davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (OK)

I sent this request on XX/XX/2021 : I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 4. No High Credit limit is reporting on XXXX. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof. 

They not only violated the FCRA with their response on claim XXXX but this company attach the wrong Master Promissory Note ( MPN ) to my response. Please see attachment or go back and look at the attachment with their response. I dont know who this is but you have put all of these people at risk of identity theft with your negligence. I dont know who XXXX XXXX or XXXX XXXX is but they will be contacting you soon. I am concern because my personal identifiable information can be floating out here due to the negligence of ECMC. Please take a look at this company and their practices. Im disputing the the information that is reported to the credit agencies. They are only reporting information that is given to them by ECMC. ECMC is giving out other people information and I am worried my information can be floating out there. Why is my account information attached to their promissory note? Please explain.Please investigate and remove this account due to inaccurate reporting. Please see attached proof.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (LA)

Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IN)

on XX/XX/2021 my account said i had {$630.00} available in cash. i withdrew the money to my bank account. On XX/XX/2021 i was told i was told there was a duplicate credit to my coinbase account and i needed to repay {$630.00}. Until i pay i cant buy or sell crypto on my account. Also if in 5 days the money hadnt been paid coinbase would sell some of my crypto for the payment. Today is XX/XX/2021. After numerious email correspondence still no resolve. Ive alway had a balance of {$1000.00} dollars so there never was an issue for coinbase to collect their repayment. I am still froze out of my account with a balance over {$2300.00} dollars. I fill coinbase has stolen my money.
Consumer complaint received 2021-08-24
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. (NY)

I already disputed this account ( XXXX XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports today XX/XX/2021, a newly added account appeared in my reports under the same name ( XXXX XXXX XXXX XXXX ) & account number XXXX & is reporting negative. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name, therefore this credit reporting agency has been allowing these debt collectors to report on my credit file without them properly obtaining judgement or proof of verification of judgement, nor submitting a public filing via UCC-1 with the Secretary of State. I have provided plenty of notices/Affidavits with lots of evidence to TRANSUNION but they continue to report accounts that supposedly were verified by alleged creditors when I am IN FACT THE ORIGINAL CREDITOR AND CONSUMER and they're letting my score go down significantly enough to damage me and my reputation. 
TRANSUNION has also not provided me with the remedy I am entitled to for all violations committed. This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2024-09-11
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. (OH)

My information was exposed in data breach. Under law FRCA 15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. These following accounts are not correct nor mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following accounts from my report.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

Started off as a 80/20 Loan ( Freemont & Ocwen XXXX then I got it modified and had 1 mortgage with Ocwen. I had a mortgage broker speak on my behave to negotiate this modification in XXXX which I was not aware this was a balloon mortgage. When I recently tried to do a Home Equity Loan with another company that how I found out that I still had a second mortgage. This was a predatory loan from the beginning, So I went back to the Mortgage company Ocwen ( now PHH mortgage ) to get this resolved by paying off the second mortgage with out the interest.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

National Credit Systems first sent me a letter to collect a debt of {$2400.00} in XX/XX/XXXX. The letter stated that I owed XXXX XXXX XXXX  {$2400.00}. I disputed the claim immediately with XXXX. It was not taken off my credit report. I felt I didn't own this money because I had tried to move out over a 4 year period and the landlord refused to let me out of my lease. Each time I would give her notice she would tell me to wait till the last day of the month in my lease to move, then she would threaten eviction sometime in the last two months because my new place wasn't quite ready, I would sign a new lease to keep from being homeless. I partially cleaned up the apartment ( so the landlord should have kept my deposit and that all ). Left the apartment, Almost like it was when I move in 7 years before.

She did not go to court to put it on my credit report but worked with this credit collection agency to establish this false claim. National Credit Systems ( XXXXXXXX XXXX XXXX XXXX, GA XXXX, phone number : XXXX ) refused to send any statement listing as to why I owe this money. XXXX XXXX, the guy that oversees this account claims to be an attorney and has threatened to garnish my check in the XXXX of XXXX. I took them to court in XX/XX/XXXX and lost because this is legal in the state of Mississippi and I did not have supporting documentation at the time of why I felt they owed me XXXX dollars. On XX/XX/XXXX, I received a letter offering a resolution in the amount of XXXX dollars. On XX/XX/XXXX, I paid {$1200.00} for a resolution and report it to XXXX but it is still on my credit report today. The credit collection agency is still asking for another XXXX dollars, although they ( collection agency ) asked for the resolution. They have changed the original date of the complaint to XX/XX/XXXX. They also change the reporting date with other reporting agencies ( XXXX  and XXXX  ).
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit
Consumer complaint received 2021-08-24
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: CITIBANK, N.A. (MS)

On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Citi bank on XX/XX/2021 and XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.
Consumer complaint received 2021-08-23
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. (GA)

