davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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)

I the consumer XXXX XXXX, was the victim of identity theft and I have fraudulent accounts showing up on my consumer report as a result of the identity theft. Please block and remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

On XXXX XXXX I had contacted XXXX XXXX XXXX XXXX XXXX who owns the master servicing rights to our loan ( LOANCARE , LLC ) through this email that I found on Yelp ( there are HUNDREDS of complaints from people ) XXXX An automatic response email said they will investigate this - but NO FOLLOW UP. We would like to receive our OVERPAYMENT of escrow money of {$930.00}. I attached 2 documents to prove this amount. Loancare , LLC has previously tried to take over {$2000.00} of our overpayment of escrow money in XXXX. You will see the complaints I had to write to CFPB to get it returned - at that time, they did not pay our homeowners insurance, tried to charge us for late fees, etc. Here we are again, and they did not return our escrow money like they said they would. I had to contact the CFPB to get them to pay our homeowners insurance ( 2nd year in a row ) on XXXX XXXX, XXXX. The day I complained to CFPB ( XXXX XXXX ) was ironically the same day our homeowners insurance was paid. Loancare LIES - they lie through their teeth!!!!! It is impossible to talk to an actual human being - being put on hold for HOURS, getting disconnected ( hung up on ) there's no direct email to contact anyone - their website will take you in circles with no actual email or contact page that works. It's only through the CFPB that anything will ever get done when problems occur. We would like the return of our {$930.00} overpayment of our XXXX escrow money now. Thank you CFPB for helping us - yet again - with this highly unethical, corrupt, dishonest loan predator.
Consumer complaint received 2021-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 


I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

I have repeatedly tried to reach out to Experian from XX/XX/XXXX to today, XX/XX/XXXX. In an attempt to get my credit updated or corrected over 2 years. They refuse to allow anyone to dispute inaccurate information more than once and when it is disputed it's usually investigated within days if not less than hours and found to be accurate without providing any facts or validation to the customer disputing it. 
By law the credit repirting agency must provide information to validate thier investigation, to date none has ever been pro aided which violates FDCPA regulations. 
Experian refuses to update mu credit report for o er 76 days now and has also shown a non existent criminal history in my credit report which to this day has caused extreme repercussions for something that has never happened. 
Currently this is grounds for Federal prosecution in Supreme Court. 
This is not to be ignored.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (FL)

on XXXX, am writing to report fraudulent activity on my XXXX XXXX XXXX XXXX account, as protected under the following USC codes : USC 15 : Fair Credit Reporting Act ( FCRA ) - Pertaining to consumer rights and responsibilities in credit reporting. 
USC 1681b : FCRA Section 1681b - Addresses permissible purposes for consumer reports, ensuring accuracy, fairness, and privacy. 
USC 1666b : Electronic Fund Transfer Act ( EFTA ) - Protects consumers from unauthorized electronic fund transfers, including those on credit cards. 
USC 1692c : Fair Debt Collection Practices Act ( FDCPA ) - Regulates communication in connection with debt collection, including validation of debts. 
On [ date ], I noticed unauthorized transactions on my account with XXXX XXXXXXXX XXXX XXXX totaling [ amount ]. These transactions were not made by me and are therefore fraudulent. 

Upon discovering these unauthorized transactions, I immediately contacted XXXX XXXX 's customer service department on [ date ]. I spoke with a representative and informed them of the fraudulent activity on my account. I requested that the unauthorized charges be investigated and removed from my account. 

The representative assured me that they would initiate an investigation into the fraudulent charges and advised me to monitor my account for any further suspicious activity. They also provided me with information on how to dispute the charges and provided me with a reference number for the case. 

I have since been vigilant in monitoring my account for any additional unauthorized transactions. However, despite my efforts, I have not received any updates from XXXX XXXX regarding the status of the investigation or the resolution of the fraudulent charges. 

