davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax and XXXX  should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (TX)

I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following : XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Their response is 30 days late, and I have not received a response yet. Please remove these items from my credit report that were originally disputed with the company.
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

Over the past 3 years, I have been trying to refinance my current home loan with Mr. Cooper ( NationStar ) to pay off some bad debt. Each time I apply, I am given some discriminatory reason as to why I am not eligible for a refinance even when I have the credit rating, the income and meet all the necessary criteria. However, all NationStar Loan Specialist - look high and low for reasons not to offer me a refinance based on race- even when there's ample money after the loan amount exceeds the 80 % rule and the property and comps in the area are more than XXXX XXXXXXXX higher the amount owed. I have been told I didnt meet the criteria because I owed money from a home loan modification that is not shown on my monthly mortgage statement - hidden debt. the home loan modification was placed at the back of the loan as an addition. I have been told my actually mortgage owed is XXXX XXXXXXXX plus XXXX XXXXXXXX from the modification. This is illegal and unlawful monies being added to a mortgage loan that was initially XXXX  XXXX. The math is not adding up based on my documents. I tried to obtain a refi in XX/XX/XXXX and was given another excuse and then again today, XX/XX/XXXX. I was told my HOA does not accept FHA Refi loans ; how can my HOA dictate whether or not I am able to refinance and under what programs, i.e., FHA, XXXX, XXXX. I was also told I owed XXXX and XXXX XXXX neither of which are on my credit report. When I go into my mortgage account - nothing shows a refinance was even processed. After I am told verbially I can't refinance, I never receive supporting documents to conclude their decision.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of signed HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2022-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have submitted a dispute on a charge from XXXX XXXX because I cancelled the membership and capital one card did NOT help me with the dispute and did NOT give me a credit for the XXXX dollars that I am disputing and they have not contacted and charged back XXXX XXXX. The case number is XXXX. I cancelled the membership according to the company XXXX XXXX policy and I should have received as a refund from them XXXX dollars but they only gave me aRefund of XXXX which is wrong so I disputed the remaining XXXX dollars out of the XXXX dollars that I paid XXXX XXXX. Capital one sent me a letter stating that they gave me a temporary credit of XXXX dollars but they did NOT. I do NOT see any credit from capital one for this dispute. 
I want capital one to help me with this dispute and to credit my card with my money of XXXX dollars and I already emailed and faxed capital one with the documents that they requested from me but I do NOT see a credit to my account even though they said that they gave me a credit. 
Again the case number is XXXX I need capital one to protect me from XXXX XXXX and to prevent them from stealing my money and to refund me the correct amount I paid for a year of membership at XXXX XXXX and I cancelled after 6 months on XX/XX/XXXX so I should get a refund of XXXX dollars but they only gave me a refund of XXXX dollars and that is totally wrong because they still owe me XXXX dollars .and capital one should give me a credit of XXXX dollars
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XX/XX/2022 I reached out to XXXX  through CFPB website to file a complaint with this company, before that I filed a police report and identity theft report which by law served as part of the notice and procedure I have to follow to get a block of this information. I uploaded these things to the CDPB website to forward to the company. I was closed with little explanation and no further steps taken to remedy The consumer after i put the company on notice about me not consenting to the pulling of my credit report and evidence that gat give authorization to this company to continue to report this because it is accurate. I have mailed a certified mailing letter to this company to cease and desist and it arrived XX/XX/2022. I am waiting for a deletion and a response. This company is stopping me from obtains household and personal items due to this fraudulent account on my report.
Consumer complaint received 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I lived at XXXX XXXX XXXX XXXX in XXXX, Ga XXXX back in the early XXXX. I lived there for over 10 years. They foreclosed on my home when my husband and I divorced. We divorced in XXXX but we were paying a company to help us avoid foreclosure. They still foreclosed on the home and would not refinance or help us. I believe they foreclosed in XXXX? My memory of all the details is not good because it was such a traumatic time for us.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX  and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I applied for new credit card with Citi bank early XXXX with no interest charge for an year. I signed up for online banking and paid minimum due every month till year. After completion of one year I got an email saying that your free interest period is complete. I tried logging into online portal and I was not able to log in and website asked me to contact customer support, I called them and was on hold for long time as its covid period and resource problem. On XX/XX/XXXX I was able to reach Citi bank customer service logged into system and requested to removed few interest charges as its due Citi bank technical issue I was not able to pay the bills. No one responded properly and was not informative. I pointed out the problem with website too. I stopped my monthly payments as they are not responding. This impacted heavily on credit score and my car payments. 

Today they decreased my credit limit almost by 90 % and launched a new website design for online banking. 
I asked to a relief of $ XXXX for interest and pointed online banking problems. Instead of at least responding to my questions they decreased my credit score and credit limit.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (VA)

I have sent {$500.00} to a friend who I usually send money to through them ( Zelle ) than I received a notification from Zelle that they completed the transfer and the money was delivered so I called my friend to confirm and he said no money is sent or transferred to my account. I called Zelle and told them there is no money transferred to the person I send the money to so whats going on, they said call your bank. My bank couldnt help me. I need to know why they said that the money was posted to my friends account when they did not because the account, the name of the person and phone number all are the same nothing is changed they have transferred several times before they must did something wrong this time.
Consumer complaint received 2024-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (MI)

I was sent loss mitigation paper work and I had them notarized and submitted. Essex mortgage contacted me and told me they were not accepted and I needed to resubmit them. I spoke with someone on XX/XX/XXXX. Explaining to him my situation and that I would not be home until XX/XX/XXXX to receive the new documents and I was not in range of a printer to print the documents from my email. He stated there were no worries because my first payment on this loss mitigation agreement wasnt due until XX/XX/XXXX so as long as they were returned before then we are in the clear. Now today XX/XX/XXXX one week later I have people harassing me about these papers as if I dont already have enough going on. Not to mention I have a family member checking our mail back at home and the documents have yet to be sent to my address. There is absolutely no communication within Essex mortgage. Absolutely nobody truly cares what youre going through. I was told I wouldnt be harassed over these documents and not to add this to my stress Im already facing. Yet, here I am receiving collection calls. From someone very rude I might add.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX  XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information. 
Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files. 
LVNV Funding LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
I am not a party to any agreements that LVNV Funding LLC may or may not have with XXXX XXXX XXXX  XXXX A. I am not responsible for LVNV Funding LLCs purchase / transfer from XXXX XXXX XXXX  XXXX. I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
LVNV Funding LLC reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither LVNV Funding LLC or XXXX XXXX XXXX  XXXX. are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On behalf of a client, I submitted a Request for Information under 12 C.F.R. 1024.36 to PHH Mortgage in XX/XX/2022 requesting a payment history, all loan modifications, and all operative loan agreements for the account. I included an authorization to request documents from PHH signed by my client. I sent this request to PHH 's designated RFI address. PHH responded with only copies of two loan modifications, but no payment history. 

I submitted a second Request for Information under 12 C.F.R. 1024.36 to PHH in XX/XX/2022 requesting a payment history on the account. I know that PHH received the RFI, because I received a return receipt for the RFI dated XX/XX/2022. PHH is required by law to respond within 30 days. However, I have still not received the requested payment history from PHH.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank allowed a third party to cash ten ( 10 ) post-dated checks against my checking account in the amount of {$100.00} each. When I pointed out this error to them immediately, they acknowledged the mistake but said there is nothing they can do about it. This is true despite the fact that the checks all had improper dates on them on their faces. I spoke to many representatives at Citibank who could not resolve my issue. Most recently, on XXXX to someone who described himself as a manager, but who would only give his first name ( XXXX ) and employee I.D . number ( XXXX ).
Consumer complaint received 2022-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, and BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I checked my credit scores in my XXXX account. Ive recently paid off two auto loans, and a motor home loan. Ive also limited new credit card spending as I am working hard to pay off my debt soon. Ive never missed a payment, no bankruptcy, nothing negative on my record. Equifax dropped my score over 60 points because I payed off those loans ... and all I have is my mortgage and credit card debt. The other agencies did not drop. I am also paying off my credit cards in lowest balance order. I contacted Equifax, and they told me they could not tell me why my score dropped and sent me to a debt management agency. I want to know why I am being penalized for paying off my debt, and pay my bills as agreed?