davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX  is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax, XXXX, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX Equifax, XXXX, and XXXX  is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.
Consumer complaint received 2019-09-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified the credit agencies about the following errors and disputes : Transunion is reporting my name as XXXX when my last name is XXXX Transunion is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX, and Transunion is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX/XXXX  XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage keeps calling other people regarding the matters of My Home Mortgage. I filed the complaint on Wells Fargo Mortgage. It appears there not trying to resolve the issue by calling other people that has nothing to do with the issue. Wells Fargo Home Mortgage calls on a daily base other people in fact as I have for a witness. Wells Fargo Knows my phone number as well as mailing address regarding the matter.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

This company is reporting that I owe a utility bill and I wasnt even living there ... I had moved out XX/XX/XXXX and contacted XXXX that I was moving out ... this item shouldnt be reporting to my credit report ... this item should be remove
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (NY)

I AM A XXXX YEAR OLD SENIOR WHO HAVE BEEN CALLING DIRECT EXPRESS SOCAL SECURITY CARD HOLDER AND HAVE MADE SEVERAL ATTEMPTS AT LEAST 20, TO CLEAR UP XXXX DOLLARS IN CHARGES MADE IN XXXX XXXX AND I LIVE IN XXXX  XXXX, NY I HAVE TRIED CALLING DIRECT EXPRESS NUMEROUS TIMES AND WHEN I DO GET THROUGH THEY KEEP ME ON HOLD FOR WELL OVER 2 HOURS AND THEN HANG UP ON ME. I NEED THEM TO PUT BACK MY MONEY IN MY ACCT BECAUSE I AM SENIOR AND I NEED TO PAY MY BILLS BECAUSE OF ME BEING ON A FIXED INCOME.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a lot of inquiries on my credit report from XXXX that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and Experian ....
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXXt, contract callers inc 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 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have a lot of inquiries on my credit report from XXXX  that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes Equifax and XXXX  ....
Consumer complaint received 2018-05-26
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. (NJ)

XXXX XXXX XXXX  for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails XXXX refused to block XXXX XXXX XXXX  account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
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)

I went to the XXXX store to inquire about getting a new XXXX  and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX/XXXX, XXXX/XXXX.XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  , XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America checking account says I owe XXXX Im not aware of. Says something dealing with a fraud but they say I have to pay. Im trying to open account with a different bank and I cant because of this.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (VA)

Ability Recovery Services ( ARS ) placed a derogatory item on my XXXX  and XXXX  credit file in XX/XX/2018. I sent a letter to ARS to validate the debt and they provided a print out from XXXX University that looks doctored. I also followed up twice requesting the same validation and they have not responded. 

I have attached all of the correspondence and proof of delivery for each request. 

This derogatory item must be removed because ARS has not followed FCRA or FDCPA guidelines to validate the debt. In addition, my credit report for XXXX  has not been updated with " Consumer Disputes This Account Information ''. Also, they have not responded to my previous requests in the time allowed. 

Please help me get this negative item off of my XXXX and XXXX credit file due to the ARS violation of FCRA and FDCPA guidelines. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (SC)

We had a home equity loan with Discover Home Equity Loans. We sold the house and had a closing set for XX/XX/XXXX. The closing attorney pushed the closing to XX/XX/XXXX and the final payoff was submitted by the closing attorney. We completed closing and thought all was well. I received a call on XX/XX/XXXX from Discover Home Equity saying that we were late on payment and that they had not received a monthly payment since XXXX. After 3 hours on the phone with them and being switched around to many people, we learned that they received our final payoff from the closing attorney on XX/XX/XXXX. They said it had a {$120.00} shortage. They stated that a letter was sent to us on XX/XX/XXXX and that the letter was NOT sent certified. As of XX/XX/XXXX, we have not received this letter. They also stated that they called every day. We had no knowledge of their calls or received any messages from them until the call received on XX/XX/XXXX. They returned the entire payoff amount back to the closing attorney on XX/XX/XXXX which the closing attorney received on XX/XX/XXXX. Throughout all of this they started to hit our credit reports with late payments for our loan. The closing attorney re-sent the final payment with an updated amount and Discover received that payment on XX/XX/XXXX. As of XX/XX/XXXX the loan has been paid in full. However, there was no communication that any of this was happening, we never knew that there was a shortage on the original payoff, we have no idea why they sent the entire wire back which took multiple days, the closing attorney had no knowledge anything was amiss until they randomly received the money back on XX/XX/XXXX from the XX/XX/XXXX closing date. We are trying to get a mortgage and are not able to because of the late payments Discover Home Equity listed on our credit report from the closing situation. We have explained the situation and have even asked them to do a goodwill removal of the late payments. We had excellent payment history until the closing of the house. This is hurting us tremendously and we do not know how to correct something that was completely out of our hands. Discover has sent us a check for an overpayment on XX/XX/XXXX that was more than the original shortage that started all of this. We have not received any communication from Discover that the loan has been paid in full. I was only made aware of that by looking at my account online. Our credit reports are still showing the loan as open and with the payoff balance being owed. Also, I am not able to see any of the activity that took place in XXXX with the payoff being sent, a shortage and the full payoff sent back on my account online. Ive attached what I am able to see in my online account and have attached documents from our closing showing that closing was on XX/XX/2021.
Consumer complaint received 2023-04-04
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. (OH)

