davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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: Source Receivables Management LLC (FL)

Back in XXXX or XXXX of 2022  I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, SOURCE RECEIVEABLE MANAGEMENT, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from XXXX, XXXX, and XXXX and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I have used XXXX once using a PC to transfer funds to my son. 
I have never used my cell phone for financial transctions, only my PC. 
On XX/XX/2024 there was a financial transaction for {$4900.00} that appeared on my checking account. XXXX was used for this transaction to XXXX XXXX, a person I do not know. The {$5000.00} transaction was credited back to my account. 
On XX/XX/2024 there was another financial transaction for {$2100.00} appearing on my Chase statement. Again, XXXX was used for this transaction to XXXX XXXX XXXX, a person I do not know. As of this posting, this situation has not been resolved.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (SC)

In XXXX of XX/XX/XXXXwe decided to build a house in XXXX XXXX, SC. and we put a {$75000.00} mtg on it with The XXXX XXXX XXXX After a year had passed I decided to put a LOC on the house and we did, with XXXX, a {$100000.00} amount. Years went by and we made our payments. In XXXX of XX/XX/XXXXan individual stole 20 checks from my Business ckbk forged and negotiated them. For the first 9 there was money in my ckbk and they cleared but the final 11 bounced and I was held responsible. I served 11 mos incarcerated from XXXX to XXXX. 

During that time period there were no payments made as both my S/S and VA cks were stopped and my wife could not make the pyts on her $ XXXXmo S/S ck. When I was released I immediately called both Banks to attempt to negotiate a pyt program to deal with the non pyts. XXXX XXXX was very ameniable, Nationstar was not. As you can see from the monthly statements, XXXX 's past due amount was {$2100.00} and Nationstar 's was {$17000.00}. I tried without success to find out what caused the disparity, but they would not tell me. Nationstar said they notified me XXXX XXXX ( I never received it ) that they had declined my Modification request because of eligibility requirements : they could not reduce our monthly payment by 10 %. I told them I did n't need to reduce my monthly payment- I wanted them to put my Past Due amount into the Principle amount and change the term. 
They said they could not. I then asked them for a copy of XXXX XXXX 's eligibility requirements and they refused. 

My monthly P & I pymts are : Nationstar- {$400.00} & XXXX 's {$270.00}. That 's a total of {$680.00}. Over the the 12 years we have never escrowed any Taxes, Ins or HOA fees, we have paid them. 

My house has appraised between {$330000.00} and {$350000.00}, leaving an equity of approximately {$150000.00}. At the moment my monthly income is {$3600.00} ( {$43000.00} ) from the S/S, VA and a small pension ( proof attached ). We have a small amount of consumer debt and a car payment. I have attached a filled in XXXX XXXX XXXX form XXXX that was sent to Nationstar XX/XX/XXXX My wife ( of XXXX yrs ) has XXXX XXXX in a XXXX, and recently had a XXXX XXXX and I have no interest in moving. We would just like Nationstar or " XXXX XXXX '' to help us create a program that we can live with for the remainder of our lives. Anything that you need as additional info I will quickly provide. 

Thank you for your assistance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against the credit agenciesEquifax, XXXX, and XXXX their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as well as against XXXX XXXX XXXX for their fraudulent and unlawful debt reporting practices. Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/year>, I sent a demand for validation to XXXX XXXX XXXX regarding a reported debt they claimed I owe. Despite this, on XX/XX/year>, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 

Furthermore, XXXX XXXX XXXX has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is six years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. I reported these issues to the credit agency by phone yet they did not send back any updates correcting the issues. 

As a direct result of the fraudulent reporting by XXXX XXXX XXXX and the negligent oversight by Equifax, XXXX, and XXXX, I have been unjustly denied access to credit opportunities for the past three years. This includes the inability to secure financing for purchasing a XXXX XXXX XXXX XXXX causing significant XXXX XXXX and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of XXXX XXXX XXXX and the credit agencies. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections and the credit reporting agencies. 

