davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2021 I reached out to XXXX, Transunion, XXXX because I noticed some inaccurate information being reported on my consumer report. The amount owed is different with each account. I also instructed them to do a reasonable investigation to verify the accounts. They responded to me stating that the accounts have been verified. Yet it is still reporting inaccurate information. I requested their method of verification to confirm the accounts in never received anything back. Now I asking them to just delete the accounts because they have failed to provide adequate proof of the alleged debt.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (PA)

Hello, my name is XXXX XXXX, and I am writing in regarding deleting the following information from my credit report. The item I need deleted is listed below. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affi-davit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any con-sumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY.
Consumer complaint received 2022-01-25
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: CORELOGIC INC (AZ)

I reviewed a copy of my credit report and CREDCO ran an unauthorized credit inquiry on me on XX/XX/2021. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SD)

I originally paid the upfront fee of {$500.00} on XXXX which locked in my rate of 3.0 % with lender credit to offset some closing costs. This would have had me getting cash back at closing. My appraisal was delayed as they could not get an appraiser to work with them and that was finally completed on XXXX, which would have been the last of conditions needed in order to close on this refinance- at which XXXX the loan officer had assured me the delays were not my fault and the lock would be kept in tact. The appraisal did come in lower than expected so there was a change in circumstance but I was not aware that anything on my locked rate had changed. No one had mentioned that they decided on their own to put me into a lesser rate of 2.75 % paying {$3600.00} in points for that rate which I was not aware or, nor agreed to. This is turn caused additional conditions of supplying bank statements, etc. As well, after repeatedly telling this company that they were collecting for taxes for my other property in escrow and upfront on this transaction, they still remain as items needing to be paid for at closing which makes absolutely no sense. I have been working with a XXXX XXXX and have even escalated to his manager XXXX XXXX, both of which appear to be incompetent and have no intentions on providing any type of good service and have stopped responding to my requests for resolve. My last message to XXXX on XXXX was that I would not continue to do business with this company and would like for them to refund my upfront fee because of their lack of urgency and not wanting to close this loan on their end. She has not responded to my email as of this date.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

This is an attempt to collect money owed to me by M & T Bank who refuses to return funds back to me, which have satisfactorily been proven to belong to me. This misappropriation occurred immediately following the previous complaint to CFPB. 

1. M & T Bank admit they had the money since XX/XX/2022. They did not quickly inform me of this. They did not immediately return it to me. They only brought it to my attention much later, when their computer kicked out an unapplied funds letter. 

2. They admit they would not return it to me after XXXX stated it would be sent back. XXXX did not investigate any aspect of my account and in a demonstration of how much M & T is trying to keep these funds : - They took my money and made it a " payment to principal '' after saying they do not accept partial payments and AFTER I had been promised the money would be returned to me. 
- They made no attempt to discover where the funds originated until the CFPB complaint - They returned the funds to a third party who has no right to my payments or any further responsibility for my mortgage. 

3. They admit they returned it back to the originating loan company, XXXX XXXX  on XX/XX/XXXX, instead of returning it to me as promised. 

This can only be regarded as malicious retaliation since M & T is aware I have no account any longer with XXXX. How is it not illegal to give my money to someone else, when I should have them sent back, AS AGREED? 

I demand that M & T Bank stop this deliberate attempt to prevent me from obtaining my money. Get my money back in the next 24 hours and overnight me a check. Legal action may follow shortly. 

Please note - previous PDF response from M & T bank contains no attachments or any documents other than the actual letter of reply.
Consumer complaint received 2022-01-25
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. (TX)

I have not been able to resolve an issue with a wrongful insert of derogatory information inserted into my credit profile. I have provided the credit reporting agency copies of my identity, police report for identity theft, Additionally, have requested method of verification. As of to date, I have not received any update. Except a generic letter stating verified as accurate.
Consumer complaint received 2022-04-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-01-25
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. (TX)

I have disputed the accuracy of the following derogatory information. 
That has been wrongfully inserted in my credit profile. I have requested that all three major Credit Reporting agencies investigate the accuracy of the following wrongful information listed below. 

As part of the Credit reporting agencies, I have requested verification of the original contract with my signature. Additionally, have requested the method of verification. As of to date, I have not been provided with requested data. Resulting in ongoing derogatory data in my credit profile.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (GA)

I've made a payment to XXXX XXXX  on XX/XX/2021 in full to a past due account. It's been stated by numerous representatives at XXXX XXXX that is has been reported to National Recovery Agency 3 times and National recovery Agency is stating there is no record of any payments made and they are still reporting a negative balance on my account.
Consumer complaint received 2022-01-25
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I made full payment of the balance of {$70.00} on XX/XX/XXXX of a bill that was due on XX/XX/XXXX. On XX/XX/XXXX I made a {$46.00} purchase in store and received a statement with a closing date of XX/XX/XXXX. It billed me the {$46.00} for my purchase as well as a {$2.00} fee, not interest, a fee ( unexplained ). Today, XX/XX/XXXX, I phoned Macy 's customer service and spoke with a representative, XXXX and then his supervisor, XXXX. I was first told the fee started from the date of purchase. Then, I was told it was because I made {$130.00} purchase in XX/XX/XXXX, and only paid {$50.00} on XX/XX/XXXX, XXXX I did receive a credit for {$21.00} from a return on some of that purchase leaving a balance of {$68.00} on my statement dated XX/XX/XXXX. I also received a {$2.00} interest charge bringing my balance due in XXXX to {$70.00} which I paid on XX/XX/XXXX. I was told the {$2.00} on my XX/XX/XXXX statement is due to the fact that I made only a partial payment in XXXX of XXXX. Keep in mind I was charged interest of {$2.00} on my XX/XX/XXXX statement and paid it in XXXX. I was given the obligatory " we will remove this charge this one time because you have only had your account with us for 10 months. '' I did not receive an explanation that made sense. I closed my account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. This company sold these private records to another company in XXXX so the information on all XXXX bureaus are reporting inaccurate do to the fact the company no long owns the debt please remove immediately
Consumer complaint received 2023-03-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a loan account ending XXXX & XXXX with Countrywide as my direct loan advisor and Lender. Countrywide put me into unfair predatory lending that was illegal as no possible way to pay the negative amortizations on Four Refinances in XX/XX/XXXX. 

