davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
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: JPMORGAN CHASE & CO. (FL)

Chase Bank is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I discovered that XXXX XXXX XXXXXXXX XXXX, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A. (MI)

XXXX  XX/XX/2020 I called my bank asking them to make arrangements to cash a check for {$20000.00}. They told me they could only do a check for {$5000.00} at their branch, and I could get additional funds at a different branch. I talked with that branch and made arrangements to get {$5000.00} through their drive through. I then went to my local branch, and they refused to cash my check for {$5000.00}. They said they did not have that much cash in bills {$50.00}. or under ( which is specifically what I requested ). I have more than {$32000.00} in the account and the account has had that amount for a very long time. That is not a recent deposit. The branch manager at my local branch had gotten on the phone and tried to talk me out of taking my money out. This complaint is that my local branch 1 ) told me I could take out {$5000.00} from their branch and additional funds from the main branch, and then 2 ) refused to cash my check when I drove into town to cash the check. I feel I have been discriminated against because of my age ( I am a senior citizen ) and because the branch manager did not want me to take my money out. If they really don't have {$5000.00} in cash, they should not be a bank and I feel I should alert the world via XXXX   and XXXX  that they have run out of money.
Consumer complaint received 2020-03-23
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. (NY)

Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2022-12-28
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. (GA)

My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2020-04-02
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-04-02
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I am filing a second complaint with CFPB against NewRez dba Shellpoint because CFBP closed my first complaint XXXX while not one of my concerns were addressed by NewRez dba Shellpoint.

I am disappointed that CFPB would close my complaint without ANY rele
vant response from NewRez dba Shellpoint. 

Please see my first complaint filed with CFPB, complaint number noted above. 

In a nutshell : On XX/XX/XXXX, NewRez dba transferred a mortgage totaling {$380000.00} ( account number XXXX ) to me as the mortgage holder and owner of a property when I did not own the property and the first deed of trust loan was more than satisfied and paid off to a XXXX   balance. 

NewRez dba Shellpoint said in their response to my first complaint that there was a zero balance on the mortgage/loan under my name XX/XX/XXXX when the property was sold. I did not sell the property on that date because I was not the owner. Again, my loan had shown a zero balance XX/XX/XXXX. NewRez dba transferred the new loan to me in error. I was not the owner. 

I had received a XXXX, IRS form 1099A from XXXX, that I have submitted with this complaint that proves that the property was owned by XXXX XXXX XXXX XXXX  XXXX after XX/XX/XXXX. I filed that correct IRS form 1099A for XXXX with my XXXX federal and state taxes. 

To my horror, I received a XXXX IRS form 1098 in XX/XX/XXXX from NewRez dba Shellpoint (  NewRez had purchased XXXX ) showing me as the owner/mortgage holder. NewRez dba Shellpoint in their response to my first complaint CFPB XXXX that the IRS form XXXX, 1098 was sent to me by mistake and I should ignore. This is not acceptable. I can not and will not ignore the XXXX, 1098. I demand a corrected form showing my name with a XXXX amount in box 2 (  Outstanding Mortgage Principal ) and no date in box 3 ( Mortgage Origination Date ) and XXXX amount in box 10 ( Other, because I did not pay into an escrow account for property tax of {$2100.00} ) and no date in box 11 ( Mortgage Acquisition Date ). As the provider of the XXXX, IRS form 1098, NewRez must follow legal IRS procedure, send me a corrected form and can not not simply tell the me, the recipient and taxpayer, to " ignore '' the form. 
I have filed complaints against NewRez dba Shellpoint with the Attorneys General of Pennsylvania, California and South. Carolina.
Consumer complaint received 2020-04-02
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my report.
Consumer complaint received 2020-03-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

US Bank is committing multiple violations under the Fair Credit Reporting Act. 

I am writing to request your help. They are reporting false and erroneous information to the credit bureaus. Please see some of the violations bellow : - Failing to investigate account - Failing to send late notice by mail as requires the California Credit Reporting Act.

- Negligence - Breach of contract Their wrong report is affecting me in a huge way. Its affecting not only my credit score, but also my psychological health. 

Please send the attached documents to US Bank. 

Thank you so much!
Consumer complaint received 2020-03-23
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. (CO)

I have been disputing incorrect items on my TransUnion Credit report. I have directly contacted the creditor, XXXX XXXX XXXX XXXX XXXX to verify that these 2 accounts are NOT Adverse accounts and have actually been paid off in good standing, never late and paid in full by myself. I filed the first dispute on XX/XX/XXXX and verified that these accounts were paid in full and NOT closed due to a Bankruptcy. Transunion did not change the status of these accounts. I filed another dispute on XX/XX/XXXX and mailed in more supporting documentation ( Bank statements showing both accounts paid in full, Mortgage Refinancing documentation that showed funds from my refinance paying off one of the XXXX XXXX accounts, Chapter XXXX documentation that verified that XXXX XXXX was NOT a creditor in my filing, as I paid all XXXX XXXX accounts outside of the Chapter XXXX ). They again, have refused to change these accounts on my credit report. I contacted the manager at XXXX XXXX XXXX XXXX XXXX that personally contacted Transunion and verified that all of my accounts were/are in good standing and paid in full. Again, Transunion will not change the status of these accounts. I filed another dispute on XX/XX/XXXX with the writtten documentation from XXXX XXXX XXXX XXXX XXXX that these accounts are in good standing and paid in full. I spoke with Transunion representatives both on XX/XX/XXXX and XX/XX/XXXX and they told me they are not changing the status of these accounts, even with files and files of documentation from bank statements, formal written communication from the credit union, etc. Transunion refuses to change these accounts and therefore, I wish to file a claim against them and if not satisfied, I will then proceed with filing a legal lawsuit again Transunion, as it has now cost me thousands of dollars lost due to the decrease in my credit report score. I have included in this form, all of the documentation I have sent Transunion, including bank statements showing payoff dates/amounts, refinancing paperwork showing payoff to XXXX XXXX on the second mortgage account, Chapter XXXX discharge ( XXXX XXXX was never a creditor in this case, as I paid all XXXX XXXX accounts myself ) and a written statement from XXXX XXXX that these accounts were paid in full and NOT closed due to the Bankruptcy.
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (GA)

