davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX DEALER S on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX, I on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (CA)

The account opened here was opened fraudulently and I was a victim of identity theft leading up to this. The amount of {$3000.00} is not mine to pay off because someone else who abused my trust put in some fake checks that he created, I don't know how, and demanded I put it in my account. The info that is shown on Early Warning database is inaccurate and needs to be removed as I'm not responsible for it as the person who did this is already in prison facing fraud charges. Account number XXXX and XXXX are not mine because I was forced to open them. 
I ask that the XXXX XXXX forgive this and remove this off my report as it wasn't my fault and I was a victim of manipulation and I was barely XXXX and my mind wasn't fully mature yet so I didn't understand what was going on. 
I also ask that the checking account fraud report be removed too as I did not do it but was rather a friend who abused my trust who committed that crime.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

Convergent outsourcing is trying to benefit from my identity without my consent an I do not know them and have never done business with them. I ordered my free credit reports an seen that they are alleging that I owe them XXXX dollars. I do not owe Convergent Outsourcing XXXX anything and this is a written refusal to pay. I have never gave them hand written consent to furnish anything on my consumer report. Also during the initial communication they never gave me the 5 thing I need pursuant to 15 usc 1692g validaon of debts law.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CA)

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from Volkswagen XXXX for an Audi XXXX XXXX. The outstanding balance was XXXX which VW told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, VW reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX XXXX XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by VW for the Account # XXXX. I reached out to both XXXX and VW, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Consumer complaint received 2021-04-06
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: Onity Group Inc. (MA)

Ocwen Loan Servicing LLC is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. Ocwen has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called Ocwen and they are telling me they have zero information on my account. I called XXXX  and the other two credit bureaus and they both are laying the blame on Ocwen. I filed a complaint with XXXX in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what Ocwen has been doing as they have my full late payments listed as far back as XX/XX/XXXX.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

Report Number : XXXX Date Generated : XX/XX/XXXX ELAN FINANCIAL SERVICE Account XXXX Information on this item has been updated. Please review your report for the details. 

Show Details | View your Report | View your credit score ELAN FINANCIAL SERVICE {$1900.00} Closed 13 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1900.00} {$1500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1900.00} Highest balance - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 
Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 


OK I paid this off, all XXXX on XXXX all of it witch i think is way to much and I want it off my report NOW, I'm trying to get a loan for my business and there really messing up the opportunity
Consumer complaint received 2021-04-06
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)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc. (SC)

XXXX XXXX sold the debt of {$1500.00}. that is a violation of the Fair Debt Collections Practices Act. I have no contract with Rozlin Financial Group who bought the debt from XXXX XXXX and have a balance of {$2700.00} showing on my consumer report
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

I had a debt with XXXX XXXX XXXX  for two charged off credit card accounts. I settled directly with XXXX XXXX and paid them directly. On XX/XX/XXXX I entered into a payment arrangement and settlement agreement with XXXX XXXX directly to pay the amount over 3 payments. I initiated the first payment on the same day. XXXX XXXX submitted my file to LVNV Funding a collection agency, on XX/XX/XXXX according to my XXXX XXXX credit report. The debt was paid in full on XX/XX/XXXX and yet the initial {$930.00} balance is showing as still outstanding on all three credit reporting agencies. I've disputed the collection with all three bureaus and with the company itself on XX/XX/XXXX and again today. I was told that the previous disputes were input incorrectly and they'd look into it. They asked me to call back within a few days and they'd hopefully have it corrected. 

This incorrect reporting has damaged my credit for over a year and it seems willful from LVNV that they knew the debt was paid, and were still trying to collect on an already paid debt while using the pressure leverage of reporting false data to  XXXX, XXXX and XXXX.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Hello. This added information might be helpful to the original complaint I made on the telephone this morning. About XXXX months ago I applied for a construction bank loan ; I was told that I needed to submit them my last year 's tax information to be granted the loan. For that reason after searching the internet for a qualified source I found a company with someone who called himself XXXX said he would prepare me the required tax documents if I could email him my bank statements for the last last XXXX  months .That is exactly what I did. He said since he had a real estate background he would know exactly what I would need. Since I did not hear from him for over a month, I called his number at : XXXX and was told that he had taken my files home and he would be preparing it on his own, and he would let me know when to pick it up. He never called me back until about 2 weeks ago I had a telephone call from someone who introduced himself as a wells Fargo fraud Dept. agent and said a suspicious activity is taking place in my bank account and the sum of {$4500.00} from my account has been withdrawn from that account. While I was totally shocked, I answered I never authorized any person to withdraw money from my account. Then I was told that in order to reverse that transaction Wells Fargo bank would need my authorization first. He further said that he would send me a text and upon my confirmation of that text the fraudulent transaction would be reversed by the bank, and I shouldn't worry about it any more. Being in a state of shock in order, to obtain more information about this suspicious activity I called Wells Fargo bank found out that the telephone call never came from the bank and {$5500.00} was stolen from the account, bringing my balance to {$0.00}. The bank managed to reverse {$1000.00} of which but they were unable to reverse the rest of the stolen transaction due to the fact that there was no funds available in that account. I feel so helpless and since I am a XXXX person and live on my social security income I would be very much obliged if you were kind enough to investigate this blatant broad daylight rubbery. Here is information from the case numbers printed on the letters I have received from the bank : XXXX # XXXX and claim # XXXX
Consumer complaint received 2021-10-06
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. (NC)

