davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MN)

XXXX XXXX  XXXX did you have relation with this company on XX/XX/2020? Yes or  no? 
XXXX words or Less why didnt you follow the law and report this account the right away and legal way? This is unacceptable and I demand you to remove XXXX right now.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This is a follow-on to an inadequately addressed prior complaint. 

My complaint stated that Mr. Cooper failed to credit my mortgage loan account for THREE ( 3 ) payments that I made to XXXX, the prior servicer. Those payments were : 1. {$5000.00} on XXXX XXXX. {$2100.00} on XXXX 3. {$2100.00} on XXXX Mr. Cooper 's response only addresses TWO ( 2 ) of those payments. They DID NOT address their failure to credit my account for the XXXX payment of {$2100.00} that I made to XXXX and that XXXX transferred to Mr. Cooper. 

As a result, my Mr. Cooper account is INACCURATE and fails to include all of the payments that I made to the prior servicer ( i.e., XXXX XXXX. Specifically, my account DOES NOT reflect my payment of {$2100.00} on XXXX. 

Please credit my account to reflect ALL of the payments that I made to the prior servicer. 

LOAN NUMBER : # # # # # XXXX
Consumer complaint received 2020-07-20
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. (NY)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX  XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2020-07-20
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: 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 {$0.00}, {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During A Check of My XXXX  Credit Report On XX/XX/2020 I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And Transunion Credit Reports Dated XX/XX/2020 Show That I have A Debt with XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Complaint vs. Caliber Home Loans , Inc .

I am filing a complaint against this mortgage company for the following reasons : 1. During the payoff process of a mortgage loan I had with this company, there were multiple unauthorized and/or undisclosed fees that the charged me during my loan closing.

2. Escrow balance due to borrower in excess of {$3700.00}. This company did not disclose the amount of time they would be hanging on to my money. Now after the loan has been paid off and they have in excess of {$3700.00} in excess of what they were owed for the loan payoff, they do not wish to release the escrow balance owned to me until 21- days from the loan payoff funding date. They then say that they will allow themselves an additional 10-days if the check is not process in the first 21-days.

Caliber Home Loans has no problem calling and or threatening their clients if they do not make their mortgage payments on time. However, when they owe their clients escrow money, they take their sweet time in returning the over-payments and do not fully disclose when they are paid out. Seems like this company should play by their own rules and treat their clients fairly. 

XXXX XXXX XXXX, Texas
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reportsXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CT)

I called Suntrust to adjust my auto payment because my payment had decreased due to an insurance change. Instead of the change being made, a one-time payment was processed which means instead of paying XXXX this month for mortgage, I will pay XXXX. Suntrust would not help me fix this at all despite the fact that I called before the payment was released from my bank. In fact, they wouldn't let me speak to a manager, yelled at me, and told me to call my bank to deal with it.
Consumer complaint received 2020-07-20
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. (GA)

My name is XXXX XXXX XXXX and I have been a victim of identity theft since XXXX. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then XXXX  has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week XXXX  would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been homeless due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. Experian and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have paid off XXXX XXXX XXXX  and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Im a victim of fraud. Someone called saying they were Wells Fargo fraud department and someone was trying to use my checking account through XXXX XXXX on their phone in XXXX. They had me move my money to XXXX XXXX and my money was gone. Wells Fargo claims is giving me the run around and taking forever to help me out. I still havent gotten my money back. This happened on XX/XX/year>.
Consumer complaint received 2020-07-20
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)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX  gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TX)

My debit card wasnt working so I called my bank they informed me the my account was being closed. I said for what they wouldnt tell me and I said what about my momey thats in my account they didnt answer the question. But I was still getting text from the bank about my balance. So I have not been able to get any of my money thats in my account XXXX cant put gas in my truck get food nothing. They said I would receive a letter in the mail. But would not answer me about my money. And apparently I received a deposit because my balance went up. So if my name account is closed why are they excepting deposits
Consumer complaint received 2020-07-20
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. (GA)

I have paid off XXXX XXXX XXXX  and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.
Consumer complaint received 2022-02-02
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. (NJ)

On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.
Consumer complaint received 2020-07-20
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)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-07-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (AL)

I've never been told clear make or not make a payment coming off covid19 assistance. I was told I'd have to submit for loan modification for my XXXX loan. I have dates who I spoke with. Not once have I been told what I need to do. Now I'm being told to go past due just to get a loan modification which takes 30 days to review causing further passed due account and late charges and credit hits. If I shouldn't have made a payment after being one month behind then someone should've clarified that with me instead they said I needed to. Now I'm a month behind unable to catch up and it's been two months with no correct answer. I can make regular payments but can not make up the month I'm behind example I owe XXXX still but can't make until XX/XX/XXXX keeping me behind.
Consumer complaint received 2020-07-20
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MECHANICS BANK (CA)

Mechanics Bank is where the VA has placed disibility compensation due to congress granting VA the authority to appoint a fiduciary for a VA beneficiary who is rated unable to control or manage his or own affairs or under a legal XXXX and incapable of managing VA benefits in an appropriate manner. In some instances, the appointment of a fiduciary may necessitate the allowance of a fee from the benefits payable to me as payment for the fiduciary services provided. 

The XXXX has been requested to be removed due to incompetence of managing comepensation through the VA to contest their orginal decision, which by the way was denied according to the decision letter that was mailed to my residence. Also the VA failed to acknowledge the medical providers note to remove the fiduciary and overwhelming evidence displaying incompetence by the assigned fiduciary. Recent events really conveyed a clear message to dismantle credit and other finances. This is now viewed as a serious XXXX attack by both XXXX XXXX XXXX and Mechanics Bank. 

Mechanics Bank was alos provided an in depth report regarding credit card payments that were reversed due to false reporting by XXXX XXXX XXXX Payments are typically mailed to the credit card companies, I elected to have the payments processesd electronically due to the fact that mailing was causing delays in payments. Using the routing and account number. Fraud was mis-used by XXXX XXXX XXXX, in which the bank was also warned a head of time to prevent XXXX XXXX XXXX XXXX XXXX XXXX from reporting electronic transactions by me as if they were fraudulent. The bank ignored the warning which was made by telephone. 

I provided the report in the branch managers hands, she handed it back to me and stated that I made deposits into interest savings account. She named them as well. Why this was more important to her than the reversed credit card payments is most likely another example of mis-use of authority and plotting or conspiring with indivduals with mutual interests. This is a an act of terror. The manager and staff as well XXXX XXXX XXXX, is mentally incompetent to be employed in the industry of finance.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC (IN)

I had a mortgage with Ditech for many years. The loan was paid in full every month but the company refuses to report this to the credit agencies ( 3 ). When I made a formal report with the credit agencies as the information being inaccurate Ditech removed themselves from my profile completely. This affected my credit score. 
Ditech sold my loan in 2019 and did not fix this problem
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (CA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

On the night of XX/XX/2021, I logged into my Moneylion bank account to find that my balance was at {$0.00}. Around {$9000.00} was missing from my acct. I immediately called customer service and the representative went over numerous multiple back to back charges at gas station/convenience stores located in or around XXXX, Ca. I have never been to that area of California and over the past XXXX I havent gone further than XXXX away from my home in XXXX XXXX XXXX Ca XXXX My debit card has also never left my possession nor does anyone have access to it. Due to Covid the number of people I see on a daily basis is extremely limited and my debit card has never left my possession. I still have my debit card that has since been deactivated. I asked the representative for detailed statements detailing all the unauthorized charges because I was only able to view very limited details through the app and only about the past 20 or so transactions. She stated I could get detailed statements through the fraud dept and she emailed me fraudulent charges paperwork to be filled out and returned, which I returned immediately. On XXXX XXXX 2021 I received an email stating that the paperwork I filled out and sent as an attachment in an email, could not be opened and that I needed to resubmit paperwork as a PDF file. On XXXX 2021 I resubmitted the paperwork as a PDF. I resubmitted paperwork on XXXX XXXX and I sent a separate email to the fraud dept. explaining that I had resubmitted the paperwork and I would like confirmation and that I would also need to see my detailed statements. On XXXX XXXX I received confirmation that my paperwork was received. At the time I filed police reports with the XXXX XXXX PD and also with Police dept in XXXX, Ca using the details I could remember from the initial phone call to report the unauthorized charges. I was told on the intial phone call that I would receive provisional funds within 10 business days. After 10 business days I began calling because I had not received my funds back into my account. Numerous days I sat on hold for over an hour and when it reached XXXX my time, I would be hung up on or transferred to general customer service because the fraud dept was now closed. I work XXXX and was having to miss work to make these phone calls. On XXXX XXXX at approx XXXX I got through to someone in the fraud dept. who verified my paperwork had been received but due to it being the end of the day he would have to return a call to me in the morning. I never received a call, at this point Im at a loss. XXXX was ruined as I had no money, that money was every dime I had been saving up and its gone and I have zero faith in getting it back at this point. A coworker suggested I try to get help through CFPB.