davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-30
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I had credit card with CITIBANK NA which was the original creditor. The account was closed/charge off and now XXXX XXXX A. has purchased the account, this company now is claiming the account, they harassing me when they call. The worst part is I have CITIBANK and XXXX XXXX both in my credit report. This is a tremendous abuse to the people.
Consumer complaint received 2023-08-01
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. (TX)

I HAVE BEEN THE VICTIM OF IDENTITY THEFT AND EQUIFAX REFUSES TO OFFER ANY RESOLUTION WITH CORRECTING MY NAME AND ADDRESS TO MATCH MY DOCUMENTS AFTER SENDING IN MY LICENSE, BANK STATEMENT, SS CARD ETC I SPOKE WITH A SUPERVISOR ON XX/XX/2023 AFTER AN EQUIFAX REP UPDATED MY INFO INACCURATELY ON XX/XX/2023 AND HE REFUSED TO OFFER ME ANY RESOLUTION - XXXX F Employee ID XXXX
Consumer complaint received 2023-01-17
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. (VA)

TransUnion XXXX, XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request, XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Have written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-21
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I am making extra payments that are supposed to be applied to principal but they are waiting 5-6 days to post it, while that's happening interest is accruing on a principal balance that is higher than it should be. Leaving me to make more money because they aren't processing my payment they day the receive it. In addition, they allow for Bi-weekly payments to be made for your mortgage payment which I am enrolled for, but they again wait to apply this payment until the second payment is received. Which again lets more interest to accrue on a higher principal balance than it should be, leading me to pay more and them to take advantage of me by not applying the payment right away.
Consumer complaint received 2023-01-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX To whom it XXXX concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX 

Today I received the attached letter from XXXX XXXX, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with XXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services LP XXXX 

XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX XXXX XXXX 

I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX I have found that they have an ALERT, for XXXX, and they have XXXX complaints since the last XXXX years, and what each and every XXXX of the consumers have complained about, I have experienced it all.
Consumer complaint received 2021-12-03
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: ALLY FINANCIAL INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. ALLY XXXX is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( ALLY XXXX XXXXXXXX )
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I had a conventional 30 year mortgage in forbearance with XXXX due to Covid 19 issues. 
XXXX sold the mortgage in 2021 to Nationstar now XXXX as Mr. Cooper who honored XXXX forbearance agreement I successfully completed XXXX XXXX XXXX XXXX 3 month trial in XXXX On XX/XX/XXXX Mr Cooper sent me a proposal for the new mortgage which is a 40 year mortgage at the same rate as my previous 30 year mortgage The first XXXX  years of the mortgage are interest only payments and then the last 30 years are conventional My opinion is this is a punitive proposal What is my recourse to obtain either a lower rate or change this to a conventional mortgage where a certain portion of the payment would be applied to the principal for all payments? 
Is what Mr Cooper proposing legal? 
I did some research and their previously named entity were fined for unfair practices with mortgages, probably the reason they changed their name. 
I have 14 days to respond from the XX/XX/XXXX and am not sure what are my options I am sending Mr Cooper a letter tomorrow disputing the terms of the agreement What other recourse do I have? 
Thank you in advance for your response. 
XXXX XXXX XXXX @
Consumer complaint received 2022-03-29
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}
Consumer complaint received 2020-05-14
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. (LA)

I wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (IN)

in accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX  XXXX  XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX. This is re-aging my account and is illegal. 

XXXX XXXX XXXX delete this account for inaccuracy because payment history show on XX/XX/XXXX : XXXX On XXXX XXXX Charge Off XXXX On Time Set Financial XXXX delete this account because it is a Charge off but reporting a monthly payment. This is inaccurate. 

CB Indigo XXXX delete this account for inaccuracy because the payment history show XX/XX/XXXX : XXXX XXXX XXXX Charged Off XXXX On-Time XXXX  XXXX  XXXX delete account for inaccuracy because date of last activity is different on reports : XXXX XXXX XXXX XXXX. This is Re-aging my account and can not be on the report. 

Nation Credit Adjust XXXX Delete for payment inaccuracy because payment history show : XX/XX/XXXX XXXX XXXX XXXX Charged Off XXXX On Time. 

XXXX  XXXX  XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX  On XXXX XXXX  Charge Off XXXX On XXXX XXXX XXXX XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX On XXXX XXXX Charge Off XXXX On XXXX XXXX XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX This is re-aging my account and is illegal. 

XXXX  XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX  has XXXX XXXX  has XXXX. This is re-aging my account and is illegal. 

Also 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 an account without my written instructions.
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

My vehicle was repossessed in XX/XX/XXXX while I was in the XXXX XXXX without warning. I was in contact with the bank the entire time during my financial crisis due to the car breaking down and requiring XXXX of dollars in repairs ( entire new motor ). 

They seemed to understand over the phone and gave no warning they would repossess my car. 

After the car was repossessed I called to ask how I could get the car back, they told me they will mail me the auction location. 

By the time the mail came it was passed the date of the auction so I had no chance to retrieve the vehicle. 

I asked how much they sold the car for and how much they took off the loan. Was never given this information. 

Over the course of 6 years this loan debt has been sold more than once like its still a car. 

The company wrote this off on their taxes years ago and are still throwing this around on my credit report. They also tried to scam me into sending them money even though they are no longer the loan holder. 

I want this account closed, as I have suffered enough over the last 6 years due to this company not communicating with me. It was unfair the way this company went about this entire situation. Not disclosing the amount I was owing after the auction and mailing how to get my car back instead of telling me over the phone. No warning when I spoke to them a week before the car was taken, even though I told them payment will be sent in a week.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

On XX/XX/XXXX I mailed two checks for credit card payments at the post office. One was to XXXX, the other to North Shore Bank. The check to XXXX cleared my checking account in five days. The check to North Shore bank took eleven days to clear my checking account. 

The XXXX statement from North Shore Bank shows the check to have been received one day late on Sunday XX/XX/XXXX and eight days after it was mailed. North Shore Bank assesses some {$70.00} in interest and fees because of this alleged late payment. 

North Shore bank has declined to reverse these fees.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 items 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 items 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 items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$8900.00}, 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 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 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit AcXXXX. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

XX/XX/2019 we contacted our lender regarding a loan assumption process on our existing twelve year loan the underwriter denied our request because we do not live on the property, we have never lived on the property. This was an investment for us we refinanced appx six years ago it was not required for us to live on the property at that time why is this an issue now? Our son is on the mortgage and has always lived on the property due to his recent divorce this is the reason for this assumption. We gave always paid our payments on time, why is it now a requirement after twelve years with this lender?