davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I requested from the three major credit bureaus XXXX, Equifax, and XXXX to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Regarding Incorrect Collection on My Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding an erroneous collection item that has been reported on my credit report and the refusal of the collection agency to delete it despite my repeated disputes. 

On [ XX/XX/XXXX ], I noticed a collection account listed on my credit report from [ Hunter Warfield ]. This account is not mine and appears to have been reported in error. To resolve this issue, I have taken the following steps : 1.I contacted [ Hunter Warfield ] on multiple occasions to dispute the account, explaining that the debt does not belong to me and requesting its removal. I provided all necessary identification and supporting documentation to prove that this account is not mine. 

2.Dispute with Credit Reporting Agencies . On [ XX/XX/XXXX ] I filed disputes with XXXX to investigate and remove the incorrect collection. Despite my efforts, the collection remains on my report, negatively affecting my credit score and financial standing.

3.I have made several follow-up attempts with both the collection agency and credit reporting agencies, but the erroneous account has not been removed. Each time, I have reiterated that this debt is not mine and requested its deletion.

The continued presence of this incorrect collection account on my credit report is causing significant financial harm, including higher interest rates and denial of credit applications. I have provided ample evidence that this debt does not belong to me, yet the collection agency has failed to act responsibly in correcting their mistake.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the removal of this erroneous collection from my credit report. The collection agencys refusal to correct this mistake is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue stress and financial hardship.

Attached to this letter are copies of all relevant correspondence, including dispute letters, responses from the collection agency and credit bureaus, and any supporting documentation proving my identity and lack of responsibility for this debt.

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of my credit report. 

Sincerely, XXXX XXXX - Copy of Dispute Letters to Collection Agency - Responses from Collection Agency - Copy of Dispute Letters to Credit Reporting Agencies- Responses from Credit Reporting Agencies- Proof of Identity - Any Additional Supporting Documentation
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rozlin Financial Group, Inc. (HI)

Rozlin Financial is reporting false debt onto my credit report. The debt has never been mine and was opened using identity theft. The original creditor ( XXXX XXXX XXXX ) has XXXX records of this supposed debt. My credit report was frozen and never accessed by XXXX XXXX XXXX. So if they extended credit they did no checking to verify identity. This must be removed ASAP as the information provided does not match any of my information ( address/phone/email ) at any point. I have filed my identity theft report.
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (FL)

Mortgage of {>= $1,000,000} issued in XX/XX/XXXX. Missed XXXX payment in XX/XX/XXXX, due to personal financial issues ( divorce ). The XX/XX/XXXX payment was the last payment ever made. XXXX Foreclosure was filed, XX/XX/XXXX, I represented myself XXXX XXXX ( which obviously was a major mistake ) but I could not ever afford an attorney. I got the XXXX foreclose card Dismiss in XX/XX/XXXX. There was basically XXXX contact from XX/XX/XXXX to XX/XX/XXXX. Additionally it was XXXX serviced by Ocwen ( its my understanding they have been successfully sued by every State Attorney General ). Later the mortgage servicing was assigned to their Subsidiary PHH. I just was informed last week by an attorney I should have filed a motion for Violations of the Fair Debt Act, Statue of Limitations and it seems to be a Zombie Mortgage. Again, I could never afford an attorney. Foreclosure was filed again, in XX/XX/XXXX and Foreclosure Judgement wax issued in XXXX, just before Covid-19. They filed in XX/XX/XXXX, for Auction and I filed bankruptcy. 

From XXXX all the way until this day, I have submitted in writing multiple settlement opitions ( 4 times, offering the full original principal up to {>= $1,000,000} to reinstate and even to have the mortgage settled for XXXX XXXX 

PHH keeps playing games with the actual value which has went up and down over nearly 17-years. My house has very unique factors since it was built under old building codes, 75 % is at flood plain and insurability is an issue. Additionally, I had damage in XXXX Hurricanes, XXXX I paid cash to repair. XXXX I finally file an insurance claim with PHH forced place insurance and they denied the claim and I now have a law suit filed. The house is barely in habitable. They are playing games to get me out vs in good faith trying to settle.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a XXXX XXXX AccountXXXX that is shown as charged off on my Transunion credit report, and I have a 1099-C from the IRS and XXXX XXXX cancellation of debt , which means this needs to be deleted right away.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

XXXX XXXX XXXX continues to willfully falsely report my mortgage as 90 days and 30 days late although I HAVE NEVER been late and this was verified by them and stated in the last resolution. YET the credit reporting department continues to verify the INCORRECT reporting as of XX/XX/XXXX causing me serious financial harm. At this point it would be considered malicious. I am given the information that it was corrected, yet when disputed it is falsely verified instead of corrected. 
My modified loan began XX/XX/XXXX and I made ALL PAYMENTS ON TIME. Never late, never over 30 days late. This is LEGALLY VERIFIABLE. In addition XXXX misappropriated a payment to principal, their OWN error and yet reported as late. Wrongly reporting last payments as well. Legal action is being taken, this just further documents XXXX XXXX XXXX XXXX willful wrong reporting. Damages accrue daily.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX, the past due fee of {$40.00} appeared on my credit card account. I have set minimum auto payment, which I saw was {$160.00} on my app. When Capital One take out the money it was {$510.00}, resulting in insufficient fund fee of {$25.00} from my XXXX XXXX XXXX and past due fee of {$40.00} from Capital One itself. 

The minimum payment Capital One showed on my app differs what they actually withdrew from my bank differs. This practice is totally unfair. Capital Ones is effectively stealing money from me. 

Besides, when I was abroad, they would grey out my payment functions so I was unable to make payments a couple of times. So they could charge me late fees and they were surely able to see I was logging in from a foreign country.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (CA)

Thank you. 