TRANSUNION VIOLATED 15 USC 1681i ( 5 ) ( A ) ( i ) AND VERIFIED INACCURATE INFORMATION! REMOVE THIS ACCOUNT NOW!! REMOVE THIS ACCOUNT NOW! VIOLATION AND WILLFULLY NONCOMPLIANT AND NEGLIGENT! REMOVE THIS ACCOUNT NOW! 

XXXX XXXX XXXX $ XXXX XXXX XXXX REPORTED XX/XX/XXXX Opened XXXX XXXX, XXXX ( 3 yrs, 5 mos ) QUESTION 1 : HOW IS THEY VERIFIED THE INFORMATION FOR THE DATE OPENED ON XX/XX/XXXX BUT NO DATA IS LISTED ON THE REPORT? BUT THIS WAS VERIFIED. 

QUESTION 2 : HOW WAS I LISTED AS LATE ON XX/XX/XXXX BUT NOT LISTED AS DELIQUENT ANY OTHER MONTHS??? YOU VERIFIED THIS INFORMATION!!!! 

SO TRANSUNION IS WILLFULLY NONCOMPLIANT AND FAILED PROPER COMPLIANCE! THIS IS GROSS NEGLIGENCE, WANTON NEGLIGENCE AT WORST! 

REMOVE THIS ACCOUNT IMMEDIATELY!!!!!!!!!!
Consumer complaint received 2023-04-04
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. (TX)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal the also violated my rights under 15 U.S.C 1681 Section 602 A. Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (TX)

I received a denial of credit letter from an Application that I did not submit. 

I received from Prosper, a letter denying my application for a loan. The letter indicated that Prosper had reached out to me in prior correspondence to offer a smaller loan. No prior communications had been received by me. 
I requested a copy of the Application Prosper had for me. The employees assured me Prosper could not provide a printed copy or electronic copy. Employees offered to read the application information to me over the telephone. At this point I asked, what if I am the hacker, you are going to read the information to me sight unseen? XXXX, the person on the Customer Advocate Team, in the absence of a manager that I had requested, proceeded to read my street address to me, then  I stopped him. During the conversation I became aware that they were using a name I have not often used in the last 20 years, know my address, email, and year of birth. I told them that it was unacceptable for me not to be able to SEE the information that they had on me, without my consent. 

I admit around the time Prosper alleges an Application was made, I was looking at rates for personal loans, but I did not submit and application to Prosper. Without my making an actual application and consenting to providing Prosper information Prosper should have no information on me. 

I asked what government agencies regulated Prosper, and initially was told none ( under which they operated I think was my initial question ) That answer was later justified by " We Are Not A Government Agency ''. I then asked which agencies performed oversight and provided regulations that Prosper had to comply with. XXXX who was supposed to be a supervisor, said he did not know. 

XXXX did tell me that Prosper is Prosper Market Place LLC dba Prosper Funding LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX said Prosper is a pier to pier lending organization with no federal control, but XXXX confirmed that Prosper answers to CFPB. Therefore I am writing to you to find out how I SEE ( i.e. obtain an actual replica [ PDF of hardcopy ] of the information from their database ) 1. what information was submitted to them that gave rise to the denial of credit email I received 2. who sent it to them 3. who Prosper sent counter offers to 4. under what authority that initial information was provided AND Answer the Question of HOW DO I GET ME OUT OF Prosper 's DATABASE COMPLETELY. 

