davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRIAD FINANCIAL SERVICES, INC. (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRIAD FINANCIAL SERVICES and XXXX regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On XX/XX/year>, I noticed that TRIAD FINANCIAL SERVICES continues to report the aforementioned account on my credit report. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that TRIAD FINANCIAL SERVICES promptly rectify this misrepresentation and REMOVE THIS ACCOUNT FROM MY CREDIT REPORT '' Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of TRIAD FINANCIAL SERVICES and XXXX have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that TRIAD FINANCIAL SERVICES complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold TRIAD FINANCIAL SERVICES and XXXX accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

I want to emphasize that a charge off is considered a certificate of indebtedness which means it is income and must be removed. 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 your assistance in reviewing the status of this account. 

Sincerely, XXXX XXXX XX/XX/year>
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I was on pandemic mortgage forbearance and my forbearance was originally ending at end of XX/XX/2020. Their app asked me to respond as to my status/ability to begin my mortgage payments again after forbearance ends. I said yes but then the app automatically and immediately took me off forbearance, asking me to begin repayment on XXXX XXXX, 2020. I asked Mr Cooper to fix this so I can begin repayment in XX/XX/XXXX and told them I wanted to move the payments I missed during forbearance to the end of the loan term. THREE TIMES they botched the request and then finally told me I was denied for no reason at all other than they couldnt do it. So then I tried to apply for loan modification where we move the payments I missed during forbearance to be due at the end of loan term. 

Again, without notifying me, mr cooper cancelled my application. Ive spoken with escalations numerous times and they have XXXX sensible explanation for these haphazard rejections. This time theyre telling me my application was cancelled because they provided me with a better refinance type of offer. How is this legal? During start of pandemic their app clearly stated that we had three options - pay the missed payments immediately at end of forbearance - move missed forbearance payments to end of loan term so it extends the long term - make all forbearance payments due at the end of existing loan term. 

How am I going to resolve this if they continue to randomly cancel and reject terms????? Ive been sent in circles and now harassed by Mr Cooper debt collections 6-7 times per day via endless phone calls and texts. I WANT to pay my mortgage but they wont let me!
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/XXXX my credit card ( issued by Barclay Bank ) was fraudulently charged {$790.00} twice on the same day by XXXX XXXX XXXX XXXX. Totaling {$1500.00}. I called Barclay and the first time, they did nothing. I called again, and they said I never registered a complaint. This second time, I received a letter telling me that I was not responsible for the charges and that my account would be credited. It was. I closed my account and the bank issued me a credit but only for {$1200.00} not for XXXX. After closing my account, the bank sent me a check for {$1200.00}, not XXXX. I later received a statement for the period of XX/XX/XXXX - XX/XX/XXXX and they put the XXXX XXXX Charges back onto my closed account for {$1500.00} and send me a bill! It has been XXXX months since the fraud happened, they told me I was not responsible, took the charges off, I closed my account. They sent me a check for the balance but it should have been for the fraud amount. They did not refund me correctly to begin with and now they are charging me for the fraud. They have insurance and should be handling this.
Consumer complaint received 2022-12-09
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. (PA)

Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!
Consumer complaint received 2022-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper is the Mortgage Company that is currently holding XXXX as unapplied funds for my XXXX payment. My XXXX payment is XXXX. They keep on sending me unapplied funds letter with only XXXX of unapplied funds. Problem is they are holding more. I have attempted to call, to speak with my Mortgage agent, but can't get ahold of them and can't leave a voicemail. I have used their chat function, and I have sent an email with no response. 

They will not apply the funds to the payment for XXXX, but they are just holding the funds and no one will answer my calls or emails or chats with any information or provide me with the correct information. 

I have paid my XXXX mortgage and they will not apply the payments to my account for no reason that makes sense. 

I am including payment activity from Mr. Cooper and snap shoots from my bank with the payment information. I am also including the payment screen. The amount due of XXXX is for XXXX, which i have until XX/XX/2022 to make the payment ( as per the loan agreement ). My account isn't past due. I just want my payments to be reflected and not held somewhere indefinitely and for the wrong amount. 

I just want my payment to be applied to my account.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I was denied credit by XXXX XXXX Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, Experian, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to XXXX, XXXX, and Experian 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and Experian to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, Experian, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, Experian, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, Experian, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by Experian, XXXX, and XXXX.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I see a Debt added to my account for {$730.00}, opened XX/XX/2015. I have yet to receive in validity on the debt. When I reach out to someone the customer service reps acts as If no information can be given. I have disputed the debt because I have no knowledge of the debt, and yet still no validity of the debt has been sent so that I can take action.
Consumer complaint received 2018-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (VA)

I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2013, XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2022-11-25
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I was denied credit by XXXX XXXXXXXX XXXX due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked Equifax, XXXX, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to Equifax, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for Equifax, XXXX, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to Equifax, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as Equifax, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of Equifax, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, Equifax, and XXXX.
Consumer complaint received 2023-04-13
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CO)

My SSN was hacked or accessed in fall of 2022. Multiple credit cards were attempted to be opened ( most credit card companies called/thought it was fraud so I was able to stop it ). Even though these actions were done, an account from XXXX XXXX XXXX for an amount of {$1400.00} was added to my credit report, from a debt collector, Credence Resource Management. I filled out the identity theft packet that Credence sent me to file it as theft, and talked to them on the phone ( today XX/XX/2022 ) and they said XXXX XXXX XXXX communicated back to them stating it was invalid and that I owe the {$1400.00}. Credence now said they will resend the same packet for me to fill out to start the process over. I have not heard anything directly from XXXX XXXX XXXX besides confirmation emails that they received my theft application. I DID NOT open this account and am trying to take all measure to close it and show that it was fraud. I want to get this account deleted off of my credit report ASAP and any help would be greatly appreciated.
Consumer complaint received 2022-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, TRANSUNION, XXXX fix the problem and remove inaccurate information of my credit report immediately.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was denied credit by XXXX XXXX Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and TransUnion to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to XXXX, TransUnion, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, TransUnion, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and TransUnion repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and TransUnion not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and TransUnion, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and TransUnion.
Consumer complaint received 2022-10-18
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: EQUIFAX, 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. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Consumer complaint received 2023-09-27
Product: Mortgage — FHA 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: STATE BANKSHARES, INC. (MN)

We are reaching out because we recently tried to sell our house and discovered that there were two partial claims totaling about {$50000.00} that we did not remember agreeing to and we were unaware was being processed through FHA not our lender. We thought we were accepting a loan modification without a partial claim, and when we signed the paperwork for the second partial claim in XXXX of XXXX we were told by a representative of our lender that it was some paperwork needed for the first partial claim we got back in XX/XX/XXXX, not an entirely new partial claim. Because of the partial claims, our house is worth less than what we owe on it, and we attempted to pursue a short sale of the property however because the partial claims were through FHA rather than with Bell Bank we were unable to do a short sale. We are now looking at foreclosure being we can no longer afford the house and with two liens/claims on the house we can not make a profit, break even or do a short sale. I am also including a communication with Bell Bank as we had reached out to them prior to accepting an offer on our house as we were unsure fully what we owed on the house and wanted clarification. As you will see in the email we were told we owe nothing other than the mortgage balance on the house which is {$140000.00}, we were also told this in phone conversation with a rep with our lender. This was highly inaccurate information they gave us which led us to taking an offer on the house that fell short of what we actually owed.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (FL)

Remove unauthorized inquires on Experian Credit Report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX