davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: United Revenue Corporation (TX)

On XX/XX/2021, UNITED REVENUE CORP. added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, UNITED REVENUE CORP. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I received a paper in the mail stating about my new account with XXXX XXXX it is a bank XXXX XXXX feature with cash checking checking account that was opened in my name with my credentials but the email address is Someone else 's I never opened this and thand this is the 2nd company that has this information.
Consumer complaint received 2021-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a credit alert indicating a unknown status for XXXX and XXXX on my 2 students loan accounts which hit my credit file with a hard hit and decreased my credit score by 60 points because of incorrect information sent to my credit file.. XXXX sent incorrect information for late unknown payments 1 for {$18.00} and the other for {$22.00} with a balance increased for the month of XXXX when my accounts are in a postponement status and pending with the Borrower 's Defense. I'm confused because the late payments hit my credit file back in XXXX and was a significant hit.. They have now done another hit indicating unknown and Transunion is reporting the incorrect information.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Collection I want to inform you that I have never done any type of business with this company that claims to have any type of debts with them. I do not know and I repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mention the legal status of an alleged debt. 3. Violation 15 USC 1692e A debt collector may not use any false, misleading or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt will cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the consumer 's prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer regarding the collection of any debt... 6. Violation 15 USC 1692d ( 4 ) The announcement of the sale of any debt to coerce the payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer granted directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if permitted by law, the creditor, creditor 's attorney, or debt collector 's attorney.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX  sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.
Consumer complaint received 2021-07-15
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. (NJ)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2021-07-15
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: ENOVA INTERNATIONAL, INC. (UT)

NETCREDIT XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX ( XXXX ) XXXX Ext.XXXX  This company pulled an inquiry on my XXXX report. I did not authorize this to be pulled and when I tried to call the company on XX/XX/2021 it was an automated system, When I got through to someone they hung up on me. I call 3 times before chatting online with XXXX. They told me to file a report and here we are. I want this removed from my credit report.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

I use to work for and rent a mobile home from a man by the name of XXXX XXXX XXXX who owned a company called XXXX XXXX XXXX XXXX XXXX. Our agreement on the property was that I could live in the home and the power being included in the deal as well as lawn care and trash pick up for a set rate of XXXX a week because the place also needed a lot of work as well. XXXX automatically deducted my rent out of my check each week for the rent including power as well but for over a year I was under the impression that he was paying the power until all of a sudden the power was shut off on us one day and I actually had to call XXXX XXXX who then proceeded to inform me that the power had just recently been transferred from a one XXXX XXXX XXXX to me XXXX XXXX in the amount of {$1000.00} and I asked how this was possible they told me that they had spoken to me the prior day and I gave them consent to transfer the bill over and it become my debt at that point so you can imagine I couldn't afford to pay it and no matter how many times I told them that it was not me they spoke to they wasn't caring or never tried to right the wrong. I worked for the guy as a sole proprietor for off and on almost 13 years and knew he was slick about things but never thought he would do something like that to me and worse off how can XXXX XXXX take the word of a person over the phone that they are who they trying to say they are without first verifying the persons identification personally especially in an amount of money from one XXXX account to another person? Please help me right this wrong because this debt has been killing and draining my credit for 6 going on 7 years and its not my debt to pay and being a husband and breadwinner of my home with a wife and XXXX kids I wouldn't even pay that if I could cause its not my debt and anybody who takes the time out to investigate this situation could trace it back and see exactly where that bill originated.
Consumer complaint received 2021-07-15
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (OH)

My PenFed credit card was hacked and fraud took place. I followed all of penfed directions, getting affidavit notarized, etc. After I had submitted the forms I was then called by a pen fed bill collector about the account being in arrears and explained the situation. After the call, PenFed CU took the money out of my savings account and applied it to the credit card and cut me off of my online accounts, I have 2 mortgages with them. I have called customer service several times to get the problem resolved and still no luck. This has almost been a year. XXXX of last year is when the incident occurred. I advised them I was going to contact you, apparently they do not care.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In four days it will be a month since I started a claim with Bank of America, due to PUA, EDD, payments that were granted to myself as a means to provide for my family. Highlighted in yellow on bank statements retrieved from my prepaid, Bank of America, online account site. The ACH transformer for {$1600.00} is one of two claims that I filed on XXXX XXXX. The second claim for {$300.00} was credited to my account on XXXX XXXX. Also highlighted in yellow are new claims totaling to the amount of XXXX that I discovered when uploading documents with this current statement. I am including my phone records showing the multiple calls Ive had/made in order to resolve this matter and proof of Bank of Americas one, minor attempt to only speak with me on the matter which was made after filing first complaint with CFPB. Thank You
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I recently received a loan modification via email on XX/XX/XXXX requiring the signature of myself & co-borrower. The due date of the XXXX payment under this modification is XX/XX/XXXX. I have made several calls & sent multiple emails since XX/XX/XXXX informing Carrington Mortgage that the co-borrower has not resided at the residence since XX/XX/XXXX. 