We purchased a home in XXXX XXXX, Ca in 2022. 

Recently this year, we were informed that our mortgage with XXXX XXXX XXXX  was sold to XXXX  Mr Cooper. 

We're concerned about the following : 1 ) " Mr. Cooper '' has changed the amount of our mortgage -- @ {$200.00} less without explanation 2 ) Most importantly -- -I need to verify that they are paying our flood insurance through an escrow account.

**** They are UNREACHABLE by phone or otherwise -- -all robots.

3 ) they have my name listed wrong which I'm concerned will cause a problem. 
XXXX XXXX ( usually XXXX on computers ) they have it as : XXXX XXXX XXXX aka wrong last name and I can not reach them, -- It seems unethical and should be illegal -- to take over a mortgage without permission, change the name on the mortgage and then be unreachable.

please advise and thank you so much for this service. XXXX XXXX ( XXXX )
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX, GM FINANCIAL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (DE)

PNC COMPLAINT LOST WIRE TRANSFER TO XXXX XXXX  {$53000.00} Thank you in advance for your assistance to resolve a lost international wire transaction. The wire was initiated by our PNC Local Branch Office. The date of the wire was XX/XX/2023 in the amount of {$53000.00}. 

The wire used Intermediary XXXX and XXXX XXXX in the XXXX. The funds are from donors for the benefit of church ministries organized in the XXXX. 

There is no dispute by PNC and XXXX that the funds were wired. However, XXXX and our XXXX XXXX  office claim that the funds have not yet been received. XXXX XXXXXXXX has requested a Swift Document to aid their search. To date, the Swift Document has not been generated by PNC in their work with XXXX.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC (AZ)

I reached out to the collection agency, William Rush, and associates provided them with information stating that this is not my account nor do I have any knowledge of it and is in fact, a result of identity death I requested proof of the debt, however, have not been provided anything in months Ive disputed the account and for whatever reason its reported as a valid account so now I am falling a new FTC report and police report with these new fraud accounts that are popping up again so that they can be Removed and blocked
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my oldest credit card account. Never had any issues with chase ever before, I loved banking with them. I recently had a dispute with an over seas merchant where I returned the merchandise and I provided tracking. But chase rebelled my account so I called multiple times to ask to re open the case and now its showing as XXXX disputes for the same item on my account, so maybe that alerted the algorithm or something but Im so frustrated because I provided all documentation. I did everything correct. I had another dispute with a merchant who didnt even send the goods and the tracking shows returned to shipper still waiting on a resolution. Im so disgusted with chase right now. They said I opened too many disputes recently. I have paid my card multiple times in big amounts this past year and was using it for big purchases. But for every dispute I have proof and documentation. I thought it was safer to use my credit card because of the perks of having extra protection. But now they closed my account. And when I try calling back the person whose in charge of my complaint they dont answer. Its so frustrating.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc. (IL)

I am REWRITING to complaint to BSI FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX TWIN XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2024, a Wells Fargo banker asked me to deposit {$10000.00} new cash into my savings account to get promotional interest rates of XXXX XXXX. I did it on XX/XX/XXXX by depositing {$10000.00} into my savings account with the promotional code the banker entered on my savings account. XXXX month later I found out that I did not get paid the interest of rates of XXXX XXXX which Wells Fargo promised for the month of XXXX, Wells Fargo owes me the interest they should have paid, I went to the Wells Fargo XXXX XXXX XXXX to try to resolve the issue, and the banker opened a total of XXXX issues of complaint for me, however, XXXX month has passed, and Wells Fargo still hasn't paid me back the money they owe me. 
Wells Fargo own me about {$1000.00} for XXXX month of interest, which is XXXX XXXX for my saving balance of {$290000.00} My Wells Fargo complaint XXXX XXXX XXXXXXXX My Wells Fargo XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

My credit Card for CitiBank N.A. acct # XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXXXXXX due to me filing Bankruptcy XXXX I have requested Statements for XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and both companies will not help with request.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (VA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Virginia Laws Dear CREDIT MANAGEMENT LP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Virginia Code 18.2-186.3.

It has unequivocally come to my attention that CREDIT MANAGEMENT LP has engaged in unauthorized
reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Virginia state law, specifically Virginia Code 18.2-186.3, emphasizes the necessity of consumer consent for credit reporting. This law establishes clear guidelines for the fair reporting of consumer credit information and underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT MANAGEMENT LP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDIT

MANAGEMENT LP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Virginia Code 18.2-186.3. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Virginia state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT MANAGEMENT LP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

In 2019 I reported the collection agency by the name of IC SYSTEMS, who purchased a debt from XXXX XXXX XXXX XXXX XXXX as well as another agency ( nameless, it has been cleared ). I contacted the bureaus with supporting documents to have the account removed from my report. Both XXXX and XXXX removed the account and also noted that, the company should not be allowed to report this debt again. 
I also contacted the CFPB, in 2019, regarding this company. The account was removed from my account due to fraud, in 2019. However, this same account has been listed as a collection item, once again, on my XXXX credit report. XXXX later. As proven, I have sent validation letters to this company, that went unanswered after the legal allotted time.
Consumer complaint received 2024-05-16
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: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/2024 I received the a response to cfpb complaint I file on XXXX XXXX to see cfpb complaint # XXXX to while there response was along the lines of due to privacy they can share the results of their investigation that the results will be sent in the mail however its been over XXXX weeks and I have not Received any correspondence from XXXX XXXX  is engaging in deceptive practice by using Lies and fabricated responses to To circumvent my right to dispute Inaccurate incorrect information to which is a violation of the FCRA. From light streams multiple responses To consumers grievances and complaints on cfpb XXXX platforms Can substantiate this statement.