davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IL)

In late XXXX, XXXX, I refinanced my mortgage. The original mortgage holder, PHH Mortgage Services in XXXX. XXXX, NJ was holding {$2900.00} in escrow money that was due to be returned to me. 

I was in Florida from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The post office was holding my mail during that period. When I returned I picked up all the held mail on XXXX XXXX, XXXX and looked for the check from PHH which wasn't in my held mail. 

On XXXX XXXX I calledl PHH to say I didn't receive the check. I spoke to " XXXX '' who told me the check was mailed on XXXX XXXX, XXXX. Since I didn't receive it she told me she'd put a stop on it and mail a new check which should arrive in 7-10 days. 

A new check didn't arrive. I called PHH again on XXXX XXXX, XXXX. This time I spoke to Escalation Relationship Manager in the PHH ERM dept., XXXX, who informed me that the check had been cashed on XXXX XXXX, XXXX. 

Since I was in Florida between XXXX XXXX and XXXX XXXX and the post office was holding my mail there was no way I could have received or cashed the check. I asked for a copy of the front and back of the endorsed check which she sent me and is attached. 

It is endorsed with a stranger 's name and my husband and my names. This is not my signature and my husband is a resident of a memory care facility in Florida certainly did not sign this check either. Clearly the signatures are fraudulent. 

I did not cash this check. This check was stolen and fraudulently endorsed. 

XXXX at PHH asked me to make a police report which I did and is attached. She told me once she received the police report PHH would reissue a new check in the amount of {$2900.00}. 

On XX/XX/XXXX I emailed a copy of the police report to XXXX in the ERM dept. at PHH with a copy of the police report attached. On XX/XX/XXXX, I emailed PHH with a copy of the police report again. On XX/XX/XXXX, I faxed a copy of the police report to XXXX at XXXX. 

Although I received a brief email from PHH on XX/XX/XXXX saying that the Fraud dept. was looking into this, I still have not received the money owed me by PHH. 

I've called XXXX at PHH numerous times at XXXX, ext. XXXX. She doesn't answer the phone so I have left numerous messages with no return calls. I have also spoken numerous times to various other agents who have told me they left messages for her and her supervisor to call me but still no response. 

I don't know what else to do. PHH still owes me {$2900.00}. I feel it is their responsibility to figure out what happened and who stole and cashed this check.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-02-22
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 30-60 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 2022-05-26
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. (CA)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have recently noticed that there are code blocks associated with my account, and I believe that these may be impacting my credit report inaccurately. I kindly request that Equifax investigate this matter and remove any code blocks that are not valid. 

I understand the importance of accurate credit reporting and I would like to ensure that my credit report is reflective of my true financial history. I would appreciate it if you could resolve this issue promptly and notify me of any updates regarding the removal of the code blocks from my account.
Consumer complaint received 2022-06-30
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  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Account System is trying to collect the service fee for XXXX and XXXX of XXXX  while the account had already been closed in XXXX, XXXX. I sent email and support documents and proofs on XX/XX/year> but Eastern Account System did not response and report the invalid debt to the 3 credit bureaus. 
The account was cancelled on Thursday, XX/XX/year>. 
The balance at the time of cancellation was {$.00} XXXX XXXX equipment was returned on XX/XX/year>. 
Please see the attached proofs.
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 — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called Capital One and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said Capital One requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (MS)

Copay was paid to the hospital. In the amount of {$90.00}. Paragon Revenue Services called repeatedly wanting money. I finally paid the {$90.00} again, to Paragon Revenue Services. To stop the harassing calls. I then contacted XXXX XXXX and they told me I had a XXXX balance. And they have no record of sending anything on me to a collection agency. PRS said they were sending paper bills to an address I had not lived at in two and a half years. My information is correct with XXXX. Please make these people stop stealing money from patients. And reporting them to credit bureaus when nothing was owed to begin with.
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (KS)

In early XXXX of XXXX, I canceled my cell service with XXXX after having several problems with their service agents incorrectly charging my account. After several calls, they shut off my service, but failed to close my account, opting to keep my account open, until the first day of the next billing cycle, and then charged me for the entire next billing cycle. 

ATT had my phone number and email address, but failed to update their records about a change of address in XXXX after several contacts made to update their information. They opened a collection account in XXXX of XXXX, after zero attempts to contact about the alleged debt. 

The collection agency, Credence Resource Management, also made zero attempts to contact me. After seeing the account on a credit monitoring website in early XXXX, I contacted them and asked them about the account, and to send a verification letter regarding the debt. I then sent a follow up email requesting information about the debt, specifically asking about rights and procedures to challenge the debt, the address of the original creditor, and any and all available statements. I was not provided with any information for several months, and then only partial information was provided, but including my right to dispute. After several attempts to collect this information and an eventual threat to report this information to the proper authorities, Credence contacted me informing me that they would cease all communications with me.
Consumer complaint received 2024-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

I need a payment history or timeline of how the funds were applied to the mortgage account when they received the funds from the XXXX XXXX XXXXXXXX or the XXXX XXXX in XXXX, XXXX, and XXXX for the mortgage balance. 

Also, need to remove the following address from the mortgage account : " XXXX XXXX XXXX XXXX XXXX, CA XXXX. '' There is no affiliation with this address for this mortgage account.
Consumer complaint received 2020-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2019-10-27
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: Experian Information Solutions Inc. (AZ)

Attached is a letter from XXXX XXXX  XXXX XXXX and my credit report from XXXX XXXX for proof that the XXXX XXXX XXXX XXXX account # : XXXX listed on my Experian credit report is a fraudulent account and it is not my credit card account.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX  I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX  I made an on-time payment of {$350.00}, and in the month of XXXX XXXX, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like these items to be corrected/and removed to report correctly.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Experian has been billing me $ XXXXmonth since XX/XX/2018 when they say that I signed up for a FREE TRIAL report that automatically resulted in a monthly charge thereafter. 
I am not aware of ever having signed up for anything with EXPERIAN. I called them and asked for proof that I signed up for anything. A supervisor named XXXX told me they had this proof. I asked to see it and they said they have no obligation to provide it to me according to their terms and conditions. I told them that I did not ever sign up so I am not bound by their terms and conditions. SHE REFUSED TO PROVIDE ME WITH PROOF to justify their monthly billing. How can this be tolerated that a consumer is not provided proof of a contract EXPERIAN says I was bound to? I told her to check my activity since 2018 and see that I HAVE NEVER EVER used their service. She said that it was irrelevant if I used their service or not. This company is obviously one XXXX  company. Not surprised. If the only way I can get proof that I signed up for the service is by initiating a Small Claims Court case, I will.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX
Consumer complaint received 2020-07-13
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (DE)

THIS IS NOT A DUPLICATE. I HAVE FRAUDULENT CREDIT INQURIES ON MY EXPERIAN REPORT. 

I HAVE TRIED TO GET RID OF THEM AND THEY REPLIED that i am not the one requesting this removal, make no sense. 

these inquries on my are fraudulent and i did not authorizes them, please remove them, i tried call you and no one picks up the phone XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

I paid off my Macey 's credit card in full ( XX/XX/2020 ) before the next statement date in XX/XX/2020. Macey 's is trying to make me pay for instrest that is false after my balance was paid off the month before. 
I want Macey 's to remove the {$2.00} interest fee, as I am refusing to pay the interest on a XXXX  balance.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX