davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

I sold my home on XX/XX/18. Settlement for the mortgage in full was WIRED to Freedom Mortgage the same day and online it does show that the principal balance is XXXX. I have called an confirmed that there are no further payments on the loan needed. I have also confirmed that they have in escrow {$3300.00}. I have receipts that the property taxes for 2018 were paid through the title company in full in the amount of {$2200.00} ( an escrowed item ) and that obviously the insurance company will not need to be paid as the house was sold. So I am owed the full amount in escrow of {$3300.00}. I have been told that t hey will not pay me interest for the time they have held my funds. As of today,XXXX, they have not refunded me my money from escrow. I feel that because this payoff obviously was paid via wire ( the money is not in dispute ) and that all other items have been paid that my money should be released immediately or I should receive interest for the time they have my money. It is wrong for them to hold my money for no reason. I don't care if that is " their policy ''. Policy does not mean it is the right thing to do. They are making money on those funds every day and I am being denied access to my money. I can see a delay for up to 72 hours for processing but anything after that should not be allowed.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit card was rejected at a restaurant recently. When I called to see what the problem was, I was told that I had tried to log in previously and had not completed the log in procedure. As I then recalled, I had tried to log in, and a warning said that I would need to receive a code from my XXXX or Smart Phone. As that is not possible, I chose the option to receive the code from my email address. No code arrived. 

When I called the help desk after my credit was declined, the representative said that I would need to send a picture of my drivers license taken with my cell phone and send it to them. After, again, explaining that was not possible, he said that I would need to fax my drivers license to him. If I dont have a cell phone, I am unlikely to have a fax machine ( Does anyone fax anymore? ) I am XXXX years old and do not think that I should have to own an XXXX or Fax machine to verify my existence. Isnt giving the correct answer to my mothers maiden name, last 4 digits of my social security #, and answers to the 3 security question that I had given them to set up the account adequate? 

The case number that Capital One has for this isXXXX
Consumer complaint received 2022-06-18
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 separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called experian and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and experian knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue experian and XXXX. They too have been unhelpful.
Consumer complaint received 2021-06-10
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)

This a fraudulent account appearing on my transition report. I tried reaching out to the contact info listed on my credit report but the reporting contact information is incorrect. the Transition agent confirmed the contact information was incorrect. 

XXXX XXXX XXXX is a fraudulent account and must be removed from my credit report right away.
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (AR)

My account with XXXX XXXX is still being reported. However this account was closed in 2014 when I purchased a new vehicle. XXXX XXXX  has manytimes refused to submit a timely response to my questioning concerning this account.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received XXXX payments of {$410.00} from XXXX different senders. Both filed for fraud with their banks. I was not notified until today XX/XX/XXXX when I called my bank for an overdraft / insufficient funds notification. I was never notified about a fraud claim against me until today that I called. Due to the XXXX other senders receiving their money alongside everything I had in my Chase Bank account it became overdrawn. They refused to move forward with my case stating there was nothing that could be done. I do not have a XXXX to my name so their suggestion was to borrow money to clear an over draft fee of almost {$600.00} dollars. I spoke to different branch members, claim representatives, and fraud department but none tried to help me in my situation. I went to a physical Chase Bank and asked if they could put a hold on the daily overdraft fees to which they denied.
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX and XXXX a paypal collections agency attempted to ACH my XXXX XXXX account for {$260.00} 3 times without my permission. today, XX/XX/XXXX a paypal collections rep calls me from XXXX making threats against me. He told me that paypal was going to ACH my XXXX XXXX XXXX account. 

These actions are illegal violating the Federal Trade Commission Act. Please investigate? 

Thank you
Consumer complaint received 2022-06-18
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. (WI)

XX/XX/2022 XXXX  XXXX Account Number : XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WI)

In XX/XX/XXXX I asked Caliber Home Loans for a loan modification. They Approved the modification but never notified me of the approval. Once I learned of the approval I began paying the lesser amount. 
Now there is a delinquent mark on my credit report saying I was 60 days past due. This company is terrible. I never asked them to be my servicer. I never entered into any agreement with them and they are rude and disrespectful during all phone calls. 

