davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

Good day! I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with XXXX Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to Rocket Mortgage as of XX/XX/2022. On the mortgage statement with Rocket mortgage reflects the deferred balance which matches the amount on XXXX My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. We have reached out to Fannie Mae - response received was to reach out to Lender directly. We reached out to Rocket Mortgage- no resolution - response received to reach out previous lender. We reached out to XXXX XXXX escalated issue thrice- no resolution to this matter. We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. We are requesting help and appreciate your review in this matter. Thank you Respectfully. Regards.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

On XXXX I initiated payment to New York and Company at approximately XXXX XXXX. My billing document in fine print indicated payments must be received by XXXX XXXX  ET. When I initiated the payment I was informed I would be charged a late fee in the amount of {$37.00} because the payment was not received before XXXX XXXX   ET. I asked for clarification and was informed the deadline listed on the front of the bill in the fine print was the deadline for " mail-in '' payments only rather the deadline for " phone payments '' listed in the fine print on the BACK of the bill was XXXX XXXX  ET. 
Should there be a provision to prevent companies from : 1. Charging these fees when a consumer has made the payment on the due date regardless of time and ; 2. Listing the time frame in two different places on the bill? 
Please advise what consumer protections are in place regarding these egregious practices by all credit card companies. Additionally, I would like the company to return the money paid for the fee incurred.
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX floor supervisor at equifax has violated my rights. And receptionist XXXX was very unprofessional and rude. 
Also XXXX and XXXX were all the same but equifax was the most inhumane and disgusting experience I've ever experienced after speaking with all of them I didn't feel like I had any rights as a American. I let them know if any account not associated to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not mine but they were all rude and disgusting and violated these specific rights below. This is un acceptable and I demand different all accounts not associated to my lifetime address to date To immediately remove all addresses and accounts not associated to XXXX XXXX XXXX XXXX associated to address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 consent. 

XXXX XXXX INQUIRY XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (GA)

To whom it may concern, Equifax After reviewing my consumer file I noticed the following account reporting in INACCURATE error. Please DELETE these account immediately : ( XXXX XXXX XXXX  : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX : ) Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore the account is in VIOLATION. Please Delete immediately.
Consumer complaint received 2023-02-20
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. (MD)

When I reviewed my credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$16.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$500.00}.
Consumer complaint received 2023-02-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (VA)

Have received 6 phone calls during the period of XXXX - XX/XX/14, per day. this is in addition to 3 emails. Totaling 243 impressions to my personal phone and email. 

Halsted claims that they bought an account from XXXX XXXX XXXX, but there is no history or information validating such.

Halsted has refused to verify the debt or information from XXXX XXXX XXXX and I can only assume that this is in error. 

Given this must have been given in errror, recommend halsted remove account and cease contact.
Consumer complaint received 2022-05-20
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. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00}
Consumer complaint received 2023-02-13
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: MARINER FINANCE, LLC (TX)

I sent a letter last month to Mariner Finance regarding a charged off account that is reporting on my credit report. The account has been paid, and I originally had an agreement to remove this account once paid. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because I was never sent a 1099c for this charge off and the data furnished is inconsistent between all 3 credit bureaus. My credit report will show different payment history which means that this account is not in compliance. The IRS directed me to file form 3949a for illegal tax violations upon your company. There are many FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my personal credit file as I am preparing to obtain funding and found some items on my account that are not accurate information. The Employment Info has incorrect data as I am requesting that the following info is removed ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX immediately for reporting false documentation of employer info. The also see false addresses reported on my file and i need them to be removed immediately to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only address that should be on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other addresses need to be removed including XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also see a credit account that is reporting from XXXX XXXX XXXX with account number XXXX that needs to be deleted immediately as well. This information needs to be verified or DELETED.
Consumer complaint received 2023-02-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian. XXXX. and XXXX have 30 davs to respond to my dispute This a violation of my rights. 

