davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I have fell past due on my mortgage on XXXXXXXX XXXX XXXX I am writing this letter to explain my financial hardship that caused me to fall behind on my mortgage. On XX/XX/2014 I was diagnosed with XXXX XXXX XXXXXXXX and became very ill, due to my illness I missed a lot of workdays which my position was replaced, and I lost my job. After receiving treatment, I finally went back to work after a year then due to XXXX related blood vessels I suffered a XXXX which placed me out of work again due to my XXXX XXXX XXXX I was not cleared by my doctor to return to work. Thank God I am back to work now, and my health issues have all been resolved. During this time, I requested for mortgage assistance while I was only a few months behind, each time Id submit for loss mitigation as per their request the process would takes months only to always request documents over and over again even after already submitting these to them on numerous occasions. I feel that PHH intentionally delayed the review process just to foreclose on my home. I have offered PHH XXXX  XXXX {$35000.00} to show as good faith in hopes we can work on a home retention options but they have denied every attempt Ive made. As well PHH initiated foreclosure while I was in review for assistance as per CFPB guidelines I feel PHH is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101  . WAKEFIELD & ASSOCIATES does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. WAKEFIELD & ASSOCIATES is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Consumer complaint received 2024-03-23
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. (NC)

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. 

Account Name XXXX XXXX  : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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 2022-11-04
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. (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT
Consumer complaint received 2022-11-04
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. (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

The company repossessed my vehicle which was do to none payment it was the main reason pandemic I explained I couldn't keep the payments because now the pandemic gotten worse then it was They sold it left me with the amount that's is too high it's like made at all they stating that I owe over XXXX.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

In accordance with this Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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.
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

My daughter had XXXX  XXXX at XXXX XXXX XXXX and they never sent or sent a CORRECT CPT code to blue cross blue shield. The insurance company stated they will pay it if XXXX XXXX will enter and send them the correct code. I contacted them a year ago to correct this and the insurance company faxed something to cottonwood and they never corrected. I now have BONNEVILLE COLLECTIONS coming after me for XXXX medical bill that my insurance company XXXX  have paid. This has effected my credit very negatively I cant even apply to get a car or house because of an high balance
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I had disputed the  XXXX   XXXX  account that is being reported on my Equifax credit file in  XXXX    XXXX  . The week of  XXXX   XXXX ,   XXXX   I received my investigation results from Equifax dated  XXXX   XXXX ,   XXXX  . Enclosed in these results was the deletion of the  XXXX   XXXX   XXXX  account. When I called Equifax today  XXXX   XXXX ,   XXXX   to discuss my credit report, the representative told me that  XXXX   XXXX   XXXX  was still reporting on my credit file. I asked the representative how does Equifax verify disputes and she stated, " the creditor tells us your name, date of birth and social security number, that is all ''. She also stated Equifax uses an electronic system to verify as well. I reminded her that is not the correct way to investigate disputes according to the FCRA. With this being said, Equifax is still reporting incorrect information on my credit file even though I have proof from them that this account has been deleted. Equifax needs to remove  XXXX   XXXX   XXXX  from my report. Equifax will probably try to say that the uploaded documents isnt enough for them to do their job but these uploaded results are more than enough.
Consumer complaint received 2017-12-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Loan was with XXXX XXXX XXXX transferred to Nationstar now Mr Cooper, have letter dated XXXX-XXXX-12 for balance reduction before transferred while with XXXX XXXX XXXX, have sent letter so many times showing proof!
Consumer complaint received 2018-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am writing this letter to get a meaningful resolution to my continuing issues with Wells Fargo Bank. This has been going on since XX/XX/XXXX. They have lied in court and on an affidavit and at least one case my checks was processed without an image to verify that the check was processed correctly ( it was scanned- I was told by my Bank representative ). After this happened I started sending my payments electronically, which I originally had done at the beginning of the loan. 
I had to write the FBI along with contacting The Federal Reserve Consumer Division even to get a printout of payments made to Wells Fargo Bank from Wells Fargo Bank. I got the printout in XX/XX/XXXX. 

