davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX of XXXX, my 20 year Wells Fargo ( WF ) Heloc reached maturity. I owed a balloon payment of $ XXXX at the maturity date. I realized in XX/XX/XXXX that I would have a problem paying the entire amount that I owed. So instead of modifying my loan or refinancing the $ XXXX, I asked for and was granted forbearance. I understood the rules of the forbearance ; I would be still be responsible to pay the total debt including any suspended payments. I also understood as stated on page 2 of the forbearance letter I received from WF every quarter of the 12-month suspension If you can make a payment even a partial payment you can do so whenever you like. This will help reduce the amount youll owe at the end of the payment suspension period. My forbearance started in XX/XX/XXXX. I did not make a payment in XXXX and the interest was suspended as per the rules of the forbearance. Going forward, my plan was to make a {$3000.00} payment every month for the remaining 11 months of the forbearance so that the debt would be basically paid in full when the suspension ended in XXXX of XXXX. That is exactly what I have done. I have sent a {$3000.00} ACH payment from XXXX XXXX XXXX  XXXX in XXXX to WF on or around the XXXX of every month. Problem is, WF only applied XX/XX/XXXX and XX/XX/XXXX payments respectively. The rest of the payments ( 9 ) staring with XX/XX/XXXX through XX/XX/XXXX have not been applied towards the balance of my loan as stated in the forbearance plan. WF returned XXXX, XXXX, XXXX & XXXX of XXXX and XXXX, XXXX & XXXX of XXXX payments to me each month in check form. XX/XX/XXXX payment is missing and unaccounted for and of this date XX/XX/XXXX XXXX payment is unaccounted for. I dont get it. I followed the plan as explained to me and WF decided to change the plan without an explanation. 

In addition to the forbearance nonsense, WF has sent me a loan modification application twice, in XXXX of XXXX and again in XXXX of XXXX. Both times, WF has made the claim that my loan is delinquent and that foreclosure is eminent if I did not fill out the application. This account is not now or has ever been delinquent. My understanding is that this action by WF would be the CFPB definition of dual tracking. This is illegal in Illinois.

I have made numerous attempts to contact WF by phone, through email and by letter, but they refuse to answer my questions or complaints. I am supposed to have an assigned case specialist who is never available. I have recorded myself leaving voicemails on both my case mangers voicemail and her managers voicemail, but they both refuse to contact me back.
Consumer complaint received 2023-04-19
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)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2017-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown Law, PLLC (CA)

For several years I 've been sending a payment to the XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Texas XXXX XXXX, ( XXXX ) XXXX. I 've always paid in a timely manner. Today my check was sent back as " not deliverable as addressed- unable to forward ''. I called the XXXX firm but the phone number is out of order. I looked up several sites online and I tried calling several other numbers but could not locate the XXXXXXXX firm. I came across the Brown Law firm and saw that their address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx, the same as the XXXX XXXX firm! Their phone number is XXXX XXXX XXXX XXXX. I called but since it 's after-hours, no one picked up. If my former XXXX credit card bill is no longer with the XXXX XXXX firm, or, if it has been taken over by the Brown Law firm, no one has advised me. I want to see something in writing telling me the status of my account. I certainly do not want to get into any legal jeopardy over this bill because I have been honorable in paying it and I want to continue to pay it until the account is settled. Can you possibly get something in writing from the XXXX XXXX firm and/ or the Brown Law firm telling me what 's going on? Since my check came back today, XXXX/XXXX/XXXX, I 've become very worried about this and I could really use some help. I mailed my check as I do every month during the first week of each month. I am timely about this. Thank you.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/XXXX, I called Equifax to remove inquires that I did not authorize. I spoke to a US rep who after explaining to him the situation he advised me that XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX would all be removed. After a couple days I checked my report and the items were still there. I called back on XXXX/XXXX/XXXX after sitting on hold for over an hour I was connected @ XXXX I spoke to a US XXXX XXXX in the XXXX XXXX XXXX by the name of XXXX XXXX who advise me that she wanted to apologize because the gentleman only placed these inquiries under dispute but seen his notes and would be sending my file to a specialist team to have the inquires removed since they were suppose to be done on XXXX/XXXX/XXXX because they were inquiries I never authorized and had multiple problems with getting the companies to send a Deletion Request sent electronically. On XXXX/XXXX/XXXX I received a letter showing that XXXX XXXX was the only one removed. That all the others were factional after I had been told now on multiple occasions they would be removed. I am extremely frustrated with this agency and ca n't believe how unprotected we are in consumers. That the agency who holds my life in their hands I literally can not TRUST. None of these agency had my authorization to pull my credit being the loan was suppose to be pre-approved.
Consumer complaint received 2023-04-19
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. (AZ)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
XXXX in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX  payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

My home was in foreclosure. I repeatedly tried to get the correct payoff from them. They never once would break down the correct amount. When the house was finally in Sheriff sale they had the right amount magically. It was XXXX less thess than they kept telling me on the phone. I was then able to just cash them out nd get the house out of foreclosure. With that being said they have promised on many occasions to report my loan as no payments late. I was late but only because they refused to work with me after Covid..
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am filing a formal complaint regarding Equifaxs failure to resolve repeated disputes over inaccurate information on my credit report and am demanding immediate corrective action under the Fair Credit Reporting Act ( FCRA ).

