davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (ME)

On XXXX XXXX XXXX  my boyfriends truck was broken into ( aprox XXXX ). Personal information and bank account information was stolen. On XXXX XXXX XXXX  ( aprox XXXX ) I went to TD Bank located in XXXX to take the appropriate steps of closing an account. When speaking to an employee, I was asked how long I had resided in XXXX I informed him I have never lived in XXXX He indicated that my bank account was showing a XXXX address that had been changed on XXXX XXXX XXXX. I never received a phone call or email alert authorizing this change. When asked for further information on how my address was changed, TD Bank indicated that they could not see who changed this address, the time, or how, only the date. I later spoke to another employee on the same day. This employee indicated that if the address was changed using a different system, that she couldn't see the information. I asked for a printed copy of her screen - showing my bank account information with an address changed to XXXX. This employee informed me that was not allowed. 

After speaking further with law enforcement, they reported that they have had this issue in the past with TD Bank where they are unable to share or " see '' specific information. 

On XXXX XXXX XXXX I called the TD Support line as I received two letters indicating an address change. When speaking with the employee, she first stated she could not see any address changes in my account. When I informed her that my attorney was requesting this information, she then was able to see the XXXX  address listed as a prior address on XX/XX/XXXX. However, she could not see any information on how this information was updated or who authorized the change. 

No other support from TD Bank has been provided to resolve this issue. 

My concern is that an address was changed to a secured financial account and there is no history of who authorized this or how it was changed.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

The XXXX of XXXX i sent money to pay my MORTGAGE I sent XXXX payments in different transactions anyways WESTERN UNION decided to declare that we're suspicious and after XXXX days they haven't sent or return the money and I got an eviction alert if I don't pay!!! 

XXXX XXXX XXXX case number
Consumer complaint received 2024-10-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc. (NY)

Nationstar Mortgage/ Mr Cooper has not addressed that the instrument that they have is forged. In addition to not addressing the forgery. The attempt to collect on this alleged debt causes many issues with integrity. It has been requested that Nationstar/Mr.Cooper provide a Certificate of Authenticity of the note and that the record does not have allongements in the form of blank endorsements. 

Then sends a notice that has been verified by the Department of Veteran Affiars to be a false notice. This notice was given via their internal communications system on mrcooper.com. The company has removed me from their internal communication system for making complaint with the CFPB this is seen as retaliation against a customer. 

This account is closed NYS UCC XXXX
Consumer complaint received 2023-03-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

XXXX XXXX XXXX denied my many, passionate attempts for a Loan Modification, resulting in a Foreclosure. While no money settlement, at this time, would seem to make up for the loss in household goods, and the actual house... seeking XXXX in damages seems like a logical course. This was our first Mortgage experience, and never did I expect such shady tactics to achieve their end goal - Short Sale or Foreclosure. I have photo evidence of people unlawfully entering the house, while we were out of town - to prepare the house for resale. Time was essential, and this Bank did not care in the least of my pleas for more time. XX/XX/2015 was when this occurred, as far as the house be resold. XXXX through XX/XX/2015 was when the un-authorized entry and access to the house took place. I only managed to get one truck load of our stuff out before the house went to be re-sold. No notice of where many of my and my Spouse 's sentimental items were taken, but they were taken for certain. My High School ring was left, and has my name and social security number engraved in it. I would indicate that their acquisition of our things was tantamount to theft.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C.Tech Collections, Inc. (NJ)

I have these  XXXX   Reports b y  XXXX   Collection Agencie s whose address are :  1.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX    2 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX   I contacted them today that these bills are supposed to be paid by my   XXXX   XXXX    :    XXXX   XXXX   XXXX   XXXX   XXXX   but seems to me that they wo n't consider it. They are attacking me by using a Credit Report thus would give a handicap for me in borrowing or just an approval for medical needs. It is so very alarming that I am going to be  XXXX  this  XXXX  therefore have to get by with  XXXX .
Consumer complaint received 2017-05-05
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. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under  the Fair Credit Reporting Act,  15 U.S.C. 1681g I have the right to demand that you disclose to me all of the docume nts that you have recorded and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parties you  are damaging my reputation and credit worthiness.Under the FCRA  15 U.S.C. 1681i, all unv erified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2017-05-05
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)

Bank of America continues to charge overdraft fees to my checking account for charges that have not posted to my account, most recently on  X/X/17   . Only when I spend  30  minutes on the phone to point out to a customer service rep and supervisor this unfair practice will they correct it.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Please see the attached  XXXX   XXXX   XXXX  for details of the homeowner 's grievances regarding   Ocwen Loan Servicing.
In brief, Ocwen Loan Servicing made a modification agreement with the homeowne  r in  XXXX , which she paid into faithfully for several years. However, although Ocwen accepted the payments, Ocwen did not honor the loan modification. In  XXXX   Ocwen  rejected payment. In  XXXX  Ocwen commenced a foreclosure action in which the  XXXX  modification agreement was not acknowledged. Ocwen has since agreed that the modification took place, but has not corrected the account and continues to charge interest and demand payment as though the  XXXX  agreement had not occurred.  ( See paragraph 12 of t he Plaintiff 's Opposition to  XXXX  to Dismiss. ) Ocwen has thus far been unable to provide a clear accounting of what has happened with this loan.   Later in  XXXX  the homeowner received a notice from  XXXX , through which many of the payments were made, indicating that Ocwen had rejected a large number of her payments. This was the first time she received any notice that her payments from   XXXX   through  XXXX  were being rejected. They had been accepted previously.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to XXXX, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.
Consumer complaint received 2023-03-12
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. (CA)

I was notified via email that my Experian account email address was changed. I tried to login and was told that the email was incorrect. Later that day I received multiple notifications of hard inquiries on my credit report. I froze all of my accounts but am concerned about fraud.
Consumer complaint received 2023-09-13
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-19
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
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: Experian Information Solutions Inc. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-18
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. (IL)

I am writing to file a complaint against Experian regarding their refusal to remove fraudulent accounts from my credit report. 
Experian has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within four business days after receiving : A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer.
Consumer complaint received 2019-10-22
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX**** ; XXXX XXXX** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** ; XXXX XXXX ( Original Creditor : 12 XXXX  ) XXXX** ;
Consumer complaint received 2019-10-22
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX  XXXX XXXX XXXX and XXXX   XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-22
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-10-22
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)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; I did not authorize the said inquiries, please delete.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

On XX/XX/2019 at XXXX MST AZ , I called Citi Bank to increase my credit line. They informed me I needed to remove my freeze from XXXX  before my report could be pulled. After this 8 minute call, I went online and removed the freeze. I called back at XXXX MST AZ to try again, and they still could not pull my report. They told me to wait a bit longer. I then called back at about XXXX MST AZ , and had them try again. They told me they still could not access my credit report. I asked to speak with a supervisor, who I then had try to pull my report again. I confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that there were no active freezes. After the supervisor pulled my credit, she told me she could not access it. I refreshed my credit report with XXXX, and saw that Citi Bank Best Buy Credit Card had pulled my credit. I told the supervisor this, who then told me she needed my phone number, which is why they couldn't increase my credit limit. She stated she could not take this information directly from me, and it had to come directly from the credit bureau. I told her she already had my phone number, and it was listed on my credit report as well. I was able to confirm this using the same access I saw my inquiry on. I am extremely upset with the level of service I am being provided, and believe my information is being used unfairly. My credit report was pulled, and yet they will not use it to make a decision on my credit limit increase. 

During this call, both the originating agent and the supervisor continuously called me " sir '' even though I am female. I don't know if this is their attempt at " fraud prevention, '' given my voice, but if so, it is clearly discriminatory.
Consumer complaint received 2023-09-16
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. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$41000.00}.