but I also need you guys to close it down since its affecting my credit there is no type of payment owned to the vehicle since it was a total lost.
Consumer complaint received 2023-04-08
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-11-05
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX XX/XX/2022.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX I was preapproved for a mortgage loan with Navy Federal Credit Union. I was told all my documents were good they didnt see any issues. On XX/XX/XXXX I was conditionally approved. The house was inspected and appraised. I was just waiting for the title to come back. XXXX XXXX XXXX was my mortgage processor. I reached out to her multiple times to confirm all the documents submitted were good. She confirmed I didnt need any additional information. I was given a closing date of XX/XX/XXXX. That day came we still had no title. XXXX then stated she didnt realize that I was a XXXX and I was self employed. From the beginning I made them aware that Im a XXXX XXXX and I get XXXX. I have weekly paystubs but my income is not taxed. On XX/XX/XXXX, XXXX ask me to submit updated paystubs, profit and loss sheet and show proof of 6 months payment reserved. All my documentation was complete and sent in. She stated everything looked good and I should be closing Thursday XXXX no later than Friday XXXX. I called XX/XX/XXXX to follow up on the process and XXXX stated that I was denied and she couldnt give me details I would hear something in the mail within 10 day. The process is over. I need to reapply with a co-signer. How did I get this far with all the same documentation to be denied. Where was the ball dropped. How did they not realize I was self employed. I reached out to her supervisor XXXX XXXX who stated that processors arent trained to give explanations and that my loan was denied because my self employed income was not enough. They couldnt factor in my income from my w2 because I no longer worked that job I was solely self employed. I dont understand how I got this far without anyone realizing I was solely self employed. I reiterated it multiple times and everything I stated was disregarded. Im packed up. I opted out of my lease because I had a closing date and I kept being told all my documentation was fine. I just want answers. Someone needs to be held accountable. No one provided any empathy it was more or less oh well you were denied. How is it that i can pay {$1300.00} in rent without one late payment for 2 years but I cant get a mortgage approval. My credit has increased. I paid off more debt and even one of my car loans just to guarantee approval to still be denied the week I was suppose to close. This is outrageous.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

equifax will not update with the correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX equifax will not update with the correct name of XXXX XXXX XXXX XXXX i have sent them my proof of name and address they have not updated
Consumer complaint received 2023-06-13
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. (PA)

The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

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 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
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

AFFIDAVIT OF TRUTH CREDIT REPORT DISPUTE & IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have written this affidavit pursuant to Title 15 UNITED STATES CODE 1681a Definition ; rules of construction to dispute furnished information that is identified as falsely reported without XXXX XXXX XXXX written permission on a credit report with your agency that bears XXXX XXXX XXXX XXXX and private information . XXXX XXXX XXXX as the private identified person request that you provided the following : Proof of Claim. That XXXX XXXX XXXX gave your agency written permission to create a report using my personal and private information. ( Title 15 UNITED STATES CODE 1681b Permissible Purpose of consumer reports ) Proof of Claim. That your agency has not taken XXXX XXXX XXXX personal and private information and sold it for profit to a third party. ( Title 15 UNITED STATES CODE 1681c-1 Identity Theft Prevention ; Fraud alerts and active duty alerts ) Proof of Claim. That your agency did not obtain XXXX XXXX XXXX personal and private information to report negative data to disable and/or prevent XXXX XXXX XXXX from obtaining credit as a consumer. ( Title 15 UNITED STATES CODE 1681q Obtaining Information under false pretenses ) Proof of Claim. That your agency is the sole furnisher of XXXX XXXX XXXX personal and private information ; if not, XXXX XXXX XXXX request that your agency provide the name and address of the agency that provided your agency with XXXX XXXX XXXX personal and private information. ( Title 15 UNITED STATES CODE 1681s-2 Responsibility of furnisher of information to consumer reporting agencies ) Due to the time-sensitive nature of this affidavit, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days plus three ( 3 ) days grace granted by return service by certified priority mail to principal address. 

Should you fail or refuse by non-response to this affidavit within the time frame specified, general acquiescence and acceptance will be taking on your agency part as formally exercise and performed pursuant to your agency silence and dishonor ; there for your agency accept and recognize Title 7 UNITED STATES CODE 13 ( a ) ( 4 ) and shall be reliable for a maximum fine of one million dollars ( {>= $1,000,000} ) for each violation.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint has refused to explain in detail the fees incurred or added since they began servicing my loan. 

Shellpoint sent a letter dated XX/XX/XXXX indicating a negative balance of escrow in the amount of {$40000.00}, claiming for period XX/XX/XXXX to XX/XX/XXXX yet, they have not provided a breakdown by month and year and cost for escrow which totals the amount claimed. 

I have sent multiple request to Shellpoint requesting a breakdown and they just keep claiming the same and providing a loan history spreadsheet, yet there is no highlighted portion that explains the cost and total for the negative escrow balance. 

There is also a discrepancy on the total amount since Shellpoint sent another letter dated XX/XX/XXXX indicating that the negative escrow balance upon transfer was {$25000.00}. 

I have asked for the correct negative escrow balance and Shellpoint has refused to provide this information to date.