I am deeply concerned about the security of my account and the potential for further unauthorized activity. I urge XXXX XXXX to expedite their investigation into this matter and take the necessary steps to rectify the fraudulent charges on my account. XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$710.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Information Furthermore, I request that XXXX be notified of the account I am disputing and take appropriate actions to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX These USC codes are pertinent to the resolution of this matter and should be considered during the investigation process.
Consumer complaint received 2022-11-01
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. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

To Whom It May Concern, My name is XXXX XXXX XXXX, and I am in the process of refinancing my current home mortgage loan through XXXX XXXX XXXX XXXX. My current mortgage lender recently notified me of some disturbingly inconsistent news. 
They referenced a cancellation of Debt, which took place on XX/XX/XXXX, in the amount of {$160000.00}, which exceeded our principal balance of {$69000.00} that also included a secondary mortgage totaling {$11000.00}. We received the confirmation per the IRS explaining that the Debt was canceled on behalf of the mortgage company Ocwen Loan Servicing LLC. 
I contacted Ocwen to obtain clarification and guidance on how I should proceed with my mortgage payments. I was told that I did not receive credit for the cancellation of Debt for {$160000.00}. The only applicable credit was from the HAMP incentive program totaling {$5000.00}. I then continued making my monthly mortgage payments to Ocwen Loan Servicing LLC. 
On XX/XX/XXXX of XXXX, my mortgage loan was transferred from XXXX XXXX XXXX, previously known as ( Option One Mortgage ) to Ocwen Loan Servicing LLC. I had been with XXXX XXXX since the year XXXX and had a long-standing history. Before this transfer, my mortgage was under a HAMP Modification, which I received loan forgiveness leaving me with a principal balance of {$59000.00} and a deferment of {$10000.00}. 
Ocwen Loan Servicing LLC later became PHH Mortgage and XXXX XXXX ( my current Mortgage Loan provider ) for which I am beyond dissatisfied. Before XX/XX/XXXX, in the wake of the COVID Pandemic, I had been making my monthly mortgage payments faithfully. Due to the pandemic, I was forced to place my mortgage loan in deferment. While on deferment, I began exploring other options, which leads me to where I am today. I need to understand precisely where I stand as it relates to my total payoff balance. I need to be provided with the exact dollar amount. 
Thank You in advance for your urgent attention regarding this matter. 
Best Regards.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already  done to my financial future.
Consumer complaint received 2021-01-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (ME)

I started the process of a mortgage refinance with AmeriSave Mortgage on XX/XX/2020. My credit was checked at that time. I have paid for several inspections, as well as the appraisal on my home totaling over {$800.00}. 
Over the next two weeks I provided every document requested of me and the appraisal was completed on XX/XX/2020. 
Since then, there has been no movement on my loan and they are saying they are evaluating assets and my credit even a month later. 
I have tried several times over the past week to contact my loan officer, XXXX XXXX via email and telephone. I have left several voicemails and have not received any response. 
Today I called AmeriSave 's 1-888 number, the first time I was put on hold and the line went dead. The next few times I tried calling the line would go dead after just 2 rings. 
I Attempted to use the online chat feature and chatted with XXXX XXXX over the course of nearly an hour. During that time, he said that my loan number did not exist in the system, then later said that XXXX XXXX would contact me. When she finally did contact me, I was notified that I still do not have a closing date, and my interest rate is still not locked in despite the underwriting being completed. 
Upon further research, I found that AmeriSave has in the past been fined for doing a bait and switch scheme on customers and I am suspecting that this is still the case.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP (NY)

