davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (CA)

My problem with the loan was the monthly payment of {$900.00}. As I started to try a way to negotiate the loan do to my personal income dropping drastically it lead me, to call and try to negotiate for a lower monthly payment. But they suggested to surrender the car instead, so we did. Now Ive been sent a summons for an attempted to collect through a XXXX court order the amount of {$14000.00}
Consumer complaint received 2022-06-15
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hello I have been a victim of Identity theft, and I fill my file has been compromised because of incorrect addresses that have been allow to stay on my credit report, I have contacted reporting agency to have them removed but they haven't complied.
Consumer complaint received 2020-01-31
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. (MO)

My identity has been compromised and the aftermath of this is the following unauthorized accounts inwhich is reporting on my credit file needs to be blocked and removed immediately unless the major reporting credit bureaus could provide me with physical documentation, id and signature of mines in relations to this unauthorized fraudulent accounts. Please remove the following accounts.

1 ) XXXX/ XXXX XXXX 2 ) US Dept of Education {$3100.00} 3 ) US Dept of Education {$1700.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc. (NE)

I have been contacted several times by Clear Recovery. I have asked them four times to please send me information through the mail of all that they are saying that I owe them. I have been finding that some of my accounts are not correct ( they have either been paid or weren't even mine ). I was told to go online to find out. I have been refused each time for something to be sent in the mail to me with what I owe and why I owe it.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ME)

To whom it may concern, I was hoping that you could help me with my current situation. 
Brief story is, back in XX/XX/XXXXI fell on some hard times, like many people back then I had filed for bankruptcy, divorced, and was ready and willing to loose my home. I Had it up for a short sale in XX/XX/XXXX, when XXXX XXXX XXXX XXXX ( the original mortgage holder ) went belly up. Since then the loan was sold to different lenders and now Ocwen owns the it. I have tried in the past for a re modification loan with no prevail. It has been over 10 years now that I have resided in this house and been maintaining it without any help from Ocwen. They do however send me a monthly statement now stating that I now owe over {$350000.00}. This can not be legal, and would appreciate it if you would help me with all of this. I can't sell the house nor can I just walk away ( like most had ) or even consider buying a house even with a credit score of over 800. The more I reach out to people the more I find out that I am not the only one. 
I would like for CFPB to investigate further into the original documentation from the original mortgage taken out with XXXX, XXXX XXXX XXXX ( XXXX ) It has been so long ago that I honestly don't remember but I may have taken out a home equity loan to do much needed repairs to the home. New roof, windows, siding and bath remodel. 
I have already filed a complaint through my local Senator XXXX XXXX, who forwarded everything to you folks who in turn just forwarded it to Ocwen and then just closed the case without any further investigation. I would like to receive the original documentation from XXXX who I'm sure you are aware of the circumstances involving their fraudulent charges brought against them back in XX/XX/XXXX. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2020-11-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : PORTFOLIO RECOVERY ASSOCIATES # XXXX
Consumer complaint received 2022-06-15
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 swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report # XXXX filed with the XXXX XXXX XXXX and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. please see attached documents
Consumer complaint received 2022-06-15
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. (FL)

On my Equifax credit report it is showing a hard inquiry from XXXX card services on XX/XX/2021 and I have no recollection of applying for a credit card through XXXX XXXX XXXX I am also disputing the fact that I also applied for another credit card through XXXX XXXX XXXX on XX/XX/2021. Both applications are false and I am submiting a copy of an identity theft report that I submitted.
Consumer complaint received 2018-10-17
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX.
Consumer complaint received 2019-03-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dovenmuehle Mortgage, Inc. (FL)

On XX/XX/XXXX contacted Dovenmuehle Mortgage about a late payment in XX/XX/XXXX that should not have been there, the loan was transfered in XXXX with a letter dating XX/XX/XXXX that the loan was paid in full. Called in and was told they would have an answer in 10 days. Called back 10 business days later to be told that they have more time and the person that told me 10 days lied. Have not be able to get any other information from company on multiple calls, in the process of refi due to divorce and this is stopping my new loan
Consumer complaint received 2018-04-26
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: EQUIFAX, INC. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

THIS IS NOT A DUPLICATE COMPLAINT This is a follow up to complaint XXXX Wells Fargo responded to my initial complaint but it did not address my main concern. A balance transfer was completed without my permission, without me requesting it and they are claiming that when I requested a balance increase that I did and that is incorrect. 

I replied to the their response with this : Hi, Wells Fargo response has incorrect information. When I requested a credit limit increase to {$13000.00}, I never asked for the balance transfer to be automatically done. I never gave the representative information on my XXXX or XXXX account for Wells Fargo to one, know the balances ; two, know my account numbers ; three, know which companies I had credit cards with. I understand that balances and company names are available on my credit report but where did you get my account numbers? Why was there a balance transfer that I never requested? 

