davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (IN)

In XX/XX/2022 we sent 4 payments for the total amount of XXXX. Our mortgage is XXXX a month. We were behind for XXXX. So, so that still would have left XXXX in XXXX we paid another XXXX, still leaving XXXX ahead. XXXX we paid XXXX which would put us XXXX ahead. In XXXX we made two payments of XXXX and XXXX, which would put us at XXXX ahead and it should have been sitting in what they call partial unapplied payments. In XXXX and XXXX, we could not make payments as I was not getting paid half the time from XXXX XXXX and we were ahead so there was no need to send payments that month. Which, would have left us with XXXX in the unapplied partial payments. In XXXX we sent XXXX which would have paid the remaining XXXX dollars on XXXX payment and left us with XXXX towards XXXX payments. We have all the money orders, bank statements, and money grams to prove these payments. 

When you look at their mortgage statements, other statements, and payment history you will see non of them match up with each other and a few payments on some of them match with ours. For example, the XXXX mortgage statement says we made XXXX payments and the payment history for XXXX only shows XXXX, while our money orders show XXXX payments. Their pay-off has jumped by over XXXX according to their records and with our payments made it has actually gone up over XXXX. You will see from XXXX to XXXX over XXXX dollar increase but we have not missed a single payment since XXXX. They are trying to take our home based on a statement that says we have not made a payment since XXXX of this year. Our records prove otherwise as do their payment history and mortgage statements. No one I have spoken to is willing to fix this issue. I was told my documents meant nothing and he could not use them to clear up my account. You can look at their statements and the money that is in the unapplied varies a lot with no records of where it went. at one point you will see that their YTD doesn't even line up with the amounts from the month before. We have asked that our taxes be taken off the escrow like our insurance was as we do not want them to pay anything for us because they are stealing our money and we want to ensure the taxes are paid every time they are due. So, far they have done so but they are trying to state that our escrow is behind and there is no way this is possible when we have not missed a single payment. They also did not file the homestead like they said they would for the taxes so I have to go do that tomorrow as well. I have spoken with 3 different people and gotten three different stories and no one will fix the issue at all. 

We need them investigated as I am sure we are not the only people with a large amount of money missing. We would like our funds put where they were supposed to be and the harassment about the money that is on the XXXX XXXX bankruptcy to stop. They keep trying to charge us for the amount that is on the bankruptcy knowing it is against the law to do so.
Consumer complaint received 2022-08-30
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 XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-30
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: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management has failed to comply with FTC Regulations and refuse to fix this issue. This is a clear violation of my consumer rights. 

They have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I checked my credit and I saw XXXX XXXX reporting me a charge off when this account was paid in full I reached out to XXXX XXXX and they realized their mistake they gave me a letter and they requested all 3 credit bureaus to remove the negative information from my credit file, XXXX removed it already XXXX removed it already but aquifex is refusing to remove it for some odd reason I need to go to closing I'm taking out a mortgage and this is killing me and there is nobody to talk to in Equifax they are violating my rights and they are violating the federal FCRA rules please help
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (TN)

N accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Equifax has a security freeze on my account. when I try to sign in to myequifax.com, I get this message : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I have called this number numerous times and have spoken with several agents. I understand the need for security to protect consumers from fraud but talking to foreign agents that speak a foreign language is useless. It would be easier to hack into my account than to deal with their agents. 
All I want to do is unlock my credit report to apply for a loan. 
I have been trying for 3 days, XXXX, and XX/XX/2022. 
Their identity verification process is ridiculous.
Consumer complaint received 2023-06-23
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. (KY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/22, at about XXXX p.m., I received a message on my phone asking if I was on the phone with them and I answered NO.. At about XXXX a.m., I checked email and was informed that my email was changed. I immediately called and was told nothing was changed. On XX/XX/22, I received a text saying my charge at XXXX for XXXX was approved. Again I immediately called and was told my whole account profile had been updated and a new was sent to the new address. I informed them tthat I DID NOT change anything, and a fraud investigation was started, and a new card with a new number was sent to me. 
On XX/XX/XXXX, a letter was attached to my account saying that it was not fraud and I was responsible for the charge. I again called on XX/XX/22 and complained again. Again the charge was removed and then put back on my account the same day.. I have had this card for over 15 years and have NEVER shopped at XXXX This is a Capital One mastercard and case number is on attached files..
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX Acct number XXXX is in violation of my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent him many dispute letters asking for papers where they say that they are my accounts and the collections where it says that I sign some document to pay that debt to the collection companies but until now they never answer me with any document So in this case what I can do because XXXX, XXXX, XXXX keep reporting negative items on my credit score
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

