davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (PA)

I have submitted multiple requests to credit bureau Experian and XXXX XXXX XXXX for proof of this loan. I have sent multiple emails and made multiple calls to XXXX XXXX for information regarding this outstanding loan. I did not receive any service or product that would render this loan. I requested paperwork and a contract from the company XXXX XXXX who may have been a company that work with XXXX XXXX. They do not have anything in their file. Experian has consistently stated that they did an investigation and as of XX/XX/XXXX can not produce a contact name, actual investigation results or any information that was a part of the investigation. I have placed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All have resulted in the response that they have done an investigation but with no evidence provided to me. 

The last certified letter correspondence I sent to XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX was XX/XX/XXXX and the last email XXXX was XX/XX/XXXX. I have also made many phone attempts to get information at phone number ( XXXX ) XXXX. All attempts have resulted in failed communication. 

At this time I have exhausted all avenues to rectify this issue with my credit report and a loan that I have not authorized using my information. This has been an exhausting experience with what seems to be automated response from Experian.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

Since the inception of PHH taking over our servicing, we have had numerous erroneous accounting issues. Our figures have never been accurate. I am attaching 3 years of statements where you can see we have always made our monthly payments, but PHH says we are delinquent on paper, but when you call the CSR says you are current. I filed a XXXX  XXXX bankruptcy in XXXX due to husband losing his job due to covid. At the time of the bankruptcy we were behind on payments ( XXXX ) days. If you look at statements the amount of the pre petition arrearages changed, but how? The the post petition arrearages were paid current in XX/XX/XXXX in the amount of {$4300.00}. I specifically asked the CSR if this would make us current and she said yes. Then I receive my next statement that states I still owed over {$4300.00}. Now the current statement says {$9600.00}. I just do not understand what they are doing to us. I have asked for an accounting and I get nowhere. I just can not make sense of their figures. I have lived in my family home for 21 years and do not want to lose it! I have a severe XXXX XXXX and I am XXXX, I do not need this stress from them. Please any help is very much appreciated.
Consumer complaint received 2023-09-13
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. (NY)

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Consumer complaint received 2024-04-26
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

XX/XX/23 XXXX I deposited a check through Chime Bank Mobile Deposit feature. Before XXXX EST the check cleared with them. It was shown that my full check amount wouldnt be available until XX/XX/23. Which is over the 5 business days limit the mobile app states. Itll be 6 business days in total. I have called them multiple times on XXXX and was told by multiple Customer Service Reps that the initial day of depositing through the mobile app doesnt count. Even though their website says other wise. At this point in time chime bank is holding my funds XXXX.
Consumer complaint received 2019-07-03
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital one after the company issue anew card # for the same existing account is been reporting to all 3 major credits bureaus for the last two months out the cycle of the statement for the credit card account. I dispute the account last month with capital one and told me is going to fix the problem and did not!!!!!!
Consumer complaint received 2024-04-25
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. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

REMOVE AND BLOCK ALL FRAUDULENT ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Consumer complaint received 2024-04-26
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. (MO)

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 informationisinaccurate
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CA)

Since I have applied for a Home Loan Modification Request with Wells Fargo Bank last year XX/XX/XXXX, I have had nothing but Series of Delaying Tactics from Wells Fargo Bank and Administration to process this request. I have submitted all the documents required each time as requested only to find out they are never satisfied and they keep requesting for more new documents each time for almost 1 year! The latest request was dated XX/XX/XXXX and XX/XX/XXXX. All documents requested have been submitted to Wells Fargo Bank and Administration. They threaten to remove my Home Loan File from the " Modification Attempt '' by XX/XX/XXXX and Foreclose our Home with my XXXX son. 
Wells Fargo Bank continues to be unreasonable and intimidating consumers like myself. 
I have sent several requests respectfully for your kind assistance to help me and my family with this extremely long modification process to please process as soon as possible. I feel that my family and I are being discriminated and retaliated upon because of our National Origin as Filipinos. Wells Fargo Bank and Administration is going to Foreclose my home like it happened to me in XXXX  as with several homeowners in California and the USA. Sadly this big institution continues to hurt consumers like myself who are simply trying to keep our home affordable. 
Wells Fargo Bank and Administration are retaliating because I have filed many Federal Government Complaints since XXXX. 
I will have no choice but contact the National and local medias like XXXX 60 Minutes or 7 on Your Side regarding this Discrimination and Retaliation. 
Did the Wells Fargo Bank and Administration and their Law Firm make XXXX XXXX XXXX, the Home Mortgage Specialist purposely send me an email ( XXXX ) threating to terminate the Home Loan Modification request? How SAD that such an injustice is being done to us. 
Recently the US Govt. announced a new Federal Program " The Homeowners Affordability and Financial Stability Plan ''
Consumer complaint received 2023-09-17
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. (CA)

According to my TransUnion credit report, I owe {$460.00} to some company called XXXX XXXX, XXXX, and that the account has been placed in collection. 

When I called XXXX, they can not find any record of me ( or anyone named XXXX XXXX ) in their system. I have never heard of XXXX. I did not open this account, nor authorize anyone to open it in my name. 

TransUnion has provided no proof that I opened this account, or that I incurred these charges.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (TX)

This account is reporting inaccurate information on my credit report which is not under FCRA compliance. I also never authorized any hospital to release my personal medical information to any third party collection agency which is a HIPAA Law violation. Please remove this account from all credit reporting agencies or I will pursue legal action.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address - XXXXXXXX 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 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 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 XXXXXXXX
Consumer complaint received 2023-09-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/2023 DEAR TRANSUNION XXXX : XXXX RE : XXXX RE : XXXX XXXX XXXXXXXX I AM NOT SURE WHY YOUR INQUIRIES DATED XXXX IS APPEARING ON MY TRANSUNION CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT, YYOU MUST ABIDE BY THE PERMISSIBLE PURPOSE PROVISION.

EITHER REMOVE THIS INQUIRY OR PROVIDE ME PROOF THAT THIS INQUIRY COMPLIES WITH THE FEDERAL LAW. 
THANK YOU FOR YOUR TIME, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OR)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXXXXXX XXXX XXXXt XXXX XXXXXXXX XXXX XXXXXXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (IL)

I have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situatio
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management contacted my wife last XX/XX/XXXX, stating that I have changes of {$7000.00}. for a credit card open and charges were made to XXXX XXXX. I told them I had never opened a credit card or made these changes. I never heard from them until XX/XX/XXXX, when papers were served for me to go to court on XX/XX/XXXX. This is not fair ; it is not me. someone stole my identity. This has affected my credit score. I pay all my bills as displayed by my credit report. I called Midland today, and they put it in dispute. from our conversation, they were sending correspondence to the incorrect address at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, which the gentleman told me on the phone. This is not my address, and I never went there, I don't know anyone there. Today he will mail information for me to follow on what steps to take in the mail, he stated. I am waiting to take steps. In the meantime, I have to go to court on XX/XX/XXXX for something I didn't to. Please help me by taking any steps you can to resolve this matter. 
Thank you XXXX XXXX
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I completed a modification application late XX/XX/XXXX with the assistance of XXXX. On XX/XX/XXXX Wells Fargo requested several documents, 12 documents which I provided to them onXX/XX/XXXX and XX/XX/XXXXin their entirety and before the sale date of XX/XX/XXXX. Wells Fargo representative called me at XX/XX/XXXX stating that I would not be considered for modification and that they could not move forward with a review even though I provided them with everything they asked for. 

Office of XXXX complaints representative XXXX called me on XX/XX/XXXX and indicated that even though they had received the documents requested they would not be able to review the documents and consider me for mortgage assistance due to the proximity of the sale date and the history on the loan meaning how many attempts I made to modify. 

On XX/XX/XXXX XXXX called XXXX to tell them it was due to a lack in change of circumstances as to why my file would not be considered for re-entry into modification and none of the reasons that they gave were valid. 
!. I have moved back into the property. A very serious change in circumstances. 
2. My overall household income has gone up as I have been able to include my contributors income by prove co-habitation and shown that myself and the contributor have regained possession of the property which were previously being held up by tenants or some people a friend recommended as roommates but took over the home. 
3. My contributors income has also gone up since the previous application. to XXXX plus the XXXX XXXX of $ XXXX net average and my income of $ XXXX 4. I am including XXXX XXXX income now that we have regained possession of the property. 
( after meeting with my accountant I had to cut a few of my business expenses down but it is all reflected in the profit and loss statements attached. )