davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2022, my Chase Explorer card was used to fraudulently purchase a {$770.00} gift card from XXXX XXXX. Later that day the card was used to purchase XXXX XXXX merchandise. On XX/XX/XXXX Chase was notified of the bogus charge and they issued a credit. On XX/XX/XXXX Chase notified me that their investigation showed that I had ordered the gift card and acknowledged their trigger letter, and that they were reinstating the {$770.00} charge. I never ordered a gift card, never received a trigger letter, never ordered merchandise, and never got any product. Multiple subsequent calls to Chase have fallen on deaf ears. Chase insists that I provide proof of not ordering and not receiving -- an impossibility. I have talked with XXXX XXXX and they refused to provide any useful information, like proof of delivery or even where and what was ordered.
Consumer complaint received 2023-04-07
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. (CO)

For the second time in two days, my Experian account has been compromised. I did all of the necessarily steps to reset my password and pin and security question, and enabled two-step verification. I received an email today at XXXX. that said " You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX. '' When I logged into Experian, my email address was changed to something that was not mine, and the phone number was changed to something that was not mine. In addition, the 2-step verification was turned off. I suspect that someone can just click " I forgot my password '' and answer all of the security questions to get back into my account, and then change it to their information. If they can keep getting into my account, they can unfreeze my credit and continue to apply for credit cards with my information. Experian is doing nothing to fix the situation.
Consumer complaint received 2021-12-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage has emailed, called, and texted me to try to solicit their mortgage services to get me to refinance. I have requested multiple times that they stop contacting me as I am not interested however they continue to contact me. I want to be permanently removed from their contact list.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IA)

I have made multiple phone calls to your company and spoke with many managers that which who have all stated that there is no credit history on file. The bank which I opened a secure credit card shows a {$170.00} unpaid medical bill. I faxed all of that information to your company. When I called twice regarding some confirmation if your company received the fax both representatives stated that nothing was received. My personal banker who opened my secure credit card also called the business company line to your bureaus and a representative stated that there is no credit history. This is very strange when I have a line of credit, and I am not even able to dispute the {$170.00} unpaid medical bill that was from XXXX  and I became a new XXXX  of the U.S.A. in XXXX. This is a mess, and needs to be fixed and your credit bureau agents and managers I have been in contact with are uneducated on what to do in the situation and are complete unprofessional. I grantee I am not the only person that has had this issue before. It is very odd. There must be a solution to this problem.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX
Consumer complaint received 2019-10-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both XXXX XXXX XXXX  ( XXXX  ) and HSBC ( Beneficial ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although HSBC did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized XXXX as their attorney in fact ; according to the documentation XXXX provided. Either they did or did not authorize XXXX as an attorney in fact. If they did, they are culpable. I would like written confirmation from HSBC stating in the affirmative the fact they did or did not authorize XXXX as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX XXXX ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX XXXX references in the XX/XX/XXXX AOM. The actual address is unknown as it is not listed in the mortgage document referenced by XXXX. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both XXXX and HSBC are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than XXXX or HSBC, as it is evident they lack the integrity in their ability to investigate these matters independently.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

There is an unknown and unverified debt reporting on my credit report with all 3 credit bureaus. The collection compnay shows lvnc funding llc c/o resurgent. The address for that company shows XXXX XXXX XXXX XXXX, SC XXXX. The collection amount is showing {$96.00}. I have ever done any business with this company. I have reached out to the company by letter. On XX/XX/2019 a mailed a credit validation demand letter to try to obtain information as to why its reporting or where this debt originated from. I sent the company a priority letter with signature requested and a certified letter. Both letters have tracking. The priority letter with signature was delivered to the address above on XX/XX/2019 at XXXX. This letter has not been picked up from the post office. I also show the certified letter was delivered but on XXXX XXXX at XXXX. The company has not responded or provided me with any proof or documentation that this debt belongs to me. Both letters stated the company had 30 days from the receipt date to respond. I have received no response. In addition the letter stated until the requested information was sent validating I owe this debt, all collections needed to cease and desist. On XX/XX/2019, when I reviewed my credit report, I showed the company still continued to report the debt after receiving my letter. I do believe the letter, that needed signature has not been retrieved/ignored, as a deceptive tactic to continue reporting and trying collect on a debt. The reason why the company received the demand validation letter, is because i never received a letter from the company and the inaccuracy is damaging my credit.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I contacted Wells Fargo for a loan modification on the mortgage for a rental home that I have had since XX/XX/2009. The costs have continued to increase every year for the past 15 years, while the Section 8 rent can not be increased and the tenant owes more than {$5000.00} in back rent spanning the 15 years. I can't evict the tenant because I don't have the money to rehab the house for a new tenant. The housing market crashed not long after I purchased the property, so there has never been enough equity to refinance to a lower interest rate. I struggle to pay the mortgage AND make needed repairs to the property. 

