davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3000.00}. 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 XXXX XXXX XXXX, 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 Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

I have made payment toward principal on two separate occasions with the same result. My payments are always up to date and on time. When I submit a second payment to principal, Freedom Mortgage places the payment in a " suspense '' and does not apply the funds to my mortgage principal. In the latest incident, they received the payment on XXXX and had taken no action when I called them on XXXX. During that call, they said that the payment would not be applied to my account until Friday XXXX. That is almost 2 weeks or nearly a half of a month of interest that I have lost and they have gained on my payment. As stated earlier, I have had this same issue previously. This is not an anomaly, it is a practice. As always, thank you for the important service that CFPB provides to consumers.
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (OH)

In XX/XX/2019 my loan was transferred to M & T Bank. In XXXX I changed my home owners insurance to a better rate. I was billed an incorrect amount of $ XXXX monthly payment when my payment has never been over {$620.00} for the last 11 years. I called M & T Bank and was told there was a mistake that should have been handled previously, but wasn't. I was told to wait 5 business days for correction but nothing happened. After calling back XX/XX/XXXX, I was told I must pay the {$910.00} and they will fix it when they get to it. After speaking with a supervisor they calculated the corrected payment which was still higher than normal at {$660.00} which I paid at that time. Today XX/XX/XXXX I receive a letter of unapplied funds of {$660.00} and a statement for XXXX bill for {$910.00}.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX! 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I recently reviewed my credit report and found that XXXX XXXX is making me pay for debts that are not mine. They sent it to the wrong address and acknowledged it over the phone as well. I am a victim of identity fraud, and they do not acknowledge this. I attached my identity fraud report below.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In reviewing our account information forwarded to XXXX XXXX XXXX, we have discovered numerous discrepancies. In the period between XX/XX/XXXX the date the BOA Claim was filed and XX/XX/XXXX there were 25 MISC POSTINGS made to our account 12 of which were made prior to updating the new mortgage information. 

1. Our HARP Mortgage new principal balance is {$790.00} greater than the BOA Claim. 
2. The Trustee dispersed a total of {$5900.00} to BOA that doesnt appear to be posted to our account. 
3. We made three ( 3 ) payments of {$860.00} XXXX {$2500.00} XXXX which were not applied to our account. 

The undocumented MISC POSTINGS combined with the other discrepancies noted above have resulted in all subsequent interest and principal calculations as well as our escrow account balances being incorrect,. 

Therefore we are respectfully requesting a thorough audit of all the MISC POSTINGS applied to our account between XX/XX/XXXX and XX/XX/XXXX. All postings should be clearly described, identifying the individual amount associated with each description. In addition the three discrepancies noted above must verified and shown they were applied to our account. In the event the audits findings do not agree with the following balances in the system as of XX/XX/XXXX, we will require a month to month posting and calculation of all subsequent payments through the date the mortgage was sold. 

XX/XX/XXXX Principal Balance {$190000.00} XX/XX/XXXX Escrow Balance $ XXXX
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax other account they the put onto my credit report are : XXXX/XXXX/XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX reporting closed should be reporting openPlease fixed this Equifax. I am honestly truthful attaching report. Please carefully review report.
Consumer complaint received 2018-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

I am applying for a personal loan at Wells Fargo bank in XXXX, Florida the lady told me that my monthly payment will increase by {$10.00} additional dollars because WE DON'T HAVE INCOME TAX IN FLORIDA. 
Who desired that, when, this should be ilegal why a bank its capitalizing on the fact that we Floridian residents don't pay income tax, is this a PUNISHMENT? 

I am going to go the bottom of this anomaly Banks or politicians CAN NOT PLAY with our need for a loan I am negatively surprised with this aberration a bank or politicians can take advantage or our needs Please solve this or I will escalated to the highest authority, we can not convert our state as a sanctuary for whomever wants to get an easy and fast money on our already dilapidated economy Thanks XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2019-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2019, a customer chose to pay me {$850.00} for repairs to her home via Venmo.com. Venmo allowed me to accept the payment and gave me an option to transfer the money to my bank. After initiating the transfer Venmo.com told me my money will be available in 24 hours. When the 24-hour period expired I messaged and called Venmo.com about why I had not received my money like they told me in an email. Venmo.com never responded to my text but the did answer the phone on Friday, XX/XX/2019 to tell me that my transaction had been flagged for review and I will need to wait three business for them to finish their review. They could not tell why my monies was being held other than to say the FTC is reviewing my transaction. They never advised me that my money was being held nor could they tell me why the FTC or ACH needed to review my transaction or a hold code. This is financial burden to me and my business and I deserve my money plus interest due to the unexplained delay.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2020 the vehicle was repossessed due to lack of payment. However, on XX/XX/2020 I entered enter a chapter XXXX bankruptcy ( XXXX ). When I called Ally on XX/XX/2020 I was told by a representative that the vehicle was transported to Auction on XX/XX/2020. After calling Ally for days, all of a sudden they released the car to me on XX/XX/2020. When I went to retrieve the vehicle my tags were missing and not with my property that they removed from the vehicle after repo. I filed a police report ( XXXX ) with the XXXX County Police Department on XX/XX/2020. On XX/XX/2020 Ally contacted me and advised me that the expired tags had been recovered. Since the tags were expired I needed to apply for new stickers in order to drive the vehicle legally. On XX/XX/2020 I was told by the MVA that Ally Financial had registered my vehicle in another state and that I could not register the vehicle at all.
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

RE : PHH Acct # XXXX ( Ocwen Acct # XXXX or XXXX ) I have been receiving default notices from PHH regarding lack of payment ( Case Manager XXXX XXXX ). 

