davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

REF : Letter of Explanation for Dispute on Huntington Bank Mortgage Dear To Whom it May Concern : I have never been late on any mortgage payment on this loan or any other mortgage loan. The only late payment, which was erroneous, was on XX/XX/XXXX for Huntington Mortgage ( XXXX ). 
Forbearance I entered into forbearance in XXXX due to my tenant having employment issues as a geriatric nurse. XXXX removed me from autopay due to forbearance agreement. I called them back in XXXX XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to discuss restoring autopay for my loan and completing the Forbearance Agreement. They finally sent documents to end the forbearance in XX/XX/XXXX. XXXX stated in XXXX that they tried to reach me several times in XXXX but we discovered they were only trying to reach me on my new XXXX fax line ( XXXX XXXX ) which I never answer. I stated they must call me on my cell phone of XXXX  years ( XXXX XXXX ). 
Payments I continued to make several payments such as XXXX, XXXX and XX/XX/XXXX even though I was still in forbearance. This shows I was actually ahead in my payments. I talked again on XX/XX/XXXX to make another payment and to begin autopay. XXXX stated that the autopay will take affect on XX/XX/XXXX and that I must continue to make manual payments for XXXX and XXXX. I called again on or about XX/XX/XXXX to make another payment since the online website was still having issues with being able to complete an online payment. It was my understanding that the XXXX person was completing another phone payment for me. 
I then called in XX/XX/XXXX to make my final manual payment for XX/XX/XXXX. They told me that they were still waiting on the XXXX payment and that it was already over XXXX days past due. I was extremely upset since I was planning for XXXX  years to perfect my credit and Refi my mortgage. I attempted many, many times to restore XXXX since that is the simplest and most reliable method for payment. It seems XXXX was not able to : XXXX simplify the process of completing the forbearance agreement, XXXX restore autopay while forbearance was being completed for months XXXX correct any online issues to make online payments. 
I have kept up with my payments for decades and now is the time I need to capitalize on my excellent payment record. However, I tried many, many times to avoid this type of incident since it was possibly affect my credit rating and my new mortgage payment by a large amount. 
I am requesting that HM reverse the late payment for XX/XX/XXXX so I can move forward with my well-earned credit rating. 
Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : 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 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 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 XXXX XXXX
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

On XX/XX/2019 received a letter in the mail from NCB Management Services Incorporated stating XXXX XXXX and XXXX XXXX has been purchased by them and I have a owed debt. To give them a call to resolve this account and they can offer payment options. The amount owed was {$2900.00}. I typed and signed a letter stating I did not owe nor had I ever opened a account with XXXX XXXX and XXXX and pusuant to the fair debt collection practices act I was respectfully wanting them to provide me with the amount of the debt, the name of the creditor, verification copies to whom this debt was owed, proof they are licensed to collect debts, proof of payments and when the account was opened. I stated I do not have any responsibility for the debt youre trying to collect. 
I sent this letter via usps with a certified and signature required mail on XX/XX/2019. 
On XX/XX/2019 I received a package in the mail with a letter from NCB and documents they provided of proof the debt. The information provided is not fully correct and this is a fraud debt. They sent a Elastic line if credit application, Assignment and Bill of Sale and a statement from XXXX XXXX and XXXX. I never have had a account with them nor does this show on my credit report. Information on the application is incorrect as my email, phone number, last employment, driver license number and bank information. I do not owe this debt.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IA)

Freedom Mortgage reported my mortgage as delinquent by 120 days when I was in Loss Mitigation. There was a processing error on their part but I was told while it was being reviewed for Loss Mitigation that it would not be reported negatively on my credit report and I want it updated. My attempts have been unsuccessful and with Covid the call volume has been extremely high.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

An account that is in my named with Bank Of America was opened XX/XX/XXXX. This account was opened solely by XXXX XXXX XXXX. I meet her and married her in XX/XX/XXXX. I never ask to be put on account and never gave my permission to be added. XXXX had credit card and made ALL CHARGES on account! XXXX SIGNED all charges to account and I never knew that she placed me on account. When she decided to leave marriage she placed me on account and left the marriage. After having no choices she declared bankruptcy which left me on account. I disput all charges and disput being put on account and disput ever signing any paper to be added to this account.
Consumer complaint received 2023-10-12
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. (GA)

I sent a letter on XX/XX/XXXX  to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing you this letter to inform you that you have indeed violated my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. 
So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION I do not consent for you to use the e-oscar system to verify or look over this matter. I DEMAND THAT YOU DELETE THESE FOLLOWINGS ACCOUNTS IMMEDIATELY. 
XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I have tried for several days to speak to someone about my mortgage. They WILL NOT allow you to speak to an agent / no one answers the call. How can this be allowed?? A mortgage is most people 's largest financial investment that they ever make and this company is absolutely not fit to be in business. Their web tools do not work. I have 2 mortgages with this company because the bought my loans. I did not choose them. How can CFPB allow a company to act this way with such horrible customer service? This is an industry that is too important to allow a company like amerihome to take over my mortgage without my choosing or consent and then not provide a usable website or any live agents. This is insane. I can easily get someone on the phone for any service that I use but I can't get a live service agent on a mortgage??!!
Consumer complaint received 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-04-22
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: OneMain Finance Corporation (PA)

Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX ONEMAIN XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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)

An account was opened on or about XX/XX/XXXX  with XXXX XXXX XXXX XXXX A balance of {$5100.00} is being reported to Equifax as Collection account. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXXXXXX XXXX and Equifax never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Equifax is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXXXXXX XXXX nor Equifax have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.
Consumer complaint received 2021-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.
Consumer complaint received 2021-03-18
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. (IL)

XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Experian today, but I keep getting an error message. This is such an inconvenience. Also I tried calling Experian and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.
Consumer complaint received 2022-10-01
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. (KY)

This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

i was to recieve my stimulus payment to my account via IRS, and was told that my money can not be deposited in my account because i am married and have XXXX dependants. this is how the IRS sent the ACH in. it has been mishandled and is now the banks problem to fix this issue on a timely manner. i had no issues in XXXX when a married couples stimulus payment of XXXXx2 was deposited. i would like this matter fixed in a timely manner and at no time was BBVA BANK encouraged to fix the problem in a timely manner
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-11-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (CA)

This happened in 2015 when I helped a friend sign a car lease and I wasnt aware that I was signing the ownership and I ended up in a {$15000.00} debt for a car that wasnt ever mine. I want to make things right because this is affecting me personally when I try to use my credit. The car was repossessed without me knowing because I was never the owner.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (NC)

The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My issue is there's truly no checks and balance. I have been disputing charges on XXXX XXXX for several years Ranging from Auto loans and credit cards. I have disputed directly as well as with every credit bureau. Latest dispute is XX/XX/2018 Experian should have received. 

I called regarding why on a letter I received from their stating my report started on XX/XX/2018. They stated they need time to process either way the agent stated they already received some replies back that these items disputed the lender reported back to them. So i question how is it the lender is saying the item is mine and NOT required to send proof and they all just take the word for it. When consumers are required to show proof of their entire existence. 

Where is the accountability. When contacting the lender directly they won't speak to you because they have already written the loan off. All while reporting negative or charged off on reports. When can consumers have the ability to have lenders show some accountability.