davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are 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 items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

I would like to open a bank account which is essential to my financial health. I was able to unfreeze easily with XXXX and XXXX. However, with Equifax, I am unable to unfreeze my account despite calling and using the website. I will need help from Equifax to avoid incurring personal financial damage due to Equifax 's mistake.
Consumer complaint received 2019-01-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America debited {$33000.00} from my savings account when my wife wired money into my account to purchase a home. Unknown to me, BofA debited the money from my account without consent and without notification. The second mortgage debt had been discharged and I received a XXXX tax statement for the debt already. I called the bank and they would not give me any information about who collected the debt and I could not dispute or make a fraud claim against the {$33000.00} electronic debit from my account. We were not able to purchase the home we had a contract on and lost {$1000.00} deposit and other fees totaling about {$2200.00}. I still have not heard from the bank or received any written or oral message about where the money went and how I can dispute the electronic debit.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are 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 items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2021-07-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (UT)

At the beginning of the pandemic, XXXX of XXXX, I was furloughed from my job. I reached out to my mortgage lender Freedom Mortgage to see what my options were in regards to paying my mortgage until I knew what my financial future and job situation was going to look like. The operator on the phone told me I could go on a covid 19 forbearance plan and not pay my mortgage payments until I was back to feeling financially secure. Before I made the choice to take her up on that offer, I asked how it works to come off. She said I could have the owed monthly payments added to the end of my loan and extend my loan date by the amount of months I was on forbearance. I felt comfortable with that and made the choice to go on forbearance. My loan was current at the time I went on forbearance.

I have been ready to come off of forbearance since the first of the year of XXXX but my lender has been very difficult to work with. They said they have actually decided not to offer the option I was originally told would be available to me. I have spent over 20 + hours on the phone with them. Having to explain my story over and over again to a new team member each time I call. Sometimes I will make great progress with one team member and ask for their direct ext. so I can follow back up with them. The problem is, the phone number freedom mortgage provides does not allow you to enter a direct ext. Once I got USDA directly involved, all of the sudden there was another phone number available for Freedom Mortgage where you do have the option to reach a direct line. This would have saved me many hours on the phone and a lot of frustration. My point of contact I was working with stopped answer my calls XXXX XXXX. It was until nearly a month later that I received a call from someone who let me know shes been on a leave of absence. This is affecting the amount of time left I have on covid 19 forbearance protection and I am asking for the last month to not be counted since no progress was being made.

I expect to either be grandfathered in to a term extention offer to bring my mortgage current or another option that does not affect my future of refinancing or does not cost me more money in the long run. I currently owe 6 months, I have been paying my mortgage monthly since XXXX. If Freedom Mortgage decided they weren't going to offer the term extention after they had spoken to me, I should have been called and informed so I could have made other arrangements. This needs to be dealt with, it has greatly affected my mental health and well being.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was pre-approved for a auto loan through Capital One Auto Financing. On their site there were cars that said Pre-Approved with payments and everything. I assumed the cars were safer mechanically since the Finance company had it mark PRE-Approved. So I went and looked at it, I ended up purchasing the car on XXXX XXXX, 2023. From # XXXX XXXX, come to find out 6 months later the engine blew out on XX/XX/2023. After asking questions, I found out that the car had A MAJOR LEAK IN THE OIL COOLER ASSEMBLY, THAT INFORMATION WAS HIDDEN FROM ME. I paid {$2000.00} cash. Financed around {$11000.00} with Capital One. The dealership hid issues with the vehicle Im only learning this now. I contacted Capital one auto many times to see if they could help with the dealership repairing What caused the engine to malfunction. Im getting no where, they keep saying They filed a dealership Complaint 2 times since I kept demanding it. One agent there said just drop the car off there and leave it as a Volunteery buy back. I said that sounds Ridiculous! I explained to Capital One, I followed your site, your pre approval, I thought it was better then just going anywhere. Why would they post bad cars if they wanted paid every month. I trusted them. I feel I was scammed. I have a LOAN balance of {$10000.00} as of today. No help with the Finance company, putting pressure on the dealership to fix this. I cant get to work without a car. I cant make payment with out a job. I still have to make Insurance payments of {$400.00} a month. I need them to go after the dealership for being deceitful. If the finance company wants paid, they need to do better and check out the cars they are PRE-APPROVING on their site. 
Are they working together to rum scams in bad cars so customers are stuck. They need to step up and help! 
I cant add files from my phone, all my files are on my laptop. I will log in later to add files. Thank you
Consumer complaint received 2022-07-27
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. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are 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 items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 2019-01-12
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. (PA)

I contacted a representative from Trans-union and notified them of credit inquiries that were run on my credit report without my knowledge do to an error with trans-union. The representative was unhelpful in assisting me in removing these unauthorized inquires.
Consumer complaint received 2022-07-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9.00}
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that this account was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (VA)

starting back on XX/XX/2023 to XX/XX/2023 I have been looking for ways to invest my money since I have hit a rough patch financially. I have reached out to multiple agencies on XXXX and XXXX to help me. I have invested a total of {$2500.00} of my money and I have been scammed by these individals. I have filed the following FTC, gov claims XXXX, XXXX, XXXX and XXXX I have also disputed them with my bank Chime it was denied since i used XXXX. I have reached out to the FDIC and they have sent this to Office of the Comptroller of the Currency XXXX XXXX # XXXX but this crimes can not contiue and more innocent people get the money stolen. the last company stated that they are from FEMA and were helping with rental assistance and I reached out to them for assistance and they scammed me out of {$940.00}.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

My name is XXXX XXXX XXXX XXXX SS # XXXX. 