I am still paying 7.25 % interest on this loan which is double current rates. Wells Fargo 's " modification '' is to just increase the length of the loan to 40 years at the same 7.25 %. I currently only have 15 years left on this mortgage and Wells Fargo is trying to make me agree to a 40 years term. Wells Fargo told me to stop trying to make payments during their months-long review of my application for a modification. Now it seems they are adding the back payments to the balance as 100 % interest without applying any of the back payments towards the principal. But I don't really know what they are adding to my principal because they won't give me a specific breakdown on how they have inflated the amount owed. They say they can not give me an amoritization schedule until AFTER I am locked in to their " modification '' .So I can't even see how much excessive interest they going to make off of my hardship. If I refuse the modification, the total back payments of {$3200.00} becomes immediately due and Wells Fargo will start foreclosure on the property because I don't have {$3200.00}. Wells Fargo is not offering a fair modification, they are just maximizing the amount of interst that they can get away with charging me.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (MI)

1. They send me an invoice in the mail every month, after I've asked them multiple times not to send me an invoice. I turn on electronic invoices, it somehow turns itself off. They should look into why or where it's being turned off at.

2. I just tried to use my card twice, it declined. I reached out, they said, " we are requiring proof of address ''. I just moved and don't mind ; however, I was not notified about my card being shut off.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I contacted Equifax about the information they had in the system on my current address. they show my current address as a place I have not lived since XXXX. They had the current address as a Colorado address I left in XXXX and when I disputed the info they did not look at my documents showing my current. I attached a bank statement showing current address but they did what they do, screw things up. I tried to dispute the info again and now I am unable to attach any documents. I emailed the documents to their ETsupport and am still waiting. XXXX and XXXX have already fixed the address change but Equifax will not. I figured I would contact you first before I hand it over to an attorney to sue them for reporting false information. I just need it fixed so we may buy some property. PLEASE HELP
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (FL)

OneMain Financial has called my grandmother & I on multiple occasions to collect debts in which we do not owe! My sweet grandmother is currently on bed rest with a XXXX XXXX from XXXX and I do not appreciate this company bothering us with unnecessary calls! The lady who called me had an unpleasant attitude when I answered the phone and had an even worse demeanor when I inquired about her identity. She proceeded to ask me if I knew the whereabouts of XXXX XXXX. This a violation of Title 15 U.S.C. 1692c ( b ) ( Communication with Third Parties ) because I have not, nor has my grandmother, consented to or authorized any form of communication with OneMain Financial. Mr. XXXX surely did not list our names or phone numbers as a references for this company to contact so I would like to know how and where they retrieved or phone numbers. After I asked the lady to identify herself again, she hung up on me without answering my question and that was a violation of Title 15 U.S.C 1962b ( 1 ) ( Acquisition of Location Information ). On XX/XX/2021, I managed to capture a screenshot of one of the calls from OneMain Financial and I will attach that photo with this complaint. According to Title 15 U.S. Code 1692k ( Civil Liability ), the debt collectors who call our phones are violating two of our rights in Subchapter V. ( Debt Collection Practices ) and should be held liable for damages! OneMain Financial Group LLC is also not registered in the State of Florida with the NMLS which is a violation of Title 12 C.F.R. 1008.103 ( Individuals Required to be Licensed by States ), so there is no way I am going to tolerate such behavior from this business!
Consumer complaint received 2020-12-02
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: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding is reporting a debt on my credit that is not mine. I recently checked my credit file and noticed this debt on there. It looks like they are trying to collect for XXXX XXXX. I have never opened an account with XXXX XXXX or any retail credit cards and this is someone else 's collection. I've had the same issue of receiving things for someone with a similar name. This debt is not mine and should not be reporting on my credit. I suggest Midland Funding finds who this debt belongs to.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXX, TN, XXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using Metro 2 Compliance Codes for handling identity theft cases : XXXX Disputed information provided by the consumer XXXX Fraudulent information ; action required for verification XXXX Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry.

2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report.

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TN)

I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XX/XX/XXXX to release my medical records to paramount recovery.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXXXX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls
Consumer complaint received 2022-05-14
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. (FL)

I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.
Consumer complaint received 2021-12-07
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. (PA)

I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.