davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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. (TX)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (CA)

I am a severely XXXX Veteran with a VA mortgage with Flagstar Bank. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by Flagstars insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted Flagstar and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking Flagstar staff how the loan would be reported if we were approved for a loss mitigation plan and were told that Flagstar would report that we were in a payment plan due to a disaster, but once the plan was in place Flagstar has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted Flagstar multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (MD)

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Consumer complaint received 2020-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC (CA)

On XX/XX/2020 I received notice that a collection account had been added to my XXXX   report from XXXX XXXX XXXX XXXX At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from XXXX XXXX XXXX XXXX XXXX but some company named Nelson Cruz & Associates claiming that XXXX XXXX XXXX XXXX was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for XXXX XXXX XXXX XXXX to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX advising that XXXX XXXX XXXX XXXX had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

For the past 3 plus years Ocwen Mortgage has fraudently been reporting that I have been late numerous times which is inaccurate and untrue. 
Although I have sent them numerous correspondences alerting to them that the information was inaccurate and untrue even providing proof such as canceled checks etc. They and their subsidiary company PHH Mortgage has continued to report this derogatory and inaccurate information on my credit reports. 

The only response from Ocwen And PHH Mortgage has been dunning letters and informing me that I am past due and adding excessive late fees. 
I have disputed this inaccurate information with all three credit bureaus but Ocwen and PHH continue to verify and falsely report this inaccurate information. 

I had a previous lawsuit with Ocwen Mortgage which was settled out of court several years ago and they agreed to remove this false information but have failed to do so. 
Ocwen turned over this false information to PHH which continues to report this false inaccurate and damaging information. 
Ocwen and PHH have been willingfuly withholding my payments and returning them to me after a 30 day period just so they can charge excessive late fees and illegaly foreclose on my home which I have been able to stop everytime they have tried.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A monthly transaction always try to come out on the XXXX of the month. It is never consistent on when it is processed because the account mostly does not have enough funds to cover this charge on the XXXX due to my SSA-DI check goes thru on the XXXX of every month. For som reason the bank processed this charge this month of XXXX on the XXXX that was on a weekend. Since I didnt have the available funds, I was charged a {$35.00} fee for overdraft. I feel that this charged should be waived since I did not authorized the bank to process any charges that will make my account go in the negative. Im being penalized due to the way the charge was processed from the merchant. I have been used to the bank not processing this charge because enough funds are not available. I feel that the bank use its power to get extra money from me despite me being on a fixed income.
Consumer complaint received 2020-03-03
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. (KY)

I am trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America closed two Credit cards that I had with them and despite the mistake, they made they are not willing to reopen the account. 

Bank of America asked for my residency documents. I called BOA first to make sure what is the best way to provide the document I've been advised by the associate to go to a local branch. I went to XXXX XXXX, XXXX, MA branch of Bank of America and Provided my green card as well as driving license ID ( XX/XX/2020 ). The associate copied the documents and typed in the information in their system and said I am all set. 

Later on, when I logged into my online account I got a pop-up message that I need to upload the documents. I called BOA again to figure out what is happening. I've been told that the information regarding my residency documents is in their system and I am all set and I should ignore the pop-up message. 

On XX/XX/XXXX I realized that my checking accounts are frozen and credit cards are both closed. I went to the XXXX, MA branch of BOA and they said because it's the bank associate 's mistake they would file a complaint and will escalate this and will solve it. 

They gave ma a Case number XXXX. I went there back on XX/XX/XXXX and they said they are not able to reopen the account for the mistake that they did. 

This is going to negatively affect my credit score and wasted my time.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have sent multiple disputes in regarding misleading/inaccurate items on my report. I recently found out my information was compromised in the Equifax data breach. Now more than ever I feel my information has fallen into the wrong hands. After doing extensive research I saw it is illegal per FCRA Section 807 to report inaccurate items. Im reaching out to hopefully get a repose this time. It has been over 60 days with no response regarding this invalid items.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$170.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Consumer complaint received 2020-03-02
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. (TX)

ftc violatons XXXX  XXXX XXXX  XXXX  will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX -XX/XX/2020 XXXX - XXXX- XX/XX/2020 XXXX- XXXX - XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-03-03
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. (AR)

