davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Accounts # XXXX, XXXX 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 15 U.S. Code 1692c - Communication in connection with debt collection 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 Nothing has been corrected, copies has been provided.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (HI)

I cut up my Citibank card late last year. I have received no bills for XXXX months. Recently, I received several emails telling me that my account was past due, and a minimum payment was required. I telephoned several times and sent three letters to Citibank customer service, seeking a copy of my bill and what charges they claimed had been made. I was told that they had sent bills, and could not email me a bill, in spite of the fact that they emailed me notices. Further, I was told that the only way to get a copy of my bill if mail was not working, would be to sign up online. But, I needed a credit card number to sign up online ; which of course they would not give me. So, catch XXXX. I " sure they are adding interest and penalties to a charge or charges that I didn't make, but they are preventing me from getting the information to figure out what has happened. My phone calls have not been successful, my three letters have not generated a response, and emails have not been accepted. I am at a loss to know how to proceed. I simply want to know if there are any legitimate amounts owed, and close this account. Citi seems to be avoiding giving me the information needed, presumably to XXXX up fees. I would love to attach documents to my complaint, but Citi won't provide any.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

The summarized story is : the 3rd party vendor my mortgage company hired to manage our claim has not forwarded any funds since the initial set of checks sent in XX/XX/XXXX. 

I have documented all of our calls and names of my instructions. This is only in note taking form. They have a copy of the recorded conversations, but will not release them to me without a court order, and will not communicate any other way. 

Every time I call I get a different answer and a different set of hoops to jump through. I go attend to the new instructions, then yet another problem emerges. From the beginning I was told several times that because I was in Texas my GC did not need a licence. I have it in my notes. I never saw anything other than this information on the web site. As soon as I turn in my first set of receipts and complete documentation on my General contractor, I am told they need insurance. My GC spends XXXX XXXX and buys insurance. Which we turn in and the next time I call I am told a Bond is  needed. The cost will be around $ 10K. When was this decided? Why was this not discussed sooner? I am told this is a direct request from XXXX XXXX, who should have nothing to do with my loan. When I call TIAA, they forward me to their loss dept, who no one in the dept is employed by TIAA. nor was interested in helping me further. 

Furthermore my mortgage company told us at closing, we were not required to buy flood insurance. We live or lived in a no flood zone. We purchased the policy on our own, but now they hold our money, dictating how we spend it. 

I have turned in plans, drawn up by a certified architect, with a few changes to our floor plan by a certified aging in place designer. The plans are stamped and permitted by the city of XXXX and ready to go. I hired XXXX XXXX XXXX to manage the process, not only because they are awesome, but I have known them since I was XXXX, and with all the accounts of fraudulent behavior, I wanted someone I could trust. 
When TIAA insisted they get insurance, they got insurance, which they will drop, as soon as my house is complete. Why? Because no one else in Texas requires it. ( By the way I am XXXX 's 5th Harvey house repair, no one has asked for licence, bond or insurance ) so XXXX XXXX later, ( which will be added to my bill, so that is {$4.00} XXXX less going to actual repairs and another month of delay ) now they want a bond. This is mind boggling. They want me to pay $ 10k, to  insure, my insurance money, who, I am the only one who paid for it in the first place! 

Funds are tight. We are still living upstairs, all through the summer with little plumbing and no electrical downstairs, yes that means no A/C. Its been a a year now. I am XXXX and have XXXX kids in college. We have done everything to the letter according to XXXX code and then some. No one else is paying XXXX XXXX extra for bonds and insurance. 

Please advise, without calling an attorney Which is just more money out of pocket, I am not sure where else to. Thank you.
Consumer complaint received 2020-09-23
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. (NC)

Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount XXXX Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX  XXXX, XXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-24
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. (TX)

