davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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. (CA)

On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from Experian, XXXX, XXXX XXXX.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I received a Good Bye Letter, dated XXXX XXXX, XXXX, from XXXX XXXX notifying me that the servicing of my home mortgage loan had been transferred to Specialized Loan Servicing, effective XXXX XXXX, XXXX. I also received a Final Escrow Review Statement from XXXX XXXX dated XXXX XXXX, XXXX. 

For the last two years my payments have been on time and my home insurance and city taxes have been paid via the escrow account. The payment became due on the first of the month and I have been paying via my XXXX XXXX online no later than the XXXX of the month. Via my online account i could view prior payments and payments made from my escrow account. 

When I logged in to my XXXX XXXX account this weekend it was not possible to pay online. When I called XXXX XXXX I was told to contact another department ( XXXX ) during business hours. On Monday morning I called and over the phone was given my new loan number with Specialized Loan Servicing and another XXXX number ( XXXX ) In the last week I was unable to contact a live human being at SLS to discuss the status of my loan and the escrow account. I have two options to make a payment Online via XXXX and XXXX XXXX with a {$9.00} fee Via an automated phone system, with a {$9.00} fee Since I have no other options Ive made the XXXX payment today, XXXX XXXX, XXXX online.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

I contacted Loan Depot on the week of XX/XX/XXXX to turn off ACH/Autodraft because I'm selling my home. They confirmed that day that it was turned off and that I would not have to pay my mortgage because the owed amount would come out of closing. I also was contacted by my title company and loandepot on XX/XX/XXXX for a payoff confirmation and during the call I had them confirm that autodraft was off, which they stated it was. On XXXX, they withdrew XXXX from my bank account causing me financial distress. I spoke with them the same day around XXXX and they told me it would be 48 hours before I saw the money back in my account. I spoke to them almost 48 hours later because I saw no pending transaction in my bank account. They stated that it was completed today and I would see the money later today or tomorrow deeming the previous statement a lie. I'm very concerned that I might not see this money back. Are they allowed to take money out of my account even after I have explicitly denied them authorization on multiple occasions?
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

Capio partners reported a debt on my credit report in the amount of XXXX XXXX XXXX XXXX XXXX. For one, I have never received a notice from Capio Partners in the mail that I had the right to dispute the debt or any validation from them regarding this debt. This was reported on my credit report without notifying me or sending me anything in the mail. If I would have received anything, I would have been able to contact them and let them know that I had I insurance to cover this bill and XXXX XXXX had a billing issue. 
They violated the Fair Debt Collection Practices Act by not notifying me that I had the right to dispute this alleged account nor did they validate this account as required by law.
Consumer complaint received 2022-11-17
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. (FL)

In accordance with the Fair Credit Reporting Act the below listed Accounts are violating my rights XXXXXXXX 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 XXXXXXXX 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 2022-04-26
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: Verisk Analytics Inc (KY)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

My mortgage was with Well 's Fargo Home Mortgage. In past I have had a number of issues with this company & reported them @ leaset 2-3 times for these issues. Therefore I recently refinanced my home with XXXX XX/XX/XXXX since this is my current bank & plus interest rates came down. Also I wanted to get rid of Well 's Fargo because of all the errors they have made over the years. My Mortgage was paid off in full on XX/XX/21 by my XXXX new acct. BUT to date, XX/XX/21, Well 's Fargo has NOT sent me my escrow monies. Yes I did call them & supposedly was told sent on XX/XX/21 BUT why were they awaiting so long to release my escrow? Were they awaiting to get any interest on these funds?? I am unsure how the banking system works, yet in todays economic climate, as soon as my mortgage was paid in full by XXXX, Well 's Fargo should have released my money. Again today is XX/XX/21 & I have NOT received my funds. THIS is like my 3rd complaint about this banking company & something should be done re : their inept practices. 
I have been a dedicated consumer & was way ahead on my mortgage payments. In fact my next payment, IF I stayed with them, was due XX/XX/21. So show respect for a dedicated consumer.
Consumer complaint received 2020-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I reached out to Transunion in order to dispute inaccurate negative accounts on my report. I never received any investigation results from them to date ( XXXX ). Transunion received my dispute on XX/XX/2020 and have not investigated these incorrect accounts. This is hurting my credit immensely! The incorrect accounts are from XXXX XXXX XXXX {$800.00} and from XXXX XXXX for {$1300.00}. I have disputed the accounts with the creditors directly with no response for my debt validation request.
Consumer complaint received 2022-04-26
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. (MD)

I did not authorize the credit application made by 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 3. XXXX XXXX on XX/XX/2022 I believe someone used my social security
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX  CARD XXXX
Consumer complaint received 2020-12-01
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 have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received edd card on XX/XX/2020 and atm ate the card on XX/XX/2020. Ive reached out and the account got a hold. I was never given a reason why my card was taken to begin with. Ive contacted Bank of America through customer care, done a customer care contact form, emailed govandcorp@prepaidcard.bankofamerica.com, visit Bank of America on twitter and still nothing has come of it. As a direct result of this I have been evicted and I wish to settle this once and for all.
Consumer complaint received 2020-11-17
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: Mercedes Benz Financial Services (HI)

On XXXX XXXX, 2019, XXXX/MERCEDES BENZ XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-12-01
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 dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-11-03
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. (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2020-09-01
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (PA)

I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. On XX/XX/2020, XX/XX/2020, XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. This is to confirm that this is sent directly by me. 
Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you. 
Once again this this complaint is being sent directly by me.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

Yesterday, XX/XX/2020 I tried to pay my mortgage for XX/XX/2020 online. The website had changed and now won't let me log in until I put in a 6 digit code that they allege was sent to my email. I have never received that code from them, despite trying multiple times to log in. There is no " retry sending code '' button. It just never arrives. I tried calling their hotline, XXXX, but they have said 6 times now that there are no operators to help. I called at XXXX, XXXX, and XXXX yesterday, and XXXX, XXXX, and XXXX today. Each time I call the automatic operator says that no one is there to help me and to call back. They won't even put me on a waiting list or give me a call back option. It literally hangs up on me. I can't seem to speak to a human about this issue with the website. I can excuse the code not sending, although it's annoying, but they should have operators available. I'll wait an hour if I have to, but they won't even let me wait. 

I think I have to mail them a check which I do not trust. Also, there is a fee to pay over the phone. 

Name of the company is Cross Country mortgage.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TN)

I checked my credit report and there were several collection accounts from XXXX XXXX. I looked into the debt and saw that XXXX XXXX was collecting for accounts opened at stores through Synchrony Bank. I did not open these accounts and I don't know where they came from. The address they have on file is in New York. I do not live in New York nor have I ever. The accounts were at a company called Care Credit, Rooms to Go, XXXX, Pearle Vision, XXXX XXXX.
Consumer complaint received 2021-04-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MN)

XXXX XXXX was closed by the state of Minnesota via Governor mandate from the dates of XX/XX/XXXX, reopened at 25 % capacity from XXXX and closed again from XX/XX/XXXX to mid-XX/XX/XXXX. We had almost XXXX income at no fault of our own. As XXXX XXXX XXXX our top priority was keeping our staff paid. My husband called Ally and explained our situation. We were told special considerations would be made for late payments during government mandated shut downs due to the pandemic. We were marked down as late for both XXXX ( preparing for shut down round two ) and XXXX when we were completely closed. Both months we were 1 day late - scrambling to pay all of our bills with no aid available at that time. Again, the small business community gets absolutely abused by those unaffected by this pandemic. Even being told we would receive special consideration on reporting due to the circumstances due to the pandemic but not having that honored. We filed a dispute through XXXX and instead of removing our late payments from XXXX and XXXX they CHANGED them to XXXX and XXXX when we werent closed. How is this legal and how is this possible. Even though we werent closed during those months we were operating at such a reduced capacity I think it is beyond reasonable to not submit negative reports to XXXX XXXX  who were subject to significant limitations and closures to their XXXX.
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

My home was damaged due to Hurricane Ida. I am currently displaced in Texas. Carrington placed me on forbearance from XX/XX/2021 to XX/XX/2021. Per my desk adjuster, the repairs will take at least 8 mths. I would like to apply for HAF. I have called many times and still no answer. Only Robotic ... press 1,2,4,5 etc ... How can I apply?
Consumer complaint received 2020-09-01
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. (MI)

I am disputing XXXX  cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/XXXX, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with XXXX and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

A citizens one account that I never opened or have access to appeared in my credit report for an amount owed of {$5800.00}. I've contacted the citizens one company and provided them with my social and they keep saying there isn't an account opened with that social, yet that account and amount appears in my credit report.