First, I faced multiple issues regarding fraud charges on my account. Thankfully, though it was difficult to reach customer service, I was able to cancel + freeze my debit cards, and the one charge that did go through is supposedly being investigated. While that has been " taken care of '' or is at least prevented from further issue, I also ran into my account getting locked due to login attempts by scammers. My account has been locked since at least XX/XX/XXXX. 

Due to tech issues I am unable to reset my password properly and get into my account. I've spoken with customer service multiple times about this issue and been transferred to tech support twice who is supposedly working on the issue. I was told that the issue should be solved by last friday ( XX/XX/XXXX ) or early this week and I have still heard nothing. Ally, as an online only bank, has been unable to let me access my bank accounts for almost two weeks now. I have transferred some money out of my accounts via phone, but I would like to cancel my auto transfers and 'surprise savings ' so my money that I can not access ( unless I call customer support and sit on hold for XXXX min to an hour ) won't continue to move around. I need access to my bank accounts. This tech issue needs to be resolved now.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

After providing a mountain of documentation verifying both my income and that of my company the lender requested I commit mortgage fraud, see below. I explained our year ends XX/XX/XXXX and we have been working on getting XXXX finalized. Now I am to settle on XX/XX/XXXX- they want me state profitability and certify it with my signature, that is not possible until XXXX  adjustments are made. this loan has been in the works for 2 months and at the last minute they are telling me to commit fraud if I want the loan. 




From the lender : Good afternoon XXXX, So, in order to close on time, we will need a year to date XXXX XXXX XXXX from XXXX to now. This does not have to be a XXXX  certified document. A simple XXXX spreadsheet will do. In the past, we have had companies less involved than yours put it on a napkin before and signed and dated it and that worked fine. Not saying you have to do that but just making it clear that it doesnt have to be a CPA certified document. 

Just needs to show accurate profits and losses this year and needs to be signed and dated by you so underwriting can calculate it and give us the all clear. We will need this as soon as possible so we dont have to push back closing. 

As always, we are on your side and want to keep the process smooth. Let me or XXXX know if you have any questions! 



XXXX XXXX XXXX # XXXX Loan Consultant ( XXXX ) XXXX office ( XXXX ) XXXX cell ( XXXX ) XXXX fax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 USC 1681.

US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX US DEPT OF EDXXXX 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 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 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have been a victim of identity Theft. My information has been exposed in the XXXX XXXX XXXX. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX  XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX. 

I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM. 

I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well. 

Please let me know if there is anything someone can do to help. Thank you!!
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.
Consumer complaint received 2022-04-14
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: LAKEVIEW LOAN SERVICING, LLC (VA)

For whatever reason my scores are so much lower with XXXX than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. Lake View XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.
Consumer complaint received 2023-06-26
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: SYNCHRONY FINANCIAL (NY)

Hi I called Amazon synchrony bank about a duplicate charge pending authorization for XXXX ( twice ) I was told if I dispute the duplicate charge with my own bank they would close my synchrony credit card I was threatened by synchrony back that I am not able to dispute any charges pending in my account and if I do I will have my synchrony accounts closed.
Consumer complaint received 2023-08-22
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. (NV)

I am writing to dispute the following information that appears on my Equifax report from XX/XX/2023 : Inquiry from XXXX on XX/XX/2023. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/2023. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/2023. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : IQ DATA INTERNATIONAL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX