davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (CA)

I had a fire claim for which XXXX XXXX issued drafts in four ( 4 ) different payments jointly to myself and the residential mortgage company, Paramount. Paramount received these checks on the following dates : ( 1 ) XX/XX/XXXX for {$12000.00} ( 2 ) XX/XX/XXXX for {$56000.00} ( 3 ) XX/XX/XXXX for {$950.00} ( 4 ) XX/XX/XXXX for {$1100.00} According to XXXX 's company policy, they are to disburse as follows : For checks less than {$10000.00}, ie. for checks ( 3 ) and ( 4 ), they are to endorse the checks and send them to me within five ( 5 ) business days. For checks over {$10000.00} but less than {$20000.00}, ie. for check ( 1 ), they are to disburse 90 % payable to me within five ( 5 ) business days with the remaining 10 % released upon an inspection showing 100 % complete. For checks over {$40000.00}, ie. for check ( 2 ), they are to disburse an amount of {$40000.00} or 10 % of my unpaid principal balance, less 10 % holdback for final inspection, whichever is greater, jointly issued to me and my licensed contractor within five ( 5 ) business days. 
To date, the only disbursements I have received are related to check ( 1 ) : I received an amount of {$4200.00} on XX/XX/XXXX and a subsequent amount of {$7200.00} on XX/XX/XXXX, leaving a balance of {$1200.00} remaining. For the other checks ( 2 ), ( 3 ), and ( 4 ), I have received nothing. 
Confirmed by Paramount, they are in receipt of all required documentation, including a 75 % inspection report dated XX/XX/XXXX and a 100 % inspection report dated XX/XX/XXXX, in addition to a lien release by my licensed contractor, for which I also have copies. 
Here are the issues to date : ( A ) Paramount is not releasing any funds, is not in communication ( not returning phone calls or emails ), and is not in compliance with policy for disbursement. We are currently owed {$60000.00}. 
( B ) Paramount applied checks ( 2 ) and ( 3 ) to a different account ... They claim this has since been corrected, but I have still not received any disbursements from these checks. 
( C ) Paramount mistakenly sent me a check for a unknown insured party ... for which they have still not sent a return mailing label. 
( D ) Paramount 's latest email communication of today XX/XX/XXXX states that their latest inspection report is for only 50 % completion, yet I received copies from the inspection company on XX/XX/XXXX confirming 75 % and on XX/XX/XXXX confirming 100 % completion.
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

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

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-11-05
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)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2022-01-13
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. (IL)

I have been a victim of identity theft. I disputed accounts with XXXX, XXXX, and Transunion. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

I received was served a summons XX/XX/XXXX from LVNV Funding. I do not owe LVNV Funding any money nor do I have a debt with this company. I have any outstanding debt with XXXX XXXX XXXX. I enrolled in a debt consolidation program XXXX, XXXX with XXXX and have made every payment timely. This XXXX XXXX XXXX debt is part of my debt consolidation. 

I received a letter from XXXX XXXX XXXX XXXX XXXX and XXXX dated XX/XX/XXXX. I contacted the office XX/XX/XXXX to explain I do not owe LVNV Funding and I am currently enrolled in a debt consolidation program ( I will complete the program in XXXX, XXXX XXXX. 

The Law Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX I spoke to XXXX and tried to explain I am in a debt consolidation program and the debt will be settled with the original creditor. XXXX became rude and hung up in my face. I then contacted XXXX and gave them the information. This is unacceptable and I would like this matter published and handled. The lawsuit is bogus I do not owe LVNV Funding any money!
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

On XXXXI sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A. (GA)

I found a CITI bank card not activated in deceased husband 's old desk drawer with my name on it I was not aware of it. I had my own credit cards. XXXX didn't request it, nor did I. They were the only company who did not write it off. My cards are all deactivated/closed. Either a plant or a premeditated identity theft link to his cr. Line loan.
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (VA)

I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, XXXX and Experian reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

we refinanced our mortgage with wells fargo, our contract agreement, wells fargo pays from escrow our taxes and property insurance. I have been receiving letters from berkhiemer stating the taxes are not paid and it will be turned over to the courthouse. With numerous attempts with wells fargo the problem is not resolved.
Consumer complaint received 2018-02-12
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: EQUIFAX, INC. (VA)

I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, Equifax and XXXX reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Consumer complaint received 2022-04-30
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. (AL)

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 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 2022-01-13
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. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX XXXX XXXX XXXX, It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-13
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. (GA)