Wells Fargo had required test payments to be made by mail and they started out wanting the payments to be made by mail in check each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX by Wells Fargo Bank refusing payment in XX/XX/XXXX. When we went to court in XX/XX/XXXX, Wells Fargo claimed that they had not received payments, but that was proven to be a lie with me presenting my Bank statements. The next test period that Wells Fargo wanted, I refused to mail in the the payments but instead I made them electronically. Again Wells Fargo Bank refused the payment. Again, Wells Fargo claimed they were not being paid and then I requested from my Bank a printout of all payments. The printout was submitted in my affidavit in XX/XX/XXXX. The payments that were paid to Wells Fargo per their instructions was followed but I had not paid through regular mail in check. 

The payments that Wells Fargo received in XX/XX/XXXX before their original filing by them for a foreclose in XX/XX/XXXX. Wells Fargo had claimed that they had not received these payments. Proven false, and by finally getting a printout from Wells Fargo Bank in XX/XX/XXXX, that they had received payments. Those payments were placed in the Florida unclaimed funds account and I received notification of this by independent accountants writing me by mail. The notification of the funds being available was this year XX/XX/XXXX. 

I have tried to pay Wells Fargo and bring the mortgage back on track, but Wells Fargo has continually refused payments, even when they were negotiated. Wells Fargo has issued false claims and lied in court too. One more thing, Wells Fargo in XX/XX/XXXX sent an agreement that tacked on {$40000.00} without an explanation and it came after the letter to the FBI. 
Thank you and your office for any help that can be given in this matter.
Consumer complaint received 2017-07-09
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. (OH)

I am in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian,  XXXX  and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, Experian,  XXXX  and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX # XXXX The months that's stating I'm late is XX/XX/2023, XX/XX/2023.
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I am XXXX and on a fixed incomeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked Macys several times to lower my interest because over {$200.00} a month of my {$350.00} payment goes to interest. The most recent I had an email sent, I cant do on my own on XX/XX/2023.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 Capital One Bank froze my personal checking account with the amount of {$110000.00}. They stated that this was due to wire fraud, I sent 3 wires totalling around {$50000.00} to 2 domestic companies for products being bought. Capital One Bank stated that I could do business transactions on a personal checking account which I was not aware of. Before this issue took place I didn't try to open a business account online and at a Capital One Cafe which I couldn't do at neither place since I am in California and no branches are around. Since day 1 I have been very transparent with them providing contact information of incoming and outgoing wires so they can verify that no fraud was being done here. It has been over a month now and I still have no resolution even though I call on a daily basis trying to plead my case and push for them to contact the companies for wire verification. Not only have their employees been rude mainly their XXXX XXXX XXXX which the only place that would take my calls because when I would call a XXXX office I would get sent straight to a voice mail as soon as the agent heard it was me, totally unprofessional and very frustrating. Capital One froze literally all my assets right before the first of the month for what I believe is totally unfair, I have had to borrow money to pay my mortgage, bills, food, clothes for my kids etc. Today is XX/XX/XXXX and mortgage and bills are due again and still no resolution from Capital One Bank, I have no one to lend me money no more to pay my bills this month and will soon have late fees on everything and this will for sure now impact my credit score. Capital One Bank is by far the worst bank in history I have ever dealt with including their employees, I can't believe this is happening to me, I've heard of horror stories that were hard to believe but now I am living the worst. Please someone help me get my funds released.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a letter form Bank of America stating that i have opened an checking account but i DID NOT. So I called and spoke to an agent from fraud dept. stating they will look in to it and I will receive letter from them but never happen, but instead I received another montly checking letter update this month XXXX XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NH)

I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, XXXX, XXXX, Experian.
Consumer complaint received 2024-03-23
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 cr
imes 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 2023-02-14
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1581. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.