Please see the attached CFPB complaint # XXXX where LVNV responded on XX/XX/21 That they got with the original creditor who confirmed there was fraud on the account! They agreed there was fraud and ceased ALL Collection activity!! I have received NO correspondence nor=thig regarding this account at all in XXXX years!!! LVNV agreed to get rid of the account!!! Who do you think you are sending me this?! My husband passed from XXXX, then my XXXX daughter passed for XXXX, I got XXXX  and was on the vent for a long time, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent a long time in recovery. I mentally can not handle this! 

I get a letter in the mail from Resurgent Capital Services stating they are collection {$2200.00} for LVNV!!! Is is a true violation of FDPA, FCRA and I am sure UDAAP will fall in scope! This tradeline was removed from all bureaus but XXXX!! 

I would love to know why in the world I received a letter now over three years later asking for me to submit proof of a police report!! Are you out of your mind?! I disputed these charges right away with XXXX XXXX!! Monthly I disputed these here are the CFPB complaints for reference! They did NOTHING! Then sold my account to a collection agency who did NOTHING until I filed a CFPB complaint! Youre way too late to ask for any of this!! I am not going back 3 years and digging up proof. XXXX XXXX failed to review the fraud claim and my FCRA dispute which are violations of law!! Not only are they in violation of FCRA, but also the Reg Z billing dispute Process. I disputed these charged within 60 days of being billed for them with XXXX XXXX!! They did NOTHING!!! I kept disputing until they sold my account to collections. 

I am in a wheel chair with no legs it is kind of hard for me to get around. If XXXX XXXX had done their job correctly!! 

I have disputed this with XXXX over ten times in the past three years!!! No one is doing a proper valaidation of my fraud claim!! If they did, they would review the response from LVNV and remove the collection account from my report!! This is a true velation of FCRA and all Identity Theft Red Flag processes that are in place! 

Again read the attached response where they acknowledge fraud and remove this collection account from my credit report!
Consumer complaint received 2021-07-14
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)

I have been a victim of identity theft fraud. I have discovered which is not mine, which I would like to immediately dispute and have investigated.I have no idea of any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MI)

Ok to start forever I've wondered why I couldn't check my credit. ( I still have trouble with eqiufax and XXXX XXXX. So, I applied for a loan and was rejected so I began investigating and found out that all 3 credit agencies had either wrong XXXX and equifax had me with 2 social security numbers 1 correct 1 not and XXXX XXXX had only 1 the wrong 1. XXXX fixed the ss # issue immediately while eqiufax claimed they didn't have it wrong. Yet I was logged in and watched them change it and XXXX XXXX flat refused to fix it unless I further risk Id fraud by mailing them copies of my personal information. There were also several addresses on my file that didn't belong to me so.someone messed my credit up and I can't prove XXXX and the credit agencies don't give a XXXX to try to fix it on top of it I applied for a single loan and have like 500 credit inquires hit all around the same XXXX time and I can't even report it to eqiufax or XXXX XXXX becase they really done give a XXXX to help me sort it out
Consumer complaint received 2022-02-16
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. 
On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.
Consumer complaint received 2019-09-09
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. (CA)

I am writing to dispute a fraudulent charge on my account of {$2200.00}, {$6700.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX / XXXX I had trouble making my mortgage payment. I did not have a job and was out of work on a XXXX. I entered into a loan modification program with bank of america in XXXX. The mortgage had not been paid from from XX/XX/XXXX until the modification in XX/XX/XXXX. So it had been twelve months without making a mortgage payment. The mortgage was backed by XXXX XXXX. In XX/XX/XXXX my mortgage was transferred / sold to XXXX XXXX. My complaint is that Bank of America performed mortgage fraud. They were paid for the total mortgage amount that I had owed by the insurance company or XXXX XXXX 90 days after I went into default. So Bank of America did not own my mortgage. So that also means that XXXX XXXX has been taking my mortgage payments and is also performing mortgage fraud. Please perform a Forensic Securitization Forensic Mortgage Fraud Audit.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (WI)

I am a victim of identity theft. My daughter stole my ID and credit cards and took out cash advances and loans. We do not look alike they allowed her to sign my name and take the money. I have provided them with a police report and my hand writing showing them it was not me.She took a XXXX dollar cash advance on XXXX XXXX.