davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I am XXXX XXXXXXXX XXXX and I returned from a XXXX where my information was leaked through a military system that was hacked. Money was stolen from my account due to the hacker and I didn't receive a paycheck for a full month which then followed up with a 3 week investigation with XXXX XXXX XXXX XXXX to identify the breach in my account. I shared this information with Freedom Mortgage and I stated I wouldn't be able to make the payment due to XXXX income and I was unable to take out a loan either because my account was under investigation. I spoke with a representative at Feeedom Mortgage and asked my options and they shared I would be able to push that payment to the end of my loan. Ultimately 9 months later I reached out again and asked why my payment said past due and they shared that it was never settled to be moved and I had 9 late payments on my credit report that has taken a dramatic dip over XXXXXXXX XXXX  because of this instance I have never had any issues with freedom mortgage until this occurrence and I respectfully demand that these late payments be removed off my credit report. It is an unfair attack on a military member who was on a XXXX and identity was compromised overseas and now have to pay the price for an agreement that was never fulfilled.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WV)

A dispute was already submitted on XX/XX/year> and closed. They sent me an email asking for proof that it was a fraudulent account. This is not the original issue. The problem is the original creditor fabricated these charges, didn't inform me of them, sent them off to collections before any knowledge of the account, and now this collection agency is impacting my credit.
Consumer complaint received 2024-07-03
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. (NJ)

The Credit Reporting Agencies Transunion, XXXX and XXXX are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS ( Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.
Consumer complaint received 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IA)

I got my loan in person and one of the first things I asked is if I could pay my loan off early and she said yes and when I was signing the paperwork I was asking if I made extra payments if I could pay off the loan sooner to save on the interest and she said yes, that I could even go into the branch to make extra payments and she would apply it directly to my principal balance. I re-read the contract and this rep failed to explain to me the entire truth. No, there would not be a penalty if I paid off my loan early but that I would not save anything in interest if I paid it off early because the finance charge is a set charge and that charge would not be refunded or credited back if paid off early. I think this is incredibly unethical and something should be done about it. This is deceptive practice and I know I am not the only person that this company has fooled when it comes to payment terms.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

While searching for other documents I ran across a cashiers check that was made from My shares acct with XXXX XXXX XXXX XXXX that was made payable to navy Federal credit union. I have never been affiliated with navy Federal credit union. The amount withdrawn from my XXXX XXXX XXXX  was for {$10000.00} date of withdrawal was XX/XX/year>. 
I contacted both institutions regarding payment and neither institution was able to provide me with additional info. I realize this was quite awhile ago but the amount is very large. Navy Federal could not find any accts under my name and XXXX XXXX stated that date the payment was made was to old. I'm very concerned as to why payment would have been made to navy Federal credit union since I have never been affiliated with navy federal.
Consumer complaint received 2023-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Hello Sir/Madam last year XXXX of XXXX, I have gotten a home improvement loan from EnerbankUSA to do a roof replacement for my house in the the amount of {$15000.00}. The loan term says same as cash which i never knew how it works since they never provided any information. However it says the payment is not due until XXXX this year, XXXX. Fine so I have set up an automated bill pay in ADVANCE for the monthly {$300.00} on XX/XX/XXXX. At the same time I have tried to contact enerbank to find out exactly what's my exact balance is due. Therefore, I couldn't get a hold of anyone. The website didn't work for me neither the phone call to obtain the balance i needed to pay. Most of the times its 30 to 45 minutes call wait time and the call gets dropped after certain time. Anyway I was making random payments such as {$7000.00}, {$3000.00}, {$2000.00} within one month. Then on XX/XX/XXXX, after so many attempt, I finally got a hold of a live EnerBank customer service adviser. When I asked about the remaining balance he said I still have some small balance left but also there is interest occurred. I asked the associate to take the remaining balance over the phone immediately, which he did and there shouldn't be any balance left on the account. Then I tried to explain to him that's why i called many times to find out the balance but its almost impossible to talk to someone. If there is any interest which unintentionally happened due to the fact not to get a hold of anyone. Then the associate told me that supervisor is in a meeting but he will call me back to resolve the matter. Nearly one month later on XX/XX/XXXX i got to talk to a different adviser in EnerBank, and explained the situation again that i was expecting a call back from your superior but then i never received any call. the she said the same thing supervisor is in a meeting and she will expedite the matter and supervisor should call me the very same day. Unfortunately no one called at that day. Then i tried to learn about the bank and found some interesting facts. That's how they do bad practices in the name of bank. Intentionally they don't flow ON CALLS or correct information provide to the consumer and therefore most of their consumer can go through with XXXX and illegal fees/ interest which is not consumers own fault.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (IN)

This debt is inaccurate and/or fraudulent. The original debt was with XXXX XXXX It was a debt that was supposed to be paid by a former employer under a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The medical debt has already been removed from my report in XXXX Wakefield and associates lists XXXX XXXX XXXX as the original debt holder. This is inaccurate and false. Likewise Wakefield did not contact me or give an opportunity to dispute the debt prior to placing the debt in my credit report. Debt is also part of a current civil litigation.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

XXXX is a 3rd party debt collector who bought the debt and is now suing me for a debt I did not have a contract with them. I feel I do not owe them anything. The amount being sued for {$930.00}
Consumer complaint received 2024-06-26
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: W&A Intermediate Co., LLC (GA)

I have requested that XXXX remove a collections account for XX/XX/XXXXe for {$7200.00} from my credit report because it did not belong to me XXXX times in the past year, and I have not received an update. I decided to call the collection agency on XX/XX/XXXX and ask them directly to remove the account. They confirmed that the account was opened back in XXXX for XXXX XXXX for my sister. I informed them that my sister lives with my father and is on his insurance. I was not present on the date in question when she required XX/XX/XXXX, but Wakefield and Associates say they received my name and social security number from them when they acquired the account. I tried explaining this and asking for the information, and they said they had to send it to the address they had on file, which is not mine. This account was only added to my account recently. This wasn't on my account until last year I believe. The person I spoke with at Wakefield and Associates was XXXX, a supervisor. I also informed them that I was contacting the CFPB about this.
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

There was a debt of {$330.00} that I paid to Credence Resource Management. Before paying the debt in XXXX, I asked if they would be able to deleted or send a request to delete to the Credit Bureau and they told me that they would. The balance is {$0.00}, however, it is still on my credit.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (KY)

I am in trying to utilize my Veteran Home Loan, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the XXXX for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit XXXX keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent XXXX hours on the phone this morning going back and forth with different companies and not one company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my wife and XXXX kids.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$1300.00} allegedly owed to XXXX XXXX. The following account CREDENCE RESOURCE MANA ( Account Number : XXXX Original Creditor : XXXX Date Opened : XX/XX/year>. XXXX {$1300.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX  and I do not have any contract with CREDENCE RESOURCE MANA. 
This account is fraudulent and does not belong to me, I have attached an FTC report along with this document and a copy of my ID. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . A formal apology from CREDENCE RESOURCE MANA for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. ( Please see attachments )
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX  XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed.

I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. 

Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. 

XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THESE ACCOUNTS IMMEDIATLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXXXXXXBalance XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the XXXX Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( Equifax, XXXX, and XXXX ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me severe XXXX and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On Monday XX/XX/XXXX at XXXX XXXX XXXX. I receive a stall letter from Experian. So I did not have time to contact them because it was too late at night. ON Tuesday XX/XX/year> at XXXX XXXXXXXX XXXX I called Experian, talked to XXXX and asked why I received a stall letter on information, I personally sent myself from my place of residence. 

He tried to say that I had a third party disputing on my behalf with their logo. I said '' That's interesting because I am the one who sent you the dispute on the XXXX of XXXX. '' Items on my report is still not reporting 100 % accurately and completely and they are trying to stall, providing the information I requested by XX/XX/XXXX. He also said that Experian does not allow recording '' I said that I do not record, but I do keep great notes and timelines. '' I also told them, that I needed the requested information provided within 15 days, with physical documentation of how the investigation was completed. If they are not able to do it. I would like for them to, simply delete it.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting 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)

I am writing to request that the following inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>