davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account.

Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( XXXX ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I was behind on payments for my mortgage and my credit cards. I borrowed some money from friends to help pay my mortgage and once the money was deposited Navy Federal took the money and applied it to my credit card. I called and told them that the money that was deposited in my checking account was to help pay for my mortgage not my credit card and asked them to apply the funds to my mortgage. They refused to and said they have the right to apply any money in my account to the debt of their choice and that I agreed to that when getting a credit card with them. This left me still behind on my mortgage and about {$400.00} of my money going to an inactive credit card that is closed. I would like my money transferred to my mortgage as it was intended to be or refunded back to me. Paying my mortgage and keeping a roof over me and my children 's head is more important than a closed credit card account. I feel navy federal is participating in unfair debt collecting. Even after taking my money and applying it to an account that I told them not to they never even sent me a receipt or payment confirmation or any proof of where my money went or any remaining balance. They just took it.
Consumer complaint received 2020-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Ive disputed incorrect derogatory remarks on my credit file. Ive mailed out disputes certified mail to rectify the problem. It is now 30 days since i mailed out my letters and i havent recieved physical written proof my matter was investigated
Consumer complaint received 2023-12-30
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. (OH)

TRANSUNION, XXXX AND XXXX ARE REFUSING TO REMOVE INFORMATION FROM MY CREDIT REPORT THOUGH I HAVE PROVIDED AN FTC IDENTITY REPORT, AND POLICE REPORT. 

I HAVE ASKED EACH BUREAU : Please block and remove all information resulting from Identity Theft pursuant to FCR

A 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

IN WHICH THEY HAVE REFUSED TO DO SO.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (NC)

I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

My mortgage was recently sold to Shellpoint mortgage company. The very first time I tried to make a payment there was problems. They had no information about my loan ( which Ive been paying on for 17 yrs ) and made me pay more then my monthly payment. The lady I spoke to had absolutely no idea what was going on with my loan. When I tried to explain to her that the amount she was telling me I had to pay was wrong she was rude and said that if I didnt pay that amount my payment would be held and then it would be late. I pd the amount she said because I have been working very hard to not make late payments. When I asked to talk to her manager she told me no no reason..just no I dont know what to do.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.
Consumer complaint received 2020-04-01
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. (TX)

Recently I have been denied credit from lenders based on information received from Equifax Credit Reporting. However, this information IS NOT on my report as such according to the FCRA, I am requesting to know immediately why fraudulent information is given to lenders yet the report records that I have received do not have such information. I have in accordance with FCRA regulations sent numerous letters to Equifax and all credit reporting agencies that they can not can not furnish information that is inaccurate, fraudulent and they continue to violate this request and give lenders information that is NOT on any of the credit reports Equifax has sent to me. The inaccurate and fraudulent citations noted by several lenders, including most recently XXXX XXXX  include : 1. Serious delinquency ( I do not have any on my Equifax report ) 2. Time since delinquency is too recent or unknown ( since I dont have any delinquencies this is incorrect ) 3.  Proportion of balances to credit limits on bank/national revolving accounts is too high ( again this is incorrect as my balances are well within the standard or below standard acceptable percentage ) 4. Too few accounts currently paid as agreed ( all my accounts are in good standing and upon checking my latest Equifax report assistance, there is no negative information to verify this ). This citation is arbitrary by lender, but still is not on the my Equifax report. 

Equifax is the only credit reporting agency that has thus far refused to follow the FCRA statues in either removing fraudulent information and/or providing information that was identified as fraudulent in my identity theft case. My Equifax credit score is considerably lower than ALL other credit reporting agencies by any reasonable standard. Again, this is due to Equifax refusing to follow the FCRA guidelines that the other credit reporting agencies followed and the lenders that were involved and have since removed the fraudulent information. I can not stress enough how severe the damage this has caused my credit scores and I am dumbfounded at Equifax blatant disregard for the federal laws put into place to help consumers combat identity theft and the like. Again, I want to emphasize that of all the credit reporting agencies, lenders, banks, etc that I have notified, written and otherwise contacted throughout this process EQUIFAX is the ONLY company that has refused to follow the guidelines and continues to furnish information that is inaccurate and fraudulent, but the information provided to lenders is not even on my Equifax report! How is this even possible and how can any consumer dispute information that only the Credit Bureau and Lender have access too?
Consumer complaint received 2020-03-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX STATEMENT. See transactions XX/XX/XXXX - XX/XX/XXXX {$810.00}. {$120.00}. & {$210.00} subtratcted. XX/XX/XXXX XX/XX/XXXX MERCHANTS CREDITS. The remaining balance AFTER MERCHANTS CREDITS was {$470.00}. KINDLY NOTE MERCHANTS CREDITS {$340.00} ARE THE ONLY CREDITS for period XXXX XXXX attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED ( KINDLY NOTE THIS * DID NOT INCLUDE {$340.00} CREDITED BY MERCHANTS. ) See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX WAS NOT REPORTED FRAUD XXXX XXXX see attatched XXXX STATEMENT KINDLY NOTE ( the credit deposited at beginning of the investigation have been reversed ) ** USAA REVERSES MERCHANTS CREDITS OF XX/XX/XXXX ON XX/XX/XXXX ( WITH NEW CHARGES ) forcing me to buy back two items that were picked up at store and returned at store and CLAIMING THEM TO BE USAA CREDITS. See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$210.00} ( the credit we deposited at the beginning of the investigation HAVE BEEN REVERSED ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS XXXX XXXX see attatched statement of XX/XX/XXXX ** USAA REVERSES MERCHANTS CREDITS {$210.00} OF XX/XX/XXXX XX/XX/XXXX STEALING XXXX MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS.
Consumer complaint received 2020-04-01
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. (MD)

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.
Consumer complaint received 2020-04-01
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: Rocket Mortgage, LLC (SC)

MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH QUICKEN LOANS/ROCKET MORTGAGE FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. QUICKEN LOANS IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY ROCKET MORTGAGE ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, QUICKEN LOANS/ ROCKET MORTGAGE.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

Dovenmuehle mortgage had taken out XXXX today out of my escrow account stating for Hazard insurance. When they last paid my hazard insurance on XX/XX/2019 for XXXX the full balance. I thought maybe there paying this in increments? But the amount that was taken doesnt even make sense. I demand to know where you sent MY escrow money and why this was even done when we had just paid the full amount 4 moths ago! Are you attempting to place us in negative escrow balance again to raise our monthly payments like you have already done?! Our taxes are due soon and we wont have enough for them due to this!! Escrow fraud!
Consumer complaint received 2020-04-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 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 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-12-28
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NV)

I contacted Caliber Home Loans on several different dates as noted herein : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There was an error in the calculation of my final loan balance with Caliber Home Loans. Although I called them several times, they did not relate to what I was stating as the balance on this loan. Caliber Home Loans actually owed me money as the mortgage loan was closed when I sold this property on XX/XX/XXXX. Caliber Home Loans charged me additional interest on this loan instead of pro-rating the balance due back to me for the month of XX/XX/XXXX. 

I made the XXXX mortgage payment to Caliber Home Loans on XX/XX/XXXX as evidenced in the attachments in the amount of {$1200.00}, check # XXXX. This was the total payment due for the month of XX/XX/XXXX which included principle, interest and property taxes. On the attached 'Payoff Quote '' from Caliber Home Loans, they continued to charge me interest on this loan even though I had paid the XXXX mortgage payment, and no interest was due on this loan until XX/XX/XXXX. I no longer owned this property as of XX/XX/XXXX. 

Caliber Home Loans erroneously charged me additional interest in closing this loan on XX/XX/XXXX, in the amount of {$310.00} even though I had paid the interest, principal and property tax for the property in full for the month of XXXX. Therefore, Caliber Home Loans owes me the additional interest they charged me on this loan in the close process XXXX sale of the property ). They also owe me a prorated amount of money for the remaining days in XX/XX/XXXX for which I no longer owned the property, but had paid the XX/XX/XXXX mortgage payment in full.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (GA)

To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, Equifax, & XXXX  and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification.

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (IN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-03-21
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. (CA)

I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH XXXX   AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX  LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM XXXX NEVER CITED THE SOURCE. I RE-PULLED MY EXPERIAN AND IT'S XXXX. I WOULD LIKE XXXX  FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE XXXX   FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america has refused to open XXXX XXXX XXXX account plz help me in getting it reopened along with a new debit card as well thank u XXXX XXXX is making too much money plz help him out XXXX b-day is XX/XX/1975 he will be XXXX yrs old he would love to have it reopened thank u