davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Deposit XXXX via mobile deposit from a settlement that ive been waiting on for months. Deposit check  on XX/XX/XXXX wont be avail for XX/XX/XXXX. Not acceptable at all. I feel like they are gaining interest while its on hold and should not take that long for a check to clear. If that was the case i should've just cashed it. Somewhere else. Numerous customers are having the same issue. I just want my #
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Upon getting a new vehicle, i voluntarily surrendered my vehicle and made a verbal agreement on the phone with bank rep to pay {$100.00} per month. After the vehicle was auctioned off the bank requested the full amount which was over {$5000.00} immediately. After telling them i could not pay all that up front and that an agreement was made for {$100.00} per month, the bank decided to threaten me with a lawyer who never called me and now we have to go to court. They auctioned the vehicle for less than what the value was then tacked on a repo fee also. Credit acceptance also has added an unfair amount of interest on the loan.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

The bottom line is : I got a fraudulent request to pay a debt I do not owe for " unpaid '' highway tolls and fees totaling {$70.00} from a firm that has recently settled a case for defrauding people the same way named, " Linebarger Goggan Blair & Sampson LLP. '' I'm certain I've paid them before without questioning the source.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (FL)

XXXX was issued by XXXX XXXX which cancelled this debt. I also sent XXXX and revoked permission for transfer of securities and legal tender deposit to treasury direct account. However this loan debt is on my credit report and considered as fraudulent
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

This is my second complaint against Roundpoint Mortgage Servicing company. My first complaint was that they sent my mortgage bill to my old address, even though the company they purchased the servicing of my loan on had the correct address. This in my view was an attempt to make me miss payments. I suspect other customers have similar situations with Roundpoint. 

My current complaint relates to how they are Roundpoint credited my recent payment for my XX/XX/XXXX mortgage invoice. I recently made a mortgage payment ( XXXX XX/XX/XXXX ) on XX/XX/XXXX! Rounpoint incorrectly designated it a Principal Only Payment? I made no such designation on my payment via XXXX XXXX pay saying this was to pay down principal. 

Today I received a text alert saying my account was in default because my payment for XXXX is past due. I paid it OVER A MONTH AGO!!! 

This was a mortgage payment plain and simple. That's why the amount was for the exact amount due for a mortgage payment : {$3800.00}. Please ask Roundpoint to correct this immediately, and please launch an investigation into their practices. There are many people Roundpoint is doing this to. It's clear they're purposely trying to make customers late on their payments to ex
Consumer complaint received 2020-08-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Colony Mortgage Corp. (UT)

I put an investment property under contract w/XXXX XXXX, in XXXX Utah, on XX/XX/2019. Even though I was pre qualified through a lender, XXXX XXXX has it in their contract that I have to be pre qualified through their " preferred lender '' First Colony Mortgage. So, I submitted my financials to them. XXXX XXXX, First Colony Representative, quoted me rates/fees, then said oh we can't do that for this property. Then she " locked '' me into rates/fees. Going through initial disclosure, I noticed that she had it listed as owner occupied, & not investment. So, I pointed out that to her. She said she can't do those rates/fees & offered me other rates/fees. I brought this up with XXXX XXXX, XXXX XXXX, VP of Sales & they backed XXXX. But they offered to let me out of the contract, so I took them up on their offer. When my REALTOR submitted the paperwork to get my earnst money back, they sent a no fault non-disclosure agreement they want me to sign before giving me my earnst money back. I refused to sign it.
Consumer complaint received 2019-06-18
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. (FL)

I filed an complaint with XXXX credit first regarding an inquiry found on my credit report from them named XX/XX/XXXX/XX/XX/XXXX and told them I didnt authorize this inquiry.. they then went into their record and in fact didnt find any information of me applying for a XXXX credit card. I filed a dispute with Equifax back in XX/XX/XXXX & its been approximately 90 days from that date since I filed.. and after sending them proof and personal documentation, theyre STILL refusing to dispute this fraudulent inquiry off my credit report and saying they havent received anything from XXXX credit after it reached the 90 day mark.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, this charge persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of charge off account from your platform and enhance communication with users regarding the status of their reports. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove this account in my credit file : XXXX  XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2019-06-18
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)

In late XX/XX/2019, I received notification from XXXX  XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (IL)

Someone from Linebarger GogganBlair & Sampson, LLP attempted to contact me in XXXX regarding a debt for XXXX XXXX XXXX, Non Resident Tuition. I advised her at that time, I had filed bankruptcy and this JUDGEMENT was included in the bankruptcy. I also advised her, NOT TO CONTACT ME AGAIN. This debt, although 23-25 years old is still being attempted to be collected. 