Receipt and tracking number from United States Postal Service. 
Tracking number : XXXX Receipt number : XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OK)

In the beginning of 2021 PHH Mortgage allowed a government sponsored COVID deferment to our mortgage, at the encouragement of the PHH relationship managers. They suggested placing the past due payments, or deferred payments at the end of the loan. This would be a separate amount due after the mortgage balance was fully paid. Once deferment was over PHH requested a loan modification due to the COVID deferment. Signed papers were requested. PHH then would not accept the notarized signatures that were requested and sent by PHH. PHH then would put a time limit to receive the signed and notarized papers. This happened up to 5 times. In the midst of trying to correct the signature issues mortgage payments were sent to PHH, some were accepted, some were not accepted, then other times we were told not to send payment at all. Now after seeking legal assistance while PHH threatens foreclosure our attorney is struggling for clear dialog with PHH. They now are saying the mortgage is in active foreclosure. PHH is not willing to work through their own admitted errors by their underwriters and escalation department. Our attorney has made repeated efforts to work this out with them and PHH refuses to cooperate. This is resulting in added attorney fees while PHH is adding " delinquent '' ( We feel there is no delinquency because payments were paid as were due but not accepted by PHH at their instruction ) interest and/or fees that PHH will not explain. We feel like we have exhausted all efforts to please PHH Mortgage and are open to resolve but seem to be getting no where.
Consumer complaint received 2023-01-20
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. (VA)

According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by XXXX XXXX from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (VA)

On XX/XX/2023 I went to my local Ford dealership and informed them I would like to perform a consumer credit transaction. They took my social security number and ran my " credit '' through Ford Credit. Later that evening I received a call from my local dealer that my " application '' had been denied but no " excuse '' was given. I have tried calling Ford Credit several times to discuss this matter with them but each person I speak with belittles me and tells me I have no clue as to what I am talking about that they deal with " loans '' not consumer credit transactions. I also have yet to receive any notification in the mail from Ford Credit explaining why I was denied " credit '' which is a further violation because they are supposed to ensure that notification is received by me within thirty ( 30 ) days. I spoke with a XXXX and XXXX from Ford Credit who refused to allow me to speak to anyone above them and said that they, Ford Credit, did not run my credit that it was the dealership who ran my credit. I said how could that be when your organizations name is the one showing up on my consumer report for a hard inquiry. They both refused to assist me and insisted that I was ignorant to the law and that they were not committing fraud.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

Notice of Intent to Sue XXXX XXXX is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is erroneously reporting bankruptcy case number XXXX as belonging to The Consumer. The Company has not verified the following information and is currently reporting inaccurately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( The Consumers name is not XXXX XXXX XXXX XXXX as reported ) Bankruptcy Court Details : Court Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Petitioner Represented By Attorney : Yes Petitioner or Attorney Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX The Company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/XXXX XXXX XXXX XXXX XXXX repossessed our XXXX XXXX from our lessee XXXX XXXX. We found out that there was a claim filed with XXXX XXXX. We found out in XXXX of XXXX that the damages were paid for via a two party check made out to XXXX XXXX and XXXX XXXX XXXX XXXX We reached out to XXXX XXXX XXXX and they found out the check was cashed without the endorsement from XXXX XXXX XXXX XXXX. The damages were not repaired and we had to pay for repairs. We filed a forgery claim against Wells Fargo Bank in XX/XX/XXXX. The claims center at Wells Fargo advised that we need a claim number that is in a packet that they send to XXXX XXXX. I reached out to XXXX XXXX and they still have not received a packet with a claim number to get things moving forward and Wells Fargo advised me that I can not get an update on the forgery claim without the number.
Consumer complaint received 2023-02-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (TN)

A company named Credit Corp Solutions XXXX Tasman Credit Corp is trying to collect an old installment line of credit that I previously settled in full with XXXX XXXX XXXX. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXXredit Corp Solutions XXXX Tasman Credit Corp stating that XXXX XXXX sold the account to them for collections for an amount of {$2600.00}. Even after providing them with the original email stating the account was settled in full, they continue to tell me I owe it. I am concerned that it will harm by credit score that I've worked hard to repair.
Consumer complaint received 2022-05-20
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)

In the 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 XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : 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. 

15 U.S.C 1681 C. ( 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 more than seven years. 


15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies. This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.
Consumer complaint received 2023-02-12
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. (MD)

XXXX, XXXX and TransUnion are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports