davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-01-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (NM)

Missing FDIC personal checking account funds from XXXX XXXX ( from multiple XXXX XXXX XXXXXXXX accounts since XXXX ) and mine ( from separate XXXX XXXX XXXX  account ) that are FDIC insured to pay the failed bank XXXX, XXXX XXXX and nationstar for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. 

The loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original XXXX loan. we were told is the same loan that got transferred to XXXX XXXX XXXXXXXX and sold or pennies to the dollar to nationstar, as servicers. 
We paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at XXXX XXXX  XXXX are missing between the fiduciary and XXXX XXXXXXXX XXXX and nationstar. 

We request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. 

Where it is or can you please see the FDIC claim we did on the money, that was in XXXX XXXX XXXXXXXX for XXXX XXXXXXXX XXXX mortgage through the fiduciary XXXXXXXX XXXXXXXX 
We bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX of nm purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing XXXX dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The XXXX listing was cancelled because we were told " the buyers did not qualify '' and later on, the appraisal came after closing about 30K less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the " XXXX XXXX XXXX XXXX and did not exist. The pool had problems with water connection and we looked and no survey was done. 
We started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. 
We made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am reaching out to express my concerns about the security of my personal information. On multiple occasions, I have noticed details on my report that do not pertain to me. I have identified specific cases of incorrect information that need to be investigated, as the data mistakenly associated with my report actually belongs to another account.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

My wife and I have a XXXX  with citi bank XXXX. I was told that there was no hard credit check on the increase of credit limit. Well the customer service person at citi was wrong. I want my wifes XXXX  and my XXXX  score to be put back in order. Citi and XXXX and the rest told me to get an attorney? what Restore my credit or give me the increase in my limit. I am tired of f ing around. XXXX has done what they can. the XXXX company could give a XXXX. Call me XXXX XXXX XXXX my XXXX dollar card has no balance due... fix it please fix my XXXX  score All of this has taken place over the last week and a half and I am done and sick of the XXXX service Creditor / VendorAccount numberStatus CBNA XXXX .... 
Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute
Consumer complaint received 2024-11-11
Product: Credit reporting 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. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XX/XX/2024 Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Account number : XXXX Subject : Debt validation and Purchase agreement I am writing to dispute a debt that you are attending to collect from me. 
This letter does not impty that I refuse to pay this debt, I request th validation and verification from you pursuant to th Fais Debt Collection Practics Act ( FDCPA ). 
I would like you to provide me with a detailled explanation of debt from the original creditor, including the last billing statement, the date the original creditor claimed the delinquent. 
I would also like to request that you provide me with proof that you have the right or you are licenced to collect on this debt in my state. 
Under the FDCPA, I am requesting that you provide me with this information within 30 days of receiving this letter. 
Please cease any credit bureau reporting until debt has been validated by me as required under FCRA. 
Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the ty
pe of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may i
nclude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OR)

Resurgent  repeatedly sends us collections notice for an account that was never in collections and paid in full. We had an account with XXXX back in 2018. The last bill be were invoiced and paid in full is dated XX/XX/2018 in the amount of {$190.00}. We paid this bill via direct ACH payment as we always had and received a paid receipt from XXXX via email. Out of the blue, Resurgent started sending collections notices last year where we repeatedly provided evidence the invoice had been paid- we provided a paid receipt from XXXX XXXX a copy of the invoice, and a copy of our bank statement showing this amount was paid in full. Resurgent continues to ignore the evidence provided and harasses us daily- calling, mail, and threatening to destroy our EXCELLENT credit. We would like them to be contacted and investigated for fraudulently trying to get us to pay money that is not due.
Consumer complaint received 2024-10-15
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: Resurgent Capital Services L.P. (CA)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Case No. XXXX Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , This letter is in response to the complaint identified as Case No. XXXX regarding XXXX XXXX XXXX 's reporting practices. I would like to address certain inaccuracies and provide clarification on my experience following the filing of my initial complaint. 

Upon calling First Progress to inquire further, I was informed by one of their agents that the account in question had been transferred to Resurgent Capital LP, effective as of XX/XX/year>. This transfer occurred after the filing of my complaint, and as a result, I reached out to Resurgent Capital LP at the number provided ( XXXX ). The representative at Resurgent confirmed that they had just received the account on XX/XX/year>, and thus were unable to report on the account at the time of my inquiry. 

Furthermore, I would like to bring to your attention that the information currently being reported on my credit file is inaccurate. Specifically, the name reported/connect to this account is " XXXX XXXX, XXXX which is not correct. This misrepresentation constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e - Compliance procedures, which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In conclusion, I request that the CFPB address this issue and ensure that both the inaccurate reporting of my name and the overall reporting of the account are corrected in compliance with the FCRA. I also ask for a thorough investigation into whether XXXX XXXX and Resurgent Capital LP have followed the proper procedures regarding the transfer and reporting of this account. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SinglePoint GI (VA)

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : General Revenue Corporation/Number : Unknown Creditor Name : XXXX University As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address. 
2. A detailed explanation of the debt, including proof of its validity. 
3. Documentation that the debt is mine and that it is reported accurately.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to formally dispute inaccurate information on my credit report regarding an account with XXXX  ( Account # XXXX ) *. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported is accurate and complete. After reviewing the details of the account, I have identified several discrepancies that require your prompt investigation and correction. 

Details of Discrepancies 1. Inconsistent Reporting Dates : The Date Reported field varies between the credit bureaus : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX also lists XX/XX/XXXX. Reporting dates should be consistent if the information was updated simultaneously. 
Action Requested : Please verify the correct reporting date and ensure consistency across all credit bureaus. 
2. Missing Payment History ( TransUnion ) : TransUnion does not include any payment history for this account, while both XXXX and XXXX show missed payments from XX/XX/XXXX to XX/XX/XXXX. A complete payment history is essential for accuracy and compliance with the FCRA. 
Action Requested : Confirm why payment history is missing for TransUnion and update the report to reflect the accurate payment record. 
3. Charge-Off Status and Timeline : The account was opened in XX/XX/XXXX, yet it reflects a charge-off as early as XX/XX/XXXX. Given the short timeline, this raises questions about whether the charge-off was processed correctly. Secured loans typically involve collateral, and the creditors policies should align with industry standards for charge-off timing. 
Action Requested : Please verify the timeline for delinquency and confirm whether the charge-off was applied accurately according to the creditors policies. 
4. Credit Limit Reporting : The account lists a credit limit of {$0.00} for a secured loan. This is inconsistent with how secured loans are typically reported, as the limit should reflect the loan or collateral amount. 
Action Requested : Confirm and update the credit limit to accurately reflect the loan terms. 
5. Dispute Status : The report indicates that the account has not been disputed, yet this information is under review. If any previous disputes were filed, this status should reflect that history. 
Action Requested : Confirm and update the dispute status if prior disputes were initiated. 

Action Requested I respectfully request that you : 1. Investigate the discrepancies outlined above and verify the accuracy of the information with the creditor ( XXXX ). 
2. Provide me with an updated credit report reflecting the corrected and complete details. 
3. Inform me of the results of your investigation within 30 days, as required by law. 

I have enclosed a copy of my identification and a copy of the relevant credit report for your reference. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-12-24
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)

In accordance to Fair Credit Report Act, XXXX XXXX XXXX XXXX XXXX ( DP OF EDUCATION ) has violated my rights. 15 U.S.C 168 Section 602 A states I have a right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumer reporting agencies can not function my accounts without my written consent.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (MT)

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (LA)

I made the second to last payment on XX/XX/year>. At that time after the payment my principal balance was {$130000.00} and the interest rate is 2.375 %. I made the XXXX due date payment on XX/XX/year>. When the payment was posted I was charged the same amount of interest as if I had waited and made the payment on XX/XX/year> or {$270.00}. The amount of interest should have accrued for 14 days is {$120.00}. So, they charge the same amount of interest eve if you pay early. 

My loan was sold to Freedom Mortgage fairly recently. I was aware of their reputation and am watching my loan closely. When I talked to them today, they explained that is just the way they do it. So realistically I could pay 10 payments today by making each payment separately and they would collect the amount of interest that would have been due on the date those payments were scheduled. 

What should happen is that I should be charged the actual amount of interest that accrues on the current principal balance for the number of days since my last payment. If this is how they are handling everyone 's mortgage they are collecting millions of dollars of interest not due and actually charging people resulting in a much higher interest rate than allowed.
Consumer complaint received 2024-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NJ)

I sent XXXX via wire transfer from XXXX XXXX XXXXXXXX to Wells Fargo on XX/XX/2023. They money was delivered to Wells Fargo but they held the money due to a question about a word in the comments ( Water ). The question was addressed on XX/XX/2023 via an update from XXXX XXXX XXXXXXXX. The money was never released to the intending person. So after 3 weeks of waiting, I requested the money be returned back to me on XX/XX/2023, via submission of a claim from XXXX XXXX XXXXXXXX. It is XX/XX/2023 and i have yet to receive any update from Wells Fargo on the return of the funds. I have tried to call them to discuss where the money is but due to the fact that i do not have an account with them, they will not speak with me. I have asked the original receiver of the funds to speak with Wells Fargo. They explained that Wells Fargo says they have no documentation of the transaction, even though i have confirmation that the transaction was completed successfully and that Wells Fargo is holding the funds.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (TX)

I was past due on my loan from XXXX. But on XX/XX/XXXX I made a payment on their website for {$170.00} for XXXX. Then I called and asked for the payment deferment for the past due balance. The deferment would bring my account current and break the past due as an add on to the next month payments. I also chose an option to skip an XXXX payment. My payments would restart on XXXX XXXX. 
The recent credit report pulled is NOT showing current. It shows past due for 4 months INCLUDING XXXX. It doesnt show the note of deferred payment neither it shows that I made {$170.00} payment. In addition when I called them, they would not release any information to me and the representative had no idea what kind of payment I made. She kept saying that my account is current. It is under their own investigation and the XXXX report WILL reflect the change. 
Please listen to their recording as well.