XX/XX/XXXX I spoke with XXXX at Linebarger Goggan Blair & Sampson, LLP and informed him- THIS JUDGEMENT was included in a CHAPTER XXXX BANKRUPCY - I faxed over documentation to support the bankruptcy and provided THEM WITH the telephone number to call in lieu of confusion. DO NOT CONTACT ME AGAIN! they continue to send letters for collection.
Consumer complaint received 2019-06-18
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. (FL)

In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021 I received a cut off notice from XXXX XXXX informing me that I was behind on my bills and my electricity would be shut off within thirty minutes if I did not send an outstanding balance of {$490.00}. They walked me through my Wells Fargo account and finding the XXXX application. 
After wiring the money, I did not see the payment posted on my XXXX  account so I realized I was the victim of a scam. I called Wells Fargo immediately and filed a claim. They have not covered the amount even though they state they offer 100 % fraud protection. The only reason I used the XXXX app is because its on my Wells Fargo app which I did not ask for so it seemed as if it was safe and backed by my bank.
Consumer complaint received 2019-06-18
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. (FL)

In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX  XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Consumer complaint received 2019-06-18
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: NAVY FEDERAL CREDIT UNION (OH)

Someone opened up fraudulent accounts in my name : XXXX XXXX. on XX/XX/XXXX for XXXX Navy Federal XX/XX/XXXX for XXXX XXXX, XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XXXX XXXX, I received notification my mortgage service was going to be transferred to Mr . I also received a letter from MR. Cooper stating the service of my Mortgage was transferred from Seterus to Mr. Cooper effective XX/XX/XXXX and the monthly payment due was noted as {$940.00}. 
I typically make my payments a few days before due date and the payment for XXXX was made via auto draft on XX/XX/XXXX. The auto-draft for Seterus has continued since then. 

Not only has Seterus continued to draft the monthly payment, but Mr. Cooper also started a monthly draft for the amount of {$1000.00} for XXXX and XXXX and {$1000.00} for XXXX. This problem has resulted on a catastrophic financial burden on my part for having to make double monthly mortgage payments one to Seterus and another to Mr. Cooper. 

I understand that Mr. Cooper bough Seterus, so I have no way to reach out to Seterus to request they stop drafting a monthly payment. I would like to get help from the CFBP on understanding my rights and the next steps to resolve the problem.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I called my loan servicer Ocwen Mortgage on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the Ocwen RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later Ocwen sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of Ocwen even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if Ocwen Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. XXXX XXXX XXXX recently sent a letter dated XX/XX/XXXX, that XXXX is the new servicer for this account and collecting payments ; gave new XXXX loan account #. 

I have supporting documents to proof Ocwen Mortgage 's fraud. Even after Ocwen made me delinquent purposely on my mortgage, Ocwen refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from Ocwen Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WA)

I received in the US Mail a credit card from Barclays VISA with XXXX Rewards that I never requested. I never filled out an application or made any purchases that included a request for a credit card. I did not activate the card. I destroyed the card. Since then I have been getting monthly statements from Barclays with {$0.00} balance due. I called Barclays to request that they close the account on XX/XX/XXXX. They refused to close the account. They said I opened the account in XX/XX/XXXX, but I have no record of any such transaction. They said my wife had initiated the account which was in my name, but then refused to accept either her or my request to close the account. I contacted credit reporting agencies, and I do see the Barclays account listed, and I also see a hard inquiry on the XXXX report from XXXX XXXX  on XX/XX/XXXX which is the same date shows as the opening date for the Barclays account. I simply want Barclays to close the account, but they refused to do so and kept asking me for more and more personal information ( such as my email address, birth date and last 4 digits of my social security number ).