IT IS NOT ACCEPTABLE THAT PROSPER HAVE ( OR HAVE HAD ) INFORMATION THAT PROSPER IS WILLING TO SHARE BY TELEPHONE ABOUT ME AND CAN NOT PROVIDE ME A REPLICA SO I CAN SEE IT MYSELF TO BE FULLY APPRISED OF THE INFORMATION IN THEIR HANDS.
Consumer complaint received 2019-05-02
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. (IN)

Around XX/XX/XXXX I opened a dispute with all three credit reporting agencies : XXXX, Equifax and XXXX  about the creditor XXXX and the inaccurate information being reported about me as a consumer. XXXX  was the only bureau to respond around or on XX/XX/XXXX to remove all false and inaccurate accounts with XXXX  from my reported files. Equifax was also successful in deleting some of the accounts with XXXX, however one remains and I would like this account removed immediately. It is important to me that what is reported is reflected accurately across the files of each of these bureaus. I have since sent in all the required information to address this last account with Equifax and they continue to fail to remove this account. I have also sent in the required documentation to XXXX but all my letters go ignored. I wish for these last two bureaus to take accountability for their error. XXXX  has removed the accounts so it is only natural Equifax and XXXX  remove all the accounts with the creditor XXXX and XXXX XXXX as well.
Consumer complaint received 2019-05-02
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2019-09-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (FL)

On XX/XX/XXXX we sold our home and the title company sent payoff funds to Reverse Mortgage Solutions , Inc . The payoff was calculated through XX/XX/XXXX. The funds were wired and they received them the same day as the closing ( XX/XX/XXXX ) and this was later confirmed by a customer service representative of Reverse Mortgage Solutions. The payoff amount provided to the title company included a disbursement of {$950.00} due to be made on XXXX XXXX which was the middle of the XXXX XXXX weekend holiday. SInce they received the funds on XX/XX/30 they never made the disbursement but were still reimbursed for it in the payoff. I have called twice and was instructed to contact their payoff department by e- mail and or FAX as they don't take phone calls. I did both several times and have still not received a response or refund of the overpayment of {$950.00} plus the extra 5 days per diem that they received totaling over another {$100.00}.
Consumer complaint received 2019-09-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MO)

I receive multiple phone calls from Navient regarding a student loan that I do not have, I have sent certified letters with tracking requesting validation of the debt or to be removed from all contact lists and they have ignored my letters and continue to call me, I have also called them using one of the phone numbers they call me from ( XXXX ) and they are not able to validate any loan with either my name or phone number.
Consumer complaint received 2019-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX  and capita one data breach caused the violations : XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

4TH COMPLAINT AGAINST PHH MORTGAGE SERVICES Previous complaint # XXXX It is truly appalling to see the disgusting corruption, lack of attention and downright negligence and ignorance on the part of OCWEN/PHH Mortgage. They knew that my loan was going to be sold as evidenced by their letter dated XX/XX/19 ( attached ) so they moved forward with subjecting us to their lies and additional process so that we could not access the insurance funds required to pay for repairs on my home. Now, they can further delay repairs for over 30 days!!!!!! 

Today, our area is in a state of " fire warnings? '' My home still has broken windows, but it is apparently okay for Ocwen/PHH to get away with their inept and incompetent responses. 

THEY APPROVED IN WRITING AN EXCEPTION! WHY IS THE CFPB DOING NOTHING ABOUT THIS SITUATION?
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (GA)

In XX/XX/2019, we experienced a financial hardship and we worked with BBT Mortgage company to make partial payments to insure we did not fall behind. 

In XX/XX/2019, we were advised that our Mortgage had been transferred to XXXX XXXX XXXX company. XXXX immediately placed us in a delinquency status. XX/XX/2019 we made contact with both XXXX and BBT in an attempt to get the two of them to speak. This was unsuccessful. BBT XXXX XXXX at XXXX told me " you are no longer our customer we can not help you - you must work with XXXX . She went on to say They have to work with you! '' I called back to XXXX and spoke with their representative XXXX. She told me that if I faxed over a request for account review XXXX should be able to get a payment history from BBT. I faxed this letter copied both XXXX and BBT requesting an audit/payment history. 
On XX/XX/2019 we received a certified letter from XXXX stating intent to foreclose. XX/XX/2019 we contact XXXX again speaking with an XXXX in loss mitigation we attempted to make a payment arrangement and advise we would pay {$1200.00} ( full loan payment amount ), he refused to accept it. Told us that they will not accept anything but the full amount of {$4300.00}. Explained we do not have that and again went through details showing we are not behind. This was to no avail. We provided financial information to XXXX to see if we could qualify for a payment plan to catch up ( even though we still believe we are not delinquent )! He said it will be reviewed we may or may not be granted approval. Said it was likely not going to be approved because our finances are too tight! 

I am unaware of anything else I can do but to reach out to every resource possible to get someone to clear this up.