PHH took over as service provider from Ocwen 2+ months ago ( not per my request ). 
Payments have been paid under acct # XXXX or under previous Ocwen Acct # XXXX / XXXX. 
My XXXX Checking is showing that payments have been sent and checks cashed by PHH in XXXX and XX/XX/2019. I have contacted PHH on multiple occasions to try to resolve and have spoken to several representatives in early XXXX and in XXXX. I have contacted XXXX to investigate payments made and to contact PHH. I also have no idea why the XXXX payment was properly processed and yet XXXX and XXXX seem to be an issue for PHH. 

I have sent an email to XXXX and have sent to letters to XXXX   XXXX and XXXX. NJ PHH addresses.
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (LA)

A thorough investigation was not conducted. I initially sent a notarized letter through certified mail on XXXX XXXX. I did not receive an email from Experian stating that the investigation was open until XXXX XXXX. US Postal service annotates that Experian received the certified letter on XXXX XXXX. On XXXX XXXX, less than 48 hours after the investigation was open, Experian concludes that my investigation was complete. There were 8 items listed on my dispute letter and Experian only investigated one item according to the dispute results. The one item that they did decide to dispute is still inaccurate. I also requested documentation to prove that these items were accurate and so far I have received nothing.
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a certified letter on XX/XX/XXXX stating that I owe a judgment to XXXX XXXX XXXX   DBA from the year of XXXX I don't know who I'm suppose to owe or why I'm suppose to owe them. Please help me to find out what is going on. Thank you very much. You can contact me XXXX XXXX at ( XXXX ) XXXX- XXXX.
Consumer complaint received 2018-05-24
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: General Motors Financial Company, Inc. (IL)

XXXX XXXX is reporting that I have paid my XX/XX/2018 lease payment 30 days late. They are showing the last payment dated XX/XX/2018. I made a payment for my XX/XX/2018 bill on XX/XX/2018. I have disputed this claim with them through XXXX XXXX and what they did was change the XX/XX/2018 status on my credit report to unknown which isn't even the month in dispute nor was that payment late or not paid. This is a false report since each months bill is and HAS been paid in full for the length of the lease.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

The company can not verify the debt is actually mine nor owed. They sent me a statement that said the word verified. Since, they refuse to get it out of their system after telling them a multitude of times that I was a victim of identity theft. Someone stole my identity and I have a collection from XXXX XXXX XXXX XXXX they refuse to remove the collection.
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

RE : LoanCare Acct # XXXX or XXXX Acct # XXXX A few months ago, LoanCare took over servicing my XXXX XXXX. Since this transfer, I have been receiving constant mail communications regarding my account being in default. 

In 1st week of XX/XX/2019, I spoke to a phone representative and confirmed with this representative and that they would take care of these issues. The representative stated that these were their transition issues and that they would take care of it and post my XXXX and XX/XX/2019 payment to my account. 

In early XX/XX/2019, I spoke again to another LoanCare representative only to have to repeat myself and share with them that the XXXX and XXXX payments were made and that the XXXX mortgage payment had already been paid as well. Again, they stated they would take care of this situation. 

My XXXX Checking is showing that payments have been sent and checks cashed in XXXX, XXXX, XX/XX/2019. I have contacted XXXX to investigate payments made and to contact LoanCare. 

I have requested in email and in mail writing to LoanCare on XX/XX/2019 to resolve these issues. The email address I used was customersupport@myloancare.com and I sent letters to 4 LoanCare addresses in XXXX XXXX and XXXX. 

I understand that these loan transitions from 1 company to another ( and not by my request ) can be complicated but this shows a lack of organization and customer care for customers. In the end, the consumer/customer suffers by having to resolve these issues with potential financial and credit bureau harm. 

Best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

my mortgage company has since 2017 ( this is the 3rd year ) at this time, has been trying stick it too me with a approximately 2500 increase roughly 250.00 monthly increase mort payment, because they somehow XXXX up my taxes, my taxes have always been payed on time, ( XXXX clerks office with verify this ) https : //.freedommortgage.com/mtg/loan/ has been harassing me since 2017. i file a complaint thru CFPB every now, Freedom mort always tell me there sorry for my inconvenience and it wont happen again ( total XXXX ) i have ask them to keep this file on record, but obviously they dont! so here we go again! i need to stop this insanity with this company, i have requested them to sell my mort to some else but not! now i have to pay this increase of $ $ this month so i wont get bad credit, but they always reimburse me and apologize and say it wont happen again. 
should i get a lawyer and sue them, do i have a case here? my other complants you have on file XXXX
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IA)

XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IA)

XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.
Consumer complaint received 2019-10-01
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)

On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.
Consumer complaint received 2018-12-22
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. (TX)

Please delete the account which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX
Consumer complaint received 2019-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (ME)

In XXXX of 2019 I went to pay my bill online at Avant.com. The website stated my current amount due was {$0.00} so I called Avant and asked if this was correct. They stated it was and said they would send my account to another department to verify this was correct. I waited another week with no response from Avant and decided to follow up to see the status of my XXXX payment. I spoke with another representative from Avant who informed me that everything was fine and my next payment is due in XXXX. XXXX rolls around and Im a month behind and now owe 2 payments. I called Avant back and they assured me everything was fine and their investigations department was fixing the month behind payment. This goes on for three months until XXXX and then they decided to take two payments at once and overdrafted my checking account. I still have not received my overdraft fee back from them and have recently refinanced this loan through a local bank. I was very upset with Avant, their mistake dropped my credit score by 50+ points and they will not resolve any issue or call me back or email me. I would like to have them remove any negative marks on my credit that they have put on it, we are in good standings and theres no reason for them to be on my credit report with negative marks. I shouldnt have to pay higher interest rates because of their mistakes. Thats not fair to me or other consumers.