davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (UT)

My original FHA loan originated in XXXX of XXXX at a rate of 4.75 %. We did a streamline refinance in XXXX of XXXX to a rate of 3.25 %. I made the XXXX and XXXX payments XXXX XXXX was skipped due to streamline ), these were on time, actually 2 weeks early each but irrelevant. I received a call from my loan officer who stated they canceled my FHA case number by accident and would would need to re-sign. She then had another loan officer contact me who stated we must do a full re-fi as the case number was canceled and can't be re-instated since it was canceled before closing. He stated the company is not able to sell my mortgage now since there is no case number. They are offering a no cost re-fi and a lower interest rate but I have to go through full credit pulls and the entire process. I have reluctantly agreed but am skeptical. Am I obligated legally to do this? If I refuse do they have a right to keep the monthly PMI I am paying for an FHA loan that technically doesn't exist since there is no case number? I have not signed or closed anything on a full refi yet as it is just getting started.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX XXXX, XXXX XXXX, 2020, XXXX XXXX  XXXX XXXX XXXX XXXX, 2020, * XXXX XXXX  XX/XX/XXXX, 2020, and XX/XX/XXXX,2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2020-06-09
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. (TX)

I was a victim of identity theft several years ago and have been trying to resolve this issue with the credit bureaus. The account for XXXX XXXX  is still on my credit report
Consumer complaint received 2022-11-11
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 talked with representatives from XXXX, XXXX, and Transunion on XX/XX/2022, regarding the possibility that my consumer file might contain fake accounts. I requested that the accounts be deactivated because I didn't know anything about them or how they got there. All three companies gave me the go-ahead to complete the FTC report and submit the required paperwork. On XX/XX/2022, I submitted my letters by certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. Because it prevents my family and I from making purchases, this problem frustrates and enrages me. On XX/XX/2022, I got in touch with the three companies once more and asked how they could prove that these accounts belonged to me. They merely stated that they were unable to assist further and advised me to talk with the creditors directly. It didn't surprise me when I attempted to get in touch with each creditor who had been falsely asserting on the consumer file that they were not aware of me or the accounts. I was forced to use the CFPB website, just as some of my friends had advised me to given the situation. I sincerely hope that information is helpful since my family and I are attempting to submit an application for a house.
Consumer complaint received 2019-12-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account XXXX XXXX XXXX is accurate. And therefore this account should be removed. 

XXXX Account XXXX : XXXX XXXX Account # : XXXX
Consumer complaint received 2023-01-23
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: NAVY FEDERAL CREDIT UNION (PA)

I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I the Capital One customer team about using some of my personal line of credit to open a business line of credit. They told me to send a letter to the Capital One Customer Care Team at XXXX. XXXX XXXX XXXX XXXX, UT XXXX. They fraudulently reduced my credit limit without my permission saying that I gave them permission. I would like them to open my business account as they promised. 

- I sent my letter credit transfer request XX/XX/2020 - I received credit limit decrease on XX/XX/2020 - I called into Capital One on XX/XX/2020 and spoke with XXXX to have her correct the issue. She then connected me to her supervisor, XXXX who said he was unable to help. 

Credit card # : XXXX Case # : XXXX
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (PA)

On XX/XX/XXXX of 2020, I received a call from a number identifying themselves as a representative of MRS BPO , LLC asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with MRS BPO sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed MRS BPO an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as XXXX XXXX trying to collect the same debt. I am initially concerned that MRS BPO is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put MRS BPO on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with XXXX, taking additional time and money. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.
Consumer complaint received 2022-01-22
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: TD BANK US HOLDING COMPANY (NY)

New inquiry on credit report from TD Bank, new account taken under my name fraudulently. I reported the issue/fraudulent action to TD Bank and they advise to follow a victim of identity deft through FTC. This is the seventh time a scammer is trying to use my personal information to apply for service fraudulently under my name. I keep reporting the fraudulent action to the companies, but it doesnt stop. Please help remove this inquiries from my information. Thank you.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

To whom it may concern : On XX/XX/2020 my account was overdrawn {$280.00}. 
On XX/XX/2020, I received my Stimulus Check for {$3400.00}. The day after on XX/XX/2020. I recieved another deposit from Wells Fargo Bank, stating that they were giving me a credit of {$280.00}. To cover the negative balance in my account. To allow my Stimulus Check to be processed. 
However, I didn't not need or ask to receive this credit, Because once my Stimulus Check cleared it would have covered the negative balance in my account. 

Now two months later on XX/XX/2020, I receive an email from Wells Fargo, stating that on XX/XX/XXXX, they are going to reverse the credit of {$280.00} on my account because it was only meant to be a temporary credit. Which will now put my account back in the negative, and in addition I will receive a {$35.00} overdraft fee. 
As a customer, I believe that this is completely frustrating. This decision that Wells Fargo is making does not show me that my financial institution is setting me up for financial success. It shows me that they want to keep their customers who are struggling to make it day to day during Covid-19 in financial ruin. 

