davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Spoke to a gentleman regarding payment options he said I couldn't have that option it had to be paid in full. I explained I am a single mother and he told me to get a husband to pay my bills and hung up. I spoke to the manager regarding his staff he stuck up for his staff my phone was on speaker and my daughter heard both conversations. He had the audacity to tell me I should not have my phone on speaker. I told him it wasn't right for neither him or his staff to speak to me in that manner. Threats of suing, increasing the debt, and decreasing my credit score. I told him I want to the pay bill but in a realistic payment amount.
Consumer complaint received 2023-09-25
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. (SC)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
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. (KY)

This is my 13th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have  Ocwen as m y mortgage company, they are not applying my mortgage payments and keep mailing them back. They paid my taxes and I do not have them escrowed. they keep telling me I am 105 days late on my mortgage when I pay every month. I have been a nervous wreck over this in fear that they will start a foreclosure on my home. I can not attach any letters or correspondence that have been going back and forth, because there is a file folder very very thick. I kept everything. this has been going on for the past couple of years. I need help!!! I call them on a consistent basis and get nowhere.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

I was selling my house, the closing date was XXXX XXXX. My title company requested the payoff statement from the mortgage company. The mortgage company sent the payoff statement but their figures included interest charged until XXXX XXXX ( I am not sure if this is a standard procedure to collect more interest in advance? ). 
The mortgage was paid off on XXXX XXXX. I received my escrows back but not the overcharged interest. 
I tried calling the mortgage/servicing company several times but it said every time that they were closed which I found strange. 
I then asked for assistance from the title company that i used for this transaction. They were able to get a hold of the company without issues. They asked for the breakdown on XXXX XXXX but nothing happened. 
The title company then called the servicing company again on XXXX XXXX to follow up and i was also present on the call. We were told the breakdown has been requested and i should receive it within 14 business days. Nothing happened. The title company tried to reach out again but from that point they were getting the same message - office is closed. It almost looks like the servicing company blocked mine and the title company 's phone numbers. The title company emailed them for a week but no reply at all.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Somebody run my credit for credit card application which is i did not do, the credit card is from Bank of America, I got an allert from my bank that someone run my credit, Can you help me fix that problem Thanks
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

I was alerted in XXXX by XXXX and Chase, that there was a change on my credit report. I received an email from Chase that more information was needed from me before my application would be reviewed. I thought it was a scam so I deleted it. Then I learned from XXXX, after checking my credit report that someone applied for a Chase card in my name. I contacted XXXX immediately, and they provided me the number for Chase to call. Chase fraud dept. immediately denied the application, XXXX updated all three credit sites to note fraud was suspected and to contact me directly for any reason. A few days later, the same thing happened. I contacted Chase again, the application was denied and this time I went to all three credit sites to freeze. I went to a Chase branch to pick up the necessary forms, to submit a claim to obtain the applications received. I received the forms today. 

Reference # XXXX XX/XX/XXXX : Application submitted by XXXX XXXX XXXX XXXX XXXX  Application Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Telephone ( XXXX XXXX XXXX ) - this is not my phone Cell - XXXX  - I only have a cell phone Alternate N/A Social Security Number XXXX XXXX XXXX XXXX  - this is my SSS. I checked the SSA site and I don't see any sign of damage or fraud, nor have I received anything, but I don't know how this person has my SS # Date of Birth - XX/XX/1963 Income - {$98000.00} - this is actually incorrect, I am unemployed Mother 's maiden name - XXXX - this is incorrect. XXXX is the married name email : XXXX IP address : XXXX Employer - NA Position with Employer Employed Employer Telephone NA Authorized User : NA Authorized User Date of birth NA Reference # XXXX Application submitted by Internet for Chase Freedom card on XX/XX/XXXX at XXXX XXXX  Application name : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Home phone XXXX XXXX XXXX Cell NA Alternate NA SS # XXXX Date of Birth XX/XX/XXXX  Income XXXX annually Mother 's Maiden name XXXX email address XXXX XXXX address XXXX Employer NA Position Employed NA for Employer phone, Authorized user and authorized user date of birth
Consumer complaint received 2024-04-22
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account XXXX XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account.
Consumer complaint received 2024-04-16
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All XXXX credit bureaus ( XXXX, XXXX and TransUnion ) have reported a XXXX XXXXXXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy I have observed in my credit report with your bureau. It has come to my notice that there are late payments inaccurately reported on an account, while the same issue has been successfully rectified with another credit bureau. I was the victim & Im not sure why the CRA is not complying with the law.

I recently compared my credit reports from various bureaus and was pleased to find that the late payments in question have been successfully removed or corrected by XXXX. However, to my dismay, the inaccuracies persist in your credit report, and this inconsistency is causing significant concern. 

XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand that discrepancies can occur, but it is essential that the information across all credit bureaus is accurate and up-to-date. The persistence of these inaccuracies with your bureau is both perplexing and troubling. 

I appreciate your attention to this matter and trust that, like XXXX, your bureau will also take the necessary steps to ensure the accuracy of my credit information. A consistent and accurate credit report is crucial for maintaining financial integrity, and I believe prompt action on your part will resolve this issue satisfactorily.
Consumer complaint received 2024-04-16
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC (IL)

I'm looking over the document and that's not my signature I don't know what scam was done but I don't like it and this is a lesson learned too never do business with crooked bank like this in my life I know something wasn't right but couldn't put my finger on it
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (CA)

I applied for the disaster forebearance plan for the event of the beginning of this year. I was enrolled in the forebearnace program on XXXX of XXXX, my forebearance plan expires on XX/XX/XXXX of XXXX. I recieved a call from the lender XX/XX/XXXX about completing a loss mitigation packet and moving forward and stated that I was on COVID forebearance and I asked to verify and it was a disaster forebearance. I believe that it was coded to COVID forebearance instead of disaster forebearance on the lender 's end. The representative over the phone told me that I may want to complete the process as soon as possible that my escrow was currently negative and I have interest that is currently incurring. I don't know if this is true or not but I do know based on forebearance plan that this is unfair and especially if this was indicated a XXXX XXXX loan based on what the lender explained to me. Next, lender told me that it's a problem for the approval team to put the 7 months in deferral if i don't cover XXXX and XXXX monthly mortgage. However, the odds of it approving higher if I just defer 6 months of mortgage. This makes no sense since I am eligible for 12 months of forebearnace. Attached are the disaster payment deferal I found on the XXXX XXXX.
Consumer complaint received 2024-04-16
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 disputed these unauthorized with the creditors and consumer reporting agencies these transactions are unauthorize inquiries. 

Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. But 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
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX write electronic check for credit card XXXX XXXX - accidently write second electronic check for same dollar amount credit card XXXX XXXX - contact Wells Fargo to alert them to the issue requesting they cancel the second payment as it will severely overdraw my account. I file a claim. 
XXXX XXXX - alert the XXXX company XXXX that an accidental double payment was made. I let them know I did not have money in the account to cover the second payment. They said they had not yet received the double payment yet. They request that I fax a voided check and a bank statement to them verifying the information. I did this. 
XXXX XXXX Check with Wells Fargo again. They tell me the reason they cant undo this is because they are using a third party to disperse electronic payments, but that I should just wait and since there is no money in the account to cover the second check, the check will bounce. It did not and the account now has a negative {$1000.00} and the savings account has been emptied. 
XXXX XXXX - since it is the holidays and I am on a fixed income, I call WF numerous times and am passed around to at least a dozen different people, offices, countries, with no results. 

This is a Wells Fargo issue. They give no option to resolve accidental double payments. Their customer service is a big mixed bag, mostly not good.
Consumer complaint received 2023-12-05
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. (DC)

Dear Experian : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way.

These items are reported inaccurately : 1. Misleading false reporting. This account is negligently and inaccurately reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail.
Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX & CFPB.

I await your response. 
Sincerely, XXXX XXXX