davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC (OK)

Truhome solutions from XXXX ks. One year they failed to pay XXXX home owners insurance from my escrow account resulting in me nearly losing my insurance. I paid it from my personal account to prevent not having issuance. According to XXXX the bill was sent and payment never received. Last year I switched to XXXX XXXX XXXX which had a lower yearly rate and they sent the wrong amount out of my escrow account. They sent what XXXX was charging to XXXX XXXX  and the difference was about {$600.00}. This year I switched to XXXX and I paid directly out of my personal bank account. I contacted Truhome spoke to customer service informed them of new policy obtained an email address to send me policy advised them I paid in full and they only needed to file the new policy NO PAYMENT needed. I was given a new escrow analysis and refunded the overage at that time. After this, they turned around and sent XXXX payment from my escrow account. I got a refund from XXXX, had to deposit it and then pay back my escrow to avoid my payment going up about {$110.00} for XXXX. This company is HORRIBLE at servicing loans. Time and time again they continue to mess around with my escrow and make my monthly payments go up. At this point ( 3rd time ) I do believe it is intentional. I am requesting oversight by the government to look into this company and their practices. It would be very easy for this company, with their current fraudulent practices to create a delinquency issue for someone who hasn't been watching them closely. Have they done this to others? How many times have they failed to pay insurances allowing them to choose the insurance company? Are they receiving kickbacks from insurance companies in this practice? How many other accounts are they suspiciously fluctuating their monthly payment? How many of these cases resulted in foreclosure? These are some questions I have about this company. Please look into my case in particular and see if this looks odd to you. It has happened 3 times since they took over.
Consumer complaint received 2022-05-19
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. (FL)

I contacted Equifax to let them know they are not reported accurate information on my XXXX  account I advised that the balance owed is not the amount being reported and the High balance is incorrect as well they stated they did an investigation and it was accurate I advised that According to the company and the other two credit bureau the balance is not correct
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

Great day hope all is well! 

My bank Citibank charged me {$130.00} in overdraft fees along with {$12.00} monthly fees. I am experiencing financial challenges at the moment, with this information I am requesting my {$130.00} to be returned to me because I can not afford to pay the bank this fee and not sure why some of the fees were assessed to the account.
Consumer complaint received 2019-11-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (FL)

I previously submitted a dispute for Santander on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful practices
Consumer complaint received 2022-08-30
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: National Credit Adjusters, LLC (AL)

THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT
Consumer complaint received 2019-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

My loan was transfered from XXXX to XXXX  XXXX  XXXX. I mistakenly made my XX/XX/XXXX mortgage payment to XXXX after the transfer date. I sent the payment on XX/XX/XXXX. XXXX said they sent the payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX has not recieved the payment. XXXX sent me a letter stating they recieved the payment and forwarded to XXXX XXXX bit they will not provide me any tracking info. XXXX XXXX has stated it takes 30 days to " hit '' my account. That changed to 45 days and now 60. I filled a missing payment request with XXXX XXXX. I was told it takes 7 to 10 business days to investigate. It now has been 13 days with now results. XXXX is unwilling to help me at this point and XXXX XXXX keeps putting me off. At this point no one can account for the {$1700.00} payment I sent for XXXX. XXXX XXXX wants me to make my payments like normal but I feel the longer it goes the more complicated this gets. I need to get the money applied to my account so I can get straightened out.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (FL)

I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

I had a court date for XX/XX/21 for a judgement hearing, got many cards mailed to me from the court to remind me of my court date, also received phone call on XX/XX/21 which was a Friday from the court clerk reminding me of my court date for the XXXX. On that following Monday XX/XX/21 a judgement was entered against me from this debt collector Hayt Hayt & Landau, same court, same judge for my court date on XX/XX/21. How does that happen? Filed earlier complaint against this debt collector, I stated that I never got the respond back to their answer on my side, never the less, they stated in that complaint that they sent me the verification I asked for. They never did, I'm stating that here now also.
Consumer complaint received 2022-05-19
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: NCB Management Services Inc. (NJ)

Complaint ID XXXX has ben closed without proper documentations being provided and within the appropriate time frame. Per NCB they claim to have provided the necessary documents to verify or validate the alleged debt.

