davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Onity Group Inc. (MD)

Attempting to sell and get a first time equity loan has been already been obtained by USDA subsidiary recipients fraudulently, tenants claiming state health insurance using my home address and registered businesses, forgery lender XXXX XXXX XXXX XXXX equity loans allowed by XXXX XXXX XXXX  without owner permission use of identity theft forgery impersonation tenants XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2024-04-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmWest Funding Corp. (NV)

Last May, my wife and I, like many Americans, found our credit card debt had grown to an alarming amount. We own a property in the XXXX area, and we looked around for a way to tap into the equity, and contacted a few companies ( XXXXXXXX XXXX XXXX, but found the qualification process very tedious, and not very straightforward ( submitting the same documants over and over, etc ). I am XXXX, on a fixed income, by the way. So my XXXX XXXX  contacted a local broker at Family Mortgage ( NMLS # XXXX ) here in XXXX XXXX XXXX where we moved in XXXX of XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. The brokers ' contact is XXXX XXXX, NMLS XXXX, ( XXXX ) XXXX, XXXX. She was able to create the refi, isuing a Business Purpose Closing Disclosure on XX/XX/XXXX, with a closing date of XX/XX/XXXX, and disbursement date of XX/XX/XXXX. The loan amount was {$400000.00}, loan ID # XXXX. The Closing Disclosure indicated this loan amount, along with an interest rate of 8.75 %, and projected payment calculations of {$3500.00}, estimating taxes and insurance to be XXXX  XXXX, and closing costs of XXXX  XXXX weeks later, we got a letter from Amwest Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca., XXXX, congratulating us on our new mortgage. The new mortgage amount : {$430000.00} New monthly payment : {$4300.00} New interest rate : 9 %. I was traveling at the time, so my wife was helping this process along. My question is, how did the monthly payment go from {$3500.00} ( affordable, just ) to {$4300.00} ( even if they gave us a little more in cash )? And now, despite the taxes AND insurance going down, the current monthly payment is {$4500.00}! We are struggling to make this payment, and I don't understand how it could go up so much in XXXX weeks time!
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One BJ 's general purpose Mastercard. It can be used at BJs for " points, '' and anywhere MC is accepted. 

On XXXX I received a notice of a " pending '' charge from BJ 's in the amount of {$60.00}. I called customer service and inquired, as I did not initiate that charge. Customer service informed me that I would need to wait 24 hours in order for them to " view '' the charge. 

I waited until XXXX to call again, as the charge is still listed as " pending '' ( but still holding that amount on my card ). I was told by the customer service agent ( XXXX ) that it was a " restrictive hold '' in regard to an order placed in the BJ 's App on XX/XX/year>. 

When placing an order in the app, they will typically " hold '' a percentage of the Order as a restocking fee, should the order not be picked up. I understand that. However, the order was paid for, and picked up on XX/XX/year>. No further online/app orders have been placed. 

I was told that they could not remove the " pending '' charge and thereby release the funds being held on my card that can not be used, until they investigate. I was told that I would receive an email with my case number ; which I have not. I was also told that it could take three business days, or longer to resolve. 

I am not understanding why a hold was placed on my account from a transaction that was completed 13 days earlier. 

As the charge is still " pending '' today, Capital One is not able to remove it. 

Assistance in this matter would be greatly appreciated. 

Thank you.
Consumer complaint received 2024-05-03
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-12-10
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX FI XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lockhart, Morris & Montgomery Inc. (OH)

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue!

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

1 ) Lockhart, Morris, & Mont XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NY)

I was given a check, they put a hold on my only. i cant assess any of my funds, I cant pay my rent, I cant do the basics of life because I cant pay for anything, this all started about XXXX weeks ago. I've been told time and time again to just wait a few more days. when I asked if an investigator had even looked at my account I was told they hadnt.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
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. (IL)

consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

We were finishing payment of an auto loan and were not informed that there was additional money due from delayed payment relief related to XXXX. Because we were not aware, we are showing late on additional interest. We never received any mail, e-mail or phone call that there was an issue. We feel that this is in no way our fault, after paying a loan on XXXX  and in full over 5 years.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

It has been 10 years since my bankruptcy and I wanted to have it removed from my credit report. I was successful with XXXX as they did remove it but XXXX and Equifax are playing XXXX and pretending it is not their job to update those records. They claim they go through a third party for that information but both refused to give me that third partys information. I found out online who Equifax uses and their customer service said that it really is up to the credit agencies to update what they report and not report. 

I just need some help getting this removed, I have been patient and the fact that one agency decided to remove it shows that my request has merit. 

It seems like both XXXX and Equifax and just trying to make it harder for people to rebuild their credit even 10 years after a bankruptcy.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (AL)

A collection debt was added to my credit report XX/XX/2023 in the amount of {$800.00}. i am unaware of the original company and bill. 
The creditor : CPC has not sent me any information about this debt so that it can be verified and validated. 

In a XXXX search i have attempted to call the creditor directly to understand why this incorrect debt was placed on my credit report. 

I have not received any correspondence from the creditor. Calls are unanswered. There has been no communication via phone, mail, or email.
Consumer complaint received 2024-03-20
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. (FL)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4. XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES
Consumer complaint received 2024-02-26
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. (GA)

On XX/XX/2024 I notice an incorrect public record on my Experian Credit report. XXXX XXXX XXXX, Record type Bankruptcy : XXXX Files Original Filing date is XX/XX/2024.
Consumer complaint received 2024-03-21
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. (FL)

Pursuant to 18 usc 8, I owe no debt, pursuant to 15 usc 1681 b ( 2 ) your agency also has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent also your agency has no permission to report anything using my info pursuant to 15 usc 1681 ( 4 ) However your agency only go off the word of creditors & third party agencies which is another violation pursuant to 15 usc 1681 A ( E ) the following companies NEED TO IMMEDIATELY BE REMOVED FROM MY CONSUMER REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XXXX. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (MA)

I have contacted the creditor and they have failed to provide me with any validation and verification. Please see info below sent to consumer reporting agency since the creditor did not respond within 30 days Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove collections from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted.

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MO)

I have an account with Affrim. The account was opened using my phone number and email. I never closed the account neither did Affirm. I carried a balance for a long time that I paid off. Affirm, in the same account using the same app and information, at XXXX time, gave me credit again allowing me to finance purchases through them. My available credit was increased during the holiday months. On my credit report, Affirm is reporting XXXX different accounts, XXXX paid and closed and late payments and another showing paid on time. I NEVER had more than XXXX account with Affirm. My XXXX XXXX is better now than it was in XXXX and XXXX and they allowed me credit up to {$2000.00} during the holidays and now are saying I am ineligible because of my XXXX score but my XXXX score was not an issue during the holidays when they increased my available credit without me asking for an increase.
Consumer complaint received 2024-05-03
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. (CA)

I found inaccurate information in my TRANSUNION credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results.

The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-03
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. (MA)

According to USC 15 1681b you must accurately report on my credit report at all times. 

This fraudulent account was allegedly charged off on the following date. Since then, this fraudulent account has repeatedly been updated as charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This is not only fraudulent but also inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX : Account number : XXXX XXXX : XXXX XXXX : Account number : XXXX TRANSUNION : XXXX XXXX : Account number : XXXX
Consumer complaint received 2024-07-25
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 need to process disputes on my credit report for all inaccurate an incorrect accounts reporting to my credit. none of these accounts belong to me. this does not follow the FCRA rules. please review an remove the listed items that are reporting to my credit report asap. I am a victim of identity theft.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with " The Fair Credit Reporting Act XXXX XXXX, Capital One Bank on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-05-03
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. (CA)

I noticed some incomplete and inaccurate information on my credit report. 

By federal law, under Section 609 ( a ) ( 1 ) ( A ), they are required to verify any accounts you post on a credit report by physically verifying the original signed contract. A fraudulent account could be faxed, mailed, or emailed in by anyone paying for their reporting services. 

Please provide me with verifiable proof ( i.e., an original consumer contract with my signature ) for the following account or they shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX In addition, I found an inquiry that was being reported that I did not authorize. Under 15 U.S. Code 1681e ( b ) accuracy of a report, whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I am requesting that this inquiry is immediately removed. I have attached a screenshot for your convenience : XXXX  XX/XX/2022