davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

My father passed away on XX/XX/XXXX and I made mortgage payments until I was offered a forbearance plan by community loan servicing during covid. The forbearance period was from XXXX. I was made aware numerous times throughout the forebearance that the payments during the forbearance would be deferred in the form of balloon payments at the backend of the loan. I also provided community loan servicing with successor in interest documents as well as my fathers death certificate. In XXXX of XXXX, a payment deferral option was offered by community loan servicing. I then received a letter from an attorney threatening foreclosure if I didn't pay all of past due forebearance payments and an additional nearly {$7000.00} in attorney fees when the attorney hadn't done anything! At the same time I received a letter from community loan servicing that I was getting a loan modification and that I needed to make three trial payments ( starting in XXXX ) to complete the loan modification and not have the home foreclosed. The loan was then transferred to Nationstar/ Mr.Cooper/Rightpath. I still completed all three trial payments. All three were deducted from my account as paid, yet Rightpath says the last payment in XXXX was returned as insufficient funds. Rightpath also told me that they could accept my payments but they could not talk to me about the account because I had not shown them successor in interest documentation. I told them I had already done this with community loan servicing. They said documents were transferred to them by someone at community loan servicing by taking pictures with their cell phone and emailing the pictures, and the pictures of my documents were not good pictures so I needed to send them again. They also said that my loan modification had been denied because they did not receive an application along with successor in interest documents but I was never asked to do this by community loan servicing when the trial period began.
Consumer complaint received 2019-12-19
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. (NV)

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$690.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, this account is well over ( 7 ) years old and second, I have not had a XXXX account since college which was many years ago. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-19
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. (GA)

I have been trying to dispute these items on my own with the companies but i havent had any success.Please delete and block these two accounts for my credit report : XXXX XXXX XXXX {$3400.00} XXXX XXXX {$1200.00}
Consumer complaint received 2019-12-19
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$9100.00}, {$9700.00}, {$1800.00}, {$1800.00}, {$6100.00}, {$5100.00}, {$22000.00}, {$53000.00}, {$35000.00}, {$7400.00}, {$7800.00}, {$38000.00}, {$41000.00}, {$21000.00}, {$33000.00}, {$38000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$6100.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$5100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$22000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$53000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7400.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7800.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

14. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$41000.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$21000.00} -This is not my account. 

16. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$33000.00} -This is not my account. 

17. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

18. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$19000.00} -This is not my account.
Consumer complaint received 2019-12-19
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-19
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-19
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. (NV)

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$690.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, this account is well over ( 7 ) years old and second, I have not had a XXXX account since college which was many years ago. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account number 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 an account without my written instructions.
Consumer complaint received 2019-12-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (TN)

I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.
Consumer complaint received 2019-12-19
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I had a checking and savings accounts with JPMorgan Chase Bank, N.A. I deposited a check signed by my father in the amount of {$30000.00} on XX/XX/2019 that was made out to me. The payor bank was XXXX XXXX XXXX. XXXX XXXX XXXX on XX/XX/2019 immediately transferred the funds of {$30000.00} to Chase Bank. Chase Bank used a computer program software called " XXXX '' to " hack '' and " cybertheft '' two checks of my father 's XXXX XXXX XXXX checking account without his prior consent. Based on those two cybertheft checks, Chase Bank stole {$30000.00} from my checking account and refused to return the money. Chase Bank claimed that the signature on the deposited check was " forged ''. Chase Bank without cause closed my checking account on XX/XX/2019. Chase Bank never proved the allegation of forgery on that check. I tried to recover the funds directly from Chase Bank because the money was earmarked to pay for my father 's funeral and burial expenses, however, Chase Bank refused to return the money. My father 's funeral and burial arrangements had to be delayed for six weeks. Eventually, I had to initiate a arbitration claim against Chase Bank to recover the money and other damages caused by Chase Bank 's refusal to return the money. The arbitrator forced Chase Bank to return the money with interest for the eleven months Chase Bank had stole the money. However, the arbitrator refused to force Chase Bank to pay for other damages such as emotional distress, interference with my father 's funeral arrangements, closure of my checking account, interference with my ACH agreements with third parties, Chase Bank 's illegal discovery of private banking documents ( tax forms and bank balance ) from my father 's XXXX XXXXXXXX XXXX  checking account. I am entitled to recover the other damages that the arbitrator refused to force Chase Bank to pay. I am submitting this complaint requesting the CFPB to assist me in the recovery of {>= $1,000,000} from Chase Bank for its criminal activities. Chase Bank should not be licensed or chartered to do business with the public. I firmly believe that Chase Bank 's actions were motivated by XXXX discrimination against me that a XXXX man having {$30000.00} being deposited in his checking account must be the result of some illegal activities on the XXXX man 's part. XXXX people do not have that kind of money legally. Chase Bank has had a history of discrimination claims brought by XXXX employees that resulted in a {>= $1,000,000} settlement. Chase Bank has had history of discriminating against poor and XXXX customers such as refusing to provide " private client '' customer perks to the poor and XXXX customers.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services is seeking {$3200.00} for an account that was opened XX/XX/2022 with what looks like XXXX XXXX. I have never opened an account with XXXX or have I ever been late for any type of debt payments. Looking to get this removed from credit report as it is not me.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