If someone please advise me on what to do that would be greatly appreciated. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MEGA CAPITAL FUNDING INC. (CA)

I went on an approved CARES ACT mortgage forbearance from XX/XX/XXXX until XX/XX/XXXX. I resumed making my regular mortgage payments on XX/XX/XXXX. I have been making my mortgage payments on time each month ever since. I applied for a loan modification and was approved to begin making my modified payments on XX/XX/XXXX. After XXXX modified payments I was supposed to have my loan modified no later than XX/XX/XXXX. I made all XXXX loan modified payments on time and still have not received my final loan modification documents. 

As of XX/XX/XXXX, the mortgage company is threatening to foreclose on my house by XX/XX/XXXX, if I do not make the lump sum payment of {$28000.00}. I have called multiple times and on each call, they act like they have no record of my loan modification. I do have a hard copy and pdf version of the loan modification that was offered and accepted by the loan servicer. 

I am worried that they will attempt to foreclose my property illegally. Please advise.
Consumer complaint received 2023-01-16
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. (TX)

Ive discovered with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with XXXX for a long period of time. XXXX is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. XXXX was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by XXXX, that the account was verified as accurate by law 15 USC 1681 ( e ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC XXXX is liable to follow certain rules under the XXXX XXXX File Number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. 

I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from XXXX as well as Experian. Please note that XXXX has already removed this account from my credit report.
Consumer complaint received 2023-05-09
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. (IN)

In 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. ( XXXX  XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.
Consumer complaint received 2023-01-16
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


In 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. 

XXXX XXXX - {$1100.00} 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  THESE 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 1681c. ( 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 by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am doing this complaint against my current servicer, Rushmore Loan Management and the previous servicer, XXXX XXXX Mortgage regarding the inaccurate information reported on my credit reports regarding my payment history. I have attempted to resolve this with XXXX XXXX Mortgage for many years with no resolve as they have always told me I was 30 days behind but they could never produce when I actually became behind stating that their records only went back to XXXX. My payment is due on the XXXX of the month and I always pay at the end of the month. Then when my loan was transferred to Rushmore Loan Management, on XX/XX/XXXX, they are now stating that I was 30 days late in XXXX, XXXX due to the fact that XXXX transferred it to them 30 days behind, they couldnt report any derogatories because of the 60 day transfer rule and now I was late again. This is totally wrong and confusing. I am in the middle of trying to refinance my loan for a lower and fixed rate loan. My credit report is showing that I had a 30 day late in XXXX, XXXX and now a 30 day late in XXXX of this year. 

This is not true. I have attached my XXXX XXXX receipts and proof of payments from XXXX, XXXX through XXXX, XXXX. I need this information corrected immediately as it is a violation of my rights to not be able to get accurate information from my servicer all these years and that I have made payments every month.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Yesterday XX/XX/2019, I had three charges taken out of my account within the 3 to 5 business days it takes a merchant to receive funds and my account was still in a positive balance at that time. The next morning those same three charges caused three separate overdraft fees even though the bank and merchant had already processed and received those same three charges the day before. Through the chase bank app it showed that the charges for target totaling {$26.00}, {$66.00}, and {$72.00} were taken out of my account yesterday with a positive balance. This morning the overdraft fees were for those same three charges. I spoke 5 different representatives at chase bank over the phone. Not a single person was able to waive the overdraft fees even though I told them I would pay the balance immediately without the 3 overdraft charges. No one gave a clear explanation as to why Im being charged insufficient fund fees for charges that had already been taken out of my account the day before. No one can explain the that order in which the charges were taken out today are different from yesterday. I asked to speak to what I was told was higher ranking supervisors but they were no help as well. Ive been a customer with them for over 10 years and I am suspecting unethical practices are in play here.
Consumer complaint received 2023-06-28
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. (IL)

On my credit report there is an account in derogatory and it shouldnt be stating that for transunion. And there is an address for Georgia that i have never lived at before and they wont allow me to take it off
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

In XX/XX/XXXX I my mother ( XXXX XXXX ) purchased a vehicle for me. The finance company was Tidewater XXXX XXXX based in XXXX XXXX VA. The loans was for 60 months in term and XXXX monthly. So I had been using my debit card to pay every month. I started to run into financial difficulties in XXXX and then finally filed for bankruptcy in XX/XX/XXXX. 

There was a " stay '' that was in place to protect me for 90 days until the debts are discharged. Throughout the period from the time I filed on XX/XX/XXXX, I received several calls from Tidewater XXXX XXXX. I had two calls from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. They left messages on my voicemail demanding payment on every occasion. They also sent me a letter " Congratulating me on my Fresh Start with my bankruptcy ''. They also offered me {$15000.00} to purchase a new vehicle. They knew I filed bankruptcy. 

They finally came to repossess the vehicle on XX/XX/XXXX. I called them on the date of this complaint and they did could not give me information because I was not the owner of the loan is what they stated. So I asked them to return the payments that I had paid. They didn't say anything. So I notified that I would be filing the report. They violated the bankruptcy stay order.