MY ISSUE IS NOT RESOLVED. THEY ARE DENYING XXXX  OUT MY BALANCE. I want them to be held responsible for continuing to do things for customer that their customer did not request. They continue to do this and have recently gotten out of a huge scandal but they are not stopping.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Hello, Its been 3-4 months and they only response Ive gotten was the accounts been verified. I want to know who verified them. By law after 30 days of no verification the debt has to be remove.
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I had this loan since XXXX, it 's been 15 years paying. Me and my consigner have made a substantial amount of payments and the loan is still at XXXX. I think the payment was not applied right. My original loan was with XXXX XXXX which was a variable loan original amount borrowed was {$8100.00}. It 's no way that only XXXX dollars has been applied towards the principal after 15 years. My consigner has recently filed bankruptcy in the past year.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

CITIBANK N. A Approximately XXXX XX/XX/2022 I opened a checking account with Citi Bank XXXX When I opened the account, I deposited a total of {$2600.00} into account. In mid-Late XXXX I attempted to login to my account, and it would not let me. I contacted your bank to unlock my account and was told that my account is being closed and I received a number to the fraud section. I then called the fraud section and told my account was closed and they could not give me a reason of why it was closed. I was informed that in 60 days the account should be closed, and my money would be mailed to my address on file. On XX/XX/XXXX I received a letter stating the same information with a phone number on the bottom. I called this number but received the same information that I had previously been told. 

I waited out the 60 days and contacted Citibank again the end of XXXX, this time they informed me the account had been closed and has a XXXX balance. I asked them if they knew when a check was sent, and they said it had not been sent and asked me to hold on so they can see what they can do. She then came back and told me she regrets to inform me that there is nothing more they can do. I was confused and said what do you mean, and she repeated the same answer. I told her that I should be getting the XXXX back and is there someone else I can call and was told once again there is nothing they could do, and they were going to let me go. 

So, my account is closed, and my money is missing and at no time was there actual fraud. I dont care about the account but really nee my money back XXXX XXXX Account Ending XXXX
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (VA)

Wife received phone call from Diversified Consultants claiming an old XXXX  bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 Diversified placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to Diversified Consultants and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from Diversified. Mid XX/XX/XXXXafter the 30 Day sent another letter for Diversified to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-10-21
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)

On Friday XX/XX/2022, XXXX XXXX XXXX knowingly, wilfully, with the intent to conceal disputes filed against them for various disputes, many in violation of federal and state law, again, violated my rights to due process when they perjured themselves in their submission OF eighteen ( 18 ) unique and separate FALSIFIED RESPONSES TO 18 separate and unique complaints filed against them.

In addition, their blatant disregard to federal law and to this complaint and several others demands the attention of the Eastern District US Attorney generals office to investigate these charges after signing each complaint that it was true and accurate data they were submitting to the CFPB, a U.S. government website.

This complaint will show they filed 18 submissions, and stated that all 18 complaints were duplicates to one specific complaint which you will see that to be absolutely false.

This is the list of complaint numbers they were deceptive with, the first number is the complaint at hand and the number below it is the referenced complaint that supposedly was a duplicate of the these 18 complaints.

The complaints are not even remotely the same, not the same content, not the same subject matter.

Please forward this to the US Attorney Generals Office for these serial violations and contempt of our state and federal laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (GA)

From XX/XX/2017 to present, I have told XXXX XXXX XXXX and TSI that I did not owe this debt and I wasn't paying this debt. The services provided by XXXX XXXX XXXX XXXX XXXX XXXX and its doctors was sub standard to say the least. I will not go in to detail because this is a private family matter. Do you pay for service you weren't satisfied with? Neither do I. Please stop any and all communications with me.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

Received letter stating this agency, Rent Recovery Solutions, has received debt from XXXX XXXX. Disputed with the agency directly and requested verification. They ignored and reported said debt to credit bureau as a collection. Sent another correspondence via certified mail. They stated that an internal investigation will be performed. Agency is now refusing contact while updating collection on my credit report after each dispute with respective bureaus.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer On XX/XX/XXXX Transunion received a certified dispute tracking number # XXXX XXXX XXXX XXXX XXXX XXXX to conduct an investigation. 

Today, XXXX XXXX I received a letter from Transunion dated XX/XX/XXXX with the results in which provided no information except the account was verified as accurate but gave me no proof of an investigation. 

Transunion stated the account was properly investigated within 8 days of receiving my dispute but how is that possible when all bureaus are reporting different highlighted such as The account number is XXXX but all other bureaus report different, the monthly payment is blank but all other bureaus report different, the last payment made on XX/XX/XXXX but all other bureaus report different, The payment history of 120 days late is reported three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but all other bureaus report different, the date closed is XX/XX/XXXX but all other bureaus report different, The balance is {$27000.00} but all other bureaus report different, first date of delinquency is XX/XX/XXXX but all other bureaus report different and the pay status is charged off but all other bureaus report different. The account was also closed on XX/XX/XXXX but was still reporting late payments and all other bureaus report different. 

All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. 

I also received statements from XXXX providing different account balances from what is being reported. 

This is grounds for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;