davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (MI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on XXXX and XXXX. Ive been going back-and-forth for the last year.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WV)

I had two checks that I deposited that were a mistake on my part. They were written for an account that doesnt exist anymore. I deposited my new correct checks and they were cleared. I have no access to my bank account or any of money and they refuse to give me any clear answers.
Consumer complaint received 2023-09-14
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: Dovenmuehle Mortgage, Inc. (OR)

I was approved for a CARES Act COVID forbearance for XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I asked for an extension of this forbearance, which was approved. 
Later DMI recanted the forbearance extension ( XXXX  XXXX  ). At this time I was required to pay the payments paused during forbearance IN FULL. This violates the CARES Act. 

Im response to my previous complaint they specifically avoid addressing this major complaint as it violates the law.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter out to XXXX, XXXX and Experian on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

For XXXX XXXX I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

I have tried to contact coinbase with my issue over two dozen times. Their customer service is literally nonexistent there is no way to get ahold of them even with their phone number which just leads you to a dead end. I have never dealt with a company that is so nonexistent when it comes to dealing with problems in my life. I hope something is done about this because they are dealing with people 's money and in some cases lots of it. And if you have a problem regarding your money you have literally no option to resolve it because they do not respond ever.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC (FL)

The social security number that they have on file isnt mine. I tried to contact the company via phone and also sent more than 10 emails and none were responded. I have been trying to resolve the problem for over 4 months but without success. 

I need them to correct the social security number on the systems to start reporting my credit. 

Please help me
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (NJ)

Dealing with Loan depot has been a total Nightmare. It seems almost everyone in the tax department does not understand how to do their job effectively. 

Im paying over {$8000.00} a year in escrow property taxes and pmi. My county assessment for XXXX  is {$5200.00} & pmi of $ XXXXand loan depot is charging me XXXX for property taxes, but loan loan depot is billing me {$660.00} per month that equates over XXXX XXXX  annually. 

I called over five times and the issue is not resolved nor nobody has information collected from my previous calls. 

DO NOT USE LOAN DEPOT
Consumer complaint received 2023-09-14
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)

Transunion violated the Fair Credit Reporting Act due to improper use of my Transunion credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Transunion credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Transunion failed to uphold the duty to remove both accounts from my Transunion credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Transunion held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Transunion credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Transunion credit report, due to both DEPT OF ED/XXXX accounts that were opened in XXXX of XXXX antedating the Transunion credit report by over seven years.

This complaint is an effort for Transunion to be compelled to remove all accounts that antedate seven years from my Transunion credit report.
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CMG MORTGAGE, INC (NV)

I reached out to my current lender, XXXX, in XXXX due to challenges with paying my mortgage. My domestic partner suffered a XXXX XXXX in XXXX and another in XXXX that contributed to our financial struggles. His temporary inability to work combined with growing bills and living too close to the boundaries of our means put me in a debilitating financial bind. I reached out to my lender per the advise of my family. I explained my situation and was informed that there was a forbearance option that would allow me to temporarily suspend my payments for up to a certain amount of time until I was able to get on my feet. I completely understood that I still owed that money, but didn't realize it was creating a whole separate lien on my house. I remember being advised that we would be able to move the missed payments to the end of my loan and 'roll it in ' to my existing mortgage. That was what I thought I was doing. I have been paying my mortgage again since XXXXXXXX XXXX XXXXXXXX and haven't missed any payments, I actually pay a little more each month than that minimum payment. I was refinancing my house because I need to replace my roof. The estimate I received was for {$20000.00} ( which I do not have ). I reached out to my loan officer to see if I would be able to pull from my equity and this is when we discovered what is going on. I really don't know what to do. I truly do understand that I owe this money, but what I didn't understand was that this was going to be treated as a separate lien and how it would affect me. I really thought it was being added to my existing mortgage. I am looking for some kind of help. Can I restructure the lien? Is that even possible. I am truly desperate and trying to do the right thing.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VT)

I have been in and am eligible for income based repayment since I XXXX  in XXXX. I logged into my account recently and found MOHELA had taken me out of IBR and put me in level payment raising my payment from {$400.00} to {$1100.00} ( after no changes by me re : my income ). One loan was put into SAVE, all other in LEVEL. They are all eligible for SAVE or income contingent repayment per Studentaid.gov, and my payments should be between XXXX and XXXX depending on if I choose SAVE or ICR. On level ( again their mistake ) my account would be immediately overdrawn if this amount was debited, but if I remove my account, I lose my .5 % decrease in interest for having auto-debit. I called and the person I spoke to XXXX told me this is happening to a lot of people. She could offer not solution other than for me to reapply and if they can't process it before repayment, which they said they can't, I will be in administrative forbearance, which over the long run obviously costs me more money as my loan is accruing interest while Mohela " figures it out '', enriching them in the long run. Great little scheme if that's what they're doing on scale which it seems it is since their rep actually just said that. And after speaking to them, all I got was a letter saying I'd been put in level payments. Are you kidding me? They have offered NO solutions for their mistake and I'm the only one who suffers.
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. (IL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-05-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX ( XXXX ) inaccurately recorded a late payment on my credit history. The inaccuracy XXXX recorded was for XXXX 2018 and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that XXXX inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to XXXX, XXXX, and Experian companies and disputes were filed.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX XXXX and Experian XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX XXXXXXXX divulged that someone used my name, DOB , and SS # to apply for a credit card. It is now noted as fraudulent. I froze Experian and reported fraud to XXXX and XXXX XXXX.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (VA)

I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus investigation.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (IL)

On XXXX XXXX I received a fraud alert text from regions bank asking did I authorize {$2300.00} XXXX responded and said no they replied and informed me they were canceling my card and sending me out new one. I tried contacting the bank but was closed. I was able to interact with online banking they responded it was nothing I can do because the transaction was pending. On the next day I went into the branch office in XXXX XXXX the representative and I looked over my account it was two charges that I didn't authorize. He informed me that It was nothing I can do until the trasactions post. He asked me had I been to New York because it was a hotel trasaction. I told him no and asked what will happen now. He told me it may just fall off and it will be nothing I have to do. A claim will be filed if it post. He gave me a new card and I gave him my old card .I then asked if I should close the account and get a new one. He told me no. I asked should I go to the police station he told me no if I didn't know who did this. 
I checked several days to check to see if the trasactions had posted about 4 days later it did post I then called the bank asking what is going to be done. They told me it will take up to 10 days before I get a response. I called the bank every day and no one could help me. I contacted the branch and talk to the exact representative that helped me when I went into the branch. He asked me had anyone contacted me I told him no. He told me they denied my claim because the trasactions had my CVV and my 4 digit pin was used. I told him I had not been to New York and I didn't give my pin to No one but the bank and was it the bank that did this to me. He replied it was nothing I can do I asked to speak to the manager of the bank. He told me he would call me back on his conversation he told me the exact same thing I told him it was fraudulent activity and I told them and they still claimed it was me I then spoke to several bank workers including the manager of the claim department they told me I lost my money and it was nothing I can do about. I have since been to the police department to make a report. I asked and called the cooperate office they told me the representatives and the bank manager gave me wrong information that my pin was not used but the CVV was used and XXXX said because that was used it was my trasactions. I told them it was fraud they told me it was not. They didn't have information that was correct in where my money went.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the bank and guess what? They have agreed to not report the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditors did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Want to reopen Complaint ID XXXX. 
Received a letter from Capital One stating that they were closing Dispute Case # XXXX because I had not provided the information that they had requested. The Assistant Vice President of my branch of XXXX XXXX XXXX  sent them the required information, proof that I made the payments and proof that Capital One had received the payments, but they keep insisting they have not received the required information. They have repeatedly been informed that I had made the payments via online bill pay through the bank but on XX/XX/2020, they sent a letter that asked that if I'd paid by check or money order-to send front and back copy of the canceled check. How XXXX  is this, what is their problem? 

Enough is enough, can I send you the proof so you know Capital One made a mistake. I can see that missing one payment might have been an entry error, but 2 in consecutive months is either fraud or sticky fingers as far as I'm concerned.