davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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: Resurgent Capital Services L.P. (NC)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (TX)

Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to Equifax after being reported as charged off to XXXX. It also shows 30 days late to to XXXX for free months of XXXX and XXXX and ok to Equifax for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my Equifax report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file
Consumer complaint received 2021-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

On XX/XX/21 I received an Escrow Account Disclosure Statement disclosing that my escrow account was short of XXXX. In the past whenever, I have had a shortage with my escrow I was given the option to pay the shortage to avoid my mortgage premium changing. I called and requested to pay the shortage and was told I couldn't and that my mortgage premiums would increase. In the past I have had shortages of over XXXX and was given the opportunity to pay to avoid this situation. I spoke with an employee ( Employee ID XXXX and he spoke to someone from the Escalation Dept. and they were not able to assist. I asked for policy to explain why they couldn't follow the procedures that most mortgage companies follow in the industry and couldn't find any additional information. It's a small amount, but in this COVID environment I am trying to ensure that my mortgage does not increase ; especially when it can be prevented.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

Good Afternoon. I am submitting this complaint because this company is trying to collect a debt from myself and from my husband. They sent a collection notice to my husband and then send a bill in my name to my husband via email. This same debt has been sold multiple times to different agencies. I have just reached out to an attorney to help out with this and sue the collection agency. We have not ever had service with them at all. Also, they can not figure out who this alleged debt belongs to. Please see attached information information in this complaint. We have been victims of identity theft. We have police reports as well. This account does not belong to us, either of us. I am guessing they are having a hard time trying to figure that out. This is illegal.
Consumer complaint received 2021-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and Equifax. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with XXXX, XXXX and Equifax. Please help.
Consumer complaint received 2021-11-02
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: BMW Financial Services NA, LLC (DC)

BMW UNLAWFULLY AND ILLEGALLY is accessing my credit report WITHOUT MY CONSENT AND OR AUTHORIZATION!! THIS IS A CRIME AND A VIOLATION OF OHIO AND DC AND FEDERAL LAW AND WILL END IMMEDIATELY!!! MY credit report is locked/frozen with ALL THREE BUREAUS AND A FRAUD ALERT IS PLACED ON MY CREDIT REPORTS AND BMW STIL CONTINUES UNLAWFULLY AND ILLEGALLY ACCESS MY PRIVATE and confidential credit report, illegally MONTHLY! I DO NOT HAVE AN ACCOUNT WITH BMW AND YOU WILL STOP THIS IMMEDIATELY!! IM A XXXX HOMELESS VETERAN WITH NO MONEY INCOME OR ASSETS!! GET OUT OF MY CREDIT REPORT AND MY BUSINESS AND STAY THE XXXX OUT BMW!! YOU ARE VIOLATING STATE AND FEDERAL LAW AND HAVE BEEN REPORTED TO THE DC ATTORNEY GENERAL THE OHIO ATTORNEY GENERALS OFFICE, THE XXXX, AND THE CFPB!!
Consumer complaint received 2021-11-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, Transunion and XXXX. XXXX fixed the problem on my report, but Transunion and XXXX are not doing so. I have exhausted my remedies with XXXX, Transunion and XXXX. Please help.
Consumer complaint received 2021-11-02
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. ()

I looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-06-27
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2021-09-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX when I changed mortgage companies from a 30 year mortgage to a 15 year mortgage Trans union dropped my score by 33 points. My payment history on cards and mortgage is impeccable and my credit utilization is low. All my balances were decreasing. 
After a dispute they raised my score by the 33 points and had no explanation. it is funny that when I canceled my paid service with them the score dropped. 
On XX/XX/XXXX they dropped it again by 33 points, with no apparent reason. I did refile a complaint, but am at a loss why it keeps dropping as my balances decrease, my payments on time. 
I also complained that there were unauthorized inquiries on my account they never responded. 
I feel frustrated and always had score in the good range, now in poor range, when I have always paid more then a creditor requested on a monthly bill. 

Any help would be appreciated. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-02
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. (MD)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2021-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have two credit cards with Capitol One that have been open since XXXX. In XXXX I was in graduate school and going through a rough time financially. From XXXX to XXXX of that year I was unable to make payment and thus resulted in lates being reported to the credit bureaus. I resolved to issue as soon as I could and made arrangements to get back current. Since then I haven't missed any payments. I am in a much better place financially. I graduated school and took a salaried position. This will no longer be an issue and I have contacted both Capitol One and XXXX to explain this and ask if the lates could be removed on good will. Capital One tells me it is out of their control and I need to contact the credit bureaus. XXXX tells me there is nothing they can do. I have heard of it being done before and just need instructions on how to proceed. This is holding down my score.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Honestly, CFPB, I am thankful you exist to turn to when not receiving reply from the servicer, SLS. ( Specialized Loan Servicing ) Included herewith you will find my TIMELINE of calls made to SLS one XXXX XXXX without reply or ability to speak with MS XXXX albeit she was on the line with the representative with whom I was speaking. 
Then calls to SLS Included please find my emails with enclosures of photos of the soaking wet damaged XXXX parcel from SLS XXXX XXXX with NO REPLIES. 
NONE. 
Even the email with sujbect line marked URGENT URGENT URGENT had been ignored, it appears. 

# 1 ) What was in the SLS XXXX envelope? 

# 2 ) What is the result of the SLS ordered agent XXXX? 

# 3 ) Why is no one calling back or emailing or REPLACING THE XXXX  that was damaged ( again, photos enclosed )  # 4 ) What is happening with the NEW SHORT SALE resubmitted, as requested by SLS with ALL documents provided as requested?

# 5 ) We need answers so as NOT TO HAVE the SHORT SALE EXPIRE AGAIN as it has in the past.

PLEASE know this is unbelievable as SLS has a staff with departments and people to handle their emails, calls and requests. 

This is my FULL TIME JOB just trying to get through to SLS or get answers to my questions cited above. 

I'm certain you are tired of hearing from me and I am not delighted to have to bother you again, but, again, I am thankful there is somewher to turn.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I received an email on XX/XX/2021 thanking me for opening a new account with TD Bank, following that email there were 3 others updating the email, phone number and address. I called the number from the email and they closed the account immediately. I went down to the bank and tried to have the account pulled up with ID but they were only able to pull it up with my full social security number. I was asked to verify another name I would have used to open the account and when I gave them my maiden name XXXX, the teller verified that was correct. I do not have nor have I opened any accounts with TD bank in well over 5 years. Once I pulled credit report I have noticed other items that should not be on there either.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my Chapter XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NV)

I refinanced my home through XXXX XXXX  XXXX based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with XXXX XXXX XXXX XXXX XXXX based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is PHH Mortgage didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both PHH Mortgage and XXXX XXXX about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from PHH Mortgage which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the XXXX day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time. 

XXXX XXXX responded to the issue as follows : - Company 's Response XX/XX/2021 CONSUMER FINANCIAL PROTECTION BUREAU Reference : CFPB Complaint Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in receipt of XXXX XXXX complaint and inquiry regarding a recent refinance where Mr. XXXX lender , PHH Bank XXXX has not applied the wire that was sent to pay the loan in full. On XX/XX/XXXX, XXXX XXXX XXXX closed the refinance of XXXX XXXX property and sent, via a wire transfer, a payoff to PHH bank based on their payoff statement. According to the PHH payoff statement, the payoff was good through XX/XX/XXXX and the amount that was sent to PHH on XX/XX/XXXX had an amount slightly higher than the payoff demand to cover an additional day of interest. On or around XX/XX/XXXX, PHH returned the payoff wire claiming that the funds submitted were not sufficient. The very next day on XX/XX/XXXX, another wire was sent to PHH to pay the loan in full. XXXX XXXX XXXX followed the instructions and payoff amount that was submitted from PHH. When PHH returned the payoff wireXXXX XXXX XXXXXXXX XXXX took immediate action and worked with PHH to get XXXX XXXX loan paid in full. PHH has been in receipt of the payoff wire since XX/XX/XXXX and XXXX XXXX XXXX has not been notified that the loan has not been paid in full. As XXXX XXXX XXXX has submitted the payoff wire to PHH, there is no additional action that XXXX XXXX XXXX can take in this matter.
Consumer complaint received 2021-11-02
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: Bread Financial Holdings, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on COMENITYCAPITALXXXX XXXX XXXX Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. 
XXXX XXXX Opened Date XX/XX/2017 Balance {$0.00} // Charge Off
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AZ)

My husband and I were in XXXX XXXX, XXXX on XX/XX/XXXX and we used our American Express card at a gas station to fill the tank about 6 to 8 gallons ( For reference we were driving a XXXX XXXX that gets around 30 MPG and is a XXXX tank ). Also, I am not a fluent XXXX  speaker but can understand the majority of what someone is saying. 
The attendant pumped the gas ( we werent allowed to pump it ourselves ) and when he was done he came up to the car window with a handheld card reader. I provided him first with our debit card but he stated it did not work. I provided him with our American Express card, and he ran it on the handheld device and stated that it was all good. He did not give us a receipt stating that the receipt portion of the machine wasnt working. We did not sign any receipt. 
When we got home a few days late, we were reviewing our charges and saw that we were charged USD {$2300.00}. Of course, we contacted Amex to dispute the charge. 
Amex stated they would do an investigation and get back to us. Amex stated that since the merchant was able to provide a signed receipt that they were not going to reverse the charges. We again contacted Amex and stated that the signature on the receipt was not ours, and although we were at that gas station we only got about 6 to 8 gallons of gas. We also told Amex that we never received any communication from them on the day of the charge regarding the large amount. Amex again stated they would investigate and again the answer was the same. They would not reverse the charges, they stated we could not provide any evidence that disputed the receipt from the merchant. 

We decided to contact the XXXX  and the response from Amex was again that there was nothing they could do. We had given the merchant our card and they do not authenticate signatures. 

We are astonished by the response from Amex. The main reason we have used Amex outside the country ( we live in the US ) is because of their reputation for always having the back of their customers. We are so disappointed, frustrated, and disgusted. We would appreciate any help in resolving this matter in a manner that is fair.