As Per CFPB 1006.34 Notice for validation of debts all items should be provided and I have not received these in its entirety and for this should be removed from my consumer report immediately.
Consumer complaint received 2022-05-19
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. (NJ)

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. XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (CA)

This company did not announce they were a debt collector when calling me. they answered " hello this is XXXX '', then told me I owed them something when It wasn't even me, they were calling for the wrong person. they did not clearly state they were debt collectors and any information collected would be use for collection perpouse
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (AZ)

I receievd an alert on my creit report that there was a reported charge. I satisified the debt with the orginal organization XXXX XXXX XXXX on XX/XX/2022. The negative remark showed up on my report on XX/XX/2022. When I called Radius Global Solutions the agent did not try to take my complaint but immediately began to tell me that it will be on their for 7 years and tried to sell me something to have it removed. 

This should have never been on the report and the credit collection company should NOT be selling me something to have it removed or threaten that it will remain for 7 years when it should have never been submitted. I want all credit bureaus updated and this item removed. Their practives of threats to stay on a report for 7 years is highly inapporiate and when disputing something selling a product prior to addessing the concern is bait and switch practive that if i dont buy it stays on my report,
Consumer complaint received 2022-09-01
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. (CA)

In accordance with the far credit reporting act " XXXX XXXX '', has violated my rights. 
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 an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Several transactions are continuing to come out of my business account. I am currently negative and need my funds to work! The transactions are large amounts and are originating in XXXX. 
The dates and amounts are : XX/XX/XXXX {$310.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} Pending charge after debit card was cancelled for {$310.00}
Consumer complaint received 2022-05-19
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. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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 my written instructions.

15 USC 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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2022-05-19
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. (MA)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-19
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on Transunion as a different date compared to XXXX and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : States a consumer reporting agency can not furnish a 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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (CO)

I'm writing this email to raise a dispute request against a derogatory remark on my credit. 
Case details are as follows : Original Creditor : XXXX XXXX XXXX Collector Agency : Radius Global Amount Due : XXXX As on XXXX Radius Global Solution, who is acting as collection agent for XXXX, put a derogatory remark on my account for not paying USD XXXX. 

Whereas in reality the same was paid directly to XXXX XXXX directly from my HSA account. At the time of payment I had no information for Radius Global Solution as in how to pay them So I made payment in full to XXXX. 

Although I paid the balance in full to XXXX and because XXXX has not updated anything from their end, there is an unnecessary derogatory remark on my account. 

Upon request I can provide the proof of payment. 

Kindly urgently look into the matter and request you to update the records asap by removing the derogatory remark on the account. 

It has damaged my credit score at great length without any fault from my side.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have requested numerous times that an executive calls me. I was also told by an " executive coordinator '' would be in contact with me. No one has called me yet, in which this was over a month ago. Their employees provide customers with false information and provide POOR customer service. Both accounts have been paid on time for over 2 years, in which they fail to increase the credit limit on both accounts. Several of their reps have told me that there is an option to have my credit card accounts, " manually reviewed '' and others have said that this is not true.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've already spoken to TransUnion as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. 

My FTC case numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Here 's the list of the unauthorized inquiries : 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  My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over XXXX years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (FL)

I've contacted Equifax Information/Consumer Services every day for the past 16 months. My information was compromised and although I sent in, police reports numerous times and identity theft reports that were filed. My information was not corrected, only verified as factual. 

I asked numerous times to have a security freeze placed, and although they confirmed it was done, it was not as I received notifications of my report being pulled ( hard inquiries ). This is ridiculous as they all say they same thing as they are trained robots or reading a script but not helping the people that are suffering from their lazy, inaccurate work. 

I have been forced to withhold my hand in starting life due to the incorrect information being reported that is proven to not be mine.
Consumer complaint received 2022-05-19
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. (GA)

I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX