davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I lost my house in the XXXX  XXXX  lightning fire. After settling with insurance I had to sign over a joint check to my mortgage company XXXX United Wholesale Mortgage ) who has in turn elected to delegate the management of my funds to at least ( 2 ) other primary parties. These ( 3 ) entities work together to pass me around in circles and never be held accountable while withholding my rebuild money from me. 
I settled with insurance for $ XXXX, my rebuild costs are almost double that even after downsizing ( XXXX XXXX burned down, building back XXXX XXXX ) and doing as much of the work as I can myself. I have spent over $ XXXX to date, have taken out a $ XXXX personal loan in order to continue making progress while I fight for my funds to be released, and have only been reimbursed $ XXXX. I have had to take a leave of absence from work due to the stress and amount of effort required to be able to continue. 
If I call for a progress inspection at this point ( ext. framing complete, roof partial ) and get an arbitrary low percentage assigned ( past has been completely arbitrary ), I will get next to no money released and I will be very hard pressed to show significant progress for any inspections after. I plan on doing all the interior work myself, due to budget constraints. I wont be able to take any more loans and will be completely stuck while the bank continues to sit on my money ( and loan it out to others at a higher rate, which is why they have no motivation to actually help me ). 
Because of this situation, I need a clear definition of how % complete is being calculated before calling for the next progress inspection. I should have all of my money released if I am 75 % complete. This simple calculation should be ( value of work in place ) / ( value of claim ) = % complete. I have been fighting for months to get this very simple question answered and have exhausted all options I can think of. 
I have tried to fight this for months now any way I can, including : my own calls, letters, and faxes ( all go un-returned or standard pre-canned responses when I do get them, I have started recording all my calls with them as this is the only means of documenting ), contacting the insurance commissioner ( says not them since my money or issue is no longer with an actual insurance company, despite it being insurance money ), department of financial protection ( referred to me by the insurance commissioner, who in turn says not their department, try the insurance commissioner ), filing complaints with the Better Business Bureau ( closed my cases as soon as a company sends any kind of response, regardless of whether it actually answers the question. 
I have a lot of documentation and have been dragged along for months, these companies have been non-responsive to my letters and have not acted in good faith. I need to know how % complete is calculated and am contemplating pursuing these entities to recover the damages they have inflicted upon me.
Consumer complaint received 2022-06-10
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 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-09
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. (NJ)

There are a lot of late payments and collections on my credit report that shouldn't be there. Please see attached dispute letter. Remove all previous names. My only name is XXXX XXXX XXXX. I have no idea what those others names are.
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (VA)

I owe about XXXX on a student loan that I have not been able pay. I have recently accepted a position as a XXXX XXXX at a XXXX XXXX and had been made aware that my diploma is not acceptable since it is from XXXX XXXX. I graduated with honors and can not understand why my diploma is not acceptable. Furthermore why should I be forced to pay a loan for school that is no longer accepted?!
Consumer complaint received 2021-02-09
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. (NC)

I check my credit today and I discovered my XXXX and my exqifax had drop my XXXX severely so I look to see what the problem was 1 there's a charge that has been on my credit since XXXX and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on exifax and XXXX  31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become depressive and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX XXXX to day and I'm just XXXX and angered
Consumer complaint received 2022-09-08
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. (TX)

in accordance with the Fair Credit Reporting act XXXX OAG CHILD SU 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 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
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I accessed my account online on XX/XX/2020 and noticed that there was a distribution for {$91.00} from my escrow account with the description of " LienTaxDisb XXXX. '' I called to inquire what this distribution was for. I spoke with XXXX who informed me the distribution was for the fees and penalties that were owed on my late tax payment. I informed her that I had been told Lakeview would be responsible for those fees because it was their error which caused the late payment. She informed me that the amount is due from the previous lender so they took it out of my escrow to make the payment while they attempt to obtain the amount from the previous lender. She informed me it could take up to 60 days and my escrow account would be credited when they received the payment from the previous lender. This payment should be at the expense of the company, who should be responsible for making the payment it should not come out of my account to later be credited back.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IN)

I have tried to get a " cash advance fee '' that was charged in error removed. The purchase was with a vendor and I received credit to be used with that vendor only and did not receive any cash whatsoever. Discover retorted that they can charge a cash advance fee for anything they would like to and the customer does not have to receive cash, or anything at all for that matter, to be considered a cash advance. If this is the case, what's stopping Discover from charging a {$10.00} fee on every purchase I make? I believe this is against the terms of service and is gross negligence on Discover 's part. I spent 90+ minutes discussing the issue with a customer representative, with no resolution.
Consumer complaint received 2018-09-04
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. (MI)

During XX/XX/XXXX, I applied for an auto loan with XXXX XXXX in which they pulled my credit multiple times that was only authorized for one pull. I have called the dealership and Equifax on multiple occasions and they keep sending me back and forth between the two. The dealership stated I should not be worried about it because the multiple inquiries only count as one anyways ( inaccurate ). 

