davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud
Consumer complaint received 2022-06-24
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. (IL)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. 

XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX
Consumer complaint received 2020-10-14
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. (OH)

I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with Experian and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.
Consumer complaint received 2023-02-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

In 2020 Wells Fargo during the pandemic Wells Fargo would continuously let my account get overdrawn and then hit me with fees that we so ridiculous. My debit card was always getting compromised. They denied me on any help I asked for. They let XXXX XXXX take money out of my bank account for the services even though it was the government fault for not doing my taxes timely manner. They set you up for failure.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

OCWEN is taking my home away through a foreclosure sale on XX/XX/2019 and there is nothing I can do to stop the sale. They have hindered my ability to obtain mortgage assistance ; having never had my loan completely reviewed for mortgage assistance. I feel that I am defenseless against a giant foreclosure machine and need your help to stop them from wrongfully taking my home away. I see that you fined them XXXX XXXXXXXX for not helping homeowners and they are apparently still doing now what they did before. You also gave them an order to help homeowners, but apparently that has fallen on deaf ears at OCWEN. When I purchased my home, I was conned into taking an interest only loan for five years. This loan product is for investors, but the mortgage broker sold me on the benefits and said I could always refinance my loan. When the economy started to crash and I lost my job, the reality of my situation hit home and I reached out to OCWEN for help. They have never performed a full review of my loan for retention options, even though I have tried to work with them for years. Instead of being fair and negotiating with me to create a modified loan that I could afford, they kept sending me these ridiculous streamline offers that are unaffordable. Further, they are not acting in good faith. When I finally believed that they were going to work with me on my loan, they gave me a date to resubmit for review that had already passed. I have never had a single point of contact and feel they are just snubbing their noses at the consent decree you gave to them years ago. I have a sale on my home scheduled on XX/XX/2019 and will lose my property if OCWEN can not be stopped. It turns out that the real estate company who is selling my home is also owned by the company who owns the loan! I believe this is illegal. OCWEN and the investor have no motivation to work with me because my home has equity and they will make money three different ways on the foreclosure sale. What a scam!
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage is serviced by : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was contacted by a representative in XX/XX/XXXX asking if I wanted to take advantage of the assistance program due to COVID-19. Since I had lost my job I had for 10 years I was most interested in the program. I asked to questions : Will this in anyway cause me to lose my home or put my home in jeopardy in anyway? NO Will this cause my mortgage payment to go up? NO The representative said : You will get a loan modification or the back payments will be put on the backend of the mortgage. I said : Put the missed payments on the backend of the mortgage is fine with me. 
This is all the information that was given to me, the rep. said : would you like for me to fill out the application for you now? I said : Yes. I never signed anything or received any document to sign. Nor was I told that this is called XXXX! I have never heard of forbearance. I had no idea what I was accepting. I spoke with SPS every month, one day a rep told me that I should start making the Escrow payments, so I did for 6 or 7 months. Then a rep told me I should be making payments to the principal rather than the escrow. So I did. I was calling SPS every month making payments over the phone until XX/XX/XXXX. On that day the rep said : we can't accept you payment! Why? Because it has been turned over to an attorney for foreclose! Why? Rep : we don't know, the owner of your mortgage has made that decision. I asked who owned the loan, she said she could not give that information over the phone but would mail a letter. The owner of the loan is : XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the Seasoned Credit Risk Transfer Trust, Series XXXX. 
I called XXXX XXXX XXXX XXXX  XXXX, I was told they would not talk to me that I could only communicate with SPS. 
On XX/XX/XXXX, I spoke with another SPS rep, who told me I could go back into Forbearance, I said : I don't want anymore forbearance, I want to make my payments. She said : If you back into forbearance it will take you out of the foreclosure process and it will give you time to get this situation taken care of. I did that. I am in Forbearance, MAKING my PAYMENTS every month! I have spoken to XXXX attorneys, all have said this is a mess, they have lied to you and most likely you will have to sue. I am XXXX XXXX XXXX, I lost my job I have no way to afford an attorney. I was also told there would be no late charges or fees and no negative credit reporting. They are charging me attorney fees and other charges. I was told by taking the assistance program it would prevent foreclosure, instead it has caused foreclosure. And they have sent balloon payment statements.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

My XXXX account was in the negative after Wells Fargo took money out of my account and did not replace. After several calls with no answers or resolve from Wells Fargo I contacted the XXXX XXXX XXXX. After The XXXX  was contacted Wells Fargo then closed my checking account but XXXX my XXXX account open. They never did return my {$2600.00}, but they did wave the negative debt they accused me of oweing them with no additional explanation. At the time I had purchased a XXXX car and applied with Wells Fargo to have it refinanced. I was approved, and then XXXX days after, they called and said they did not approve me. I applied for a XXXX XXXX XXXX loan all of which were denied. Although I did have a XXXX  account with another bank I did not have a loan with the other bank just an account. Please advise what can be done. It was XXXX that I had my XXXX account. I still currently have a XXXX with the bank. 

Thank you XXXX XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (MD)

IN 2019 I had problems with making payments in that I was making payments but due to a financial change I had to split my payments into 2 payments ( Total mortgage {$2900.00} split to two payments of {$1400.00} ). XXXX would return the payments. They have refused to accept partial payments like a normal mortgage company. This caused payments to be late as I was forced to wait on the returned check. Now mind you I would pay them electronically but the returned funds would be sent by physical check. As you can guess this caused payments to get missed or late when in fact they really were not late but I had to wait for returned funds. When I started noticing the issue I contact them and they told me that they do not accept split payments at ALL. I noted that other mortgage companies do and even provided examples. This went around and around. I then completed the loan modification payment in hopes that they would work with me to resolve the issue. AS of today they have been less then helpful and have now lost 3 months of payments. I have the check information but it they have not be applied to my account nor have they been returned. I get no details on where those payments went or anything.
Consumer complaint received 2023-02-07
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number:XXXX*, XXXX XXXXXXXX Account number:XXXX, XXXX XXXXXXXX XXXX  Account number:XXXX, XXXX Account number:XXXX****XXXX XXXX Account numberXXXX****, XXXX Account number:XXXX has violated my rights including these inquiries : XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-09
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. (FL)

I have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2020-05-09
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: WELLS FARGO & COMPANY (MA)

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
WELLS FARGO DEALER SVC XX/XX/2018
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.
Consumer complaint received 2022-06-24
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. (LA)

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer 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 in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (NC)

On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the 30 days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.
Consumer complaint received 2022-06-24
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. (NV)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account : XXXX has violated my rights ; XXXX XXXX XXXX XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-06-24
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. (WA)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$94.00} ), XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

In XX/XX/XXXX of XX/XX/XXXX i purchased a rainbow vaccum cleaner and was financed through XXXX XXXX. I was approved for a 3 month deferment on payments and signed the contract in my home on XX/XX/XXXX a payment to XXXX credit was withdrawn from my account. When i contacted the company and informed them of this they stated that they had received a verbal authorization for the terms of the contract from my husband approving the first payment. When i requested proof of this phone recording i was denied. I was also denied when i requested a refund of the funds they took from my account. I requested that the vaccum be picked up from my home. If the terms of the contract i agreed to would not be followed i did not wish to keep the item. I was told okay by one of their representatives and the call was ended. A month later i began receiving harassing phone calls from someone identifying themselves only as a representative of the department of collections. Only after repeated pressuring was i able to find out they were calling from castle credit. I was threatened with lawsuits and wage garnishments if i did not pay on the vacuum i informed the representative that i had spoken to someone else previously and requested the vacuum be picked up and returned i was informed that could not be done and i would have to pay or risk legal consequences and a negative mark on my credit report. I offered to return the vacuum at my own cost. I was again denied. I had to pay for a stop payment on my bank account as they told me they would continue to attempt to withdraw payments. I received multiple letters in the mail threatening me with legal action if i failed to pay. I would come home to messages on my answering machine even though i repeatedly requested they not contact me. Today after they have written the debt off on my credit report I received a call from them and they requested i verify my information with the last four of my social and my address i refused to give out this information and terminated the call. A minute later they called back again. Then they contacted my husbands employer and informed his employer they were calling in reference to the debt. I know they are allowed to contact people requesting information to reach us but they are not allowed to tell them its regarding a debt. 
I have had multiple friends inform me they were contacted and had messages left on their phone that castle credit was attempting to reach me regarding a debt.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.