Despite numerous dispute attemptsincluding certified letters, emails to Equifaxs representatives and
Board of Directors, and several disputes initiated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXEquifax has failed to delete the incorrect information. In a phone call with XXXX XXXX XXXX, yesterday a representative from Equifax, I was informed that Equifax would not remove the data, arguing that the error stemmed from the creditor. However, as a consumer reporting agency, Equifax is legally required under FCRA 611 to correct or delete inaccurate information once it has been identified, regardless of the origin of the error ( 609letter Fair Credit R ).

The FCRA mandates that Equifax reinvestigate disputed information and delete any item found to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 611 ( b ) ( 5 ), deleted information can not be reinserted into my credit file without certification of accuracy from the information furnisher ( 609letter Fair Credit R ). Equifax must also maintain reasonable procedures to prevent the reappearance of any deleted information, as required by FCRA 611 ( b ) ( 5 ) ( C ) ( 609letter Fair Credit R ).

Summary of Actions Taken : Certified Letters Sent by Mail : Multiple certified letters were sent detailing the dispute, with documentation substantiating my claims.

Emails to Equifax and Their Board of Directors : Escalation efforts included emails to the Board, highlighting the error and requesting deletion. 
Phone Call with XXXX XXXX : I was told that Equifax would not delete the incorrect data, attributing the responsibility to the creditora reasoning inconsistent with the FCRAs requirement for consumer reporting agencies to uphold accuracy.

Equifaxs ongoing failure to act in compliance with the FCRA has negatively impacted my credit profile. Therefore, I am requesting the immediate and permanent deletion of the disputed information, confirmation that it will not reappear on my report, and assurance of adherence to FCRA guidelines.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to find inaccurate accounts appearing on my credit report, completely out of the blue. I always check it routinely, but this time, unexpected discrepancies just showed up. I even tried refreshing the page, thinking it might be a glitch, but the errors remained. Because of this, Im asking for a thorough review of the documents Ive submitted so I wont have to face this kind of worry again.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA has been in reception of MULTIPLE lawful payments and has yet to apply any of them to the account I use for my benefit. I believe in all of my heart that the instruments ( aka payments ) have been stolen and possibly sold for value of USAA 's personal financial gain. 

Attached are some of the instruments./payments USAA also commits crimes called double dipping, they expect the be paid twice for their insurance products by payment PLUS remittance coupons that are redeemed via Remittance department. 

Any time I call, I get multiple representatives who never provide transparent answers. 

This bank has been in reception of MULTIPLE negotiable instruments as payments and/or deposit funding and it has yet to be applied EVEN ONCE. 
A XXXX IRS Referral and Interference with commerce IRS Notice, a long with documentation of USAA 'S DISHONOR has been sent USPS to XXXX, Utah in hopes to recover the funds *eventually *, but I hope your department can intervene sooner??
Consumer complaint received 2023-04-19
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Phh mortgage service. I asked about a repayment plan. XX/XX/23. I then asked about a loan modification estimate being that I have became XXXX and struggling to pay my bills. I didnt like the terms. It keeped my payments the same interest the same but increase 10 years to the loan. so i did not agree to it. Spoke with Agent XXXX XXXX. She informed me that the loan modification needs to be canceled and was maliciously put into place without my signature. All is needed is a payment to agree to the terms she told me. And now they wont let me make my regular monthly payment from XX/XX/23. They are getting interest but refusing to let me pay since my last
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (UT)

I've gone to the company directly to fix this issue and they act as though they have no idea what I'm talking about. The dates for XXXX are incorrect. It's not a complicated fix yet they are refusing to acknowledge what the problem is and to fix it. The last reported and last payment dates are incorrect. I don't understand why this is rocket science and want it corrected. It needs to be corrected or removed per the FCRA laws.
Consumer complaint received 2023-04-19
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-04-19
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. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Equifax via certified mail multiple disputes along with supporting documentation for the items that i am disputing. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( 4 ). Equifax has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Equifax seems to be consistently taking advantage of consumers.