davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (NC)

I have credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still no help
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX XXXX Mississippi filed XX/XX/XXXX and XXXX XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I
Consumer complaint received 2022-09-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Recovery Management (FL)

On XX/XX/2020 at approximately XXXXXXXX XXXX. representative XXXX of fox Collection Center, answer the phone from XXXX XXXX and stated he was on a recorded line. I attempted to explain that I had received a letter in the mail and was trying to find out what was going on, XXXX asked me to verify the last four of my social security number. 

I was confused as to why he was asking me that and when I attempted to speak further into the matter, XXXX of Fox Collection Center threatened that if I did not tell him the last four of my social security number he was going to terminate the call. 

Making threats to Consumers to get personal financial information if they don't answer questions is a violation.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account reported as Charged off/ Written off Capital One have not provided the 1099C I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report, and I noticed that a debt related to [ Company Name ] is listed as canceled or forgiven. However, I have not received a 1099-C form from the company to substantiate this cancellation of debt for tax purposes.

According to IRS regulations, if a debt is canceled or forgiven by a creditor, they are required to issue a 1099-C form for any amount over {$600.00}. In my case, no such form has been provided, and therefore, I believe this entry on my credit report is either inaccurate or incomplete. 

Please investigate this matter and remove or correct the inaccurate entry on my credit report. Enclosed are copies of my credit report showing the disputed item and any relevant correspondence with the creditor. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and respond to my dispute within 30 days of receiving this letter. If the creditor can not provide documentation that they have issued a 1099-C form to me, I expect the item to be removed from my credit report. 

Please notify me in writing once the investigation has been completed. 

Thank you for your prompt attention to this matter. If you require any further information, please feel free to contact me at the phone number or email address provided.
Consumer complaint received 2022-07-13
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. (CA)

THE PAYMENT HISTORY FOR THE FOLLOWING ACCOUNTS ARE INCORRECT : XXXX. XXXX XXXX XXXX / XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was passed in 1970 by the U.S. Congress to promote accuracy, fairness, and the privacy of personal information found in credit reports. Also, 15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Following a transfer of my mortgage to RoundPoint mortgage from XXXX XXXX XXXX, RoundPoint Mortgage 's took an excessively long turnaround time to remit payment of my flood insurance policy to my insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX despite being contacted multiple times by email, fax and mail. XXXX XXXX contacted RoundPoint Mortgage by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies. Due to the excessive delays, the net increase cost for the policy was {$1300.00}. This was due both to their inability to properly receive transfer of my mortgage and their excessively long time to remit payment to my flood insurance company, despite multiple, documented attempts via email, phone and fax. I am demanding RoundPoint mortgage cover the full {$1300.00} difference due to their failure to properly transfer my mortgage and handle their requisite responsibilities. 

Full timeline : XX/XX/XXXX : Mortgage transferred to RoundPoint from XXXX XX/XX/XXXX : through XX/XX/XXXX : RoundPoint failed to transfer policy information from XXXX XX/XX/XXXX : 53 days after transferring my mortgage, RoundPoint mortgage contacts my insurance company to retrieve policy information XX/XX/XXXX : Homeowner and Flood policies were amended by XXXX XXXX to reflect RoundPoint as the new mortgage servicer. 

XX/XX/XXXX : A copy of the expiring flood policy and flood renewal bill were uploaded to RoundPoint Mortgage with instructions for the bank to remit payment directly to XXXX XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX received a voice mail message from XXXX at RoundPoint Mortgage acknowledging receipt of the flood bill for the XXXX to XXXX term and requesting verification if the payment was still due. 

XX/XX/XXXX : Once again, XXXX contacted RoundPoint Mortgage and verbally confirmed with them to remit payment immediately to XXXX XXXX. Another copy of the bill was faxed to RoundPoint Mortgage per their request. The check for {$690.00} was not received by XXXX XXXX until XX/XX/XXXX which is outside the grace period. 

XX/XX/XXXX : XXXX contacted me explaining that RoundPoint 's multiple failures and delays throughout this process, despite being contacted multiple times both by phone and email, resulted in the grace period expiring and a re-write of the policy being required. As required by FEMA, the new flood rating methodology that became effective for all FEMA flood policies resulted in the same policy increasing from {$690.00} to {$2000.00}. 