I reached out to American Financing to assist me in getting a loan for a refinance. I gave them all the information that they requested. However, through the entire process, it has been a struggle to get any communication. I have to call multiple times per day and email to get any communication. It is always " I will call you back. '' Calls are not returned. On XX/XX/2019, we set to close. We signed the papers and we were told that the money would be electronically transferred the next day. It has yet to happen and yet again I can't get anyone to answer calls. I talked to someone named XXXX about it and he said he would try to get things sorted out. However, I have not heard anything. I do not know if the money is coming or when. They make false promises.
Consumer complaint received 2018-03-02
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)

My husband and I took out a joint loan for a XXXX XXXX ' XXXX. After two weeks, I discovered that I was mislead and told false information to get me to purchase the timeshare which is considered illegal. After about 1 year of complaints, and time and money spent on a lawyer, XXXX XXXX agreed to take back there timeshare and stated in a contract that I will not be financially responsible for any late payments or maintenance fees. My husband and I have now disputed our credit file for the past 3 years trying to get our credit file to get this account removed or updated to have the past due payments removed off our account. I am not liable for any past due payments due to the signed agreement, therefore no late payments should have been reported on my account. I never paid this account late, I was told by my lawyer that XXXX XXXX canceled my account so I stopped paying believe everything was settled and complete. But I never received any documents from XXXX XXXX so I finally had to make complaint with BBB against XXXX XXXX, then I finally received a verbal and written letter that our loan and contract was canceled and that we will be no longer be liable for any past due and future obligations. We had to sign and notarize the letter. I have provided several documents of proof to Experian over the past 3 years and I always get the same answer regarding the dispute, file is reporting accurately. But it is not. When you call Experian, you either get a dial tone, someone who doesn't understand or you get transferred and sit on hold for hours. I would like the CFPB to please investigate my dispute with Experian, I just really need help in this matter. Our credit is being destroyed because of this one invalid negative item on our credit files.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-01-23
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. (FL)

Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, Equifax and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

I have been a member with USAA for over 25 years. Have always had excellent credit. I have been late on a credit card payment by only a few days maybe XXXX times in 20 years. NEVER multiple billing cycles. I set up automatic payment in late XXXX or early XXXX of 2022. USAA never contacted me to let me know it was not set up correctly. They claim they sent XXXX letters in XXXX and XXXX notifying me of an outstanding balance - I never received this. However, I have received multiple emails and letters from my insurance through USAA - nothing that there was something amiss with my credit card. 
I have spoke with USAA for over XXXX hours today- they tell me there is nothing they are willing do to do rectify this. I am requesting I set up automatic payment correctly, USAA did not notify me there was a problem with my account or a deliquincy, I need this rectified. 

Thank you