davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (DC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NY)

This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York XXXX prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX XXXX stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Today I tried to retrieve my free annual credit report from Equifax via XXXX, the authorized site for this purpose under federal law. Equifax 's system refused to provide me access to my credit report after I had provided my identity information, as Equifax is required to do by law. Equifax, in fact, regularly prevents me from accessing my cfredit report in this fashion. Often when I try to obtain my free annual credit report from Equifax via XXXX, I have to send Equifax snail mail and/or file regulatory complaints to obtain my report, despite Equifax 's obligation under federal law to have a WORKING system on annualcreditreport.com. 

Equifax needs to fix their part of the XXXX web site. Equifax needs to provide me with the free copy of my credit report that I am entitled to. The CFPB must fine and sanction Equifax for Equifax 's pattern and practice of breaking the law.
Consumer complaint received 2024-03-13
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. (CA)

A vehicle was leased through XXXX XXXX through XXXX XXXX with my identity. 
The vehicle was an XXXX XXXX XXXX Leased in XXXX XXXX The car was repossessed in XXXX Other names on the account were XXXX XXXX, and XXXX XXXX XXXX as my father ) I have no knowledge of any of these individuals. I was told by a representative at XXXXXXXX XXXX to fill out this form. This information was provided through XXXX XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OR)

Dear CFPB, As you know you are no stranger to the deceptive tactics of Midland Credit Management. On XX/XX/2021, we received a notice that our account was in their " Pre-Legal Department '' and we were at risk of being sued. 

Midland Credit Management has no right to this debt and can not prove that we owe this debt. In their letter, they failed to provide the proper disclosures and I'm disgusted how many consumers they are ripping off with this type of bullying. 

The only way to " stop the legal process '' to pay an amount we DO NOT owe. 

I demand Midland Credit to provide proof that I owe this debt and if they can not do so, they must stop contacting us. We're prepared to fight back with our attorney if they will not leave us alone. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/year> I received a phone call from ( XXXX ) XXXX the guy said he was from Wellsfargo then my phone froze up I had to reboot my phone when he came back up I had messages from Wellsgpfargo stating I had initiated a wire transfer for {$10000.00} and and another for {$4500.00}. I called the bank immediately to try and stop the transaction I thought I had submitted a fraud claim and a stop payment t since the money had not left my account yet. I called Wellsfargo on XX/XX/year> to let them know that someone saying they were from Wellsfargo was texting me and calling me saying they was them. I was told to not respond and to send the text message to their fraud department.. On XX/XX/year> XXXX I called Wellsfargo to check on my claim status and found out a claim was not submitted correctly and had to resubmit a new claim. I called backed on XX/XX/year> and I was told my claim was denied because they could not retrieve my money. The reason they can't retrieve the money because they waited weeks to try to retrieve my funds because they did not submit the claim on XX/XX/year> promptly.
Consumer complaint received 2023-10-12
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA you are expected to delete these items. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc. (NY)

Date XXXX Comenity bank sent me a letter stating I applied for an XXXX XXXX account I never applied for such an account I called comenity bank who did no help me locate the letter they sent me I need help so no further accounts are attempted
Consumer complaint received 2023-10-12
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. (DC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-02
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: RoundPoint Mortgage Servicing LLC (SC)

Roundpoint Mortgage purchased my loan while it was in a delinquent status. I was unable to make payments while the transfer process proceeded, resulting in me falling further behind in my mortgage. I finally contacted them and began a loan modification process. I made my payments as requested throughout the trial period and after while I was waiting for my modification papers to arrive. 

My modification papers arrived, requiring I have them notarized. Since I work XXXX  during business hours, I was having trouble getting them notarized. I contacted Roundpoint and made a payment that was to be debited XX/XX/2023 from my account. At the time, I did mention that I was working on getting the papers notarized. 

On XX/XX/2023 I called Roundpoint to make another payment, and was told they were not able to take the payment because my loan modification was rejected because it was not received in a timely manner. They were only able to accept all of the amounts in arrears. 

I received a Notice of Default and Intent to Accelerate dated XX/XX/2023. 

Throughout this process, I have been frustrated by the lack of information and inability of Roundpoint Mortgage to give me exact amounts owed. The website shows I owe roughly $ XXXX, but they cite $ XXXX in the mortgage modification. They have credited payments in excess of payments I actually made, and the last time I checked my account online, they have reversed those payments without crediting accurate payments. 

Today, XX/XX/2023, I received a completed loan modification packet. According to the loan modification dated XX/XX/2023, I should be considered current, but there is no mention of the payment they refused to take on the XX/XX/XXXX. 

My online account still reflects that my loan is in default, and states that my loan balance is approximately $ XXXX. 

By refusing to take my payment on XX/XX/XXXX, I was not allowed to continue making payments. I understood at that time I was no longer in compliance with the loan modification agreement, and I was not surprised when I received the letter stating their intent to foreclose. Now that they have sent the papers back executing the loan modification, I am more confused than ever. 

I have decided the only way to protect my home is to declare XXXX  XXXX bankruptcy because I don't trust Roundpoint at all. It should not be this difficult to understand my account. I should be able to see an accurate accounting of the amounts owed, the payments made, as well as understanding whether I am current or in default. I do not want to lose my home, and it feels as if Roundpoint is being purposefully confusing and vague. 

I would like this lender to be examined, and if they are placing obstacles in the way of customers paying their debts and keeping their homes, please require them to act fairly and responsibly.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've tried resolving this issue, but no response. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. I have made multiple phone calls prior to this, but the issue still has not been resolved
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2900.00}
Consumer complaint received 2024-03-13
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. (KS)

I had to file bankruptcy in 2016. Since that time I have never missed a payment, my debt to income is good, everything is squared away. My score DROPPED XXXX points with the removal of the bankruptcy. Also its complete GARBAGE that my score isnt over XXXX. I have LITERALLY kept everything in good standing for SEVEN YEARS! What does it take to get a score increase from you people???? Divine INTERVENTION! Your system ruins peoples lives and treat us all like we are just a number. I feel like Ive been punished for doing well. You people are XXXX
Consumer complaint received 2023-10-12
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. (CO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2023-10-12
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. (IL)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 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 XXXX XXXX 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 2023-10-12
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. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 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 XXXX XXXX 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 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On or around XX/XX/XXXX, I took out a first mortgage loan from Washington Mutual ( WAMU ) to pay off then existing first mortgage from XX/XX/XXXXXXXX XXXX. On or around XX/XX/XXXX, I received an unsolicited offer from Washington Mutual stating that I was eligible for a {$250.00}, 000 Home Equity Line of Credit ( HELOC ) and that the interest rate on the HELOC would be Prime Rate less 0.250 % for ( already ) having fist mortgage with WAMU and with an additional discount of 0.250 % for maintaining a minimum balance of {$50000.00} in the HELOC account. On or around XX/XX/XXXX, I entered into a written agreement with WAMU on the above basis for HELOC. Within days of signing the HELOC agreement, my HELOC balance was over {$80000.00}. Which, per the signed HELOC agreement, entitled me to 0.500 % discount below the Prime Rate ( 0.250 % for First Mortgage relationship plus 0.250 % for over {$50000.00} balance in the HELOC account ) Payments to my First Mortgage and HELOC were automatically and electronically withdrawn from my checking account each month by WAMU. 
During XXXX, when I was looking to refinance my first mortgage and HELOC, I noticed that my HELOC interest discount was only 0.250 % and not 0.500 % as per our agreement. Upon checking my past records and assistance from Chase XXXX XXXX CA office, it was discovered that within few months of signing HELOC agreement WAMU had reduced the interest discount to 0.250 %. When I asked Chase Bank, the inheritor of my mortgages from WAMU, why was the interest discount reduced? They told me that the reduction was done because of change in first mortgage. When I asked that why and who made the changes to the first mortgage ( I did not ) I was told Chase do not have any records of it because it was more than seven years ago. When I asserted that the loans were not paid off until about XX/XX/XXXX ( little over a year ago ) and that, strangely enough, Chase has kept and furnished me with monthly statements going back to XX/XX/XXXX, why can't Chase give the details of the change. I was told that that's all Chase can do and that I should contact CFPB. 
This is a classic bait-and-switch tactic by WAMU and blatant and perhaps intentional violation of a written agreement. Now Chase is conveniently hiding behind " Don't have the Records '' explanation.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

Back on XXXX XXXX, XXXX I contacted Comenity Bank about the 2 finance charges they had on my transaction sheet where I pay my bill. It listed two finance charges. When I asked them to explain themselves, they beat around the bush and did not directly answer me. I told them I wanted a full explanation and here is what they said : Although your interest rate did not change, other terms in the account have changed. To align purchases with the new terms, all purchases prior to XX/XX/XXXX will calculate a separate finance charge from any purchases after XX/XX/XXXX. When I inquired what the " new terms '' were they did not answer me. I told them I wanted a printed copy of the terms as well and still nothing. When I said if they did not explain things to me I would contact the Consumer Finance and let you know what was happening.

Comenity discontinued my card back in XXXX without a full explanation and I have not made a purchase with that card for nearly 3 years! The thing that has happened now is they went in and altered the transaction information and took off all the 2nd finance charges that were showing! I would like a credit for all those charges I was wrongly charged and a written explanation of what those " change in terms '' were exactly. I also found out they are doing the same thing to my Blair credit card account too!!! Two finance charges on them. Please make them stop and give my credit and written explanation. No other company is doing this. I do not have the card any longer so I can only provide the last 4 numbers of the account from my statement. Also, the ID number from my last contact with XXXX XXXX is XXXX.