XXXX XXXX contacted RoundPoint Mortgage multiple times by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies.
Consumer complaint received 2023-04-04
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. (CA)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a Kohls charge that got closed in XXXX and it got sent to the collections agency. I paid it with a representative on XX/XX/XXXX they offered me a pay off balance and if I paid it off it would of been taken care of and it is still on my credit report.
Consumer complaint received 2022-09-23
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. (CA)

XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX to rectify the late payment XX/XX/2021.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

Ive requested through XXXX, XXXX and XXXX for the Prof Debt Account XXXX debt collector to validate the information by providing supporting documentation with the original creditor documents that was sent over to them ( debt collector ) to support the collection on file. I have yet to receive any documents to support that the account insure accurate and correct. I only received a verified status on the credit bureaus. How did you validate the information?
Consumer complaint received 2022-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

We aren't customer of wells fargo but one of our office check was cashed by an unknown person in wells fargo bank without proper signature or ID or endorsement behind the check. 
we tried several calls and branch visit to file a claim and open a fraud case regarding the person who cash our check but Wells Fargo refused to even listen to us because we aren't their customer and it's not a large sum of money. We are a small business that our livelihood depends on these checks and if we can't figure it out who did cash the check and return the money than we dont survived. I really appreciate any help. 
The check was issued to XXXX XXXX XXXX and we are a dental office in XXXX XXXX, XXXX  and our checked get cashed by XXXX. 
This check was cashed by an account number in XXXX XXXX.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (MD)

After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, Capital One Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, Capital One Account # XXXX, and Department of EdXXXX Account 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX ). XXXX XXXX  ( XXXX ) Account # XXXX Rights Violations : 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 *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from XXXX but still showing on my report for XXXX and Experian. 

XXXX ) .XXXX Account # XXXX XXXX date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( XXXX, Experian XXXX XXXX XXXX Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report. 

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on XXXX, Experian XXXX XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX 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 Balance : {$1000.00} ; XXXX. SYSTEM, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

Hi, This account with Caliber home loans I have had for a while. In XX/XX/XXXX we placed the account on forbearance due to covid which lasted until XX/XX/XXXX. 

In XXXX I reached out to Caliber that I would like to get a loan modification which is offered to all covid forbearance clients. At that time the FRM weekly average rates were running between 3 to 3.5 %. 

Caliber first they said I do not qualify for Flex modification without giving any reasonable explanation. After bunch of phone calls and speaking to supervisors and sendinge-mail they finally agreed to process my request. However, Instead of processing my request in a timely manner which is a few weeks, it took them almost 6 months to process it. 

The issue is that by the time they proceed it rates were already over 5 %. This means that I will have to pay around extra 1.5-2 % ( or 9-12k ) because Caliber did not process my application in a reasonable time frame as required by law, and therfore putting an extre burden on me and family.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I made a deposit and try Iog in to my bank account and I was denied, the next day I call and they said they close my account and they decide not to tell why. 
They said my money will be mailed out the next day. 
It's XX/XX/XXXX and my money still in the account, they been giving me the run around for 3 weeks keep saying the bank haven't not answer their request, to call back in 5 days, I been told that about 3 times already. spoke with a supervisor name XXXX and now she ignoring my calls and not picking up my calls when I get transfer to her. They close my account for no reason, they didn't tell me why and they still my holding my in my account
Consumer complaint received 2022-09-23
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. (GA)

According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified accounts .
Consumer complaint received 2023-03-02
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)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX I reached out to XXXX XXXX regarding a 30 day late that was reported to my credit for XX/XX/XXXX. At that time, I reported that my loan was transferred on XX/XX/XXXX. I immediately set up auto payments, which meant at that time I had autopayments for both XXXX and XXXX XXXX, but neither took the XXXX payment. The autopayment was made through XXXX XXXX for the XXXX payment, so I felt confident that it was set up right. On XXXX I received notice that my credit report said that there was a late payment. I logged in to XXXX XXXX and it said that my XXXX, XXXX, and XXXX payments had not been taken. I immediately paid them and called. They informed me that since the XXXX payment was missed ( even though I had 2 autopays set up at 2 different companies ) they cancelled the autopay ( and did not notify me ). They apologized profusely and made the correction to my credit. On XX/XX/XXXX I received notification that XXXX XXXX had now reported a 60 day late for XXXX. 
On XX/XX/XXXX, I called the XXXX XXXX Customer Service number and was told by the representative that she would place the request to have the 60 day late removed. I also never received an update saying that it was in process like I did the first time. I reached out to them again XX/XX/XXXX and was instructed to email at XXXX. I did so on XX/XX/XXXX and got an automated response, but nothing has been done. As of today, XX/XX/XXXX it has not been corrected.
Consumer complaint received 2022-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In accordance with the Fair Credit Reporting act Bank of America # 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.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose