davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (CT)

I sent both copies of bill XXXX in full to Experian the bill was XXXX XXXX XXXX. Experian stated that I still owe XXXX which is not true I re sent Experian both copies by mail and they stated that there not changing my report, I sent same copies to XXXX and they posted that payment was played in full. I don't know how Experian does business.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Our mortgage forbearance ended with Mr Cooper who services a XXXX XXXX mortgage on XX/XX/2021. 
I have tried numbers times to talk to someone there. No one had helped me. I would like to put the balance due at back of mortgage and resume my payments. 
I believe it is a payment deferral. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mr Cooper # XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CT)

XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. Two external funds transfers in amount of {$50.00} brought the balance to {$190.00}. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.
Consumer complaint received 2022-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

I have been referred to a collections agency for services rendered by a XXXX  in 2020. At the time, I was unemployed as a result of the COVID-19 shutdowns and therefore eligible for and covered by XXXX. The XXXX  was aware of my insurance coverage and indicated that they would bill XXXX for the rendered services. Unfortunately, it appears that they did not bill XXXX for over a year after my visit, so their claim was denied. I was informed by XXXX that I am not responsible for the charges associated with this visit, but the XXXX XXXX referred me to a collections agency nonetheless. I have previously written them several letters explaining the error on their part, but they have been unresponsive. I ask for assistance regarding this matter. I am deeply concerned that my credit will be negatively impacted by this referral to collections.
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-04-15
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)

XXXX, Transunion and XXXX received electronically verification from XXXXl XXXX Credit Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, Transunion and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2020-03-26
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)

Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Consumer complaint received 2020-03-25
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. (OH)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

My personal information has been in so many data breaches. From XXXX XXXX XXXX XXXX  and even some collection agencies. I have received letters about free credit and personal information monitoring from XXXX XXXX XXXX XXXX. I have outstanding student loans and XXXX XXXX credit cards from XXXX. Every time I dispute something my credit goes down and problems stop there or information that does not belong to me. I seen address attached to my Info thats not mine and I placed freezes on my credit reports and still having new accounts.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

My significant other purchased a home in XXXX Az in XX/XX/1999. 
In the last 23 years, the servicer has changed several times currently Carrington Mortgage is serving us previously it was XXXX. 
I have occupied this residence with my significant other and paid the mortgage on the property since XX/XX/1999. 
My significant other passed away on XXXX. 
Upon confirming that I am the legal " successor in interest '' with Carrington Mortgage by presenting them with appropriate verified documents and their acknowledgment of them. 
Carrington Mortgage informed me I would not be allowed to have my name on the Mortgage unless I negotiate a brand-new Mortgage with them, in addition, I would not be reported as making payments on time to the credit bureaus even after I have been making payments on the Mortgage for the past 16 years.

Carrington Mortgage has deactivated the auto-pay access for the account.

I have to manually ( talk to an agent ) in order to make payments.

Carrington Mortgage has offered no help nor are they providing timely monthly statements.

I work and my job barely gets me home in time to make payment calls.

Manual payments are not accessible on weekends.

They're greedy and want a refi the mortgage because my monthly payment is under {$500.00} and 7 years to the end of the contract. 
Not to mention their need to appear profitable in order to make itself attractive to XXXX XXXX  which they are in the process of being acquired by. 
Are these actions by Carrington Mortgage legal? 
Is there any relief for my situation?
Consumer complaint received 2022-12-28
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)

Experian is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

Here is a copy of the previous complaint! 

Remove these two inquiries off of my credit file! 

XXXX. XXXX XXXX XXXX XXXX Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even afte is r several days of reporting this complaint to Experian. 

This is my third complaint and Experian has failed to remove unlawful identity theft inquiries off of my credit file!

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was enrolled with XXXX XXXX XXXX. Attached are statements verifying enrollment in the program and payments being made for this program ( Highlighted in yellow ). Also attached are the Terms & Conditions for the XXXX XXXX XXXX stating that during enrollment, minimum payments will be covered & fees will be waived. XXXX has reported INACCURATE INFORMATION. Upon calling XXXX, they agreed and stated to reach out to the credit bureaus. 

Account name : # 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 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

On or about XX/XX/2019, Citibank, N, A., via XXXX XXXX, induced me to apply and get their credit card with a special offer of {$200.00} reward bonus if I spend {$1000.00} in the first 90-day period. After I completed my part of the offer, they arbitrarily swish spending amount to {$1500.00} without informing me. I believe this is consumer fraud of bet and switch by the Citibank. This was all done on the line, they have all the documentation and I have none.
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NE)

For the last three weeks I have tried to call Sun Trust now Truist to discuss options during these hard times. Each time I give up after being on hold for five hours plus. After reading all the comments on there XXXX page Ive come to realize that any one calling in for relief due to the Corona Virus is experiencing the exact same thing. The customers that have won the lottery and actually have been able to speak with someone are only given the option to put the loan in forbearance for three months and then have all three months of payments due immediately. I understand that there a business so free to do what they want but when they flaunt on there website how there donating XXXX XXXX to help with the Corona Virus but unwilling to help there millions of customers thats just plain XXXX and a PR stunt to look good!!!
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was enrolled with XXXX XXXX XXXX. Attached are statements verifying enrollment in the program and payments being made for this program ( Highlighted in yellow ). Also attached are the Terms & Conditions for the XXXX XXXX XXXX stating that during enrollment, minimum payments will be covered & fees will be waived. XXXX has reported INACCURATE INFORMATION. Upon calling XXXX, they agreed and stated to reach out to the credit bureaus. 

Account name : # 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 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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

I have submitted multiple complaints and Im not giving up. I was defrauded by both ally and XXXX XXXX. The person that has been reviewing my complaint at ally isnt investigating the complaint as she should be fired. I have attached my contract and when you even add the numbers an extra {$400.00} was added. I have discussed this extra {$400.00} multiple times and they didnt care. This act is illegal in the truth and lending act and grounds for a contract to be terminated.
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

SunTrust / Truis is not being helpful with mortgage forbearance during the pandemic. I am out of work due to the Corona virus and am attempting to be pro-active in not falling behind with my mortgage. 

I have called Suntrust everyday since Friday XX/XX/XXXX. They have a special number for their Mortgage Solutions team XXXX. After being on hold for four hours the line automatically goes dead. This has happened to me three times now. I have no idea how to get a hold of a customer service agent to help me. 

This is not how a company should be run.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (NJ)

I have called Gregory Funding repeatedly over several years for their assistance in refinancing a 7.5 % {$860000.00} mortgage. They refuse to offer assistance at all. The say to go to another bank and refinance with them. This is a loan that was originated during the housing crises. The government has provided many different programs to consumers to refinance such loans, however, due to my low income, I can not get approved anywhere for a refinance. Gregory Funding holds this mortgage NOW. They refuse to even assist with lowering the 7.5 % interest rate when mortgages rates in todays market are between 3.5 - 4 %. My credit is excellent. Despite many obstacles ( housing crises, financial crises, medical issues, unemployment, hurricane Sandy, etc. ) I have remained steadfast in paying Gregory Funding over {$7000.00} a month for this mortgage. The least they could do, is assist me with locking in a lower rate. There are also issues with them placing insurance on the property when I already have sufficient insurance. They never answer their phones, except at the end of the month when payments are due. I do not understand how Gregory Funding gets to choose if it wants to comply with mandatory debt relief programs for people with predatory loans. Please please offer some assistance, if anything, with a lower interest rate. Thank you.
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 — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

NORDSTM/TD Account Number : XXXX. THE ACCOUNT LISTED IS AN ERRORS AND MIGHT BE FRAUD. THIS ACCOUNT ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.