davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX : {$880.00}, XXXX XXXX XXXX : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  A ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Consumer complaint received 2016-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). 
Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MN)

I received the following text WeIIs : A Failed Paymnt attempt at XXXX XXXX XXXX XXXX MN XXXX # XXXX has been made for {$27.00} on XX/XX/2022 XXXX Stop. XXXX XXXX XXXXXXXX from XXXX ( XXXX ) XXXX. I knew it was fake because I no longer bank with Wells Fargo, and made the switch several years ago when I closed the account.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (RI)

PNC Bank has been paying other taxes from my escrow account that are not my property taxes which keeps making my escrow account have a shortage which is increasing my payment. I have asked them numerous times to stop doing this. My mortgage payment should only include my principal, interest, property taxes, and homeowners insurance. They should not be paying anything else out of this account. 

I have tried to fix with PNC but they have done nothing. 

Thank you XXXX XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (FL)

To Whom it May concern, I have reviewed my credit reports reflecting an account with General Revenue Corp. However, I was uninformed of this account. I was never provided any written documentation validating this debt was mine nor was there anything sent in the mail such as a statement, etc. 

Not to mention, when reviewing this file on my credit report it is showing incorrectly. This account is a collection that is showing opened and this is a way to continue to re-age this false account in order to impact me negatively. According to the FCRA Section 6. 23.5A it states that the date of delinquency determines how long the debt can be reported on a consumer credit report, they are trying to damage me long term so it will never fall off my report. This a violation of my rights and as mentioned in my dispute directly to them I will be forced to seek legal action and in return I will request up to {$1000.00} in damages. 

They have withheld notices from me and I ask this company to cease all communication and reporting on my credit since they have violated my legal rights.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have made several compliants about that fact that Experian do not follow letter heads from credits, and make claims that the credit made statements about my account with no proof of a document that was sent to them from the creditor so I can go after the creditor with the proof that is was them who did that. All I get from Experian is them over the phone claiming that was the creditor sent them with no proof. But when I make a claim I get a document from the creditor, sign by the creditor with a letter head from company. I ask Experian if this was the court of law and I have hard evidence from a company sign by them who are they going to believe.Instead of asking the creditor if this document came from them so the came update my account, instead they tell me that they are waiting for the creditor to respond, and they respond never has to do with the letterhead that i sent them. This last update on this child support case they change it to {$0.00} balance after Child support did not respond. Experian policy is if the creditor do not respond they have to remove the account from my credit report. Instead of the remove the account from my credit report they took the balance that was reported {$180.00} and made it monthly payments, and made {$0.00} balance. This did not come from child support because it the wrong account information and child support do not report {$0.00} balance to credit reporting agency. They only report when there is a balance is due. It is illegal for a credit reporting agency to make changes to an account if it did not come from the creditor and that is what Experian did with this account. This are compliant numbers so you can see the history of what happen, XXXX, XXXX, XXXX. I did my investigation with child support already. They send out update on the XXXX of every month if there is a balance to report. If there is no balance there is nothing to report. Experian claim on XX/XX/XXXX, child support sent them an update that is a lie. Child support is not going to respond with false information about my account. {$180.00} a month is not my monthly payments. That is what Experian change it to because they did not get a response from child support. I want this account remove from my credit report.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I sought Loss Litigation and was referred to XXXX and talked to a Representative. The Representative told me we needed to schedule a meeting with the mortgage lender. 

Within an hour someone called identifying themselves as being assigned my case and told me he was going to help me through this and after two payments we could begin the process of restructuring rhe current loan and even how it would lower my payments until I could get a medical release and find employment after my employer let me go while I was out on XXXX recovering from an incident that was actually related to work. 

After paying the gentleman {$1800.00}, my roommate said something sounded funny and attempted to speak to the guy who became irrate. Well none of the money wS applied to my loan and it does not appear he still works there or possibly was not their employee. I just don't know how his calls would show the mortgage lenders name and he would have so much information. 

I questioned him several times because up until this year I had never bounced a check in my life, because I was behind I had to make other payment arrangements I feel so stupid and worthless as I am in the process of losing my home and the only reason I fell behind was that while I was recovering from a work related injury, after 8 years of employment they let ne go
Consumer complaint received 2022-09-01
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. (FL)

I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service (NJ)

Late Payments Being Reported : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The above mentioned account is being reported as severely derogatory on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.
Consumer complaint received 2022-09-01
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX FOR XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT- 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
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Experian continue to list a Civil Judgement which is not mine.Experian has deleted the entry from the Original Creditor which is XXXX XXXX, but they are not deleting the Civil Judgement from XXXX XXXX. When the Original Debt from XXXX XXXX is not mine, how come the Civil Judgment from from that debt is mine.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-06-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America 's website did not give me an option to pay my note on the XXXX and XXXX of this month. I have been paying on this bill for around 10 years. I 've never been late.I 've almost always paid my mortgage on the XXXX or XXXX of each month, as this is when I get paid. I make sure not to go over 30 days, however, the month of XXXX had 31 days in it. I went to pay my bill on the XXXX of XXXX, which fell on a Friday and was met with the drop down button not allowing it. I tried on XXXX XXXX, which fell on a Saturday, to make the payment again and was with an error stating that Saturday was not a business day. This forced me to schedule the payment on XXXX XXXX, that Monday. This is online payments and it should n't of mattered if it was a business day or not, as long as the payment was made. I have now been informed that Bank Of America has decided to report on my credit report a late, which will damage me! This is not fair and my records will show that I have paid my bill on the same date of each month. How am I to be penalized because Bank Of America did n't allow me to make an online payment on XXXX of those days, yet the record shows that I scheduled on XXXX XXXX for the XXXX of the month ( the only option )? There was also nobody to speak with over the phone as that department was closed.
Consumer complaint received 2022-10-26
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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 Balance : {$5000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4900.00}.
Consumer complaint received 2022-09-01
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
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. (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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Consumer complaint received 2022-09-01
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: The CBE Group, Inc. (NY)

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXXXXXX CBE Group, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # 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 an 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 2022-09-01
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)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX  ) has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.