I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited {$240000.00} into the account and withdrew {$200.00} on XX/XX/2021. There is {$230000.00} for me, but Chase has denied me from withdrawing the money. According to XXXX the account closed, but that is fraud. The Chase branch manager of the XXXX XXXX XXXX, XXXX XXXX, CA XXXX location did not return my check. I have asked for my money, but I am being hindered by Chase. I spoke with Chase Claims Department to get my money. I was transferred to the Collections Department and spoke with XXXX Unique ID # XXXX. XXXX claims that the check did not cash, but this is fraud. I have the receipt as proof. The receipt is prima facie evidence.
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (OH)

Yes ally did not get back too me on my complaint I did with you guys awhile ago. Trying too get car payments deffered due too hardship. I told them I can't afford a up front payment on car. Due too being on XXXX also. I'm hoping they can waive up front fee. That would help. Not happy. Also been on time never late
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

On XX/XX/2021, I received notification that I have made my 120 qualifying payments from Fed Loan Servicing. I asked what's the next step. They told me that it would take 6 months to review the case and then they would send it to the Department of Education for another review. After that, it would be sent to Treasury to complete the Loan Forgiveness.

Fed Loan Servicing will not be handling the loan after their contact ends on XX/XX/2021. Then my case will be transferred to another loan servicer and the process starts again with the new loan servicer reviewing the loan package for 6 months. 

I can't retire since I need to be employed by the Federal Government until the loan forgiveness is completed. 

Please help to see if this process can be expedited since I have met the terms of the PSLF program. 

Thank you XXXX XXXX
Consumer complaint received 2021-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX I spoke to Wells Fargo with questions about my existing HELOC home loan and during the conversation, the Wells Fargo staff person revealed to me that my loan was a rare " XXXX XXXX. '' I asked what a " XXXX '' loan was, since when the loan was originated in 2006, no one ever mentioned this term or since explained that I had been given this type of " rare '' loan, which calculates the interest rate in a way that I pay more than even the 9.14 percent interest rate. Wells Fargo did not explain to me why I was given this " rare '' higher interest rate product, and even though I filed a complaint with Wells Fargo in XXXX or XXXX, and they answered me in writing in XXXX, I still have no adequate explanation. 

Last week my husband and I visited a Wells Fargo branch in XXXX and spoke to staff about financial set backs we have had since Covid, and although our loan is current, we asked the bank to reduce our over 9 percent interest rate ( calculated daily or XXXX  ) and although we have good credit we were not given an option to have our interest rate reduced without an expensive refinance process, which would only increase our debt, overall. This home that is mortgaged is in a predominantly working class XXXX American neighborhood. I want to know what research is available as to how many XXXX were given rare " XXXX '' loans, versus XXXX, or homes in predominantly XXXX neighborhoods in XXXX. I want my interest rate reduced without refinancing to help with the financial setbacks we have had since Covid, and since my husband 's job is our main source of income and he is in the XXXX industry, I want to shore up our finances for what may be another storm coming. I want Wells Fargo to pay me back all the extra interest I was charged under the " XXXX '' terms, that were never explained to me when the loan was originated. I believe the " XXXX '' terms were exploitative.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

1. Pursuant to 15 US Code 1666b of the Consumer Credit Protection Act A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As per 15 US Code 1666b of the Consumer Credit Protection Act, I find that Capital One Bank has been violating my consumer credit rights since XXXX of XXXX by continuously reporting late payments to my consumer credit reports. These violations have and continue to occur a total of 4 times across all three major credit reporting agencies. I hereby invoke my consumer credit rights and demand the removal of all reported late payments from my consumer credit reports immediately. This includes but is not limited to XXXX, XXXX  and XXXX. 

2. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

This demand to remove letter hereby serves as written instruction to Capital One Bank to remove any all reported late payments from my consumer credit reports and files.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I received a debit card from Wells Fargo, despite never requesting a card or opening an account. The debit card says that I have been a customer since 2021. I called Wells Fargo, and the customer service representative said that I do indeed have an account. I am concerned that Wells Fargo may have opened an account in my name without my permission, in order to solicit my business.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (PA)

Two representatives from First Credit Services called me on two different dates. XXXX XXXX called me on XX/XX/2021 at approximately XXXX XXXX  eastern time and XXXX ( last name unknown ) called me on XX/XX/2021 at approximately XXXX XXXX eastern time. Both individuals confirmed the call is being recorded for training purposes. Not only did they call me repeatedly, but there was abusive language, no consent directly from me to contact me, and they called me at my place of business since I am an XXXX XXXX with an XXXX business. There are more details in my attached letters. The company has yet to respond to my two letters.
Consumer complaint received 2021-08-23
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. (PA)

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my report.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I have called so many times, I faxed and mailed equifax and I mailed XXXX  and neither company updates my account with my correct address that I have had since forever. I dont even know how my address got taken off my report or how an incorrect address was put on it. Im so tired of not being able to get my credit reports bc of these two companies. This has been ongoing since the beginning of last year and it shouldnt take this XXXX long for them to update my report.