davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On the morning of XX/XX/2021, I received a notification from my insurance company ( XXXX XXXX XXXX stating that my mortgage insurance premium had not been paid by my lender Pentagon Federal Credit Union ( PenFed ), from my escrow. I then proceeded to login into my mortgage servicing portal online at PenFed. I saw that a payment was made to a XXXX mortgage insurance policy on XX/XX/2021, in the amount of {$1700.00}. I have never had a XXXX mortgage insurance policy and called PenFed to figure out why my account reflected the wrong policy and why this money had been paid to the wrong account. I was told by PenFed to call XXXX to discover why I had another policy. 

XXXX discovered that the policy that was paid from my escrow account was for an address similar to my own and that they thought this was an error of double payment. XXXX stated that they refunded the money sent to them from my escrow account to that other homeowner. I spoke with another PenFed rep, and they informed me that I had to try to get the refund from XXXX for an account that was not mine and a significant error on their part. I was provided the check number and the dates the erroneous check was sent and cleared from PenFed and asked to provide that information to XXXX in an attempt to fix the situation. I asked why I had to coordinate between both of the companies ' mistakes and why PenFed couldn't take the lead in correcting this problem, to which I was given no sufficient answer. 

On the final call on the evening of XX/XX/2021 to XXXX, their insurance billing team stated that I needed to have PenFed fax them a copy of the erroneous check and that they would investigate it. This completely contradicted the conversation I had hours earlier with a PenFed and XXXX rep at the same time. 

I called PenFed on XX/XX/2021 at XXXX XXXX to request that they fax the check image to XXXX to start the investigation. My account information for the mortgage still reflects the wrong policy number in the PenFed system. Also, I asked how my mortgage insurance policy premium would be paid now that my escrow account would not cover the balance, and it was past due on XX/XX/2021. I was told that PenFed would look into it.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC (TX)

A debt collector named WILLIAM RUSH & ASSOCIATES has been in contact about an alleged debt. There is no contract between XXXX XXXX and WILLIAM RUSH & ASSOCIATES. There has been no proof as to why I am being contacted. WILLIAM RUSH & ASSOCIATES has only shown me an alleged contract from another company and no where on this paper is WILLIAM RUSH & ASSOCIATES listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from WILLIAM RUSH & ASSOCIATES. I have also given notice to XXXX about this identity theft. I submitted my identity theft report to XXXX with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done.

I demand a debt validation as it pertains to the FCRA from WILLIAM RUSH & ASSOCIATES, with a wet ink signature. If this can not be I demand the removal of WILLIAM RUSH & ASSOCIATES from my credit report. 

I demand XXXX to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.
Consumer complaint received 2021-12-01
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: JTM Capital Management, LLC (CA)

While looking over my credit report I have 3 collection accounts as follows XXXX. XXXX account number # XXXX XXXX. XXXX XXXX account number # XXXX XXXX. XXXX Credit account number # XXXX I contacted the first XXXX XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX because they are the ones who own all THREE  of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to JTM Capital Management , LLC whom once again are not listed on my credit report. I called this company JTM and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.
Consumer complaint received 2023-11-18
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2021-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 XXXX days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXXr and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

XX/XX/21 A BANK TRANFER FROM XXXX SAVING TO WELLS FARGO EVERYDAY CHECKING. AMOUNT {$300.00}. - XXXX XXXX XXXX # XXXX TO WELLS FARGO XXXX - APPL.REF # XXXX FOR NEW ACC OPEN AT WELLS FARGO - AS OF TODAY,XXXX, WELLS FARGO HAS NOT RECEIVED {$300.00} FROM XXXX SAVINGS ACC!!! XXXX TRACE # XXXX
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (OH)

I have reason to believe and do so believed i was discriminated against by this company due to the response they sent. I acted in good faith and was denied credit which is a direct violation of 12 cfr 1002. I have been banking with this institution for little over a year and have been having alot of issues with this bank as well as countless denials for credit cards and credit for auto loan ( s ). This notice is a notice that I am rejecting this offer to deny me the right of credit pursuant to 15 usc 1602 OFFER REJECTED NOTICE ATTN : Navy Federal Credit union XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This correspondence is in regard to the application submitted on XXXX XXXX, 2021, reference no./application XXXX. Which an adverse action letter was received on XX/XX/ 2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. 

Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ).

Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 

You meaning Navy Federal Credit union and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 

Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation :
Consumer complaint received 2021-12-01
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (MN)

I had fraud on my account in excess of {$5000.00} that was done when I lost my debit card. I even filed a police report with the XXXX police and submitted the police report number with my fraud claim. Only today I get an e-mail telling me my claim was denied for " Other '' reasons they determined the transactions were legitimate, without an explanation of how they came to this conclusion so because of that I was unable to tell them why they were wrong and was simply stone walled when I tried to talk to somebody after my claim got denied.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

I recently was reached out to by an Amerisave representative advising that they could provide me a better program than what I had. I was hesitant because it was a new home purchase and I just went through all this. I was told by countless people that this was a good move, I would be saving money and interest. I would argue that they did not evaluate the " net benefit to borrower. '' And that this seems to be " predatory lending ". It is going to take me XXXX years to break even and I only saved XXXX per mo. I was completely lied to! I can send supporting emails, CDs and previous statements to support this claim. I was taken advantage of and I'm extremely upset that a company would do this.
Consumer complaint received 2021-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These account do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

CAPITAL ONE BANK USA N Account Number : XXXX Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/2021, XXXX gave an offer of signing up for XXXX 's XXXX that they would pay {$45.00} for. I don't use my XXXX card much since they changed purchase protection. So buying XXXX XXXX XXXX was the only thing on my card. I paid the {$3.00} in taxes but instead of taking care of the {$45.00} as they promis3d, they said it would take XXXX billing cycles. The amount remained on my card since I purchased nothing else with my card. Instead of wiping out the debt they promised to pay, they charged exorbitant late fees and interest charges, which I then I had them removed. This went on for a couple of months until I just canceled the XXXX 's XXXX membership as it did not look like they would ever honor their promise and they were reporting me late to the credit reporting agencies for money I did not in fact owe. I tried to get them to remove the late reports and they refused. I disputed it with the XXXX agencies but Experian also refused to remove it. This has significantly hurt my Experian score and my ability to get a new credit card which affects me greatly. XXXX 's practices were greatly deceptive. ( XXXX had like offers and immediately removed the charge. I had no expectation that XXXX would not due so. It was after the fact that I learned they wouldn't. ) I think both XXXX and Experian should be forced to immediately remove these late reports and adjust my score accordingly.
Consumer complaint received 2023-05-27
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. (FL)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} 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 As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2022-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Signed and purchased house XX/XX/XXXX with XXXX XXXX. Husband lost job due to Covid in XX/XX/XXXX. Contacted XXXX Mortgage before my XXXX payment was due and they said the only option would be to do forbearance. Since I was not past due I could do 3 months and extend if necessary then I would be able to defer to end of loan. Mortgage company was then transferred to new mortgage company PHH Mortgage end of XX/XX/XXXX. Scheduled first call with Relationship Manager XX/XX/XXXX. Received call for another rep. saying my Relationship Manager was busy but he wouldn't give last name only id #. He said I couldn't stop forbearance and would need to remain on forbearance. Couldn't setup account online to make payment. 10+ scheduled appt with Relationship Manager and received another rep each time only giving first name and id #. Requested supervisor or management contact me many times. Was given incorrect information every phone regarding my loan. I have documented every conversation with dates, times, person name, id # and incorrect information given. Also have a box of letters from PHH with mismatched information, some even dated same date received by mail on a separate date saying two different things/information regarding my account. Was told would need to do loan modification application but a rep submitted wrong application and was denied. Had another rep submit the correct loan modification application and PHH came back and said I have a judgment or lien on house from XXXX  XXXX dated XXXX. I do not have any debt with XXXX XXXX. Verified with XXXX XXXX and by running my credit report. During this I was finally told I could start making my monthly payments by phone for XX/XX/XXXX. Went to make XX/XX/XXXX payment by phone and was only given option to pay total amount owed of XXXX even though I attempted to stop the forbearance back in XX/XX/XXXX. I have emailed PHH requesting a transcript of all phone conversations with the many different reps over the last 6 months. Have another scheduled appointment tonight with Relationship Manager but at this point I'm not even sure this person actually exists. I have hours and hours of time missed from my job because of each conversation with PHH being over an hour long with never getting resolutions.Please help.
Consumer complaint received 2021-12-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

i have contacted the XXXX credit bureaus as well as USAA SVG BK challenging the factual, accurate, and compliant reporting of this account XXXX  times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Consumer complaint received 2021-12-01
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WA)

This account was closed and assigned to collections as per XXXX XXXX contact on XX/XX/XXXX NOT on XX/XX/XXXX of XXXX as I C Systems has reported. This debt was " Re-Aged '' as is an illegal practice and known to be used by collections agencies to try and collect possible old debts debts. 

The information on account number of XXXX and the date of XX/XX/XXXX was provided directly by a customer service representative today XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.