My initial loan was through XXXX XXXX then abruptly transferred to XXXX XXXX XXXX now Carrington Mortgage as of XX/XX/XXXX. I have been on a XXXX XXXX with Carrington since XX/XX/XXXX. 

Now that the forebearance has ended, Carrington is doing as they please to make me default in my payments again that will subsequently result in the loss of my residence which I can not sign the loan modification on my own. The co-borrower will not sign due to not occupying the residence. 

I feel that Carrington is taking advantage of my XXXX XXXX & low credit score. Carrington has never offered a refinance to remove the co-borrower. Without the co-borrower 's signature, I am unable to move forward with the terms offered in the loan modification. Furthermore, Carrington 's website falsely advertises offering refinancing for new/existing customers for poor XXXX range credit scores. 

I'm in a life altering situation where I can not easily obtain a refinance offer from a different lender. The lender had also refused to voluntarily remove the co-borrower on their end. The only option that I was given to " make financial decisions '' without the co-borrower requires a quitclaim deed that I can not afford. It was explained to me that the quitclaim would serve as proof that the co-borrower has no interest in the property but would still not remove them from the loan. 

I have equity in my home so this seems to be a ploy to force me into foreclosure, short sale and/or for Carrington to ultimately benefit & collect the equity currently on the property.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I made a payment of {$100.00} from my XXXX  XXXX XXXX Bank account to my Capital One ( Venture One ) Credit card ending in XXXX. I decided to cancel that payment due to low funds and instead paid {$150.00} from my XXXX XXXX XXXX XXXX bank account. The payment was accepted, but on XX/XX/XXXX the payment was returned and on XX/XX/XXXX my autopayment of {$50.00} was declined without my knowledge or consent, and that same day they charged me {$38.00} late fee. In XX/XX/XXXX the {$50.00} autopayment was made and I paid an extra {$270.00} on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the {$50.00} autopayments were made but {$40.00} past due fees were charged to my account. On XX/XX/XXXX I reviewed my account and saw the extra charges and that the payments were returned in XXXX. I called Capital One customer service and they said that the payment from XXXX XXXX was returned because I had never paid with that account. They had no reason why the autopayment was declined but the Representative said she could not help me. This was all reported to the credit bureau. I immediately began paying the account off and I sent Capital One a letter requesting that they correct their reports to the credit bureau. After a month and a half, they sent a letter declining my requests. I believe Capital One is engaging in unfair and deceptive practices in order to receive late fees, and to cause consumers ' credit scores to go down so that they can increase their percentage rate. This is exactly what they did to me.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (TX)

XX/XX/XXXX we closed on your new home. The initial loan amount with SecurityNational Mortgage Company was {>= $1,000,000}. On XX/XX/XXXX I made a {$1000.00} principal payment. SNMC sent me a monthly statement that shows this payment. In XXXX my loan was transferred to a new servicer for {>= $1,000,000}. The new servicer ( XXXX XXXX XXXX ) claims they can not post new payments on the account because SNMC has not forwarded them the previous payment. SNMC is therefore preventing me to pay off my loan early.

I reached out to SNMC multiple times. They first told me all the payments were forwarded. I called again today XX/XX/XXXX and they mentioned a request started XX/XX/XXXX to their accounting department and advised me it takes accounting 3 weeks for those payments to be transferred.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (ID)

XX/XX/2021 my wife and I needed a new furnace ir heat system according to XXXX XXXX. We applied to get the funding needed for the new system. We were turned down because of a low credit score. My wife talked to her parents to see if the could " cosign, '' for the loan. Information was given to XXXX XXXX representative and my father-in-law 's information was submitted to Wells Fargo under the pretense that my father-in-law was going to be the cosigner. The amount of the money needed to do the job was quoted at {$12000.00}. Both of us were notified that the loan was approved. We later found out that Wells Fargo was not provided with any of my information as the primary also my father-in-law 's Wells Fargo account was attached to the loan to which none of that information was given as I was there when the information was given to XXXX XXXX. 
I have been making the set up payments on the account but not getting credit for the payments on my credit report which is what has my in-laws bothered about. I have been told in order to fix this issue the account has to be closed and new application resubmitted. 
I feel that this was not handled in the manner that was specifically talked about prior to the application being submitted and further shoild have never had my father-in-law 's account attached to this. XXXX XXXX had my XXXX XXXX XXXX information not the Wells Fargo information. 
I do hope to get this all corrected as soon as possible.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WV)

I contacted Clarity Services yesterday by phone and instructed them to add a 7 year extended fraud alert to my credit report with them. They wanted to harass me wanting me to send in paperwork which I am NOT required to do. I have extended fraud alerts on all my credit reports including Experian which Clarity Services is a division of Experian so they are OBLIGATED AND REQUIRED by FEDERAL LAW to IMMEDIATELY PUT AN 7 YEARS EXTENDED FRAUD ALERT ON MY CLARITY CREDIT REPORT. I WILL BE UTILIZING MY LEGAL RIGHTS AGAINST CLAIRITY IF THIS EXTENDED FRAUD ALERT WITH MY CONTACT NUMBERS XXXX AND XXXX IS NOT IMMEDIATELY PUT ON MY CLARITY REPORT.