davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I did a refi in XX/XX/2021 to lower my mortgage payment. The refi paperwork reflects my escrow account was fully funded & accounted for in the refi.

In XX/XX/2021, the mortgage company refunded me {$3400.00} as a surplus in my escrow account. My assumption was that the refi caused this overage. 
On XX/XX/2021, I received notification that my escrow account was now short about {$3500.00}. 
I logged in to the property tax accounting website for my county ( XXXX ) and saw that the first installment of property taxes was never made and there was a {$200.00} late fee assessed. I do not receive property tax notifications due to the escrow account. 
Mr Cooper has indicated they paid the {$200.00} late fee out of their own funds, not out of my escrow account. But now my house payment has increased {$270.00} a month as a result of theor mismanagement of my escrow account. 
The fees I paid to do the refi were a complete waste of my money because now my payment is even higher than it was before the refi. 
This is all the result of their error & misuse of my escrow funds. 
They should be penalized for this activity, it is deceptive to lure me into a refi with the promise of a lower payment & then misuse the escrow funds, resulting in me having a higher mortgage payment.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Now this company is reporting on my XXXX credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX  Account # XXXX 60 days XX/XX/2018, and 90 days in XX/XX/2018.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2020-12-21
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account was hacked. Hacker sent a wire transfer instruction for {$40000.00} going to another person at the XXXX XXXX XXXXXXXX. Citibank wired the funds WITHOUT ever verifying with me to ensure I issued the wire instructions. This is in direct violation of the Security Procedures promised by Citibank in Page 19 of its Client Manual. I filed an Affidavit of Unauthorized Online Wire Transfer ( Case Ref : XXXX XXXX ) on XX/XX/2022. So far I have not heard from Citibank at all.
Consumer complaint received 2022-04-18
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. (VA)

In Accordance with the fair credit Reporting act XXXXXXXX XXXX  XXXXXXXX  # XXXX, and XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, And XXXX 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 account without my written instructions.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (VA)

I applied for an XXXX  card after receiving a promotional brochure during a flight on XXXX. I received the car in XXXX but couldn't activate it until XXXX because someone had entered the wrong birthdate. Once I got it activated, I used it to buy another flight on XXXX. MY bill came and I noticed there was an annual fee on it. The promotion I signed up for was for XXXX miles added to my account and no annual fee if I used the card. I have called and talked to numerous people. I have received calls from their billing department insisting that I pay the annual fee and the interested I am now being charged for not paying that {$99.00}. I paid for the ticket but not that annual fee. Finally, someone asked for the promotional code and when I gave it to her, she said I had to pay an annual fee. I was holding yet another brochure in my hand and read to her the statement from the brochure that there is no annual fee the first year if I use the card. I told her I wanted to cancel the card but she said she can't do that until I pay the annual fee and interest.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (IL)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  XXXX Balance {$1000.00XXXX XXXX XXXX XXXX  Balance {$300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-09
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 had previously sent Equifax a Identity theft report in relation to fraudulent information and inquiries that were reporting on my consumer report. I sent the information via mail and also again via fax twice to the fax number provided and the fax confirms it was sent to them on XX/XX/2021. It is now XX/XX/2021, I called Equifax today and their agent stated that they still do not have the Identity theft report that was sent directly to them. I am concerned as to why they gave me a number that doesnt seem to work and then the agent today STILL requested that I fax the documents again to the same number that didn't work the first time. As I stated to the agent I have sent it AGAIN via fax however, I am now sending it through here to have a record and make sure that they receive it. 
There are 2 fraudulent inquiries currently reporting to my consumer report from XXXX and XXXX XXXX.
Consumer complaint received 2021-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XX/XX/XXXX XX/XX/XXXX and Equifax upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX Bal : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00} XXXX. XXXX SELF-REPORTED Account Number : XXXX Bal : {$100.00}
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (SC)

Quick Credit is reporting inaccurate information intentionally to effect my credit score and rating. They are reporting a balance of {$1000.00}. The account was opened at {$350.00} and was charged off approximately 3 years ago. The balance at this time is {$170.00}.
Consumer complaint received 2022-04-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 2020-12-21
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. (FL)

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX-RETAIL : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX CARD SERVICE : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

