davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting 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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-09-10
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: Continental Finance Company, LLC (TN)

I have had fraud on my XXXX XXXX XXXX XXXX. I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. I even provided police report showing my car was broken into and my card was stolen, I have confirmed fraud and they are still trying to hold me responsible for confirmed fraudulent charges.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Between XXXX & XX/XX/2022 someone hacked my bank account and used XXXX stealing XXXX dollars. Theye added them selves with a name of XXXX XXXX and it had an email address XXXX actually showing it going to a XXXX XXXX. None of these transactions were authorized by me I went to the bank and I disputed them and got a denial letter I already change my password and everything. According to the CF. Website As discussed in Electronic Fund Transfers Error Resolution : Unauthorized EFT Question 1, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. This includes P2P payments.

I attempted to contact the email address but no luck. I filed with the bank and they basically accused me of giving out my login information even though The branch XXXX and myself made it very clear that I didnt share with anybody. In fact I was asleep when this happened. I want my money back as that is my kids school supply and clothes money.
Consumer complaint received 2022-07-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this accounts 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 accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2019-05-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

This is a complaint about ditech financial LLC mortgage. Their underhanded tactics in making XXXX elderly seniors lose their home. They received my payment on XX/XX/XXXX through their website. They did not apply my mortgage payment to my loan, they placed the money in a unapplied suspended account fund. They receive the full amount for my monthly payment that was due for the month of XXXX. I spoke with one representative on XX/XX/XXXX and another representative on XX/XX/XXXX. Both representative stated they will send a letter to correct my account. But nothing has happened it's been two weeks now. So I decided to send a letter Written Letter a Notice of Error to Ditech Financial XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

The issue is that I was unaware of a balance from this company and have not received any bills or letters stating that there was a debt to collections. Also, it is reporting that this account is new on my credit on XX/XX/2019. I have not opened any new accounts in two or more years.
Consumer complaint received 2020-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

*According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2020-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

my home loan was bought from XXXX by New Rez. Each month they tell me my pmt was late and i owe late fees. Several times I have sent documentation from my bank to New Rez to validate they cashed my check before the due date. This seems to work until the next payment is due and then I have the same problem. This is costing money and time. When I speak with someone in cust service they say my accnt is fine. When I request a payment summary statement it shows all pmts made before the late date. I am incurring late fees. My accnt # with New Rez is XXXX thank you
Consumer complaint received 2023-03-15
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-28
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-09-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (RI)

I previously opened a complaint about a second mortgage Loan I received from hud in the amount of XXXX. I called loancare to get the break down of how much I was behind and the rep stated around XXXX including late fees. I then asked for a break down of where the remainder of the money went and if they could send me a break down of the remaining money in writing since I am have to pay off XXXX to hud. On XXXX loancare sent me only a copy of my agreement not a break down of how the money was added or not added to my account. I need clarification because I did not owe XXXX dollars and not understanding why they received so much. My mortgage balance as of now is XXXX and I purchased my home for XXXX and have been here for six years. Where is the money?
Consumer complaint received 2022-07-28
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. (LA)

I am submitting this complaint because I still believe there are errors on my credit report. I would like the Credit Bureaus to verify the account below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the account : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the derogatory status since they have already been paid for. Please investigate these illogical statuses and provide me with the date of the last activity for the account. REMOVE this account if unable to provide proper verification. The Credit Bureaus must validate this account in line with the FCRA 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.
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I bought the home on XX/XX/XXXX. Money placed in Escrow to pay insurance on home. The insurance due this year on XX/XX/XXXX. I received the invoice and called the mortgage company to ensure it would be paid. They said when they received in the mail. I called insurance company to make sure it was mailed to the mortgage company and it was. I received another letter stating insurance was not paid on XX/XX/XXXX. I called again to mortgage company they stated did not receive bill. I ask them to call insurance company while I was on the phone, they refused. I ask what could be done. They said it was my responsible to ensure insurance was paid. I called Insurance company again had them fax bill and declaration over. I called Insurance company the next week to ensure it was faxed on XX/XX/XXXX it was and I called Mortgage company ever since with no response and still unpaid insurance bill. I called my lender guy I work with to help he said he would and get legal team on board and still unpaid.
Consumer complaint received 2022-09-10
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: Mr. Cooper Group Inc. (CA)

I found these unauthorized inquires on my credit report. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (NC)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo to resolve a complaint about interest charges due to an issue of Wells Fargo not debiting my account for the credit card fees. Wells Fargo fixed that issue and offered to set up automatic payments for my credit card so this issue would not arise again. I agreed. 
six months later while reviewing my bills I realised that I was being charged monthly interest. On contacting wells Fargo they told me they automatic payments have been set up for the minimum amount due and not the full amount. when setting up the automatic payment, I was not provided with this information.

I have requested Wells Fargo to refund the interest charged for the seven months as the minimum payment was set up without my authorization either by mistake by wells Fargo or maybe intentionally to earn unnecessary interest. 
It should be noted that there is no easy way for setting up automatic payment online at the Wells Fargo site, nor is the information that only minimum payments are being chrged clearly shown on the online credit card statement. 
It was only when I downloaded the PDF statements was I able to see and understand what was happening.
Consumer complaint received 2020-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called over 10 years, They removed it and now it is back on. 
They are so rued to talk to. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-07-28
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. (VA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( 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 as soon as possible : 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 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there a number of inaacuracies on my consumer report that still remain. 

They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Investors Servicing Corporation, Atlanta, GA Branch (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I am in need of help by the CFPB to resolve this matter as I believe my voice as a consumer is not big enough to resolve this matter even though I have tried lengthy processes to get this resolved since XXXX. XXXX XXXX placed a {$280.00} collection on my credit report for an address I have NEVER lived at. This internet/tv account was fraudulently opened. Moreover, it is now XXXX and is past the statute of limitations. That aside, this account is fraudulent and was not opened by me. I have attached an FTC fraud report as well as the police report number is noted. I also was a victim of the XXXX data breach as well as the XXXX data breach. Additionally, I was informed by the IRS that my SSN may have fraudulently used to pursue employment. I am a victim of ID Theft and I have filed multiple complaints to remove this but to no avail. I have filed a case number with the XXXX XXXX  portal : Report Key : XXXX I have spoken with Credence Resource Management ( XXXX ) who is currently reporting this collection on my credit report. And they were unable to remove this despite them aknowledging the fact that I firmly am disputing this as fraudulent. 

Moreover, I am a resident of XXXX  and XXXX  I have never lived in XXXX  where this account was fraudulently opened.