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$150.00}
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

please note that in XXXX I was granted a loan modification for my loan of aprox {>= $1,000,000} at a rate of 2 % interest only. the payments were very comfortable for us to make. at {$4500.00} per month including tax and insurance. our taxes are low as we owned our home since XXXX However the loan modification was only for 2years and we were still trying to get back on our feet when the lender increased our monthly mtg payment from {$4500.00} to {$12000.00} per month. OVER THREE TIMES THE AMOUNT. we were unable to make these payments and we again applied for a loan modification. 

after almost 7months the lender nationstar who now goes by Mr cooper approved us for loan modification however the amount monthly was still {$12000.00} which is three times what we were paying. 
we were told by the representative that if we did not accept it we would be foreclosed upon. so we made three trial payments but it was very hard for us and then we could not pay more. we were approved again but we told the lender that the payments being three times the original amount were just too high. 

now we are told that we have to short sale or be foreclosed upon. please provide us with any information to help us save our home Thank you XXXX
Consumer complaint received 2019-12-05
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. (SC)

Please remove all inquiries shared with others and shared with me only. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX   XXXX XX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

XXXX XXXX XXXX charges ( {$1200.00} ) for equipment and final bill. Equipment was returned on XX/XX/XXXX and received by XXXX. Final bill was paid in full on XX/XX/XXXX for {$520.00} rep was XXXX XXXX Confirmation number XXXX. Ability recovery was handling this acct and are aware that its settled. Was settled directly with XXXXXXXX XXXX XXXX XXXX. Disputed with XXXX XXXX who says this debt is accurate and will stay on my credit.
Consumer complaint received 2019-10-06
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)

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. Transunion instead filed a dispute, I am demanding under legal requirements of the FCRA 2009 that these be blocked, not disputed. I have filed the paperwork with the FTC for this to happen. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The account is the account with XXXX XXXX Deposit account with a balance of {$2200.00}.
Consumer complaint received 2019-10-04
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. (TN)

I saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : XXXX, XXXX 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 2019-12-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX at XXXX XXXX  I checked my email and found a message that my savings account balance was below {$25.00}. I was greatly concerned because the account had almost {$6000.00} in it when I checked in the morning. The email was generated at XXXX XXXX  and came to my inbox at XXXX XXXX. I signed into the banking app to see if I could figured out where the money was and the app response was I could not access it and gave me a number to call. I immediately called and when a real person answered stating it was the account closure department I knew what had happened since this was the second time the bank had done this. I understand now why they are doing it but I am concerned about their failure to notify me of their plans so I could move the funds. Instead they put a hold on the funds and would send it by check which in the past they had told me could take several weeks. Instead, I have to demand to speak with a supervisor that can submit an exception but it will take 1-3 days and they will not notify me when they have done it. Unfortunately,  I know from previous experience that the funds will be once more held on day 3. The last time it happened I filed a complaint that they never responded to because they said they could not verify who made the complaint but this form clearly identifies me. I believe the bank is using these activities to hold money and earn interest without paying me interest while cause considerable inconvenience. I believe this represents unethical business practices.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Auto Dealer Fraud and Consumer Fraud XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX miles and XXXX years old. Never told me it even was out of manufacturer warranty. Car died XX/XX/XXXX XXXX  battery dead, {$4600.00} to fix. I got XXXX trade in. 

Predator lending Credit Acceptance 22.99 % interest. 

XX/XX/XXXX, XXXX XXXX rolled {$6300.00} into my next car loan from Credit Acceptance.

This is all Auto Dealer Fraud caused by all 3.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (AZ)

I noticed this collection on my account in XX/XX/XXXX and immediately paid it. I asked my wife to call to try to get it deleted off of my credit report but they refused her since it was not her account. 

We moved from XXXX  to XXXX in XX/XX/XXXX. We had an account with XXXX XXXX and we never received our final bill. It was an extremely hectic time. We were moving across the country with a XXXX and XXXX year old to a place none of us had ever been. We moved into temporary housing until we could find a permanent home. We moved into our current home in XX/XX/XXXX. You can imagine the stress of that time. 

We never received any notice of this debt from either helvey and associates or XXXX XXXX.