davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was told by PHH that they had received my Authorization release form signed and completed. XX/XX/XXXX letters from PHH dated XX/XX/XXXX XXXX XXXX stated they needed more time they would reach out and hope to resolve this by XX/XX/XXXX XXXX2nd letter from PHH dated XX/XX/XXXX XXXX XXXX more time is needed XX/XX/2020 *3rd letter datedXX/XX/XXXX she stated no proof of payment XX/XX/XXXX.not true " see bank statements '' payment out and payment return.. 

XX/XX/XXXX I called PHH spoke XXXX Agent # XXXX was told to have my Attorney to call them to do payment plan ... this is nuts TIME IS STILL CLICKING ... 
I also told him. I was just going to send payment anyway. I didnt this are the very practices why I had to file for protection ... 

3rd Complaint ... .Please help XXXX XXXX Widow of XXXX XXXX XXXX , US XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CT)

Hello, I am having an issue with my mortgage bank. Basically what happened was last year my loan was sold to Freedom Mortgage Bank. The bank lowered my mortgage payments by {$200.00}. I had called few times and asked why and they explained to me that my property taxes went over {$2000.00} down a year was little confused about it so I had called again and different represanative told me the same reason. I did n't believe that property taxes can go down so much, but I did n't know what else to do so I believed them. This is my XXXX home so I am really new at this. Now a year later they sent me a letter stating that my escrow is over {$4000.00} short so they want me to pay for it. I had tried calling them and they are giving me lot of runs around and no one i willing to explain to me how they made this mistake and why do I have to pay for their mistakes. I had tried to get help by contacting my town hall tax assesors, counselor for my district, even the loan officer from previous bank before my loan was sold and no one is able to help me. I just want to know if there is anything that could be done. I honestly do n't think that this is right. It was their own big mistake and now there are trying to make me pay for it. Thank you
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MT)

Around the end of XX/XX/XXXX I opened a card with Citibank and initiated balance transfer from another account with XXXX. As of XX/XX/XXXX this transfer is now on my Citibank account and I am paying on that account. However, there is no credit on the XXXX Account and XXXX states no credit has been sent to them. I have reached out multiple times on for the results of an investigation by Citibank and keep being told it will be a further " XXXX business days. '' There is no one who can give me any actionable information and there is no offer to expedite this.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( Transunion ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (GA)

They closed my account because I was unable to verify my address. The reason I was unable to verify was because I was on XXXX XXXX and did not have the ability to verify. ( no bills, no state license since I didn't need to get one, no taxes done yet. ) I stopped paying on my card and that was 10 years ago. They refused to take this off my credit report claiming the date of first delinquency was in XXXX. I have been asking for records every few months but I was unable to get any kinds of statements on the accounts until this month. There was a late fee XX/XX/XXXX which proves the date of first delinquency was before the closing date of XX/XX/XXXX which is 3 years before they claimed the date of first delinquency was in XXXX I requested multiple times for the statements for my account and have not been provided with any statements. I have tried twice before to get this removed from this website. Here are the reference numbers. 
XXXX XXXX They also inflated the amount owed. The statement I got includes the amount owed which was less than {$1000.00}. The statement in XXXX is over {$3000.00} If the account was closed by them then how would I be able to make over {$2000.00} in purchases.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

- Initiated a withdraw ( via bank wire ) of {$10000.00} USD on XX/XX/XXXX at XXXX. 
- A {$25.00} was wire transfer fee was deducted from the the total. 
- Wire is shown to have been completed, however, as of this writing ( XX/XX/XXXX ), the balance has not been received. 
- Created a support ticket alerting the Coinbase of the issue on XX/XX/XXXX at XXXX PST. 
- Received automated response on XX/XX/XXXX. 
- Follow-up email sent on XX/XX/XXXX.

- Received reply XX/XX/XXXX, but issue not resolved. 
Case : # XXXX
Consumer complaint received 2018-01-09
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. (MN)

TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-04-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: United Student Aid (USA) Funds (FL)

I XXXX in 2000 from XXXX XXXX XXXX in XXXX Florida. Since then I made payments of more than half of what they were asking. It got to the point that I was made to enroll in a program that was said to help me become current. However now my loan that was originally XXXX is now XXXX and payments are more than anew car payment. And even in 2000 the credits were n't transferable, but we as students were never told this when we applied for financial aid. I have never been able to afford the kind of payments they wanted, and I certainly ca n't afford what they want now. I 'm recently alone with an {$1100.00} mortgage payment. And that is n't even including the other bills. So yes I can say that the student loan payments would be detrimental in me being able to keep my house.
Consumer complaint received 2016-12-07
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: First Data Corporation (TX)

