davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

We are doing a short sale and the Mr. Cooper Mortgage says they have canceled the foreclosure sale until after the short sale.

They did an appraisal and it came to {$720000.00}. The appraisal company did not take into consideration the {$170000.00}, repair estimate to remove the leaking Septic Tank and other repairs. 
We received an offer for {$700000.00}, They refused to accept it, but says they will try to sell it for more at an auction, but if offer from the auction is not more than this buyer 's offer, they will revert back to this buyer who is already in escrow for months. 
The highest price at the auction was {$660000.00}, and I am asking them to revert back to the buyer that has a higher offer of {$700000.00}, but they say they would rather foreclose and I have never seen such unfair policy and decision before. 

I want them to give the buyer with a higher offer to close.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

XXXX XXXX management failed to comply with fair debt collection practices act, 15 USC 1692g. XXXX XX/XX/2022, I included in my validation of debt letter request of date of original charge off or delinquency and signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Company failed to respond with requests,
Consumer complaint received 2020-04-10
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : 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. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX UNIVERSITY   {$730.00} XXXX/XXXX  {$11000.00} XXXX XXXX XXXX/DEPT {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX {$460.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX {$780.00} 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.

Enclosed are the following : 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 Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2020-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, XXXX XXXX XXXX, Capital One Auto Finance. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, Capital One Auto Finance. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On Wednesday, XX/XX/XXXX at about XXXX pm, I received an email from Wells Fargo that a wire transfer in the amount of {$22.00}, XXXX had been initiated on one of my Business Accounts. I immediately called Wells Fargo. I was on hold for XXXX minutes awaiting service due to " unusually high call volumes ''. Once connected I asked for a fraud representative. I told the man, " XXXX '' that I had not approved this wire transfer. He attempted to stop it as it was " in progress ''. He thought he had stopped it but handed me off to a more senior level fraud person, " XXXX '' who told me it was not in progress but had been completed. The fraud transaction was likely happening while I was on hold. I have never run a wire transfer out of this account, I only use it to hold funds, then transfer them to another account for wiring. I immediately filed a claim and they told me I would have to wait ten days for a decision. I received the decision today, XX/XX/XXXX, denying my claim and advising me that either I did the wire, or someone using my password and username did the transfer. Of course someone had my password and username, but their algorithms should have caught the transaction as it did not fit with my profile and was obvious fraud.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (OK)

For several months now debt collection agencies have been trying to get me to pay a medical bill that is not mine. They are trying to get me to pay a bill from XXXX XXXX XXXX where I have never been seen or treated. My oldest daughter that is XXXX was treated there and some how the hospital has my information and has given this out to all the debt collecting agencies. I have told them numerous times that this is not my bill, I have never been to nor have ever been treated there and to remove me from the accounts. They say they will then one week later they are sending me texts and calls. I pay my bills. I flat out refuse to pay a bill for someone else. I am not responsible for anyone 's debt.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

Trying to sell some of my real estate that has a loan through Caliber Home Loans. Title Co. has found an issue with the legal on the open mortgage. needing to get legal description issue resolved so i can sell a portion of the property. Myself and Title company have sent the needed information to clear up the issue but lender has not fixed issue in 5 months.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (FL)

On XX/XX/2020 I received a letter from National Enterprise Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National Enterprise Systems. I sent National Enterprise Systems a disputed letter and in that same letter I also asked for them to send me an Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with National Enterprise Services.
Consumer complaint received 2020-04-10
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. (FL)

I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

To whom it may concern, Regarding a fraudulent reliacard through U.S. bank put in my name by someone to claim my unemployment. The card stated in the letter is a different card number then my original card number. The one in the letter is card ID XXXX it is a fraudulent card being possibly used by someone else trying to claim my unemployment. Please investigate this and cancel this card for me. As the company US bank will not answer there phone. They pick up line after animated computer picks up then it stays silent with no recording of being on hold or taking a message. 

My email address : XXXX XXXX XXXX. 
If I can I will send you a copy of this letter. 
Thank you for your time and patience. 
XXXX XXXX
Consumer complaint received 2020-03-30
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. (TX)

remove the FTC violations attached are the violations att : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I let someone deposit a stimulus check into my bank account. I wasn't aware of the check closing my account because I thought the check was valid, even though it didn't have my name on it I thought since it was a legit check it would go through, which it did. The check deposited instant and I gave this person my card to get their money off and never seen them again. So, a few days after this I was trying to login on my mobile app and wasn't able to do so. Once I spoke with someone, they let me know the account was closed and, in the negatives, due to the check not being valid. So, I've been without a bank up until now. After, I got the funds I went into Bank of America, and they told me to call these people to get instructions on how to get a balance off an old account. I paid {$1200.00} on XX/XX/XXXX. The man told me I should be good to go apply to another bank once the payment is processed but, I wouldn't be able to bank with BOA again. So, now I've been trying to open a new account with XXXX XXXX and can't seem to do so since this is on file. I've received the report, but I didn't see anything stated being fraudulent. And I need this issue resolved because I opened an account and deposited money into my XXXX XXXX  account and received my card. However, I can't login into the account or use my card due to this issue.
Consumer complaint received 2020-04-10
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. (CA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX XXXX$600.00} Opened XX/XX/XXXX 2019
Consumer complaint received 2022-12-29
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. (MI)

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. 


Account name : # XXXX Account name : # XXXX Account name : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-17
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
The XXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...
Consumer complaint received 2020-04-10
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. (CO)

Equifax is reporting a duplicate XXXX XXXX account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XXXX  2018 and one still has a balance of {$950.00}. I have no open account with XXXX XXXX. I have called XXXX and notified them of the problem, they insist they are reporting it correctly and it is on Equifax to fix. I disputed it several times in writing with Equifax and they insist that is how XXXX is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-03-30
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. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-30
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)

The same reported issues with Experian reporting and information. I have addresses on my report that I have never resided in. One address is a vacant lot, obviously used to attempt accounts setup in my name. 

** Experian would not update On XX/XX/20 an update ( reported by XXXX ) to my Experian account a balance decrease of {$620.00}, no increase to my score a 12 % utilization to 0 On XX/XX/20 same ( reported by XXXX ) reports an increase of {$14.00} to my balance and Experian reports a 6 point drop in my credit score a 0 utilization to 1 % on this card No other agency reported a drop, Experian needs and should be investigated this smells bad this is not fair reporting does not appear Experian is doing the right thing for consumers Do the math .. .bad business and should be investigated
Consumer complaint received 2021-10-18
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. (MN)

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXX XXXX  XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

i have been trying to get in contact with these companies that claim that i am in debt to them to tell them that the debt is not mine. i have sent in many documents stating the obvious errors concluding the inaccuracies of the account. i have noticed this for quite some time and the information is incomplete. it has taken a toll on me financially. My lawyer has been notified to stop the company from contacting me and i kindly demand your quick response and to remove these accounts from my reports ASAP. Thank you.
Consumer complaint received 2023-01-31
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)

company discriminates against similarly situated persons : XXXX XXXX XXXX XXXX in the evaulation granting of credit, credit limit. i have excellent credit history in general and with this company. i have had the product advertised as a product with higher credit limit and regular credit limit increases to qualified customers. company denied my request to increase my starting credit limit from {$500.00} 24 times, over 13 months. the company, s advertising promoted this product deceptively. this product is not the product i thought i was applying for, as well.
Consumer complaint received 2020-03-30
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: ALLY FINANCIAL INC. (CA)

On XX/XX/2020 I received a Hard Inquiry by these companies : Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.