davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My name is XXXX XXXX and I believe that you have on file XXXX XXXX consent to speak with me regarding her account. I spent a great deal of time last night on the phone with one of your supervisors, XXXX, regarding this account and I think we have been given incorrect information. 



I

was told last night that when the servicing of this loan was transferred to you, it was transferred without a line for taxes to be escrowed, only insurance. Not sure whos mistake that was and no one seems to be able to tell me since this loan was escrowed for both taxes and insurance until it was transferred to you. The escrow account was not analyzed after transfer until XX/XX/XXXX when you sent the borrower a check for overage but did not inform her that you were no longer collecting for taxes. Then in XXXX XXXX XXXX you received notification that the taxes on the property were delinquent and you paid them. Again, no escrow analysis was performed and the borrower was not notified that taxes were not being collected. Another year went by and you were again notified that the taxes had not been paid, so you paid them again without notifying the borrower that anything was wrong. It wasnt until XXXX XXXX XXXX that you reanalyzed the account and notified the borrower that her escrow account had a HUGE shortage in it and you were increasing her payment from XXXX to XXXX, an increase of over 50 %. 



When I spoke to the supervisor last night I was informed that CFPB regulations prohibit spreading an escrow shortage over more than XXXX  months, this is not true. I was also told that XXXX XXXX could make principal and interest only payments and send in whatever she could afford extra to put towards the shortage and would not be considered delinquent on her account, this also is not true. XXXX XXXX attempted make the P & I payment last night while we sorted out this mess and the payment was rejected by the system because it was not the full amount due. 

XXXX XXXX understands that the taxes had to be paid and that the escrow shortage has to be repaid but can not pay the shortage over such a short period of time. Im sure that we can come to some type of agreement to spread the shortage over XXXX months for her considering the circumstances. Please advise how you would like to proceed as soon as possible. If we can not come to an agreement, my only other advise to her is to contact the CFPB and file formal complaints and seek the advise of a real estate attorney. Please copy me on all correspondence to the buyer until this matter is resolved.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Over 1 year ago I removed all credit freezes from the credit bureau to secure a home loan. Within that time I have checked my credit corrected errors and updated information. My loan file can not move forward because Equifax now has an extended fraud alert and a telephone number on my file that I haven't used in decade. I called in verified my identity and can not get expedited assistance for my file to go back to underwriting
Consumer complaint received 2022-03-02
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. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2024-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I set up an external account ( XXXX XXXX ) to transfer money to the 5/3 account and now 5/3 has cut off the external account feature. This makes it inconvenient and time delays in depositing money into my account. My 5/3 account is overdrawn and 5/3 has charged over {$100.00} dollars in fees. This is exploitation. Not only have they cut off access for my to provide funds immediately by electronic transfer, but they are charging fees for the overdrawn account.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

On XX/XX/year> I received a letter ( attached ) from Mohela stating that my student loans have been forgiven due to qualifying for the Public Student Loan Forgiveness Program. My account balance became {$0.00} and shortly after, these loans have dropped off my credit reportXXXX days ago I receive another letter from Mohela stating that I have payments due on my loan. I called Mohela who stated that my forgiveness is being reversed and I now owe more on my loans due to the interest that has accrued during the time that I was told my loans were forgiven up until now.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MI)

This is a bill from XXXX XXXX XXXX XXXX and internet service, I moved to the address listed in XXXX XXXX My price for cable, internet and XXXX channel was {$12000.00} monthly. The sales rep lied and said my service would be available in three days after I moved in. It took two weeks before my service was available. Then when the person who installed the cable did not have the order to put in my channels. When I called to let them know what was going on. XXXX XXXX XXXX  tried to charge me a higher amount for the XXXX channel. When I complained XXXX XXXX XXXX said we will give you XXXX free for a month for their mistake, This was a bait and switch. XXXX XXXX XXXX  quoted one price and tried to charge another. 

At the end of XX/XX/2019 my price changed, I called customer service and they changed it to the correct amount again, This went on for three months, I paid my final bill canceled my service. This bill was paid in full and if this on any credit report I want it removed. My last bill was paid over a year ago.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-03-28
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. (PA)

The information currently reflecting on my personal credit from " XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file. This account was refinanced during a divorce proceeding as well.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX.  This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.
Consumer complaint received 2022-03-02
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. (NJ)

Experian is still reporting inaccurate information XXXX XXXX is paid in full never late but Experian is reporting a late Payment I have sent in multiple validation letters they have yet to validate any one of the XXXX accounts Unrecognized account XXXX XXXX is still reporting
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kansas Counselors, Inc. (MO)

Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX I mailed a verifications f debt letter to IC Systems. On XX/XX/XXXX they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I was advised by the representative that they forwarded the letter on to XXXX XXXX who was the original creditor but that they did not receive a response. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. 
I was told that they would not remove it then they agent again attempted to collect on the debt. 
The amount of the debt shows to be {$950.00} opened on XX/XX/XXXX last report XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX and Equifax have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX I have disputed the problem several times. In XXXX of XXXX my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: Dynamic Recovery Solutions, LLC (GA)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : 1 691 75501 which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 1 5 USC 1 681 c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2023-01-27
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, this account must be validated Please help me with verifying the account in order for this matter to be resolved promptly. 




































Here is the account that needed verification : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (TX)

I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.
Consumer complaint received 2017-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit reports Trans Union, XXXX, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (AL)

an account was opened in my name in XXXX  at a XXXX XXXX XXXX  This is not me I have never opened an account at this company. I was made aware of the situation when I bought my new car. XXXX reported it on the credit report I have reached out to XXXX and also the company that reported it as not paid and turned over to collections. The company in question is ACIMA DIGITAL XXXX.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

On are around XXXX/XXXX/XXXX I filed a dispute with Experian Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX/XXXX/XXXX I received a some what intimidating letter from Experian ( Exhibit XXXX ) that did n't address the dispute so I did n't response by phone or letter. On or around XXXX XXXX, XXXX I send another letter certified to Experian ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX all I received about my dispute from Experian Is a threating letter. I will mail all supporting documents
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for an American Express Delta Sky Miles Card while I was on a Delta flight in XX/XX/2019, and started using it in XX/XX/2019. 

Regrettably, I had ONE mistake when I forgot a payment, but, I paid it off in full before the 60 Day Mark ( XX/XX/XXXX/XX/XX/2019. ) I have since set up autopay so I have never missed and will never miss a credit card payment instead.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NE)

I signed up for a  XXXX   credit score m onitoring. I was then charged  XXXX , the representative first says she sees the charge but then says she is unable to refund it because it has n't showed up. I called the company the same date and they will not help me.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

To Whom It May Concern : Comenity- My XXXX XXXX XXXX XXXX XXXX 2017 This is customer, account ending # XXXX .... I just finished a conversation with XXXX XXXX XXXX XXXX XXXX phone number, Account Manager XXXX # XXXX and Floor manager, XXXX # XXXX, about my interest charges. We make our payments on time and pay in full every month. I was told that we are being charged interest on the purchases made between the closing statement date that are NOT on the statement or reflected in the amount due. ( Trailing interest )??? If the amount due is paid in full and received on time, HOW IS THIS LEGAL, to charge interest charges which ARE NOT on the statement. I was told that I could call every month to see what purchases that have been made and the amount owed in addition to the STATEMENT AMOUNT in order to avoid interest charges. These terms and conditions, stated by the account manager, were changed in XXXX 2017 without my consent. Thank you XXXX XXXX XXXX XXXX XXXX XXXX