On XX/XX/XXXX, I was laid off from my XXXX XXXX position. While trying to look for work and applying for XXXX XXXX related positions, President Trump issued a government shutdown. I immediately contacted my mortgage company, now BOK Financial. I informed them of the impending issue and signed up for their payment plan. They informed me that they would not publish the payments as late and this was a matter that was not of my own doing.I was able to obtain new employment XX/XX/XXXX. Once my first check arrived in XXXX, I began paying as requested in my payment plan. My last outstanding payment was completed in XX/XX/XXXX. So why do I bring this to your attention now? I worked hard to fight and raised my credit score so that I could be in a better standing. Now, I am being told that I had to have maintained 12 months positive payment history without a single late notice to apply for a new VA home loan for my growing family.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Called USAA earlier today, XX/XX/XXXX, to explain that I had been laid off work due to COVID-19. I have an automated draft of {$350.00} that should post in two days and wanted to know what financial options were offered, because the funds are NOT currently available in my account. I was told that I do not qualify for anything because they need at least four days notice to stop automated drafts. I was also informed that if I do not pay amount due in 15days a late fee will be charged and if after 30 days that I would be reported to the credit bureau. The representative placed me on hold to consult with a higher official. Unfortunately, the results were the same. No postponement or waiver of late fees after the standard fifteen day grace period, EVEN WITH COVID-19 situation!!

I will never again sign for automated drafts with this institution!!! It turns into a curse!!
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

NAME : XXXX XXXX EXPERIANXXXX DATE XXXX XX/XX/XXXX I have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (OH)

I have called my mortgage servicer Guaranteed Rate ( XXXX ) multiple times to verbally testify to financial distress related to the COVID-19 outbreak and they refuse to speak with me. When I call now my calls are disconnected automatically. 

The website as well as the automated message at the beginning of the call instruct me to apply for hardship assistance through a separate website ( XXXX ), which I have done, but after applying I discovered that I must submit multiple documents in order to show financial distress. Based on comments made by XXXX XXXX, the director of the Federal Housing Finance Agency, which oversees XXXX and XXXX, it is my understanding that people in financial distress because of the coronavirus can just verbally testify to that over the phone with their lender. 

This is not the case with Guaranteed Inc, and for this reason I am filing the current complaint. I believe they are intentionally not answering phone calls in an attempt to prevent borrowers from asking for hardship assistance.
Consumer complaint received 2020-03-23
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: LEXISNEXIS (MI)

My Complaint is Against All the Companies Listed Lexis Nexis,  XXXX, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent LexisNexis, XXXX, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Consumer complaint received 2022-12-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

A XXXX XXXX loan account ( 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.

Enclosed are the following : A copy of my credit report I received from your company. 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.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been unable to have several loan applications processed because my Transunion records are frozen. They put me on hold and don't answer. Their website has locked me out and won't accept my password because I am no longer a subscriber. I have not received a response to my email. They are deliberately holding my records hostage until I resubscribe. I am trying to obtain a loan ( with a FICO score over XXXX  ) to pay for services that will help me service the current COVID-19 crises. Transunion is preventing me from saving my life with appropriate, high-quality health-sustaining equipment.
Consumer complaint received 2022-12-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GL Financial, Inc. (GA)

I had a car contract with XXXX XXXX XXXX which required a cash down payment of {$3500.00} on XX/XX/2021. This is a violation of 15 USC 1662 ( B ) and also the contract does not have any disclosure for my right to rescind which is a violation of 15 USC 1635. XXXX XXXX XXXX sold the contract to XXXX. Financial without my consent. G. L. Financial has harassed my family and use aggressive tactics threatening to seize or take my vehicle this is a direct violation of 15 USC 1692 E ( 4 ) as to a threat is fraud and illegal in the collection of any debts this is a right secured to me by this code herein and the XXXX amendment of the US constitution. 

When I attempted to verify the debt, with G.L. Financial had a lawyer 's office, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, respond back using a scare tactic to get me to back off verifying the debt which is a direct violation of 15 USC 1692 E ( 3 ) with using false and deceptive means of communication. I have enclosed exhibits for proof of all claims.
Consumer complaint received 2020-03-23
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: DISCOVER BANK (CA)

My Discover Card debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both Discover and XXXX, have filed investigations with XXXX, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.