On the date XX/XX/XXXX of this year Unemployment released my payments to KEYBANK which than processs me to receive a card. KEYBANK NEVER SENT ME A CARD! They keep telling me unemployment never sent a email to the bank for my account to be unlocked! THATS NOT TRUE! UNEMPLOYMENT SENT NUMEROUS EMAILS TO KEYBANK FOR MY ACCOUNT TO BE UNLOCK AND I BELIEVE THEY DID SEND S EMAIL BECAUSE I STILL WAS RECEIVING AND STILL RECEIVING PAYMENTS BUT ITS ONLY DUE TO THE FACT I SWITCH THE OPTION TO GET DIRECT DEPOSIT! ITS OVER {$4000.00} that unemployment sent to key bank and the bank never even sent the bank back! Its to the point I call the bank they now telling me its {$0.00} in my account so wheres the money that was sent since XXXX?!?! Im so confused and I need help!
Consumer complaint received 2021-09-15
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. (NC)

hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.
Consumer complaint received 2021-01-04
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: California Business Bureau, Inc. (CA)

I have wrote All 3 credit bureaus and they have yet to respond to my certified letters which is in violation of the FCRA. There is information that does not belong to me on my credit report, an they have shown negligence and are causing me financial distress. 

XXXX  has a account that is listed twice that is not mines : 1. California business bureau- {$1500.00}. 
and 2 charge offs on all 3 credit bureaus that are not mines 2. XXXX XXXX- {$160.00}. 
3. XXXX XXXX {$840.00}
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I closed my checking account with Capital One on XX/XX/XXXX and Capital One re-opened my account on XX/XX/XXXX and posted a chargeback of XXXX because of a dispute I had that they had credited me for 3 weeks prior, then decided to take back, when they failed to do a proper investigation of XXXX, because my computer that I bought from them caught fire and I wanted my money back! I have all of the emails proving I did everything that Capital One asked of me, only for them to LIE and say I did not cooperate. Obviously Capital One forgot my emails are proof that they failed to do their job and lied about me not answering their questions via email. I told them repeatedly via phone call to close my account and they said they can not because of the chargeback they did and that when there is a dispute the account has to stay open for 60-90 days. Well if that's the case, account should be closed because the complaint was opened XX/XX/XXXX and it's now XX/XX/XXXX the 90 days is up! yet my account with the bogus chargeback is still open.Capital One knows about the stimulus checks coming obviously and they are trying to steal it! that's why they are refusing to close the account they reopened without my permission and are still refusing to close it! Instead they put a permanent restriction on my checking account, so if any money is deposited, I wont be able to get it. Capital One are liars and thieving crooks and it's because of them why my personal information is on the dark web!!!!
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade & Associates, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-09-15
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: Affirm Holdings, Inc (GA)

I would like to report that on my XXXX credit report appeared a company AFFIRM INC based in XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX CA showing a revolving credit that did NOT apply for. More over I have noticed 3 hard inquiries from XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX., XXXX XXXX that I did NOT place. I have contacted AFFIRM and they said they do not see such loan under my name, I have attempted to contact the other 3 companies about the hard inquiries unsuccessfully. I have also reported the issue to XXXX.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/2021 all trading was disabled on my Coinbase XXXX  account again, and my attempts to place a sell order resulted in the following error message : 'SELLS ARE DISABLED. ' On XX/XX/2021 at XXXX XXXX  I wrote to Coinbase support to report the issue ( Case # XXXX ). 
On XX/XX/2021 at XXXX XXXX  I received an email from Coinbase Support asking what error message ( s ) I was receiving, and/or to provide a screenshot of the issue and upon receipt of the information requested above, they would work hard to quickly address this issue ( ref : XXXX : ref ) On XX/XX/2021 at XXXX XXXX  I replied to Coinbase Support via email providing an attachment with a screenshot of the issue showing the error message 'SELLS ARE DISABLED. ' On XX/XX/2021 all trading is still disabled on my account when this was supposedly resolved after a previous complaint to the CFPB.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. 

There have been greater than 4 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 



The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address 3. This has been disputed to Equifax- and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, XXXX. 11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.
Consumer complaint received 2021-09-15
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: DISCOVER BANK (SC)

XXXX XXXX XXXX got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it. 

Discover financial services got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it.
Consumer complaint received 2021-01-04
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-11-01
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX