davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

And unauthorized credit file report sent to XXXX XXXX XXXX released by Trans Union on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through XXXX XXXX XXXX. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.
Consumer complaint received 2019-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

My loan was originated on XX/XX/XXXX for XXXX at 11 % interest through XXXX XXXX ( i think ) it has been almost 20 years. It was a second mortgage on a house we paid XXXX for in XXXX. This was to build an addition to the house which we did. Ocwen has owned the loan for years. Here is where the problem lies. This was a straight equity mortgage with 11 %. Nothing fancy just a straight 20 year loan. My first payment was in XXXX of XXXX. Here we are at almost 20 years later and my loan has only gone down by XXXX according to ocwen which is now phh. I never paid much attention to the balance till now I just paid it. My last payment shows they charged it all to interest nothing went on principle. I am being ripped off and after researching ocwen and how they have been doing to other people, like not crediting payments correctly etc. I feel that I fall into that category. I have paid on this loan for 20 years and have nothing to show for it on the balance sheet. This needs to be corrected and fixed immediately. Also i don't understand ltv but they have it really high at 76 %. That is also incorrectly miscalculated.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRUIST FINANCIAL CORPORATION (MD)

I XXXX XXXX and XXXX XXXX went to BB & T XX/XX/XXXX to close our over draft account that was left open I noticed when we got something in the mail from them. I called they said you need to go into the branch and close so I did. When I got there they handed me a statment and I said what is that for? She said it's a credit card. I said we don't have a bbt or sun trust. We closed all our accounts. She looked into more and she said this is old. I said we did bankruptcy  back XXXX but that's all discharged. The statement she printed shows close date XX/XX/XXXX balance {$7100.00} total due on XX/XX/XXXX if this is old and from bankruptcy that has been discharged I dont understand the statement she gave us. We waited on hold with her for main office for over hr she said she would call us later that day. I called last night bbt said I needed to call SunTrust. So I did with the number they provided XXXX XXXX XXXX. They first said this is ATM # then transfers us XXXX was on speaker phone with me. Next lady  says old dept and our over draft account was still open. We called again in morning ran circles with the whole thing again at the end she say this never comes off your records.
Consumer complaint received 2021-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

Explain why I was requested to pay the remaining down payment by Friday, XX/XX/2020 2 months before my closing date, and don't tell me again that it was voluntarily a deposit. FOR MY FHA TITLE II LOAN XXXX you gave me.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (CT)

Upon a credit check review for a mortgage qualification I was made aware of a collection account for   XXXX   XXXX   XXXX   in the amount of {$1100.00}. I contacted   XXXX   XXXX   XXXX   to get more information and was transferred to Glass Mountain Capital Collection. The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX   who sold it to   XXXX   XXXX   XXXX   which hired Glass Mountain Capital Collection. I told both Glass Mountain Capital &   XXXX   XXXX   XXXX   that I never purchased or did business with  XXXX  and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.
Consumer complaint received 2019-08-06
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)

XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX  XXXX
Consumer complaint received 2019-08-06
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. (NV)

XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX XXXX
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I have paid for Experian 's credit monitoring for the last 3 weeks. ( Today 's date XX/XX/2018 ) I have gotten alerts ( Which I have screen shots of ) and when I logged into my account I could not see what effected my credit. Then they had a tab that said new collections were filed with a total amount of {$370.00} due and when I clicked on the link to see what the " New collections '' were they only showed accounts that had been on my report for over 5 years. I am writing you because I feel that the company 's process or whatever you'd like to call it is manipulative. They send you an email stating your report has changed then dont provide any information as to why its changed. I believe this to be fraudulent and not a fair or honest way to practice reporting. I am bringing this information to light in hopes that it is looked into. If you need any help at all or need to call me I will provide my information below to assist with anything to help you investigate Experian. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RS Clark and Associates, Inc. (TX)

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is R.S. CLARK AND ASSOCIATES with no account number and a balance of {$260.00}. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/, XX/XX/, XX/XX/, XXXXXXXX  and XX/XX/. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Consumer complaint received 2021-12-10
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. (FL)

I submitted a few disputes with Equifax over account ( XXXX XXXX XXXX ) they are reporting and asked them for thorough investigation which by LAW they are to do. They have continuously replied back to me that it was verified so I made a complaint on CFPB XXXX XXXX and Equifax told me XXXX XXXX that they were doing an investigation and they sent me something I have yet to receive anything about an investigation ( no form of results from that investigation ) and I have proof they have not done their investigation because the same account they are still reporting as verified accurate as of XXXX XXXX was deleted by XXXX. So who verified that the information and deemed it accurate with Equifax?? Equifax has and is violating my consumer rights and has caused me so much damage, Willful noncompliance with my request for investigation. They are also reporting a XXXX  on my file and I want to know the METHOD OF VERIFICATION for that XXXX  who verified the account to Equifax?? Equifax is in clear violation of my consumer privacy rights they are not allowed to report XXXX or personal information that I havent given them permission to report 15 u.s.c 1681b Permissible purpose of consumer report.
Consumer complaint received 2021-12-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

See complaint no. XXXX. Assuming that you intent to record the instrument, please know that you are barred from doing so. XXXX requires that all mortgages, deed or other be notarized. The original document must contain the original notarization. XXXX clerk are NOT allowed to accept any mortgage, deed, or other that does not meet this requirement. The loan modification reveals it was not notarized, nor it reflect the legal description of the property. The instrument will never have enforceability in the State of Florida until the intangible & stamps are paid on the loan increase which you failed to pay, see Florida XXXX XXXX XXXX XXXX .Because no one acknowledge the instrument signatures, you are barred from recoding it at the XXXX XXXX office XXXX To refresh your memory I have attached the XXXX requirement to record mortgage instruments, please provide a copy to all of your fraudulent attorneys. JP Morgan, you should know that if you pay anyone at the clerk office to record the instrument illegally just like someone did on your behalf on an unrelated case, there will be a warfare of legal action against you as we will bring the matter to the tax collector office, IRS, XXXX State Attorneys Office XXXX Governor XXXX XXXX XXXX Florida Attorney General.
Consumer complaint received 2021-12-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (TN)

I was approved for a loan with 499 % APR. The unfortunate thing is that I am the spouse of an XXXX XXXXXXXX military member. I only recently learned about the Military Lending Act ( MLA ) that caps apr at 36 %. I only found this out by accident because there was an issue with the company stopping my auto-pay ( without my consent ) and then charging me a late fee. I have been paying this loan for a few months now on my pay day as well as an additional lump some I paid early on. I went down a rabbit hole and found out about the MLA. I reached out to the company and told them about the issue. I asked for a copy of the application because I did not remember there being a place where I could check being the spouse of someone that is active-duty, but they refused to send me a copy of the application. At their request, I sent in documents verifying that I a spouse of an XXXX XXXX XXXX member. They have given me the run around and stated that the MLA doesn't protect spouses, only the members themselves. I told them this was incorrect and I did not want to be part of an issue. They further gave me the runaround and said they would " get back to me ''.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

PHH Mortgage is refusing to correct my taxes that are escrowed. The customer service department is refusing to fix their error. My taxes are paid semi-annually, always have been, nothing changed in 2021 for how my property taxes are to be paid. PHH Mortgage did not pay my 2nd semi-annual property tax bill  that was due XX/XX/2021 and is now past due with late fees. They are refusing to pay it unless I send them the bill, which they already have and the county already provided to them. The customer service rep  is refusing to fix our escrow account to semi-annual, refusing to pay the overdue property taxes, and refusing for PHH to pay the interest and late charges to the County that has accrued since they did not pay the taxes timely.
Consumer complaint received 2021-12-10
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: PNC Bank N.A. (MD)

I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. 

At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.
Consumer complaint received 2021-08-25
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: Possible Financial Inc (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello, Experian has two inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach XXXX to other credit bureaus such as XXXX and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or XXXX and Experian is refusing to remove fraudulent addresses. 


Thanks, XXXX XXXX
Consumer complaint received 2019-08-06
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)

My information was leaked in the XXXX, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXX XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX {$25000.00}, XXXX. XXXX XXXX XXXX {$12000.00}, XXXX. XXXX XXXX  {$12000.00}, XXXX. XXXXl XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2. XXXX, 3. XXXX XXXX, XXXX. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX XXXX, 9. XXXX, 10. XXXX XXXX, 11. XXXX XXXX, 12. XXXX XXXX, 13. XXXX
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The following companies XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NC)

This is a second dispute as American Express failed in their due diligence review of this fraudulent charge. My original complaint # XXXX has detail about original charge and failure to deliver. The company in question provided a fraudulent shipping information that package was delivered. American Express provided me the shipping info from XXXX tracking # XXXX ( see attached ). I called XXXX and spoke with their XXXX department where they verified the package was delivered to XXXX XXXX which is several XXXX miles from my address. They also verified the name and address of the delivery was not for me. American Express failed to identify this. Also the package said it was shipped from XXXX on XX/XX/24 and arrived in XXXX XXXX  on XX/XX/24. It is logistically impossible for an international package to be delivered in XXXX days. Lastly the website is defunct and the phone number of the company begins with XXXX. I suspect that American Express has gaps in their XXXX review process and it took me to do the research to verify this is a bogus foreign company that has duped XXXX of the largest financial institutions in the world. If this is happening to me then I am sure this is happening to many more people. 

Company in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (NY)

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX  & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX