davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I bought my house in XX/XX/XXXX. I started some major renovations when I had a XXXX  XXXX in XX/XX/XXXX. I stayed home for a while and suddenly covid-19 appeared in XXXX. 
I requested a mortgage forbearance which I had for 6 months. Federal law requires that the mortgage servicer should contact the barrower 30 days before the forbearance expires. They did not. Instead they sent me a package asking for missing documents when I have never submitted a package. Only thing I asked them is a forbearance extension which they refused without any explanation. They gave me 20 days to submit additional documents while my wife and myself are XXXX XXXX for XXXX and we are quarantined right now. 
Mortgage servicers are PHH Mortgage services and XXXX XXXX XXXX. 
They refused and I'm getting harassment calls.
Consumer complaint received 2022-06-11
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. (OH)

on XX/XX/22, I sent a dispute letter to Transunion, XXXX and XXXX asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

On XXXX my wife filed alone for bankruptcy. We had a joint line of credit with Wells Fargo. When she filed the joint line of credit was part of the bankruptcy. Due to it being part of the bankruptcy filing the account was removed from our online account. After a few months I noticed a drop of my credit score of over XXXX points. Once I saw the drop I looked up and found 2 late payments on the line of credit. XX/XX/2020 XXXX 30 days XXXX XX/XX/2020 XXXX 60 days XXXX. When I found out this information I immediately contacted Wells Fargo and paid the balance late due of {$630.00} on XX/XX/XXXX. 

Talking with Wells Fargo once an account is closed thru bankruptcy they no longer send any statement 's out. Therefore I was not informed on the balance due or how much I owed. I was informed when I called in XXXX that I will have to send a written notice to get a statement sent to me. 

I wrote Wells Fargo on XX/XX/XXXX requesting them to fix my late payments on my credit report and they sent reply back on XX/XX/XXXX. Deny I am not disputing the payments owed but it was impossible to know if they don't inform you about any payment due.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

All 3 credit bureaus are reporting and have reported XXXX say late payment on one of our XXXX account. 

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards XXXX XXXX XXXX, and XXXX XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. XXXX of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX co. 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (IN)

In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XXXX of 2020, I submitted a complaint with Transunion due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by Transunion as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
Consumer complaint received 2020-09-19
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. (MI)

XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX XXXX {$230.00} XX/XX/2018 I have never done business with this company.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

Hello, on XX/XX/2020 my account with Robinhood its investment company was compromised. The only way to get in touch with the company is through email. I had four stocks that were traded without my permission. I have done everything that the company has requested me to do and have not received any response. I would like to know, if you could please help me. The company email is Robinhood.com
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TN)

I continue to receive letters from " Discover '' noting that I have attempted to open a credit card but due to lack of information the application could not be processed. I have called the number on letter with no avail. With this being said, I did not request a credit card. 

Date ( s ) letter : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX
Consumer complaint received 2020-10-08
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. (FL)

I am an identity theft victim. I am writing today to dispute the following errors on my current credit report. Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TN)

I have received well over 200 phone calls from Radius Global Solutions asking for a different person. I have told them about 20-25 times that I dont know that person and to remove me from the list. They have told me every single time that my name and number are being removed, but I continue to receive 1-2 calls everyday.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (TX)

This complaint is to inform the CFPB that Equifax and XXXX XXXX, XXXX have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my Equifax and XXXX credit files. 
Partial account number XXXX. 
XXXX XXXX XXXX thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausExperian, XXXX, and TransUnion. Specifically, the inaccuracies include : 1. Inaccurate account opening dates 2. Inaccurate reporting dates 3. Inaccurate balances 4. Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Im seeking your help with a misreported account on my credit report. This issue has negatively affected my reputation, and I need your immediate assistance. Your inaccurate reporting has caused significant harm, and its important that you correct this so I can have peace of mind with my family.
Consumer complaint received 2021-12-30
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (OH)

On XX/XX/2020, I noticed Amsher on my XXXX XXXX app. There was minimal information listed. I looked up Amshers number and contacted them. I spoke with a female representative who told me that collection was for a debt from XXXX XXXX in the amount of {$780.00}. I have never heard of this company and told the representative that I have not had an account with them. I asked for additional information such as a service address or date of the debt but no additional was given to me. The representative said I could call back to dispute the account. 

Amsher did NOT contact me prior to placing the debt on my credit. I have received no written notice and have no knowledge of this account. By law, I am the right to receive a notification of collection as well as a right to dispute. I am suppose to be given 30 days to contact Amsher, which I was not given. 

Due to the violation of my rights and questionable business practices by Amsher, the account is being disputed, however, I am request that this account be removed from my credit reports IMMEDIATELY.
Consumer complaint received 2020-10-15
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. (TN)

I HAVE PROVIDED PROOF AND DOCUMENTATION THAT THIS ACCOUNT DOES NOT BELONG TO ME YET EXPERIAN HAS NOT FORCE XXXX XXXX  TO PROVIDE ANY CONTRACT WITH MY SIGNATURE THIS HAS HURT MY BUSINESS AND WAY OF LIFE
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

XXXX XXXX  trying to sell and item and buyer demanded using Zelle. Zelle fraud emails and texts sent saying I must lay money to receive money as my account was being made into a business account. Buyer threatened police were called and Zelle emails stated I would be investigated by the FBI. I called and complained to XXXX  XXXX XXXX that charge is fraud and they said they couldnt help, transferred me to Zelle. Filed report with Zelle, scammed for {$400.00}
Consumer complaint received 2022-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

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 an account without my written instructions.

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 furnishes an account without my written instructions.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (PA)

I got money request to my paypal account that someone named " XXXX XXXX '' is requesting XXXX XXXX and within the note of the email by the requester there was a phone no. XXXX that if you don't recognize this call us back. When I called them a lady with XXXX accent told me I am being hacked and I need to go to " XXXX  '' website and made me download a software and then wanted me to open up my checking account ; only on the computer and not the app. When I opened it computer screen turned to " window updating '' which spooked me and I started confronting her if you are really from Paypal to which she started to get angry and cutt the line off. I have reported this to both my XXXX XXXX XXXX  and paypal as well. Fortunately no money was taken out of my account as I got spooked right on time.
Consumer complaint received 2022-08-15
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. (TX)

There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX Bank card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( Experian, XXXX, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XXXX
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy. 

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