davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (LA)

I purchased the subject property as a single person. When I refinanced the subject property with the current loan servicer I was married. Since it was our primary residence when I refinanced the property, the lender required my spouse to sign the security instrument ( Deed of Trust ) as a non-borrowing spouse. As of today I have never signed a Warranty Deed giving him any ownership interest in the subject property nor has he been an on any promissory notes associated with the subject property. Hence, the subject property remains my sole and separate property. 

Around XXXX of 2019, my husband filed for Bankruptcy. The subject property was not included in his Bankruptcy since he is not on the note or deed. Around XX/XX/2019 went online to make a payment, but this feature was disabled. The online system advised me to call to make a payment. When I called I was directed to the Bankruptcy Division. I advised them that I am not in Bankruptcy and my spouse has not financial or ownership interest in the subject property as he is not a borrower, on title, and purchased prior to our marriage. Since my y mortgage is not subject to my spouses Bankruptcy, the representative escalated the issue. However on XX/XX/2019 they retained an attorney to object to my husbands plan confirmation and falsely stated he was a debtor and on the deed. Despite several escalations, they continue to service my account as if I was in Bankruptcy including incurring legal fees, disabling payment features, and placing payments in a suspense account.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have savings account with Bank of America which is linked with Primary checking Account for automatic transfer. I never had fee associated with the savings since 2005. For the past two years there is hidden fee of {$5.00} on monthly basis, and there wasn't any mention of fees would be incurred to the account due to recent changes with the bank. Followed up with BofA customer service who are setting hardline on waiving or reversing fees applied to Saving Account in {$5.00}. The claim is to have minimum {$300.00} in saving which wasn't communicated in letter for recent changes coming to old saving account. As matter of fact asked for resolution, and Bank of America showed hostility & refrained from resolving matter as part of waiving fees on saving account which was occuring as per banking statement for two years. Need to contest those fees applied to Saving Account.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I have tried for 9 years to get my loan modified and survived several foreclosures scares.  As information, a XXXX XXXX XXXX  for XXXX XXXX  XXXX and XXXX  XXXX  operates on this property.   Recently, while doing research I found my loan is covered under the Department of Justice settlement with XXXX XXXX over Residential Mortgage Backed Securities.  Specifically attached documents verify my loan XXXX XXXX   is covered as per the DOJ statement.  Despite this, and contact directly with XXXX XXXX of XXXX XXXX, absolutely nothing has been done.
Consumer complaint received 2017-07-12
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX. <P/>XX/XX/XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will XXXX I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have tried numerous of times for Experian and XXXX XXXX to correct my credit report concerning XXXX XXXX credit card ending in XXXX. They are continuing to report different information. Experian is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION REPORTING IN MY CREDIT FILE. XXXX XXXX is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION! I have tried to get this issue resolved now for the last 6 months now! Please do not send me a response telling me that the information is accurate. IT IS NOT! I am now prepared to take legal action against XXXX XXXX and Experian for not investigating this properly and continuing to let XXXX XXXX report incorrectly on my credit report. I have also written several letters of how, You continue to tell me that the information is reporting accurately and you have done an investigation now I need proof that investigation was done if this is not removed from my credit profiled immediately. 
Time is of the essence
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
Consumer complaint received 2022-06-30
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. (IL)

I first wrote a certified letter to XXXX XXXX XXXX  XXXX # XXXX asking them to verify alleged debt. I am unaware of this debt. XXXX  XXXX chose to not respond. I then asked XXXX, XXXX AND EQUIFAX to verify debt. XXXX AND XXXX were unable to get the company to respond or give proof that I in fact owe this alleged debt. EQUIFAX has come back verified. I called EQUIFAX on a recorded line XX/XX/2022 and XX/XX/2022 asked them for proof of their investigation or how they came back with their decision. On XX/XX/2022 I was told by an EQUIFAX EMPLOYEE that THEY are not allowed to delete items under the FCRA which I know is not true. I spoke to a supervisor who also stated that XXXX XXXX has to be the one to tell them to delete the items which I also know is not true. I called again XX/XX/2022 and I was told that XXXX XXXX  verified the information but when I asked them what they sent that was verifiable the EQUIFAX EMPLOYEE stated that she could not see that in her system. She then proceeded to tell me on a recorded line I would have to file a police report even though the account was deleted from XXXX AND XXXX because they did an actual INVESTIGATION. 

Equifax stated my account was properly investigated but how is that possible if what I stated above is true that would mean they did not investigate, validate, verify or do anything that they are upheld by the law to do. I have proof as well. This is ground for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A. 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 an account without my written instructions.

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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



PROOF ENLCOSED
Consumer complaint received 2023-06-25
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. (CA)

CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
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: EQUIFAX, INC. (CA)

Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls
Consumer complaint received 2019-12-10
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. (UT)

XXXX  XXXX  XXXX  #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt
Consumer complaint received 2022-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022 two transactions were made in XXXX XXXXXXXX XXXX with a tap to pay form of my debit card at an automotive store for {$1000.00} and {$2000.00}. My personal guess is for two visa prepaid cards. Transaction on my bank account show I was in XXXX XXXX at the time and bank will not count transactions as fraud because a deposit for a job for around XXXX was put into my account 3 days prior to the fraudulent activity. Bank of America denied my fraud claim based on them not draining my account even though on the phone I was told it was a repeating pattern and would have continued had I not reported it. It was reported immediately after seeing money taken from my account. There were also 2 other changes for XXXX that the bank had no problem considering fraud and refunding the money.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX  XXXX  XXXX  #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt
Consumer complaint received 2023-06-07
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)

I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These Hard inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on my credit report
Consumer complaint received 2023-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Bank of America absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-07-14
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: Experian Information Solutions Inc. (CT)

REF TO XXXX AND EXPERIAN : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX XXXX {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance XXXX Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, NY XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and Experian and XXXX do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. XXXX and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX.
Consumer complaint received 2018-12-04
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: JH Portfolio Debt Equities, LLC (NY)

XXXX XXXX XXXX Account XXXX and JH PORTFOLIO DEBT EQUITIES Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

On XX/XX/XXXX an account with XXXX XXXX was opened in my name. On XX/XX/XXXX of the same year payment was due that was not given. I never received any notice of this bill since the fraud did not use my actual address or any of my actual personal information other than apparently my name and social security number. I.C. Systems Inc, a debt collection service, sent me a letter to my correct mailing address dated on XX/XX/XXXX of XXXX stating that I owed {$920.00}. The collection was due XX/XX/XXXX of XXXX. I was out of country when the letter came to my address, and I didn't return until the end of XXXX, which was past the due date. I contacted IC Systems, and they said that they had already sent the missed collections payment to my credit report. They said that they had marked the claim as fraudulent, and that I had to talk to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and I wanted to verify that this account was truly opened in my name. They were not willing and/or able to verify this since they said that I needed the password to the account to open it. They said that the only way I could do this was to go to an XXXX XXXX XXXX store. I went to the store they told me to go to, but the sale person there said that she is only an authorized retail sales person, and she doesn't have authority to open the account since it is closed and has gone to debt collection. The XXXX XXXX XXXX store sales person and the representatives I spoke to on the phone said that I should file an identity theft claim, which required a police report. The police have been leery of the debt collection letter itself being scam, but they are currently investigating this for me before they give me a police report. I did verify that this debt collection was reported to XXXX and XXXX.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}
Consumer complaint received 2019-07-14
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. (AZ)

On XX/XX/2019 I received an email alert from Experian advising me that my email address has been changed. I immediately called Experian and have been unsuccessful with speaking to a Representative. I've made numerous attempts and three via email in writing after unsuccessful attempts by phone. I followed the instructions in the email provided by Experian on XX/XX/2019 and replied to the email on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Experian has allowed someone else access and full control of my credit report. I attempted to logon and an email address ending with domain XXXX has access. I have never had a XXXX  email and never authorized my email to be changed. 

I already have fraud alerts on my credit report and my credit has been compromised from the XXXX data breach and this is the reason Experian allowed me free credit monitoring. My credit is now in full control of a third and it has been compromised and I'm curretnly disputing accounts that is not mine.
Consumer complaint received 2022-10-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from capital one today. I have no applied for a capital one credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with XXXX. XXXX advised me to contact the bank Capital One. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from capital one or anything. I do not have any accounts with capital one and I have never applied for a capital one card.