I'm submitting a complaint regarding unknown things that I have on my credit report. I already sent credit bureaus my letters on XX/XX/2021 and It has been over 60 days and I still see those inaccurate data in my credit report when they should have already been deleted by now. I humbly ask you to help me resolve this once and for all.
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

Began refinancing process with InterContinental Capital Group XX/XX/XXXX. This refinancing is for my house as well as a duplex I own. I have worked with ; XXXX XXXX ( Senior Loan Officer ) XXXX XXXX XXXX ( Closing Processor ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processor ) XXXX XXXX It is now XX/XX/XXXX and they have still not been able to provide updates on my loans! I cant reach anyone by phone and repeated request via email for updates get no responses. When they do respond, it is asking for more info ( today the asked for Social Security deposit statement for bank - which they ask for every single month ). Can someone help me?
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I opened up a membership with Costco. During the process, the staff member asked if I would like to apply for a Costco credit card. I know my score is at least XXXX so I figured I would get approved. I submitted it and it came back that they needed to verify information and to call a specific phone number. I called the number and they wanted me to verify my telephone number. I did and it denied me based on my phone number I guess. She said I would receive a letter explaining why it denied me. I get this generic letter with zero information on it except that they were unable to verify information. It doesn't give me the option to provide them with any additional information and it doesn't give me any specific information on the denial but it put a hard inquiry on my credit report. I should have been afforded the opportunity to provide documentation and they should re-review my application instead of casually denying my request with zero explanation and zero opportunity to submit the required documents.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file. 

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

I was sent this email from who I thought was my title person but was from a masked email. I have reported it to the bank the next business day and was told that my recall was denied. The gmail was masked with my title persons name. 

from : XXXX XXXX to : XXXX date : XX/XX/2021, XXXX XXXX  subject : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more Good Morning, Due to the Covid-19 Pandemic, All closing funds should be wired to our trust account today to avoid delay at closing. so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledged the receipt of this email, I will be busy with limited access to my phone. You can send an email if you need anything else. 

Thank you, XXXX XXXX, Title Operations Manager XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( For mailings, use : XXXX XXXX ) XXXX, FL. XXXX XXXX ( Main ) : XXXX Tele : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I have a conventional loan previously modified by HAMP and XXXX XXXX, recently I realized that my investor XXXX XXXX sold my mortgage to a Private Investor : Legacy Mortgage Asset Trust 2019-GS6. I received a forbearance approval immediately after the COVID-19 pandemic began, later I received extensions after three, six, and nine months. 
On XX/XX/XXXX, I submitted a complete request for a loan modification with my current servicer Shellpoint Mortgage, this request included all my financial statements and evidence of my hardship and income reduction. On XX/XX/XXXX, Shellpoint sent a letter denying my request and instead of approval offer me to short sale my property or Deed in Lieu the same. 
I understand thatXX/XX/XXXXis free to sell their investments, but what is the reason that that transaction didn't involve the same layer of protection and benefits that my former investor offered to me??? 
Why Sheelpoint requested to prove my income and ability to begin my mortgage payments if they didn't plan to help me???? After my income reduction, I am able to resume my regular mortgage payments however, I can not bring my mortgage current due to the previous pandemic and their financial effects on my home finances. 
I need to keep my home!!!!!! I am able to resume my mortgage payments, BUT, I CAN NOT BRING MY DEFAULT BALANCE CURRENT. Please do not offer me as your only solution to sell my home. 
Sincerely XXXX XXXX
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (WA)

On XX/XX/2021 I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 70 days. Im very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 70 days and I havent received a response I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. Im very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: LAND HOME FINANCIAL SERVICES (IL)

I refinanced my home in XX/XX/2020. Prior to refinancing, I was set up in auto pay so my mortgage plus additional principle was automatically deducted at the beginning of every month. I cancelled this at the end of XXXX ... Unfortunately, I was too late and my XXXX payment was deducted ( ~ {$1600.00} ) ... Land Home Financial Services provided the loan and was supposed to pay me back within 30 days by check ... I never ( and still haven't ) received it ... Since then, I've called/talked to them several time where they've stated a check is in the mail and it can take time to arrive ... When the checks don't arrive, they've ( supposedly ) cancelled them and issued new ones ... This has happened 3 times since we initially spoke, I believe the dates were : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. When I spoke to them last, I offered to drive to their office in the XXXX area to pick up the check or asked if they can send it via a carrier for sign off ... They said this is not an option and they can only send through standard mail. With all this going on, I'm receiving all my other mail with no issues ... This includes utility and credit card billing statements, personal mail, magazine subscriptions, and everything else ... This has been going on for +4 months. I'm extremely disappointed in Land Home Financial Services. Please help.