Additionally, I request that Equifax, XXXX, and XXXX immediately update and remove all reporting efforts for XXXX XXXX XXXX and XXXX from my credit reports to rectify the inaccuracies and prevent further harm to my financial standing. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to rectify the violations committed by XXXX XXXX XXXX and hold Equifax, XXXX, and XXXX accountable for their failure to ensure the accuracy and fairness of consumer credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have disputed these accounts previously and have not received dispute results or methods of verification. My consumer rights have been violated multiple times for years now. There aren't remarks on my report that indicate XXXX of the accounts had been disputed. I have received results of my dispute nor have I received the method of verification. It has been well over XXXX  days since I originally disputed these accounts.
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (TX)

I did not authorize nor applied credit for 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
Consumer complaint received 2024-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

During Covid in XXXX, I opted for the Forbearance the government was offering provided by my lender, who was XXXX at the time, who is currently Flagstar. I was told that I could opt to repay the loan when I sold my home and at that time the monies owed would be taken. It was my understanding that I would be paying a low amount on the loan, as I already have a mortgage with the company. It was also my understanding that this was offered to help the American People during this time. The total I owed due to the forbearance {$14000.00}. I received a bill in XXXX of XXXX and it said I owed {$26000.00} and it is 386 days past due and you could lose your home. I called Flagstar and no one knew anything about it. I was transferred several times and told dont worry about it. For the last several months, everytime I would receive a statement they would say the same thing, dont worry about it. Today I received two letters one dated XX/XX/XXXX saying I owe {$26000.00} and one dated XX/XX/XXXX saying I owe {$26000.00}. 

Today I asked to speak to the supervisor who also couldnt find my loan even with the loan number, which I had to go to their website to retrieve. The supervisor once again said, just ignore it, its going to HUD. I said, What does that mean? He stated, Oh, they're taking it over. I told him that I want it resolved today! I want it rolled into my loan, so I can pay it off. I do not want a bunch of charges added to it including mortgage insurance, taxes and XXXX knows what else!!! The supervisor that I was speaking to has transferred me to Loss Mitigation. I have been on hold for close to 45 minutes. This is absolutely unacceptable!!! I want answers and solutions!!!!! How can I get help? This is an outrage to the American People!!!
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Exeter Finance, LLC. (FL)

Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from Exeter Financial LLC, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor XXXX  XXXX nor American from XXXX. I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (CT)

My checking account with Upgrade was closed, however, I continue to receive emails regarding an external funds transfer into account which was set up prior to account closure. Since I have no access to account, I am unable to cancel the scheduled transfers which are set up weekly, I believe.
Consumer complaint received 2024-04-30
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have a loan with Carrington Mortgage, Acct XXXX. : XXXX. I XXXX XXXX XXXX to my home due to XXXX XXXX, in XX/XX/2022. I filed XXXX with XXXX XXXX ( XXXX ) which has been paid to XXXX XXXX. I have tried to work with XXXX XXXX to release funds to pay for repairs and they are withholding funds requesting documentation that does not exist. They are holding approximately {$97000.00} in funds needed for repairs and refuse to release funds or schedule a further inspection to releasse funds. They are basically stealing my money that is needed to repair damage due to XXXX XXXX
Consumer complaint received 2023-08-30
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2024, unauthorized transactions were made from my Bank Of America debit account of {$6000.00} and {$760.00} to my XXXX account. First, i contacted Bank of America to file dispute of a fraud charges on my debit account. Then, i contacted XXXX to findout if they can refund the money back to my bank account. XXXX refused to refund because somebody place wagers associated with {$6000.00} and {$760.00} and results of the wagers were losses. I explained to XXXX that i did not authorize the wagers and i assured them there were fraud activities on my account. XXXX still refused to refund. Back the dispute charge that i filed with Bank Of America, Bank of America denied my dispute claim because " they find im responsible for the charge '' without giving me a thorough investigation of their findings.
Consumer complaint received 2024-01-10
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address a serious issue regarding inaccurate information on my credit report. If corrective actions are not taken within 10 days, I will file a complaint with the FTC against your company XXXX XXXX.
Consumer complaint received 2023-05-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I went under forbearance because my spouse lost her job because of XXXX. The agreement was to postpone payments until we were better situated. During the forbearance period, random visitors showed up at our house asking " Is this house occupied ''? We were confused as to why these people were showing up and we warned them that we will call the police if they continued to invade our privacy. They were caught peeking through our windows and taking pictures of our home as if planning something. 

We contacted Pennymac and they informed us that they used a 3rd party to investigate and they will send a complaint for harassment. We had the same lady show up again a week after this conversation. Another representative said they were moving forward with a foreclosure anticipating that I would not be able to make payments in the future. This home was purchased under a VA loan which states that companies can not foreclose without appearing in court. 

Furthermore, the forbearance was not supposed to have an impact on my credit score. Because of the alleged delinquency, I have not been able to purchase a more reasonable vehicle and my security clearance is also at risk. 

I was also assigned a " Trustee '' that is NOT a legal resident of Tennessee, which is a requirement to be listed on a DEED OF TRUST in the state of Tennessee. We have had our rights violated on multiple occasions since XX/XX/2022.