Transunion XXXX XXXX is reporting unauthorized information on my credit profile. 
Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-30
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. (PA)

i have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... XXXXthey did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I visited a stand-alone Bank of America ATM at XXXX XXXX in XXXX North Carolina and attempted to withdrawal {$440.00} from the ATM using my Bank of America issued unemployment card. The ATM did not dispense the money and told me that the transaction would be reversed. No receipt was printed out. I then stepped to the ATM next to it ( also Bank of America ) and attempted to withdrawal the money from that ATM, as I needed the cash to pay rent, which was due that day. When I requested the money, however, I was declined due to the fact that the transaction that did not result in me receiving my cash was NOT reversed/cancelled in their system, and my account was debited the entire {$440.00} which I received none of. I opened a claim that day, and it took until today ( XX/XX/XXXX ) to succesfully get the claim opened and an " investigation '' initiated. I was told that I would receive a letter about the banks decision in 45 days. As this is an extreme financial burden to me which has already cost me {$50.00} dollars in late fees for my rent, and Bank of America is the only entity at fault in this situation, I feel as if this situation should be expedited or a provisional credit should be issued by the responsible party until they do finally get around to it and see that they indeed rob me of money that was rightfully mine.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XX/XX/2020 : Received email notification of account balance, which was {$77.00} more than anticipated. 
XX/XX/2020 : Pulled up new statement which had a {$75.00} balance transfer fee of which I was unaware. Called Citibank and was told that there was a 5 % transfer fee on an advance made on XX/XX/2020. I explained that there was no notification of a transfer fee on the transfer check. 
I was transferred to XXXX, Account Manager in the Client Advocacy Unit and was told that the fee was noted on the first page of the letter of qualification ; not on the checks. I indicated that had I known of the fee I would not have requested implementation of transfer check. I then asked if she could send me a copy of the letter, not necessarily my specific letter, but a formatted letter that was sent out - no name, address, or account information on it. Just the form so I could see for myself where the fee notification was stated. She told me to look at the letter which was sent to me. I explained that once I used the check, I shredded the packet, which included the letter and additional checks which I did not use. She said I needed to wait until Marketing sent me another offer-letter packet to read the verbiage. She couldn't tell me when that might be. I requested that she have Marketing just send me a blank packet which was voided. She told me that she could not. I asked her to waive or reduce the fee if I paid the balance off today. She said she could not do that. I asked her to speak to her supervisor and was told that there was no one over her. ( She actually said that! ) I then asked which federal agency regulated her bank and she said I would need to do my own research. She couldn't tell me that.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

The original loan for a new home purchase was through XXXX XXXX  who then sold off the loan to XXXX. My wife was qualified on her own for the mortgage initially and then her job and income changed dramatically due to unforeseen circumstances. Once we had trouble meeting the mortgage we contacted XXXX to explain the situation and the change in income. They offered us a forbearance plan for 3 months which we met the conditions and paid the required amount on time for the 90 day period. XXXX then said they wanted to work on a '' Loan Modification '' for us which started in XX/XX/XXXX. When I went to make the monthly mortgage payment we were blocked from paying through the website as we had done in the past. When I called them to make the payment I was told by them that no payment can be accepted during the Loan modification process. I again tried to pay n XX/XX/XXXX and was told again they could not accept. We just got a notice from them that the Loan modification was denied for the reason we did not respond in time. We responded immediately and on time to every request we had from them and have records and copies of everything showing we did. They have allowed a large debt to grow for failure to accept the payments we attempted to make every month. They are all over the internet for fraud and deceptive business practices and feel they are trying to set us up to take our home.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (CA)

Few months ago, I had discovered that I was a victim of identity theft. I discovered that someone unknown to me had used my personal information to open an account with XXXX XXXX. As soon as i find out about this account i did file an identity theft report and i sent a copy to XXXXXXXX XXXX  and sent copies to all three major credit reporting agencies. i requested from XXXXXXXX XXXX XXXXhat comply with my request in the following matter, Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I also requested that do the following. 
Stop reporting false information about this debt to credit reporting companies Provide me with the records I requested. 
As of today, I have not received no documents supporting the information they are reporting to the credit bureaus. Which is damaging my benefits that i can have with good credit. If you look at my credit report not only you will see excellent credit history for over twenty years you will also see the high limit credit card not XXXX dollars that the are reporting falsely under my name. today i checked my credit report my credit score dropped XXXX points and they reported false information that i made partial payment with no evidence to the credit bureaus and me.
Consumer complaint received 2022-01-13
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. (FL)

I authorized XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX run my credit one time for an auto loan. They ran it three times. To date they have not removed the unauthorized inquires.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (GA)

Professional Debt reached out to me and informed me that they submitted in deletion of requests to all the bureaus. I reached out to Equifax and saw that the account is still on my credit report. I have attached the Professional Debt letter that was attached stating the account needs to be removed. Please delete and remove this account! I also requested for the XXXX XXXX inquiry to be removed.