During XX/XX/XXXX, I applied for a tralier loan with XXXX XXXX, they too also pulled my report multiple times which should have only been one.
Consumer complaint received 2023-08-07
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. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2019-04-09
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 contacted Experian and XXXX about multiple accounts that are showing on my credit report that do not belong to me. I have contacted Experian and XXXX by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Subject : Dispute of Negative Information on My Bank Report To Whom It May Concern, I'm submitting this complaint due to the negative information that CHEX SYSTEMS has reported in my bank report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 
Account Information : Name : XXXX XXXX Account Number : XXXX Description of Dispute : To whom it may concern CHEX SYSTEMS is reporting a negative XXXX XXXX bank account with my personal information. I demand the removal of this negative item as the information is inaccurate or in violation of my rights as I do not recall opening a XXXX XXXX personal checking account.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (UT)

To my knowledge this debt was paid/settled in my bankruptcy back in XX/XX/XXXX. I initially received a judgment for {$1600.00} before I entered into the bankruptcy. After it was dismissed in XX/XX/XXXX I never heard from Barclays on  this debt again. I sold my house in XX/XX/XXXX and found out that they had put a lien on my house. The title company sent multiple faxes, emails and made daily phone calls for weeks trying to get an payoff amount to settle the debt. I sat on conference calls with the title company and Barclays myself, trying to get a simple payoff amount. They still wont give us one. Because of this they had to hold $ XXXX of my return. I am told that I wont get my money back until this lien for {$1600.00} is settled. Its been 2 weeks since we closed and still have not been able to get an official payoff from Barclays. I am frustrated that this was put as a lien in the first place. They never sent a letter to me or called. I am reaching out to them to settle a debt that I believe is invalid and yet still cant get any response.
Consumer complaint received 2021-02-09
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. (CA)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores 100 points.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 950 Credit Inc (FL)

Dear XXXX Consumer Relations + Credit Rent Boost, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with XXXX. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my XXXX report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : XXXX Date Opened : XX/XX/2013 Account Status : XXXX  I would like to kindly request that you investigate this matter and include the account in my XXXX credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my XXXX credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that XXXX will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my XXXX report.
Consumer complaint received 2022-03-06
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

On XXXX Wife and I received a letter from our Mortgage Lender ( Carrington Mortgage ). This letter stated that in my wife`s claim they received from her on XXXX regarding her identity was stolen, It states they take any allegations of Identity theft very seriously in conjunction with the origination of our loan .Goes on to advise us that the above for mentioned our loan has been placed in dispute with the 3 credit bureau`s as they correspond with them. Carrington state for them to continue their Investigation the following is required to submit to them within 30 days of letter. Copies of picture ID social security card. Proof of residency during time of said alleged Identity theft occurred.

A complete fully executed Identity theft Affidavit of her allegations and anything else she believes might reflect the unauthorized signature and have notarized. A complete. Fully executed Denial of financial responsibility declaration and notarized. Police report filed. 
A Formal report to the Federal Trade Commission. My wife contacted them XXXX spoke to XXXX and said how weird this was as she explained she didn't write a letter or notify Carrington or anyone else regarding her Identity taken. Wife never had Identity taken or used XXXX suggests that she write a letter their research department and request a copy of letter they receive alleging the Identity theft. Wife completed letter same day and faxed to Carrington mortgage. I also contacted Carrington because i wanted to know who authorized an investigation and reporting to the credit bureausand who filed the dispute. Customer service advised after she spoke to the escalation team that it wasnt my wife who notified them it was the Credit Bureau`s and they said to write a letter and ask for this investigation to be closed due to wife`s identity was not stolen or used and she never contacted Carrington as it stated she did in their letter. Customer service also said that the escalaton team would start the cancellation of their Investation. I said no I wan na know who started this who authorized this and wife nd I we never notifed first. Customer service then advised after speaking to escalation team that Carrington did`nt start the investigation or disputed our loan it was Credit Bureau . I asked which Credit Bureau and Customer service said she doesn`t know which Bureau. This is the second time I have contacted CFPB regarding this Mortgage company along with FHA/HUD , .Attorney General 's office, Consumer banking and financial, Senator office, Govenor`s office, FTC, Antitrust, House and senate committee . This is the second time I have to file a complaint against Carrington for their deceitful, harassment discrimination, feeling signaled out, constant worries of loosing of home. They cost me loss of refinancing with another lender in XX/XX/2021 due to deceitful falsification reporting to credit bureau`s.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc (CA)

XX/XX/XXXX - 2 fraudulent charges were made XXXX and XXXX  and dispute was created. Dispute # XXXX  XX/XX/XXXX - dispute XXXX XXXX was approve and XXXX was credited back but not XXXX XX/XX/XXXXXXXX - received an email stating that XXXX was credited back. No credit was given in my account. Contacted bank and they said they will send me an email 24-72 hrs. No email was sent to be within that time frame. 
XX/XX/XXXX - contacted customer service regarding the credit that was approved but not given and they researched and said the investigation team will credit back within 24 hrs. 
XX/XX/XXXX - nothing was credited back.
Consumer complaint received 2019-09-19
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)

Experian is reporting a fraud account from XXXX XXXX on my credit report. I have made many attempts to resolved this matter and I need your assistance in getting this matter resolved. This is not my XXXX XXXX account please remove it from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX Account # XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moiharwin Diverisfied Corporation (NV)

XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$58.00} from back in XXXX.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

Hurricane Florance. 
SunTrust Mortgage offered us a 6 month deferment of payments due to our being desplaced from our home. Our agreement on the phone was simply to have the payments added to the end of the payment schedule for the existing loan. 
On month 7 we tried to make a payment and the bank took the payment but we later received paperwork from the bank for re-structuring our loan. A thing we did not want to do. It was explained over the phone that this was the way it had to be. We signed the paperwork and returned it per the instructions. 
The payment we made on month 7 was not credited to the loan but put into a holding place until the re-structuring was complete and we were told not to make any more payments until the restructuring was complete. We were not informed of that when we made the payment. The restructuring will include a new interest rate. Today we get a foreclosure notice if we don't pay the past months payments as well as fees, attorney fees, and late fees. 
We need your help to fight this company trying to take our home unlawfully. They won't take payments but they want payments. What they say on the phone is not backed up with what they mail to us. We are living in our home now. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Loan Number XXXX Home Preservation Client Representative : XXXX XXXX XXXX XXXX Ext. XXXX Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX