davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXX Balance {$6100.00} XXXXXXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2023-03-31
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-08-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (MI)

Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. District Court, The XXXX Police XXXX. and XXXX XXXX. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX District court, the fraud at the XXXX Police and the fraud at XXXX XXXX. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased father and stepmother. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX am as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of 10 years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into 3 dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-07-18
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. (NC)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file with transunion. this is my 2nd attempt an needs to get this issue resolved. checking my credit file ive noticed alot of errors that are causing delays. please review an remove the information submitted asap.
Consumer complaint received 2023-03-31
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. (VA)

On XX/XX/2023 The Credit bureaus stated Account XXXX XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2023-07-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I applied for a mortgage with Huntington Bank in XXXXXXXX XXXX XXXX and was denied because of my debt ratio, so I was told. Im concerned about that decision now because I witnessed a couple of commercials Huntington released to the public. One commercial had an XXXXXXXX XXXX woman and a XXXXXXXX XXXX  banker discussing her mortgage possibilities, the lady stated that her banker told her that anything is possible when it came to her chances of getting a mortgage with Huntington. The other commercial had two XXXX ladies and there XXXX  banker, and he helped them secure the funding that was needed for there business. Im definitely basing my mortgage decision based on the release of these two commercials, Huntington contacted me and said they will forward my information to the appropriate department and address my concerns.
Consumer complaint received 2023-03-31
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. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

My homeowners insurance was due XX/XX/XXXX. On XX/XX/XXXX, I wrote to the mortgage company, XXXX, serviced by " Mr. Cooper, '' when they would pay. I received a note back stating that they would pay from escrow. Today, when double checking, I find that they did not pay and there was a note on my account that my insurance had expired, although they had not only my carrier ( XXXX  ) but my insurance policy number in their roster of escrow accounts. I paid the insurance premium myself with a credit card to The XXXX. I called XXXX, and wandered endlessly through their phone system. I was never able to speak with a person, and finally uploaded my policy documents through their website.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On or about XX/XX/2022, on of the primary account holders received a text message asking to verify a XXXX transaction. Victim responded No and was immediately contacted by a person identifying themselves as a Wells Fargo Inc representative by the name of XXXX XXXX. The number displayed from the caller was listed as Wells Fargo Inc and was the same number as the number listed on the back of victim 's debit card. The fraudulent employee instructed the victim to log into their mobile app and change the access password. Believing the victim was being instructed by an authentic representative complied. The fraudulent party verified that there was a pending transaction and confirmed that once the password was changed the bogus pending transaction would be removed. Once completed, the scamster told the victim to allow 24 hours for changes to take place and not to login to their account during that period. At which point the victim became suspicious, ended the call and called the number listed on debit card. The Wells Fargo representative that answered confirmed that there had been no attempt to contact the victim from Wells Fargo and that there had been a point to point transaction through XXXX in the amount of {$3500.00}. A complaint was immediately filed as well as a police report ( XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The account holder DID NOT knowingly give access or authorization or approval for any XXXX transaction to any person, electronically or otherwise. The account holder did not know the person responsible for the transaction or that ultimately obtained authorization. The account holder was clearly a victim of fraud as defined under XXXX XXXX of the XXXX. The FAQ 's pertaining to XXXX XXXX of the CFPB explicitly detail the exact situation as it pertains to this case. A person claiming to represent the financial institution fraudulently obtained access to the account holder 's information and authorized the transaction unbeknownst to the victim.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

IN XXXX AND XXXX OF 2023 I CONTACTED XXXX XXXX ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Convergent Resources, Inc. (LA)

IN XXXX AND XXXX OF 2023 I CONTACTED CONVERGENT OUTSOURCING ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Consumer complaint received 2023-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

I just went through a bankruptcy and have been trying to get my payment deferred or lowered while I am working with my attorney to discharge these loans. These loans are predatory and have doubled from interest over and over again. One loan originated at {$3200.00} and I still owe {$19000.00} after making {$7800.00} in payments. The other loan originated at {$4900.00} and I still owe {$30000.00} after making {$12000.00} in payments. The interest rate is at 18 %. 

My student loans through the government are being discharged because the school that these come from are XXXX XXXX XXXX and the school is no longer.
Consumer complaint received 2023-03-31
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. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my consumer report. 
I have recently reviewed my consumer report and noticed some unauthorized accounts and in violation of 15 U.S. Code 1681 ( a ) ( 3 ) you guys assumed this role without my permission and you DID NOT have my consent. You guys did not respect my right to privacy which is under 15 U.S. Code 1681 ( a ) ( 4 ). You did not exercise your grave responsibility at all and you were unfair and partial. I have already taken the liberty to file a CFPB report and an Attorney General complaint. You were never given permissible purpose Under 15 U.S. Code 1681b ( a ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place, What I am demanding right now is that you guys delete all of these accounts listed below off of my report immediately.

I would like to state pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately. Willful noncompliance by your company will result in me seeking legal action. 

WRITTEN INSTRUCTION DELETE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (TX)

Attempting to collect on an alleged debt. Being harassed by apartment complex as well as the debt collection agency. Cease all threats, contact and harassment. As well as removed alleged debt from credit. Damaging credit.
Consumer complaint received 2023-03-31
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX  Account XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NV)

I made my payment to Comenity on XX/XX/2023 for {$57.00}. 
They then took another {$57.00} from my debit account on XX/XX/2023. 

I called them to resolve the issue and they were of no help. They said they would issue me a paper check for the unauthorized amount but refuse to help in any way for the fee I will be incurring with my bank because of their fraudulent charge. I am now under {$57.00} in my debit account and will be charged an extra {$35.00} because of comenity bank. I called my bank and since the charge is still pending they can not put a claim through to stop the payment and comenity bank is not putting a stop to the payment on their end.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I have nothing to say to the investigator of incomm company, this investigator named XXXX did not understand the problem at all, he said that I received the new card from XXXX on XX/XX/XXXX, it is true but that It was my other case number XXXX before, but this time my case number is XXXX, which is the result of the investigation just received recently, they sent my card to my old address in XXXX, and now I am in XXXX XXXX XXXX, I am in Just moved to XXXX last month so it's two amounts, it's not like XXXX said I got XXXX  to replenish my new card, something so simple why would he make this so complicated and make me Waiting for so long, I'm really going to die of anger
Consumer complaint received 2023-03-31
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.