davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-19
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (PA)

Affirm its a company that I am complaining about I had gotten a loan for XXXX For an airplane ticket for myself to XXXX  after we purchase a ticket got on the plane we got an email and the price was completely opposite from what I agreed to an increase to {$4500.00}. I called made a complaint to the company and they said that they were very sorry that they would correct the situation. I have went through four investigations in which the company said that there was a glitch and that they would fix it and each and every time they have not and I go back to square with no resolution.The Company continued to apologize and said that it wasnt their fault that I needed to call the airlines call the airlines and then redirected me back to Affirm and told me it was their fault that they had no control over the situation. I have been fighting this amount since the company has done nothing to fix the situation and said that its not their problem and theyre still trying to charge me this debt. Additionally I did not agree to the {$4500.00} for a ticket. Another problem is that there was a purchase that I had made through this company prior to the tickets of {$1000.00} for a XXXX machine I canceled this order and was able to confirm that the company XXXX refunded my money back to Affirm but a firm is refusing to give me a a refund stating that its under investigation since XX/XX/2021. Im very frustrated Im in college and I can not afford to just continue to have this company steal my money from me and change cost etc. I am so frustrated and Im hoping that you could please help me because Im at my wits end.
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc. (MI)

Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hey XXXX, TRANSUNION, XXXX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX, Transunion, XXXX ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX XXXX late payments then closed on XX/XX/XXXX its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX  - XXXX - ( Transunion, XXXX, XXXX ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( Transunion XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( Transunion ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, Transunion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX. XXXX, XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX. XXXX, XXXX Transunion XXXX XXXX XXXX. XXXX, XXXX Transunion Thank you for your time and attention! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-27
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. (FL)

Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX XXXX. And they will not remove it. This is not my debt or have I ever applied for anything.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

This is a complaint related to the non-answer on Complaint # XXXX I received from Bayview on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( attached ). The original complaint : Describe what happened so we can understand the issue ... 
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS. 

My response : To Bayviewloanservicing Customerservice XXXX XXXX CC CPA XXXX XXXX XXXX Message body To Whom It May Concern : I have received your response to my inquiry dated XXXX/XXXX/XXXX and have further asked the CFPB to pursue my complaint. I believe the XXXX ( Corrected ) document I received on XXXX/XXXX/XXXX is ( a ) in error in its amount and ( b ) not received in a timely fashion and ( c ) the original from was never issued to me ( if this is indeed a " Corrected '' version ). The pertinent paragraph in my DIL documents was unequivocal : Inline image If you were to pick another FMV of the property ( from the several appraisals you conducted ) ; it should have been immortalized in the Document of DIL. I 'm am not a expert here but am sure you 've violated IRS rules in the timing of issue ( my quick research indicates that XXXX 's for Cancellation of Debt are due to Taxpayer by XXXX XXXX ) and in the amount on the XXXX Corrected. Please correct this mistake immediately. 

Attached : Your XXXX/XXXX/XXXX Response The DIL documents signed XXXX/XXXX/XXXX XXXX Corrected received XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell XXXX Bayview has now delayed me again on this response. I believe they are outside of IRS and Consumer Finance laws here but they refused to answer a call of try honestly to resolve this issue
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital One solicited me for a Business Card at 0 % for 12 months on purchases. Somewhere along the process they bait and switched me to a standard offer. This was not clear at any point during the process. This was clearly an unfair and deceptive practice. There is no reason I would not have received the premium offer with strong credit and a well established relationship with Cap One. 

I spoke to servicing and all they would say is NO, NO, and NO. They enticed me with the offer, I am just beginning to establish my business along with maintaining a full time job. This is not OK! If it was clear I would not 1. Accepted the offer and 2. Used the card to make a large purchase.

Also, this is a Business Card and they are reporting it to my consumer file, that was not clearly communicated. Unfair and Deceptive!!!
Consumer complaint received 2022-10-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate theses items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

I paid my Macy 's American Express balance in full by phone on XXXX XXXX, 2015 in the amount of {$820.00}. On XXXX XXXX, 2015, I received a billing statement from them saying I owed a past due amount of {$24.00} and they charged me a late fee of {$35.00}. I called immediately and reviewed this inaccurate information and it was the first time I was notified I had a balance since paying in full in XX/XX/XXXX they apologized and immediately reimbursed me the amounts in their error. They turned around and lied and reported me for 30 days late. I want this removed immediately from my report.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper was my mortgage loan processor when the XXXX pandemic occurred. I was approved by Mr Cooper to utilize the XXXX XXXX XXXX to defer monthly mortgage payments when I was having difficulty paying. I paid when I could during this time, but utilized it numerous times while under this plan. 

One issue that arose during this time with Mr Cooper was their accounting for these deferred monthly payments. Mr Cooper just added the deferred monthly payments to the $ amount due section of the statement, as though I had missed a payment or payments. This was always a problematic and deceptive presentation that made the accounting for these deferred pmts, as opposed to any regular monthly missed payments, difficult ( at the very least ) to differentiate. I do understand their dilemma regarding the presentation of these amounts, in that it would have been costly to re-configure their monthly mortgage statements, but they still should not have identified deferred payments in this manner, as it has led directly to the nightmare, I have been living in for more than XXXX years now. 

The problem arose even for Mr Cooper being able to properly differentiate between what were allowable deferred XXXX deferments and what were missed monthly mortgage payments. This differentiation became much worse when Mr Cooper sold/transferred my mortgage note to XXXX XXXX XXXX XX/XX/XXXX ( because XXXX treated XXXX amounts shown as Due as being delinquent and not relating to any legal XXXX Pandemic Forbearance Plan deferred payments ). 
The XX/XX/XXXX mortgage statement from Mr Cooper shows me as being current as it identifies that the $ amount due for XX/XX/XXXX is my regular monthly mortgage payment. 
Please see attached my monthly mortgage statements from Mr Cooper. Note on the XXXX page of each statement their update of my Pandemic Forbearance Pan under Heres Some Helpful Information. Note that from the XX/XX/XXXX mortgage statement through my last mortgage statement from Mr Cooper all comment on my Pandemic Forbearance Pan ; the implication being that I was under this plan from XX/XX/XXXX onward under Mr Cooper. Additionally, I am attaching a Mr Cooper letter dated XX/XX/XXXX that identifies that my plan has been extended and additional XXXX ( XXXX ) months for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Note : Mr Cooper transferred my mortgage to XXXX XXXX in early XXXX and any payments made after XX/XX/XXXX were to be made to XXXX XXXX. 
I am also enclosing an email that I created that includes an extract from each monthly statement from Mr Cooper from XX/XX/XXXX through XX/XX/XXXX Additionally, I am also enclosing a Mr Cooper letter dated XX/XX/XXXX ( XXXX ) that should establish that I had applied for a Pandemic Forbearance Plan XXXX XXXX deferments ) in/before XX/XX/XXXX.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

Around beginning of XXXX I noticed an unauthorized XXXX payment of {$1500.00} made from my Wells Fargo account and immediately called the fraud department to start a claim. The claim department gave me temporary credit of {$1500.00} while the investigated the matter. However, after a couple of weeks they declined my dispute and took the temporary credit back. I called the fraud department to ask them why they declined the dispute as I did not authorize any transactions and the lady told me the transaction was authorized by me on a device that had a passcode. I told her respectfully that there was no way that was me as I did not even know who the recipients were and they were XXXX individual people. I asked for a second review and she told me that someone would get back to me within a couple of days but I never received a call back. Every time I call, I get told I would receive a call back within a couple of days but never do. It's been over a month now and I just want to receive the money I lost. If I have to, I will take legal action.