davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AR)

I am a XXXX year old XXXX man, and I use a XXXX. I do not own a car, and can not drive. I 've been a victim of identity fraud by my younger brother. He made XXXX dollars worth of fraudulent charges on my debit card number. He never received any cash from an atm because he did n't need to. He used the XXXX  money transfer feature to have money sent from my debit card number, to his bank account. There are several other persons that he sent money to from my debit card to their bank account. I have sat down with the bank manager and identified all of the fraudulent charges from XX/XX/XXXX, to XX/XX/XXXX. I  pressed charges against my brother, and gave the case number to the bank to include with my disputed charges. Regions has denied to credit any of my money back despite having pressed charges against my brother. My brother made all of those fraudulent charges with my name and now it looks like I made the transactions and this is not the case. If the ip addresses can be examined from these erratic charges, they will see that the card was being used in two different places at the same time. Me being XXXX is important in this. I live in a seperate county than my brother, it 's about an hour and a half away. I ca n't drive and do n't own a car, so it 's impossible for me to drive to XXXX, Arkansas, use the debit card several times, and drive back to XXXX, Arkansas, use the debit card , drive to XXXX again, and use the card again, the drive back to XXXX where I live. Regions has denied my claim for these disputed charges. I needed all of this money back, for i 'm handicap and do n't have a job. My brother stole all of it from me. It took me too long to catch on but i 'm not very smart in these matters. My brother knew this about me and took advantage. I was advised to put in a complaint with CFPB. That the CFPB investigates matters just like mine, where it takes more than just glancing over the case, and takes more attention to the details. I need your help. I need this money back, or i 'm not going to be able to pay my rent in XX/XX/XXXX. Thank you, XXXX XXXX.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my report.
Consumer complaint received 2019-04-10
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: BARCLAYS BANK DELAWARE (VA)

I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank.
Consumer complaint received 2019-04-10
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: Bread Financial Holdings, Inc. (IL)

On XX/XX/2019 XXXX XXXX for XXXX XXXX pulled my credit file.I have alerts set up on my file, and receive automatic alerts when something changes. I already have a credit card account with XXXX XXXX in good standing and I just paid it off so I contacted XXXX XXXX  to ask why they pulled my credit? They could not give me a valid reason for having pulled my credit without my consent. I would like the hard inquiry removed from my credit immediately!
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : COLLECTIONS ACCOUNT : XXXX XXXX ORIGINAL CREDITOR : XXXX BALANCE : {$3300.00} REMARKS : Derogatory
Consumer complaint received 2019-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (SC)

My husband is a vet and we currently have a VA loan with Guild Mortgage, I am a XXXX XXXX XXXX XXXX and XXXX, and use Guild as my preferred lender. Not anymore!! When my husband bought our house in XX/XX/2017, he had 60 days to claim the property as his primary residency. He unfortunately did not to this, which has most recently caused us to be in a different tax bracket. We have rectified the situation with our local Tax Assessors office and gotten our mortgage company what they need. We were told that we had to make our XXXX payment which was {$1300.00} and we did. Our normal payment is {$750.00}. Guild informed us that our information was being sent over to the tax department to be re-analyzed. This was sent to them on XX/XX/XXXX. My husband and I have been calling and checking in with Guild to find out where they are in the process and what needs to happen to put us back to our normal payment of {$750.00}. We were told that they are waiting on the refund from our local Tax Assessors office before they can modify the monthly payment back. Upon calling our Tax Assessors office, we found that they mailed the escrow refund to Guild Mortgage on XX/XX/XXXX. Last week my husband called to check in and was informed that they are still waiting on the escrow refund. We recently received our statement in the mail claiming we owe Guild over a grand for the month of XXXX. Guild has been sitting on this escrow refund for over 2 weeks, and has yet to re-analyze our payment. We have never been late on a payment and always make the correct amount requested. Every time my husband and I call Guild we are told different things by different people. No one seems to know their head from a hole in the ground there. We feel like we are being drug through the mud, once we figured out the problem at the beginning of XXXX we did all the means to rectify the problem to become a solution. I can not say the same for Guild Mortgage. It is a shame that good customers are treated so poorly, we completely understand that Guild Mortgage footed the payment and wanted to be paid back, which they now have. We also understand that this problem would of never happened my husband would of claimed our home as his primary residency. We are simply just trying to get our monthly payment back to the amount it should be so we aren't forced to make payments that we cant afford.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I work in farming outside the country but we just have gone to the worst rain and flood season in the past 27 years. We have not been able to harvest our crop since XX/XX/2022. 
We are now in the process of rehabilitation of the plantation and it will take the rest of the year to be in good standing. 
I have just proposed the lender to pay 50 % of what is now due, but they did not want to accept any partial payments. Only the full reinstatement amount. I asked them to take the 50 % now and within a month make good on the other 50 % but they are not accepting the offer
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Albert Corporation (MD)

