davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention a serious error that has occurred on my credit file. It has come to my notice that a bankruptcy entry has been incorrectly placed on my credit file with your court. This bankruptcy claim does not pertain to me, as I have never filed for bankruptcy, nor have I ever been involved in any bankruptcy proceedings. 

I kindly request your immediate assistance in rectifying this mistake by removing the erroneous bankruptcy entry from my credit file as soon as possible. The inaccurate information has severely affected my creditworthiness and has caused unnecessary stress and inconvenience. I believe this error is damaging to my financial reputation and has the potential to hinder my ability to secure credit in the future. 

I am attaching a copy of my credit report highlighting the incorrect bankruptcy entry for your reference. I kindly request that you conduct a thorough investigation into this matter and promptly update my credit file with the correct information, confirming the removal of the erroneous bankruptcy entry. 

Additionally, I would appreciate it if you could provide me with written confirmation once the correction has been made and the incorrect bankruptcy entry has been removed from my credit file. This confirmation is crucial for my records and peace of mind. 

I would like to thank you in advance for your prompt attention to this matter. Your assistance in resolving this issue is highly appreciated. If you require any further information from my end to expedite this process, please do not hesitate to contact me by email at XXXX I trust that this matter will be resolved expediently, and I look forward to receiving confirmation of the correction.Thank you for your understanding and cooperation.
Consumer complaint received 2022-06-03
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. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX 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
Consumer complaint received 2022-12-18
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: Resurgent Capital Services L.P. (PA)

I have a credit card on my account that is not mines LVNV funding and Penn credit which is XXXX I was XXXX  from XX/XX/XXXX and I did not get out of XXXX  until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove
Consumer complaint received 2022-12-18
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. (KY)

Account Name : XXXX XXXX, has violated my rights. 
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 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 information is inaccurate
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (UT)

On XX/XX/XXXX I was struggling paying my mortgage. I couldnt find a job due to Covid-19. I applied for financial mortgage assistance with my mortgage company, PHH MORTGAGE CORPORATION. They approved six months of forbearance, but later that year they sent me a notice saying that my application was denied because I missed one payment during the trial period. I explained to PHH that my bank did not sent my auto-pay because PHH changed its name on XX/XX/XXXX from PHH MORTGAGE SERVICES TO PHH MORTGAGE CORPORATION . Phh did not accepted my explanation and demanded for the full balance due of {$8000.00}. 
On XX/XX/XXXX, I applied for a deferment of the XXXX balance on my home loan # XXXX and to consider that my finances have increased significantly compared to when we first applied for mortgage assistance at the beginningof the year XXXX. They denied my application due to missed payment On the trial period on XX/XX/XXXX, which is exactly the day the company changed its name. I applied again on XX/XX/XXXX and again on XX/XX/XXXX and my application was denied again for the same exact reason, saying I failed to make a payment during the trial period in the last 12 months. I call back and they told me to apply again in XX/XX/XXXX, which is out of the 12 months after the missed payment. So I did, but again it was denied with the same exact reason. I call back today and applied again for a loan modification. They offered me a payment plan of XXXX per month. I requests to do it for XXXX instead. They couldnt do it. So I applied for a loan modification and were asked to wait for 10 days for the writers to review and respond. 
Mind-time I have sent monthly payments, but they all have been returned demanding to pay the full amount owed, which now is a total of {$14000.00}. Please Help!
Consumer complaint received 2022-12-18
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: FIRST PORTFOLIO SERVICING INC (WV)

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX   XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}
Consumer complaint received 2019-07-11
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. (TX)

Equifax and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have 2 credit cards with Capital One bank. I paid my credit cards from the same account. Capital One is holding the credit from one of the cards. I spoke with XXXX whose corporate # is XXXX XXXX and ask to have my credit released. She stated that since I had money returned last month they would hold the credit on my card. I told her if they are able to take the money for the first credit card then the funds are there for the second credit card! 

She said that was in the terms and conditions but this is my money that I am asking to be released! I hate Capital One! I hope that the entire bank goes under for the unfair business practices that they incorporate! I encourage any and everyone to stay away from this bank!!!!!
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Robinson, Reagan and Young PLLC (GA)

XXXX. XXXX, 2016 ( 6 yrs ) Account status Open Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX {$550.00} Closed No Info
Consumer complaint received 2024-02-18
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. (NC)

Incorrect addresses, incorrect amounts, collection companies harassment and threatening to sue after they bought my collections, reporting in my credit report without authorization, incorrect names, non removal of student loans, collections, medical bills from my credit report and overly use of fraud with my credit union.
Consumer complaint received 2022-12-18
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. (VA)

XXXX XXXX XXXX has reported I owe them money in the amount of $ XXXX.I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-11
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. (MO)

XXXX ; Experian and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

on XX/XX/20 I RECEIVED A PHONE CALL FROM A DEBT COLLECTOR NAMED XXXX XXXX AND SHE SAID SHE WAS CALLING FROM EVERGREEN COLLECTIONS. SHE ASK FOR MY BY NAME AND I SAID YES ITS ME BUT THEN PROCEED TO DISCLOSE MY INFO WITHOUT PROPERLY VERIFYING IF THIS WAS ME OR NOT AND WHATS WORST SHE DID NOT GAVE ME MY MINI MIRANDA RIGHTS REQUIRED BY LAW TO DISCLOSE ON EACH AND EVERY CALL. 

I CALLED BACK AND ASK TO SPEAK TO A SUP AND XXXX GOT ON THE PHONE SAYING HE WAS A MANAGER AND INFORMED HIM ON HOW HIS COLLECTOR DID NOT VERIFY ME AND DID NOT DISCLOSE THE MINI MIRANDA AND HOW THIS IS A VIOLATION PER THE FDCPA. XXXX SAID HE WILL CHECK INTO THE RECORDING AND HE STATED HE WILL GET BACK TO ME AT HIS EARLIEST CONVENIENCE AND I TOLD HIM THAT WAS NOT ACCEPTABLE AS THEY ALWAYS CALL ME AT EVERY HOUR. I ASK TO SPEAK TO HIS SUPERVISOR AND HE STATES HE WAS NOT IN AND REFUSED TO LET ME SPEAK TO ANY OTHER PERSON BUT HIM AND PROCEEDED TO LAUGH AT ME. 

I INFORMED HIM I WILL CONTACT THE ATTORNEY GENERAL AND THE FDCPA SINCE HE WAS NOT WILLING TO RESOLVE MY ISSUE AND WHAT HIS COLLECTOR IS AGAINST THE LAW. 

I WANT THESE COMPANY TO PAY THE {$1000.00} FINE FOR NOT DISCLOSING THE MINI MIRANDA AND WHAT OTHER FINES MAY BE ADDED FOR THEM NOT PROPERLY VERIFYING ME.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-17
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I made a withdrawal of {$750.00} out of my banking account with my debit card. After about 3 hours, I received a call that showed up as Wells Fargo which is who I banked with at XXXX. The phone number was ( XXXX ) XXXX which I have the call log for. While I was talking on the phone the lady was informing me that they noticed a charge used in XXXX and if it was me. I said no that wasn't me, so they said ok they will freeze my card and they would replace it. During the call, she was telling me personal information about me to prove that she was legitimate. Personal information such as my address, my first 6 numbers of my social security card, and other info, so I believed her so when she asked for my PIN, I didn't think about it and gave it to her. Shortly after, she said I would be receiving a confirmation text with a code and to give her the code and to also not log on my banking account. During this time, I had a gut feeling something was off so I didn't tell her that text code. I then told her that I would call the bank on the back of my card or a number listed online. She was trying to say that she was legitimate and she kind of seemed desperate to keep me on which was a red flag. I hung up on her and immediately called the back of my card and informed them of the issue. After about 2 hours on the phone, the representative closed the account and made a new account for me. While I was looking at charges on the app to figure out what they did. I noticed they withdrew {$240.00} from my banking account and transferred my savings into my checking which I am assuming that was why they wanted that text message code that luckily I didn't give them. I was really fortunate on taking out that {$750.00} because they couldn't take out more than the {$240.00} due to the daily limit. When I looked at the details of the changes, it showed that the charges were done at a ATM in XXXX while I was at work in XXXX. About 1-2 weeks later, I received a notice from my bank saying that the charges were made using with my card and the PIN that I dumbly gave them so they said it must of been me or someone who had my debit card. I still had my card so that wasn't true, however I did ask for a replacement for my debit card which I didn't receive at all which was suspicious. I am not sure if they skimmed my card somewhere or used my replacement card. When I called the bank fraud line to dispute it, XXXX said unfortunately he couldn't help and that it wasn't possible for them to copy my chip so it must of been me that made the charge. If it was me, why would I do another withdrawal and go do the extra steps to transfer my savings to my checking when I could of just done them through my app.
Consumer complaint received 2022-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

My issues started when my mortgage company was Mr cooper and I signed up for their covid forbearance program for the 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I returned to work and called Mr Cooper multiple times, each time I was told that they were working on the resolution of my program and it would be fixed within 30 days. It was never fixed. I made each and every payment after my three month forbearance on time and sent extra each month. I was told my payments would return to normal and the three months I did not make a payment would be attached to the end of my loan extending it. I started to get demand letters from Mr Cooper XX/XX/XXXX, I also received a deferral agreement for the past due amount dated for the same date. They reported me to the credit beaure twice. I spoke with a representative each time I received a letter. They transferred my mortgage to Right path XX/XX/XXXX without this issue being resolved and had to start all over with them explaining I have never been late on payments that I did the forbearance program. I couldn't get through to a person because the automated phone said I wasn't a customer. I emailed them on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative named XXXX and another XXXX in Florida on XXXX. Without a resolution. On XXXX I received a letter from Mr Cooper stating their demand letters were in error. 
They made a modification of my payments and lowered them to XXXX for the last three months. I explained to the representative that I did not need or want my payments lowered that I have not been late on a payment yet and send extra. She said I had no choice If I wanted this issue fixed so I agreed. When I look it says modifications of payments is complete and they will have sent me documents in ten days this has been almost three weeks and I have not received documents and my account on the web site says I am still behind in payments. Plus there are unapplied funds every month that I don't understand ranging from XXXX to XXXX. 
When they transferred my mortgage from Mr Cooper to Right path all my online communications were gone. I'm not sure what to do with this mortgage company but feel I need someone to help me resolve this issue because the right hand does not know what the left is doing in their company and they are now effecting my credit.