davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

The amount of times and different numbers Portfolio Recovery has called me from is harassment. They call me before I wake up in the morning. They call me at XXXX XXXX  when I am at work. They call multiple times a day from lots of different phone numbers
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

It was around beginning of XX/XX/XXXX when I realized I could no longer access my account online, and a few days later received a letter saying that Citibank has closed my account ( for reasons unknown? ) and therefore my card has been disabled and I no longer have access to my account. I asked about the funds remaining in the account ( XXXX roughly ) and they said that they would be issuing a check after 60 days. They told me to call back after XX/XX/XXXX to confirm this. After waiting and not seeing or hearing anything about my balance I called back on XXXX they told me that they didnt have any information on my account and I needed to call them back next week as some of the department wasnt in the office. I even went in to a physical branch location and they said they could not help me and that I had to call the number on the back of my card. I have tried several more calls and just getting the runaround, no one can tell me anything and as my last call 2 weeks ago they said wait you will be receiving a letter from us regarding the status but as of today theres been no letter from them and still no one can tell me what happened with my balance and how I can get my money back. Please help me sort this thing out ASAP Im at my wits end with this issue as I really need my money back Im not a rich person and that money I was relying upon for bills etc. please let me know what else you need from me to resolve the problem with this checking account that was closed by Citibank and will not give me my money that was remaining in the account.
Consumer complaint received 2019-04-24
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Report Number : XXXX XXXX Date Generated :XX/XX/2019 Account Name TOYOTA MOTOR CREDIT CORP Account Number XXXXXXXX Toyota has me listed as an account holder on this account, i was not an account holder of this account and am formally requesting this account be removed of of all 3 bureaus thank you
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and Transunion about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) Transunion and XXXX were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and Transunion.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, When the pandemic began we applied to Wells Fargo for a program offered to delay our mortgage payments for three months. They approved and told us that the non paid months would be applied to the final payment of the mortgage. We then did another extension for three more months and then again two more times bringing the total to 12 months. After this 12 month extension we applied and were approved for a loan modification.

We were given a three month trial period at this new rate. All went well we made all our payments and Wells Fargo said we would receive a new loan modification permanently that they would send to us to sign and send back. 
We received the document and sent back via XXXX to Wells Fargos headquarters. 

We constantly kept checking to receive confirmation and the system kept stating that our information was being updated and not ready for us yet. We were concerned as we had not received any response to finalise this new loan. Rather than wait and risk problems we went ahead and paid our mortgage applying the old higher rate. Rather than have these payments post as new payments for the mortgage due, Wells Fargo had them apply to back payments despite the fact that we had been assured. 
I Writing and verbally ( And Fax ) that the Covid extension would be paid at the end of our loan. 
Also let me reiterate we were calling constantly and checking the system and were not getting any information other than the system was upgrading. 

XXXX  the XXXX of XX/XX/2022 I contacted Wells Fargo because my statement showed a note of default and requested payment for all the year at once ( {$100000.00} ). Wells Fargo home preservation department said that in XXXX they had sent a letter requesting more information and because they did not get an answer from me they removed us from the loan modification program they had agreed to. 

We never received the letter, we never received a phone call or email and we were intensely trying to call Wells Fargo and reach them by email but got no information. 
This is XXXX days before XXXX. 
Thank you so much for your help.
Consumer complaint received 2023-03-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} I have already sent the required files to the FTC XXXX
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (CA)

I entered into a loan modification agreement with The Money Source in XXXX t

o get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The Money Source Loss Mitigation Department and not through the same channel as my regular payments were made. Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.
Consumer complaint received 2023-03-24
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)

I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-04-24
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. (NJ)

Experian sent me an emailing on XX/XX/2022, claiming to have allegedly investigated my dispute and verified the accuracy. These accounts are NOT accurate and Experian is continuing to be unfair. An Investigative Consumer Report has now occurred. I did not give Experian direct written consent to furnish any of these alleged accounts to my consumer report. Experian investigation was not fair and accurate and I have requested for them to send Per 15 USC 1681 ( i ) ( 6 ) ( B ) ( iii ), that within 15 days to detail who you were in contact with and what method to determine the accuracy of the accounts and information of your investigation.
Consumer complaint received 2022-05-19
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$590.00}
Consumer complaint received 2022-05-19
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. (IN)

In accordance with the Fair Credit Reporting act 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 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc. (IL)

State collections have been notified several times of my bankruptcy and still attempt to collect. Provided false information on prior cfpb complaint. I did not file a ch XXXX i filed a ch XXXX on XX/XX/2019
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bayside Credit (CA)

i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down XXXX points because of the remark they added. instead of it going up because i made a payment it went down and XXXX points is a lot.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (FL)

I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by XXXX. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my XXXX  report as well as my XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XXXX  report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.
Consumer complaint received 2022-10-01
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. (TX)

I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Consumer complaint received 2023-03-24
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)

n 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 U.S.C. 1681- Account name : XXXX Acct # XXXX has violated my rights Account name : XXXX XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX Acct # XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX has violated my rights Account name : XXXX  XXXX Accnt # XXXX has violated my rights Account name XXXX  XXXX Accnt # XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX XXXX has violated my rights Account name XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


15 U.S.C. 1681Section 604A section 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S.C. 1681c ( a ) ( 5 ) a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2021-02-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (UT)

XXXX GMAC - Our problem began-we were being forced into foreclosure, un beknown to us. One night XXXX we came home to a woman at our front door-Realtor wanting to list our home as she was aware we were in foreclosure. ( We were take by surprise and informed her our home was not for sale ). We had many horrible phone calls with agents at GMAC stating we were in Foreclosure. Not behind on payments, this became a heated phone call. This has been an exhausting process. You can see the history of our request to make this right with our Mortgage. I do hope you can see all the horrible history and complaints filed, working with the Utah Attorney General Real Estate office ( he passed away, I later found out and he helped us more than anyone ). Never satisfied with the outcome as we were scammed during XXXX with the SubPrime loans. We wanted a FIXED rate our payments were to be around {$1500.00} this was XXXX. We were highly pressured at the time to go with the Lower Payment. Which continued to change everything over time and by 2008 with GMAC our world with our home security was threatened. Exhausting fight to make it right. Hired a lawyer, dropped the ball. We fought to keep our home to end up with a huge Balloon. We will never own our home, which is sickening to me. This is all because of the SubPrime Scam. This has been forever exhausting to continue to fight for our rights to Own our Home.