By XXXX by mutual agreement with XXXX  informed me to not pay, and within the next months called Due by Affirmative Act of Acceleration of the Maturity Date to XX/XX/XXXX. There was never any deceleration of the debt obligation called due. The maturity Date never changed. California Law provides Civil Code 880.020-882.040 and provides the debt obligation is no longer enforceable by any means, nor is the enforcement of the power of sale in the deed of trust. The deed of trust is VOID. Satisfied. Payments were made during XXXX and refused when they were to provide a loan modification under NMS agreement . BAC  Home Loans Servicing closed down in XXXX. By XXXX, Six years after acceleration no litigation no bankruptcy the Accounts all of them were removed " off from my credit '' and Accounts were Closed by XXXX  - AND THOSE WERE XXXX BALANCE DUE. NO CREDIT TRANSFERRED. I HAVE PROOF OF THE CREDIT REPORT BEFORE FILING A BANKRUPTCY ON XX/XX/XXXX. 
BY XXXX BAC transferred to XXXX XXXX XXXX and later turned to XXXX XXXX XXXX XXXX The IRS Form from XXXX had no outstanding balance due. XXXXXXXX XXXX  XXXX hires Attorneys to make up the law to AID and state that the lien and debt is owed and forced me to file Bankruptcy and presold by mock auction opened up " Escrow '' on XX/XX/XXXX by a well known " investor '' buyer. And XXXX is making up FALSE DEBT that is not owed. 
More than FIFTEEN YEARS since the last due date recorded indebtedness XX/XX/XXXX. No Litigation ever but for short total of XXXX Months of Bankrutpcy after the debt was no longer enforceable. XXXX XXXX XXXXXXXX hires out of state attorney 's to make false debt claims. My Identity has been the link to create their fake debt claim and I have called the FBI/FTC and will update to the IRS and OIG of the Social Security XXXX They are now claiming a new Sale Date of XX/XX/XXXX and have caused me to file ruin and destroyed my life and credit for a FAKE False Misleading phantom debt " False Lien '' Scam to take and steal my equity, my real property using FALSE DEBT using my Identity. 
I have recently uncovered the scam since being a victim of Title Theft and this opened up to show me that this is Identity Theft. The entire debt was CLOSED XXXX DUE since XXXX. XXXX XXXX XXXX  has made up false debt that is to take over XXXX XXXX with false statements of FAKE FALSE IRS FORMS now using my identity claiming I owe when no legal rights exist. There is no In Rem and No Rights this violates CA Marketable Record Title Act Civil Code 880.020-882.040 and no preservation of any interest recorded. More than Ten years, More than 15 years since last Due recorded ascertainable. I am harassed by fake debt by Attorney 's hired to AID in GRAND THEFT.
Consumer complaint received 2022-04-10
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: Nelnet, Inc. (IN)

Dear Credit Reporting agency : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Consumer complaint received 2022-01-25
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. (FL)

I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. XXXX and TransUnion ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with XXXX and XXXX on XX/XX/2021. XXXX XXXX TransUnion are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an XXXX or XXXX supervisor or executive detailing where I gave XXXX or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved
Consumer complaint received 2022-04-09
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX, I opened an account online with chase number XXXX and this account was closed to suspicious activity the bank didnt said me what happened. I went to the branch to open an account in person they said I need a passport because I wasnt a citizen my passport was expired and I get a new one. I went to chase on XX/XX/XXXX and got open a checking and savings account made {$500.00} deposit. This morning try to use the debit card in my XXXX XXXX transaction was declined I went to app to see the balance and the system show the same message before for account previous locked account locked for suspicious activity. I need chase to be clear and tell me whats go on with my data because I gave all documentation to them including Form XXXX to release social security number verification for my document number when I opened the account in person at branch in addition : Passport, Driver License and Social Security XXXX XXXX I neve get a denial to open account anywhere so believe there an error on chases system and they are hiding something from me.
Consumer complaint received 2015-11-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Paid off our mortgage loan XXXX/XXXX/15. Chase is not reporting our payment on XXXX XXXX, 2015. On our credit report states our last payment was made XXXX in the amount of our payoff, but this was made on XXXX XXXX 2015. Enclosed is the proof of payment on XXXX XXXX as well as a letter from Chase dated XXXX XXXX that our mortgage has been paid off. We made a regular scheduled mortgage in XXXX 2015.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (KS)

I had to file a police report on an original debt from XXXX XXXX that Midland funding has bought. I sent int police reports and case numbers for identity theft and Midland Funding LLc is still furnishing this acct on my report. I have tried disputing in many ways to get this removed and every month it is still updating Im not sure why a fraudulent debt was sold but this is a violation of the FCRA to keep publishing with the bureaus it is a bill for XXXX $ dollars that does not belong to me and I've stated this many times
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

EXPERIAN and XXXX both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX  dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine.

2 -proof that you own this debt with a clear title of the debt. 

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name.

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. Experian keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.