I disputed a transaction and provided complete back-up, and the Money Network Institution overturned it with no proof, other than the word of the merchant. I sent in all the information I had to prove it should be granted. They also refused to provide me with a copy of what the merchant provided to them to determine their decision. This made my account overdrawn, and they are unwilling to do anything about it. I made a flight+car reservation with XXXX on XX/XX/2016, according to the cancellation terms, I could cancel within two days of departure. I cancelled on XX/XX/2016, completely within the time frame, the merchant rep I spoke advised me there would be no penalty, but they would credit my card so I called Money Network to dispute my transaction, they said that the merchant provided them proof it was a non-refundable flight. I sent them copy of my reservation that did not show in any way it was non-refundable, I am including a copy, XXXX issued a credit for travel, which I do n't understand since it is " non-refundable ''. I formally asked for the copy of what they provided and was refused. They illegally withdrew the funds based on false information provided by the merchant, and will do nothing to resolve it. My account is now overdrawn by {$260.00}, minus the few deposits made to the account the new balance as of today is $ XXXX. I would like to make a formal complaint for the lack of due diligence and misrepresentation that a complete and thorough investigation would be made.I disputed the transaction the same day I cancelled on XX/XX/2016. There was no lapse in time from when I cancelled the reservation to when I disputed the charge. Clearly they do not care about the customers or the security of their hard earned money.
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Halsted Financial Services, LLC. (NJ)

XXXX on behalf of XXXX XXXX has been calling my home and employment using several phone numbers as follows ; XXXX XXXX as HFS. I have proof that debt was paid for and my XXXX paid the rest. They have ruined my credit and harrass me all day.I have health insurance and this matter was resolved and the service i received was by XXXX XXXX XXXX who provided me with professional courtesy.I need them to sto and repair my credit.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KS)

I have a loan that has been purchased by Ditech. I recently received an escrow analysis that projected that my escrow for taxes and insurance will have a shortage. The have added XXXX of the false shortage to my monthly mayment. For 19 years there has never been a shortage and I have received a refund on my escrow account a couple of times due to their incorrect analysis. As long as I make timely payment, there will never be a shortage in the escrow during the next 12 months. 
Ditech has projected a shortage in the amount of " cushion '' they want in my escrow account. I understand that Ditech may keep require a cushion equal to XXXX of the total amount of items paid on a yearly basis. However, Ditech has purposely created a false date for payment of my taxes for purposes of creating a " cushion '' shortage. Specifically, my taxes are due in XXXX. Ditech has confirmed that my taxes are due in XXXX and have been paid in XXXX for the life of the loan. However, Ditech has imposed a false date of a " Projected '' tax payment in XXXX. This false projection date has been created to develop a " cushion '' shortage of less than the XXXX cushion allowed by RESPA. This allows Ditech to collect additional money for my escrow account that will never be needed, and exceeds the XXXX cushion allowed by law. I am confident this false " Projection of payments '' analysis is not isolated and is imposed upon all consumers of who have loans with Ditech who pay escrows to cover taxes and insurance, through a Ditech escrow. This allows Ditech to acquire millions in dollars in interest on escrow accounts that are not required or permitted by RESPA. RESPA has imposed limits on escrow funding to prevent this abuse. Please investigate this complaint on behalf of my account and others similarly being financially abused by Ditech.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (MS)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (VA)

XXXX XXXX who is on this mortgage died suddenly I was not on the loan at all I am filing to be personal rep of his estate I am filing that in the morning with the court. I have not been able to since the weather has been so cold and snowy. 
I will request that the Judge orders a stay on the foreclosure and eviction. 
I am XXXX old and have medical problems and no assistance
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (IL)

There are XXXX collections from this collector. The lesser XXXX is for {$540.00}. I paid this debt and asked if I could make payments on the other. They never withdrew payments towards the other, and now both debts are back on my credit report as new debts.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Each year Ditech pays my FLOOD insurance from my escrow. My FLOOD is paid by ME personally each year ( from inception of flood policy ) & has NEVER been a part of my mortgage. My Flood ins refunds me MY annual payment & I repay it BACK TO mortage escrow. My escrow does n't show I paid it & DiTech wants to raise my monthly mortgage payment & pay " shortage '' + when they were NEVER AUTORIZED to pay my flood insurance. I AM " NOT REQUIRED '' TO CARRY FLOOD INS. IN MY AREA. I call, I write, I email, I fax, to NO AVAIL for a response to my issue & get them to stop paying my flood insurance. This goes on for months, I pay the shortage ( s ) & monthly payments STILL GO UP. THIS IS AN ANNUAL EVENT almost from inception.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting Act Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of the Equifax data breach. Attached to this complaint is the supporting documents of my claim that will be apart of this ongoing litigation.

I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with these accounts that are 7 years old and was falsely exposed under this data breach. 

I am requesting a removal of this accounts on my report due to the data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Attached copies of credit report information associated with the following accounts validates my findings.