The company does not communicate within their own divisions. The active agreement/loan modification should not be recorded as a credit delinquency. 

I recently learned that the Massachusetts Attorney General sued caliber home loans over predatory loan modifications. This is exactly what happened to me. 

Thanks XXXX XXXX
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX  had a breach and my information/SSN was a part of that breach.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (FL)

Us Bank Repo my car XX/XX/XXXX sent me a letter stating i had until XX/XX/XXXX to Reclaim the car they towed it to XXXX XXXX with my Personal Items inside I was then sent a letter from the place that had my car I went on XX/XX/XXXX to Reclaim the car but the car wasn't there but my Personal Belongings were I ask where the car was she told me she had no idea I contacted Us Bank coming to find out from them no letter or anything that they Sold the car on XX/XX/XXXX which they were in the wrong for Saleing the car because pertaining to the letter they sent me I had until XX/XX/XXXX to Reclaim the car but they never gave me a chance so on my Credit Reports they have Remarks but the account is Closed
Consumer complaint received 2018-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (VA)

I had a major financial crisis happen at the end of XXXX. This caused me to get behind on my mortgage. Ive made partial payments but I have not been able to make a full payment. My issue is that Vanderbilt Mortgage has 1 ) increased my payment amount to provide a cushion as they call it. And 2 ) they are not accepting my partial payment. 

My mortgage should be {$1900.00}. They are charging me over {$2000.00} ( I cant get the exact amount as they have also blocked my online account with them ). On today XX/XX/XXXX, I received a check from them in the amount of {$1000.00}. The checks where for partial payments in the amount of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. The letter attached with the check reads the amount represents less than half of the full amount due on the loan. 

What company returns payments?
Consumer complaint received 2022-07-12
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$680.00}
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I appreciate the attention given to removing some fraudulent items from my file purportedly stemming from fraudulent activity. However, there are still outstanding items requiring removal. As a victim of fraudulent activity, I reiterate my request for the removal of these items from my credit file, as mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), not later than four business days after XX/XX/XXXX. I have previously addressed this matter in both the FTC report and letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, some of the information provided on certain items is unfamiliar to me and has been expunged from other bureaus, casting doubt on its accuracy. This correspondence serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action should there be willful noncompliance. Please find below the listed items per bureaus that require removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$23000.00} - FTC XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$490.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$23000.00} - FTC XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX. Please note that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2022-07-12
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. (CA)

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Transunion has not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need these to be removed immediately! 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (WI)

I closed a small business and cancelled my credit card processing service with Elavon in XXXX, 2019. In XXXX, XXXX, XXXX and XXXX, 2019, a merchant service fee was withdrawn from my business bank account, and I had to send numerous emails and make many phone calls to receive refunds for XXXX, XXXX and XXXX. I was told that my account was not " properly '' closed by Elavon until XXXX. In XXXX, after I was charged yet another merchant service fee, I once again asked for a refund, and I was advised by XXXX XXXX, an account manager, that the refund was issued and deposited into my bank account on XX/XX/XXXX. Despite numerous communications with Mr. XXXX, including providing him with proof from my bank that the funds are not in my account, he has continued to insist they were deposited and that there is nothing more that Elavon can do. He told me to go to my bank and have the bank investigate ; I asked him for documentation showing the transfer had been made, and he told me there is none. I still don't have my refund.
Consumer complaint received 2022-06-18
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U, S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan
Consumer complaint received 2022-06-18
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U, XXXX XXXX A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan
Consumer complaint received 2019-09-04
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. (CA)

On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and Experian. Experian has closed my dispute 3 times and I have had to reopen it every time. Experian has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.
Consumer complaint received 2019-09-04
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. (CA)

On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.