davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (IL)

My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2022 I mailed Capital One a certified letter via the XXXX, which they received on XX/XX/2022. In the letter ( attached here ) I made Capital One aware that I did NOT agree with the amount of the alleged debt Capital One reported to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid for account # XXXX. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Capital One nor any of the documentation I requested to prove their claim is valid.
Consumer complaint received 2019-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have tried contacting Equifax several times to dispute unauthorized inquires on my credit report but they have been unwilling to address the issue. I filed a complaint against transunion and as a result of their investigation they removed the unauthorized inquires. I spoke to someone at Equifax a week ago who said all I would have to do is fax them a copy of the investigation results and they would remove the inquires in 5 days. I sent the fax containing the results from the investigation the same day he requested me to. I called back on yesterday, which was the 7th day and was told they couldn't do anything I needed to file a complaint with the Federal Trade Commission. I went to the FTC website to file complaint and they directed me to the CFPB to file the complaint.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

The mortgage serving company, Rushmore Loan Management Services, LLC, purchased lender placed hazard insurance for my property, without my authorization or consent, despite the fact that I already had property insurance of my own. 

This resulted in an increased monthly payment being deducted from my account, again without my authorization and consent, and my being overcharged in the amount of approximately {$110.00}. It also resulted in my records reflecting an increased monthly amount, and my being improperly charged a late fee of roughly {$120.00}, despite the fact that I have timely made all payments. 

I have made roughly 8 calls to Rushmore 's customer service and insurance department in an attempt to get this issue resolved and have been given the " run-around '' time and time again. 

This is possibly the most dysfunctional financial services company I have ever engaged with and I would encourage the CFBP to take any and all steps they are authorized to take
Consumer complaint received 2022-06-15
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. (FL)

On XX/XX/2022 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 instruction.
Consumer complaint received 2022-06-15
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: SYNCHRONY FINANCIAL (NV)

I purchased shoes from an online company called XXXX using my Sams Club Synchrony Bank Master Card. XXXX sold me counterfeit shoes and after months on back and forth emails they would not refund me for the shoes. I had even sent them back the shoes because when I informed my credit card about the situation the first dispute they sided with the seller because they said I still had received a pair of shoes and even though I provided sufficient documents proving the shoes were in fact fakes and the sellers were unwilling to assist me, my credit card could not do anything as I was in possession of a product. I informed them it was illegal to sell counterfeits and try passing them as authentic in the United States but my credit card rep was not willing to assist me further so I shipped the shoes back hoping my credit card would assist me and as of XX/XX/XXXX my credit card company has gone silent on me and has not returned my calls.
Consumer complaint received 2022-06-15
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. (TN)

I contacted Transunion with a notice stateing that I had had my identity stolen. I put a stop on my credit report, and sent in the police report attesting to this. However, transunion is still allowing these items on my credit report, even though they are fraudulent.
Consumer complaint received 2022-06-15
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. (TX)

15 U.S.C. 1681 a ( 2 ) states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of- ( 2 ) a copy of an identity theft report. 

To which case, this happened to be XXXX XXXX ( XXXX XXXX )/
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (SC)

XXXX insurance company reported me to Credit Collection Services for a amount they say I owe simply because I cancelled my policy ; which I had previously paid in full. As a result I have to fight with the collection agency to keep if off my credit report which I value greatly. They are doing this out of spite & have no proof or reason to report me to the credit collections. I proved to them all the things they asked to show that I didn't owe them anything but the disregarded the information.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (VA)

American Express is sending text messages with information of my account activity, including charge balances, to an unrelated third party. That individual contacted me in XXXX to notify me of his receipt of these messages. I have called American Express four times to try and have this corrected. I was assured in XXXX that the issue had finally been rectified. Today, the individual sent me a screen shot of his text message from American Express with my account information, including current account balance. I fail to understand why American Express can not correct this egregious security breach.
Consumer complaint received 2022-08-25
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. (MD)

n accordance with the Fair Credit Reporting act Credit Inquiries XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX XXXX.
Consumer complaint received 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (AR)

I was under the impression that I was paying {$55.00} a month for a used washing machine. They are taking {$55.00} out of every paycheck. I also purchased a warranty. Apparently the washing machine I will end up paying {$1500.00} is only worth {$280.00}. Discounted appliances in XXXX Arkansas will not replace the broken washing machine they sold me nor will they honor the warranty I purchased in their store. Ive had no luck contacting the store or the warranty people so this is all an apparent scam.
Consumer complaint received 2022-08-25
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. (MO)

I have noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-05-04
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. (TX)

I have a car loan that is reporting on my credit report. I never received a letter stating how much it was sold for or current balance. They are still reporting incorrect balance because I never did receive that information. I have tried to reach out them but they have not responded or keep trying to verify incorrect information. I want it removed from credit report. 

It is a car loan reporting for XXXX XXXX that was a charge off. This information is not correct and noone will respond.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.
Consumer complaint received 2020-12-15
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. (CT)

I disputed to experian that the company " XXXX XXXX XXXX '' was not opened by me it was a fraud and it will not remove the debt from my credit report this is not the first time my identity was stolen I did not open that account and would like to have it removed off my credit report.
Consumer complaint received 2022-07-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-12
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. (TN)

Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX report a negative balance on my credit report causing my score to go down. XXXX XXXX then closed my account and hasn't returned and interest to me. XXXX XXXX is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2022-06-15
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. (TN)

XXXX XXXX report a negative balance on my credit report causing my score to go down. XXXX XXXX then closed my account and hasn't returned and interest to me. XXXX XXXX is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2020-12-15
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: First Investors Servicing Corporation, Atlanta, GA Branch (NJ)

In XX/XX/2019 FIRST INVST SVC/FIRST added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, FIRST INVST SVC/FIRST has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2020-12-12
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: DISCOVER BANK (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-07-21
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. (WI)

XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Delete hard inquiries off my account.