Possible finance does not have a phone number to contact. When you call the number listed it says this number is not working. I have tried contacting them via email as it says contact us on the site. They dont respond. In fact Ive emailed them XXXX times now. Last message the lady stated she could update my bank account because their system will not allow me. She updated the account and still didnt let me submit a payment. They havent responded again even though Ive shown the error and asked them to submit full pay off through the new account listed. Everytime I submit a new contact request the same lady grabs it and closes it. Now they fraudulently repost two late payments on my credit yet their system wont allow me to submit a payment and they dont respond! Instead they advised me they can report it late and block me from making a payment further damaging my credit this is abuse. They dont allow payment submission purposely and their agent wont respond and wont allow me to speak to anyone.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

To whom it may concern, I applied for a platinum US Bank credit card, they asked for further information which I send them through fax. My driver 's license, my social security card, XXXX banks statements from XXXX different bank account. Thry said that they still couldn't verify me. Called them and they didn't provide me with any information why I couldn't get verified. Since I have send in all this sensitive information and they can't verify me I don't want to have a credit inquiry on my credit report. They will either have to provide me with this information or I have to file a police report. Please advise. Thank you in advance.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

My case number is XXXX. XX/XX/22 a person with a fake ID went into US bank in XXXX XXXX, IA XXXX XXXX XXXX XXXX and cashed a check for {$2300.00} then two days later that same person cashed a check for {$4000.00}. My wife noticed that my savings account was negative {$270.00}. I contacted fraud department as soon as my wife told me. The person I contacted told me that someone had access to my savings account and cleaned out my account. We immediately closed my account and opened another. I told the person that my family had a trip to Texas planned in XXXX and I was remodeling my bathroom that was what that money was for. He told me not to worry They will put the money back in my account. He told me it would take around two weeks. He also told me that this is happening to his bank a lot right now and not to worry about it. Two weeks came and went and no Money. I called back and the person I contacted told me I had to file a police report. I called the XXXX Police and told them my identity and savings account info was being use. Two more weeks went by and no money. I called the XXXX police department and they told me that US bank would not work with them. I had to file the report with the police from XXXX XXXX IA. I contacted the police in IA. The police officer took my info and started a new case. I contacted US bank and they gave me a web site to send my info to get my money back. XXXX. I tried to access the web site to finally get my money back. This site leads me to an unrelated site that is not helping me. I had to put my entire vacation and bathroom remodel on my credit card and put me over my limit. I'm a union carpenter this drain in my account forced me to take a job out of my area. I had to drive over a XXXX miles a day so I would be able to pay my bills. This has cost me a lot more then {$6300.00} dollars. I think I should be compensated for the strain this has put on me and my family. The sad part is that the thief never had my account info they simply used a fake ID to cash two checks in my name and the bank simply took the money out of my savings to correct their mistake. The very nice police office that has been helping me with my case is XXXX XXXX
Consumer complaint received 2022-08-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Consumer complaint received 2022-04-18
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. (NC)

n accordance with the Fair Credit Reporting act 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 2021-11-09
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2021-11-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

I have 5 student loans from Navient and loans have been in forbearance. I have access to credit bureau apps now and have noticed that I have student loan lates from XXXX. My student loans were in forbearance and I sent an email replying Yes to keep in forbearance to keep them that way. I have always been proactive to keep loans in forbearance and have also proactively entered a repayment for XX/XX/XXXX. I had to call to resolve this after receiving mail it was not in forbearance and this was resolved but the lates still appear on my credit report. This is the only negative item on my credit report and I do not want this to impact my creditworthiness as I am now looking to buy a home. Please remove incorrect lates from report as soon as possible.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

This is a collection debt for XXXX XXXX XXXX XXXX from an account that was opened using my information. The account was opened in Louisiana and the amount is for {$600.00}. I have never lived or even been to to Louisiana and I don't have any friends or relatives that have lived in the state. This is probably the third or fourth time I'm reporting this as fraud. Its the same debt but, the collection agencies just change. I've already reported it several times as fraud.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I'm contacting you to please help me resolve this issue. On my report I found inaccurate information from XXXX XXXX XXXX. They reported inaccurate and false information of a debit I never agreed to. The debit was listed at {$340.00} that was opened in XX/XX/2021 on account XXXX. After filing a complaint with the bureau. This same company created a new debit with a new account number. They also add {$200.00} to {$340.00} to the last statement to create {$540.00} out of account XXXX. Under 15 USC 1602 ( p ) Method of verification is highly demanded. XXXX XXXX removed the debit of {$340.00} but add on debit of {$540.00}. The other bureaus did not comply at all to my request of Verification by producing a signature of contractual agreement debit. Also i sent in a second letter to update my private information and take off inaccurate hard inquires.