I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The XXXX XXXX containing 18 fields, which ensures that the information was identified correctly by your bureau, The XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 5 transactions were fraudulently done on my Chase Bank Visa debit card. All the transactions were sent to XXXX Transaction 1 : XXXX transaction 2 : XXXX transaction 3 : XXXX transaction 4 : XXXX transaction 5 : XXXX These were not authorized by me or any member of my household. Chase bank will not give me any details as to how this was verified and will not validate these as fraudulent transactions.
Consumer complaint received 2018-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I closed on my loan with XXXX XXXX XXXX Mortgage on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that my loan was sold and none of the terms and conditions be would changed My loan was sold and Flag Star Bank   become the severer of my loan payments would be on XX/XX/XXXX with Flag Star Bank. I received a letter around the end of XXXX from Flag Star stating I did not have flood insurance I contacted Flag Star insurance department and gave them the policy number of my insurance and that my Home Owners and Flood policy were all in one they said ok and would update it. About month later in XXXX I received another letter stating I did not have flood insurance this time I contacted my insurance company and had them contact Flag Star to get them what they need once again I thought this was resolved since my insurance company rep told me they had contacted XXXX XXXX Mortgage who was the actual holder of my loan and that Flag Star was the severer of the loan and that they would let Flag Star know my coverage was good. A month later in XXXX I get a final notice stating I did not have flood coverage and they would purchase a force policy for XXXX dollars if I did not show proof of coverage for which I have already done three times now. I final sent an email to Flag Star and they responded on XX/XX/XXXX saying my policy was not good enough since it only gave a 30 day notice of cancelation instead of a 45 day notice so even though the policy was good enough and meet all the original lenders requirements at closing and was purchase out of my escrow paid in full account and is in effect from XX/XX/XXXX thru XX/XX/XXXX now that Flag Star is saying it's no good. I do not believe they should be able to change the terms or conditions of the loan after they purchase it from another company which meet all the original lenders requirements I could understand if Flag Star was saying at the time of renewal of your policy you will have to get an updated flood policy that meets the 45 day notice but they are insisting I get one now and that my current policy is not good even though it's been paid for and meets all of the original lenders requirement. They have currently took XXXX dollars out of my escrow and cause an escrow shortage. They also show in their letter that my old policy expired on XXXX XXXX I never had a policy that expired on XX/XX/XXXX there records are not even correct and they will not even admit they are incorrect. Also the forced policy they did for XXXX violates Texas Law they can not force you to cover land in your flood policy
Consumer complaint received 2022-07-22
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: SYNCHRONY FINANCIAL (IN)

inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX  XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX CXXXX XXXX XXXX  Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX CO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2022-07-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor XXXX XXXXS ) XXXX Balance : {$62.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EQUIFAX MORTGAGE SER XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I reached out to Equifax to see where they received information regarding a Bankruptcy for XXXX XXXX XXXX. I sent a letter to Equifax from the Clerk, U.S Bankruptcy Court showing I did not have a Bankruptcy on my account. Equifax did not send or show how they obtained this information.
Consumer complaint received 2022-07-22
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: JPMORGAN CHASE & CO. (CO)

I checked my credit on XXXX to see a hard inquiry from JP MORGAN CHASE BANK dated for XXXX. I have not applied for any credit cards, anything a credit check would be necessary for, or given consent for my credit to be pulled. I began contacting CHASE XXXX to get this resolved. Their fraud department was closed so I gave up for the night with them. Submitted a dispute with XXXX XXXX and it was denied XXXX. Today, XXXX, I began calling Chase. I was redirected to 3 different numbers within the Chase company by the employees I spoke ( with no actual help, I explained to them my issue and they would give me a number and before I could clarify who I was calling they would legit hang the phone up while I was mid-sentence ) with to be redirected to XXXX. The automated service did not allow me to resolve my issue. I then googled XXXX and spoke with someone helpful to put a fraud alert on my credit but said I needed to submit a report here and gave me this website.
Consumer complaint received 2022-08-23
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CO)

My mother XXXX XXXX got behind on her mortgage due to XXXX. She was in the process of doing deferred payments with XXXX XXXX XXXX  when the mortgage was sold to shell point mortgage servicing. My mother then suffered a XXXX XXXX XXXX XXXX  and has ended up in a XXXX home and is unable to sign documents for herself. I have power of attorney granted to me in 2019  after one of her other XXXX  the paperwork is signed and filed with the Colorado XXXX systems but Shellpoint Mortgage is refusing to acknowledge or honor the power of attorney and will not speak to me about the deferment arrangements or payment amounts needed. Despite sending them copies of the signed and filed power of attorney papers. Shellpoint mortgage representatives continue to tell me I have not sent appropriate paperwork because it is not notarized at the time of her signature in 2019. I have been advised by the Colorado XXXX systems the power of attorney papers do not need to be notarized to be legal in the state of Colorado. I am scared that Shellpoint Mortgage is going to take my mothers home before we can get her well enough to get her out of the XXXX home she is in now. We are struggling to work with them and are not able to make the XXXX dollar payment they want to cure the default mortgage. I want Shellpoint Mortgage to acknowledge my power of attorney papers and continue to work with us on the deferred payments or refinanced loan to show that we have caught up the three payments that my mother was behind for XXXX XXXX and XXXX and have continued to make timely payments and allow my power of attorney papers to stand for me to make decisions payments and sign documents on my mothers behalf for this mortgage loan.
Consumer complaint received 2020-06-16
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: ProCollect, Inc. (TX)

In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
Consumer complaint received 2022-07-22
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: Upstart Holdings, Inc. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX UPSTART XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (CT)

I have a collection on my Equifax credit report. I have sent the company and the credit bureau letters to verify the debt and have asked that they provide me with the information they used to verify the debt. To date, no such information has been provided to me even though Equifax has stated the debt is valid and my credit file has been updated. I have advised Equifax multiple times that the debt is not mine since it can not be validated and that it needs to be deleted. I have also advised Equifax that reporting information that is not accurate is a violation of the FCRA. To date, they state the collection is valid, but have never provided me a signed copy of an agreement or any other information that validates the debt.