I put my card on the Albert cash app and somehow my account has been signed out of. Ive been trying to get back into my account but my phone is currently off and I need a the same password or the same email associated with the account. It wont let me change a thing Ive tried reaching out and calling all different numbers. They dont have a direct person I can talk to basically. I need to get in to my account my card and my money is on there and Im not able to use it.
Consumer complaint received 2017-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

i have contacted EQUIFAX on multiple occasions via phone or website in an effort to dispute information on my equifax report. 

equifax disconnects you and on webpage when you hot submit the system crashes i have exhasuted all venues to have these items removed please help see attached
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Lakeview Loan Servicing ( a.k.a. XXXX ) refuses to remove PMI. Our loan to value is now 59.2 %. Lakeview Loan Servicing ( a.k.a. XXXX ) states that they will continue to charge PMI until XX/XX/2021. All written requests for cancellation of the PMI have been acknowledged with a request for {$500.00} to remove the PMI. We consider this tactic a denial of our request.
Consumer complaint received 2020-02-06
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. (GA)

I have made several attempts to dispute fraudulent items with Experian Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AR)

Our title company ordered a payoff on XX/XX/2019. We closed on our home on XX/XX/2019. The title company called because Roundpoint did not give clear wiring instructions on their payoff statement. Roundpoint Mortgage would not give them wire instructions without us calling to give authorization. The title company has been waiting for them to give proper wire instructions and they are not releasing that information causing a delay in receiving the payoff for our mortgage.
Consumer complaint received 2023-08-16
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. (VA)

There is fraudulent activity on my credit report. I recently received my 1099 copy B from this IRS from both XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The IRS accepted both documents I filed 1099C with XXXX and 1099A with XXXX 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties.

My consumer rights have been violated and there are numerous UCCs that support my claim.

15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both XXXX and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XXXX 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the Equifax Breach. How do I determine if Equifax still has my credit frozen per my instructions from previous dates.
Consumer complaint received 2023-08-16
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: Century Finance, Inc. (NC)

This complaint is for CENTURY FINANCE, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2022-06-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Disputed this second loan mortgage back on XXXX that its already been cancelled when we filed bankruptcy. Im not been paying on this loan for so many years, because we are selling the house now we found out that this loan is still valid that I thought is already gone.
Consumer complaint received 2019-04-10
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-04-10
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. (IL)

CRA is in violation of several consumer protection laws, FCRA, FDCPA. FRANK DODD ACT,  XXXX XXXX COMPLIANCE, ETC ...
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

My complaint is the way all three credit reporting companies ( XXXX, XXXX and Experian ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money  market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX
Consumer complaint received 2020-12-16
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: Santander Consumer USA Holdings Inc. (FL)

The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (FL)

I have a Florida Unemployment Debit Card where funds were deposited during my XXXX   period which ended on XX/XX/XXXX. I have a balance of over {$3000.00}. on the account. The company managing the card is www.eppicard.com. 
The card is good through XX/XX/XXXX. It has not expired. 

As of XX/XX/XXXX I am no longer able to use the card for ATM withdrawal, food purchases at XXXX, or any purchases online. I can no longer access my card balance and information online. I receive an error code telling me there is a Fraud Alert on the card. The company cant fix the problem!
Consumer complaint received 2018-12-28
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. (FL)

Transunion, XXXX, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX XXXX with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (RI)

I hope this message finds you well. I recently noticed that my mortgage payment has increased by {$210.00}. However, when I reviewed the escrow analysis, it showed a shortage of XXXX, which seems odd since I have been making all my monthly payments on time. 

Additionally, I wanted to mention that I am currently unable to afford the new payment. I'm feeling overwhelmed and it seems like no one is providing the necessary help. 

I kindly request a detailed breakdown of the extra charges and a clear explanation of where they are coming from. It's important for me to have accurate information to understand this discrepancy. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution that provides clarity. 

Sincerely, XXXX XXXX XXXX