davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX   has removed 22 accounts, but Transunion states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

A few months ago I submitted a previous complaint ( Complaint Number XXXX ) since I was applying for a loan modification, but at the same time Ocwen mortgage loan servicing was dual tracking. I was approved for a trial loan modification and I made my first trial modification payment in XX/XX/2018. However, the attorney 's for XXXX XXXX   were continuing their motion to restore a foreclosure case against me ( XXXX Supreme Court Index XXXX ) in XX/XX/2018 in which was the same time I began my loan modification. Therefore, XXXX, XXXX and XXXX the attorney 's for the Plaintiff through E Filing finally requested that their motion be withdrawn. During the first loan modification payment Ocwen assured me that the XXXX payment would drop from approximately {$4300.00}. to approximately {$3300.00}. However, when I was going to make the second loan payment in XXXX Ocwen stated that my loan payment for XXXX would be approximately {$3700.00}. When I called to speak to my assigned relationship manager Ms. XXXX XXXX at Ocwen to complain about the higer loan amounts I was told she is no longer my relationship manager. However, as a result Ocwen gave me the next available relationship manager and I was told they would look into this situation. Ocwen never got back to me, therefore, I called repeatedly in XXXX and never got an answer. Since Ocwen was acting in bad faith I discontinued my trial loan modification. Initially, Ocwen reassured me that they would help me make my loan payments more affordable after the trial loan modification, but their inconsistencies made me weary and appalled. I now want Ocwen to either rescind or significantly reduce the principal loan amount, and at the least give me a reasonable loan modification since I am victim of Ocwen 's duplicity.
Consumer complaint received 2018-11-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AK)

For the past 6 months I been calling the company with problem. Not one time have they told me I was underpaid in anything. Now they saying I owe them XXXX dollars more than my fixed interest rate contract without notify me until the very end of XX/XX/XXXX. I call them on XX/XX/XXXX with question and they did not say i was underpaid. I want a refund of XXXX back
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Early XX/XX/2020, I received notification from Bank of American of an extension in payments due to the COVID crisis. I applied and was approved ; at the begining of XX/XX/2020, XX/XX/2020, I received email notification that the extension ended and payment was due. When I logged into my account, the amount due was the total of ammount of the payments due during the granted extension plus the month of XX/XX/2020. The amount of each payment due is {$390.00} per month. On XX/XX/2020 the total amount due was {$1500.00}. Due financial constraints during COVID, I was unable to make this full payment. I was able to pay down this amount slowly, however the account remained in default. This was then posted to all credit agencies on XX/XX/2020 and XX/XX/2020. The account is now to-date and in postivie standing. I talked to Bank of America today and they were unable ot assist with the credit posting and I was referred.
Consumer complaint received 2023-03-27
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. (MO)

This is a follow up CFPB Complaint to request that the Credit Bureaus remove the fraudulent accounts and information off of my Crdit FIle in accordance with the Fair Credit Reporting Act. I sent a letter on XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again. I am in need of the immediate removal of the following items off of my Credit File : XXXX XXXX XXXX XXXX Ct, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXX Unpaid Balance {$200.00} XXXX XXXX XXXX XXXX  Unpaid Balance {$130.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2022. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b.
Consumer complaint received 2018-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: New Century Financial Services, Inc. (NJ)

I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of New Century Financial Services. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called New Century I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX XXXX XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX XXXX XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. 
XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2018-11-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Mortgage Servicers consider CFPB a joke. For years I have been filing about my mortgage fraud case and nothing matters. The mortgage company and now mortgage servicer have refused and returned my payments. 
XXXX XXXX XXXX is paying the legal fees for the mortgage servicer in order to avoid paying the title claim. This conflict of interest is ignored. 

Admitted forgeries, a judge ruled no ratified deed of trust and no ratified mortgage note and still no assistance from any organization matters. XXXX is the newest mortgage servicer has submitted the same deed of trust that was adjudicated as " Not Ratified '' as a means to collect a debt. XXXX also fraudulently put an assignment in the XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-01-13
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)

Equifax is reporting an address that is not mine. I have disputed but they have yet to remove. This address XXXX XXXX XXXX XXXX, CT XXXX is reporting on my credit report and I have never lived there. Then there are 2 creditors listing as XXXX/XXXX, I have never had an account with this company. Then they are reporting XXXX-XXXX Inquiry : XX/XX/2018, I spoke to XXXX in regards to the fraudulent inquiry and they informed me that they requested for Equifax to delete the fraudulent inquiry but yet it has not been deleted.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$790.00}
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX LA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  ; XXXX XXXX XXXXL XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$XXXX} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$XXXX} ; XXXX XXXX Balance : {$XXXX} ; XXXXXXXX  XXXX Balance : {$XXXX} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

In a previous dispute with XXXX XXXX XXXX. I petitioned Equifax for an incorrect derrogative in my credit reporting, the dispute was returned via USPS mail on XX/XX/XXXX that the debt was verified, but I was also asked to send my updated Credentials Address, Social Security #. In this same investigative letter I was informed that if I needed proof of original agreement that I would need to contact the creditor directly. In a letter written requesting validation to XXXX  of said debt I was told the debt was sold. My grounds for this complaint is the XXXX XXXX Opinion letter, written on XX/XX/XXXX by the UNITED STATES OF AMERICA FEDERAL TRADE COMMISION. I never recieved verification of the debt from XXXX.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am an alien worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by XXXX XXXX XXXX. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through XXXX  XXXX Website ( application number : XXXX ) on XX/XX/2018. XXXX XXXX requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect. 
I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with TransUnion and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of XXXX  XXXX credit card rejection/application on TransUnion Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

XX/XX/2018 realized my account was blocked. 
No communication was given to me, no information, not even when I called, just to call next day. 

in the meantime I have at least 3 transactions I made today, thinking my finances were fine, and I will be liable for at least {$280.00} dollars in fees due to checks returned, in addition to damage to my credit. 

this was handled poorly and should always be notified of desitions like that with my money. 

I tried contacting the institution ans escalate to a supervisor, and my called was dropped.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

Chase Pending transaction using XXXX. Wanting to cancel payment fraudulent services.. never got products should be able to cancel.. it was late on family trip and couldnt get hold of them until later that day.. if pending should be able to cancel transaction.. never had issue Should be able to dispute it .. very disappointed
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc. (TN)

Company has called myself and my parents and threatened to have me arrested and I have no idea what this debt is for. They have failed to provide verification multiple times and are refusing to delete this from my credit report. I want this account to be seized immediately.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After a house fire that i had in XX/XX/XXXX, I had home owners insurance with XXXX which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX XXXX filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.
Consumer complaint received 2022-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (FL)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2019-01-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-01-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (ID)

On XX/XX/XXXX I tried to access my free Equifax credit report via XXXX. Like last year ( XXXX ), I did not get my report but someone else 's when I tried. I've emailed XXXX  and called Equifax. This issue has never been solved. The confirmation number XXXX gave me is # XXXX if this helps.